Speaker 1: Hey, hey, hey we're back. We're brown, We're black.
Speaker 2: Hey Mandy, Hey, what's up? Happy Brown ambition Wednesday?
Speaker 1: Yeah? Super? Gee?
Speaker 2: Have you been geeked about what?
Speaker 1: I don't know. No, Like, I just have some exciting
Speaker 1: like of projects. Well really, my children's book. The illustrations
Speaker 1: are completely done and I'm Molly Moore. I'm just super
Speaker 1: excited because it's gonna come out Q one, so the
Speaker 1: first three months of twenty twenty. So I'm just I'm
Speaker 1: like excited, get nervous. I haven't like shared any of
Speaker 1: the new pictures or anything, just because you know, it's like,
Speaker 1: my baby.
Speaker 2: I thought you were going to say you got a
Speaker 2: Popeyees chicken sandwich.
Speaker 1: Oh no, you know they sung out.
Speaker 2: Yeah, That's why I was. It's like the new crow nut. Somehow.
Speaker 1: I'm like, that's so crazy.
Speaker 2: Which is we were at we were at my husband's
Speaker 2: cousin's place and they just randomly decided to order Popeyes
Speaker 2: through door Dash and I just was cracking up that
Speaker 2: Popeyes even delivers through door dash. And then the news
Speaker 2: I didn't know they were doing a sandwich, and then
Speaker 2: it's like all anybody wants to talk about this week
Speaker 2: is their damn chicken sandwich.
Speaker 1: Yeah, honestly, someone was like, girl, it's the same thing
Speaker 1: as their whatever sandwichich is ficy mayo. But you know,
Speaker 1: it's just they tipped. It's like if you ever read
Speaker 1: Knockolm Gladwell, it's the tipping point where you know, at
Speaker 1: some point when an idea really catches fire, there's like
Speaker 1: a tipping point when it just you know, goes over
Speaker 1: from just like every day people knowing it to everyone
Speaker 1: knowing it. And so it's like on fleek when your
Speaker 1: when your grandma starts saying on fleak, you know that.
Speaker 2: Apparently the world needed another chicken sandwich option, I guess.
Speaker 1: So I know popeye'es is like whoa whoever came up
Speaker 1: with the marketing is getting a raise. Okay, I mean.
Speaker 2: Gail King was instagramming live from Popeyes that they had
Speaker 2: the sign on the door saying they're out of sandwiches,
Speaker 2: which is good marketing because now it's like the black
Speaker 2: market of chicken sandwiches. You guys, please don't buy you know, questionable. Yeah,
Speaker 2: Popey's chicken sand You don't know if it's a real deal, Like,
Speaker 2: come on, be safe out there.
Speaker 1: Somebody made it there because I did see someone had
Speaker 1: it online for seventy five dollars. I was like, I
Speaker 1: can't can't wait for.
Speaker 2: Real, I thought you were just making that.
Speaker 1: I mean no, no, no, I did see like but
Speaker 1: I'm like, I don't know if they were really selling it,
Speaker 1: if it was like a fake ad. But I saw
Speaker 1: like this, like someone posted like is this ad reel
Speaker 1: seventy five dollars? That's crazy? Oh lord, this is so.
Speaker 1: I was on Facebook the other day and I saw
Speaker 1: an interesting post by our friend friend of the show. Well,
Speaker 1: you know Jason Vitug.
Speaker 2: Right of course, so con World.
Speaker 1: Yeah, so Jason super dope. He he too is a
Speaker 1: financial educator, and he posted something really interesting about the
Speaker 1: Fire Movement and I just wanted to see, like your
Speaker 1: feedback on what you thought. And he he said he
Speaker 1: had an interesting and perplexing conversation with someone in the
Speaker 1: Fire movement and he been ridiculed over and well this
Speaker 1: is basically what he said. He said, the Fire movement.
Speaker 1: He finds it interesting that folks, and a lot of folks,
Speaker 1: not everyone, A lot of folks in the Fire Movement
Speaker 1: kind of, for lack of a better word, mock folks
Speaker 1: who spend their money on consumer goods. But then one
Speaker 1: of the ways that the fire movement supports themselves is
Speaker 1: by investing in the stock market that is supported by
Speaker 1: those who buy consumer goods. So you know, if like
Speaker 1: let's just say, like, you know, you think that people
Speaker 1: are dumb because they buy the iPhone, but then you
Speaker 1: buy Apple stock. If that person doesn't buy the iPhone,
Speaker 1: you can't you know, your stock would not be worth anything.
Speaker 1: So like where does that hypocrisy kind of like stop
Speaker 1: and end?
Speaker 2: And you know what I mean, like, yeah, they're benefiting
Speaker 2: from consumerism because they need they need companies to do
Speaker 2: well exactly, so they Yeah, I totally get it. So
Speaker 2: he got he got hell for that.
Speaker 1: Yeah, which he was like, you know, he and he
Speaker 1: this is what he was saying, which I totally agree
Speaker 1: he's saying, like I'm not saying, don't benefit. But it
Speaker 1: seems a little hip, you know, like it's a little
Speaker 1: there's a lot of hypocrisy going on when you're like
Speaker 1: look at you, you full you bought Apple. You know,
Speaker 1: you bought an iPhone. Oh thank you for buying the iPhone,
Speaker 1: because with the iPhone, I could not be my family
Speaker 1: this week. I mean you know what I mean, like,
Speaker 1: and so people were in someone said, yeah, that's exactly
Speaker 1: how it is, and he's like, well, don't you just
Speaker 1: think that that's wrong? And it was so weird. I mean, yeah,
Speaker 1: I just I thought that was really fair, and he
Speaker 1: was just like, you know, I just thought it was
Speaker 1: crazy how people were really coming at him to say, yes,
Speaker 1: I judge those people, and yes I benefit off benefit
Speaker 1: off of their choices, and I just I don't know.
Speaker 1: It's I think it's one of the reasons why I've
Speaker 1: seen kind of like this pushback from the Fire movement,
Speaker 1: which you know, maybe we should explain what the Fire
Speaker 1: movement is. Have we ever talked about it? I think
Speaker 1: we have.
Speaker 2: Oh, I'm sure if you're if you're a regular listener
Speaker 2: of the show, we've brought up Fire movement and I've
Speaker 2: shared my thoughts on Yeah, we've talked to So it's fires,
Speaker 2: its financial independence, retire early. It is what the acronym
Speaker 2: stands for, and it's this movement where people save and
Speaker 2: work really aggressively in their early years so that they
Speaker 2: can retire early. And they the issue comes up because
Speaker 2: a lot of these people who retire early create blogs
Speaker 2: or businesses where they teach people how to retire early,
Speaker 2: and that's kind of how they are able to retire early,
Speaker 2: or they had a big job before in a massive
Speaker 2: savings or they were well invested. You know. It's so
Speaker 2: for me, it's always been about if you're gonna, if
Speaker 2: you're gonna, you know, market yourself as someone who's cracked
Speaker 2: the code. And I retire at thirty five or forty five,
Speaker 2: and they really crack the code, then really crack it
Speaker 2: or tell us exactly what you mean by you retire early?
Speaker 2: What does that mean? Are you like living on a
Speaker 2: yacht or are you selling courses on how to retire early?
Speaker 2: And they're you know, because you did it. But in
Speaker 2: order to keep retiring early, you need to make money
Speaker 2: off these courses you're selling to people who want to
Speaker 2: retire early. You know. So and on top of that,
Speaker 2: there's there was a New York Times article about how
Speaker 2: it's very much white male kind of voices in this
Speaker 2: community and how we went of color or stepping up
Speaker 2: and speaking out more about the movement and you know,
Speaker 2: all that jazz.
Speaker 1: Yeah, So I just thought that was really interesting, and
Speaker 1: I just thought it was like it was dope of
Speaker 1: Jason to kind of bring that up to be like, look, hey,
Speaker 1: I'm not saying there's anything wrong with fire, but maybe
Speaker 1: you should take a look at you know, what are
Speaker 1: you really saying, Because the truth of the matter is
Speaker 1: if everyone follows your stringent advice there there would be
Speaker 1: no movement for you.
Speaker 2: Yeah. Yeah, so fair assessment.
Speaker 1: I thought that was interesting. I was key keying over
Speaker 1: the comments. I said, ooh, they're dragging Jason, but maybe
Speaker 1: he chopping my popcor. I was messaging him cause I
Speaker 1: was like, you know what, I don't want to get
Speaker 1: into the frame. I feel like I pull more and
Speaker 1: more away from the financial community somewhat because there is
Speaker 1: sometimes there is a lot of judgment that I'm like, oh,
Speaker 1: I'm not here for that. I mean, there's definitely some
Speaker 1: dope pockets that I engage in, but overall sometimes I'm
Speaker 1: just like, oh my gosh, like okay, Like I feel
Speaker 1: like people are bashing the go ahead and get the latte,
Speaker 1: or they're like, don't get the latte, or it's just
Speaker 1: I don't know. It just seems like a lot of
Speaker 1: tug of war and pulling over over nothing, you know,
Speaker 1: Like I just I just don't like the direction that
Speaker 1: some of it has gone into. That almost like in
Speaker 1: order to rise up, you have to bash someone else's
Speaker 1: way of doing it, you know.
Speaker 2: Yeah, there's so much competition to be a financial educator
Speaker 2: and make money from that career path right now that
Speaker 2: I honestly think it's just people who get our being
Speaker 2: defensive and like territorial because they are worried about their
Speaker 2: own livelihood, like this path that they've chosen to educate people,
Speaker 2: and they think sometimes the way you need to do
Speaker 2: it is to like keep up errors or like keep
Speaker 2: up this image of that they've created for themselves or whatever.
Speaker 2: And honestly, like, you don't need to to educate people
Speaker 2: about their finances. You don't need to be a perfect example. Now,
Speaker 2: like have you ever had a doctor who is like overweight,
Speaker 2: or like look you know what I mean.
Speaker 1: The hairdresser whose hair is a little bit crazy.
Speaker 2: Look it's crazy. Yeah.
Speaker 1: When I first first first started, I remember I didn't
Speaker 1: want to share that I had a foreclosure and I
Speaker 1: was like, girl, someone's going to do a google and
Speaker 1: be like, ah, you budget these the foreclosed in you know.
Speaker 1: So I remember the first time I shared it and
Speaker 1: someone was like, oh, my god, thank you so much girl,
Speaker 1: because I'm like, well, dang, if you could bounce back
Speaker 1: from that, then so can I. And then that's when
Speaker 1: I realized, like, wow, the more I shared honestly what
Speaker 1: was happening and how I make mistakes and how I
Speaker 1: still make mistakes, that I don't consider myself any financial guru.
Speaker 1: I'm just someone who's like, when I learned something, I'm
Speaker 1: going to share it and I'm going to be open
Speaker 1: about my experience about it. That's it, you know, like
Speaker 1: I A would say, like I, I'm your financial girlfriend,
Speaker 1: not your financial guru. Then then that I felt like
Speaker 1: that's when the you know, the floodgates kind of opened
Speaker 1: for me. But yeah, I just I agree that. I
Speaker 1: don't know. It's just I'm not going to fincom this year.
Speaker 1: No shout, no shade to Fincon.
Speaker 2: Sometimes she turned her back on them. That's why we
Speaker 2: never get nominated for a damn what's that work? What's
Speaker 2: the pluta? So they never nominated. They know we're one
Speaker 2: of the best podcasts out there. I'm just gonna say it,
Speaker 2: we never get nominated because I'm.
Speaker 1: Not mand for two plutacent worlds this year.
Speaker 2: Oh lovely for you, Yeah, they love the budget Mesta.
Speaker 1: But yeah, but were we not? We were nominated one time.
Speaker 1: Weren't we for podcasts?
Speaker 2: I don't remember, we want but we were nominated.
Speaker 1: I feel like perhaps, But yeah, sometimes it's just like
Speaker 1: I said, sometimes the energy just can be like, oh
Speaker 1: my goodness, I thought we were just here to help
Speaker 1: and serve and you know, but yeah, so that was
Speaker 1: just like my two cents. I just thought that was
Speaker 1: interesting and like, how you know, just a little hypocrisy
Speaker 1: in our industry that I don't know. I just feel
Speaker 1: like I really don't believe in extremes, you know that.
Speaker 1: I feel like most people dwell somewhere in the balance,
Speaker 1: and that's where I try to reach people that I'm
Speaker 1: not here to be like you are terrible, or like
Speaker 1: there's only one strict way to live life. I just
Speaker 1: don't think that that because the truth of the matter
Speaker 1: is if everybody only ate vegetables, you know that we
Speaker 1: would be overrun by animals, if anybody everybody only ate animals,
Speaker 1: and we would be overrun by something else. Like there's
Speaker 1: diversity for a reason, Like it's one of the ways
Speaker 1: we're able to sustain life that everyone doesn't all do
Speaker 1: the same thing, so that should never be the goals.
Speaker 1: That's what I think.
Speaker 2: It's that core thing you learn in preschool. We're all different,
Speaker 2: we all have our own unique, whatever way of doing things.
Speaker 2: I don't know, people are crazy, but that's that reminds
Speaker 2: me of a good question we're going to answer later
Speaker 2: from someone who basically is getting like worn down by
Speaker 2: all the advice, the save and the payoff debt and
Speaker 2: wonders when where's the where's the advice and how to
Speaker 2: work fun into the equation. So we'll get to that question.
Speaker 2: Let me answer questions later in the show.
Speaker 1: Something else I saw, interestingly enough, I was like, I'm
Speaker 1: not a big New York Times reader, but call I know,
Speaker 1: called what American CEOs are worried about? So speaking of like,
Speaker 1: you know, white men in business, because I think we
Speaker 1: talked about that, like the fire movement. So nearly two
Speaker 1: hundred executives meet annually and it's called the Business Roundtable.
Speaker 1: And Jamie Diamond of JP Morgan and Chase, they're like,
Speaker 1: you know these made you think of like Apple, PEPSI, Walmart.
Speaker 1: All these executives meet annually to talk about, like, you know,
Speaker 1: what what can we do to continue to dominate the world.
Speaker 1: And so interestingly the talking business now, which I think
Speaker 1: is so crazy because I feel like small businesses have
Speaker 1: already been on this that before the Business Roundtable, their
Speaker 1: stance were was that basically that they were here to
Speaker 1: cater almost exclusively to the shareholder. So we want the
Speaker 1: shareholder to make money. And now they're saying that, you
Speaker 1: know what, there are other folks that we should be
Speaker 1: concerned about as well, and so that's to protect the environment,
Speaker 1: to deliver value to customers, to invest in employees. I'm like, well,
Speaker 1: clearly they're only doing this because at the bottom line,
Speaker 1: at the bottom line, like all of these companies really
Speaker 1: care about the bottom line. But apparently this is what
Speaker 1: I love, what I call like the millennials shift that
Speaker 1: because millennials are such a huge dominant force and you
Speaker 1: guys care about more than just money, and because you
Speaker 1: care about more than just money, you are shifting industries
Speaker 1: with your choices that you are forcing these big, huge
Speaker 1: companies like this to say things like this like we
Speaker 1: want to invest in employees and protect the environment and
Speaker 1: value our customers. They never said things like this before,
Speaker 1: and so I just thought that was really interesting that
Speaker 1: that was something that they're taking this big stance on.
Speaker 1: We'll see how it actually plays out in these companies.
Speaker 1: But the fact that that was even a stated issue
Speaker 1: and something that they discussed at the business round table,
Speaker 1: I thought that that was there. It's a it's a basically,
Speaker 1: it's a lobbying group. I thought that that was interesting
Speaker 1: and very telling about the times we live in.
Speaker 2: Yeah. I saw that headline how public companies are focusing
Speaker 2: on the customer and shareholders aren't as important anymore. Yeah,
Speaker 2: I mean it's kind of like, duh, create great products
Speaker 2: that serve your customers and and you know that's that's
Speaker 2: one way to have good business. And a lot of times,
Speaker 2: like if you're if you're an employee like I am,
Speaker 2: of a publicly traded company, you may be a shareholder
Speaker 2: and also an employee and a customer, so you you
Speaker 2: and you're helping if you're working for a publicly traded company,
Speaker 2: and especially for me, like I want to feel like
Speaker 2: my company is putting out a product that I can
Speaker 2: be proud of. And even the way that millennials choose
Speaker 2: jobs I think is changing, Like there needs to be
Speaker 2: like even though I'm working for a corporation. It's still
Speaker 2: a service driven industry, like we serve people, we help
Speaker 2: them compare you know, financial products in a way that's
Speaker 2: very simple and easy to do. And I can I
Speaker 2: can feel I don't know, I feel like I'm still
Speaker 2: in that service ye industry and that that's an element
Speaker 2: that's important to me. We actually did a survey with
Speaker 2: our with across the whole company, like an engagement survey
Speaker 2: or whatnot, recently, and one of the questions is how
Speaker 2: involved the company is in philanthropic uh efforts, you know,
Speaker 2: do they and do they feel genuine like do you
Speaker 2: feel like we genuinely care about these efforts? And it
Speaker 2: was interesting to see the results and how they and
Speaker 2: then how they varied by age. And Yeah, I think
Speaker 2: that they'd be stupid not to for in terms of
Speaker 2: recruiting and also just like retaining their customer base, not
Speaker 2: to to to focus on those types of efforts to
Speaker 2: to keep their businesses alive. Yeah.
Speaker 1: I thought that was really interesting that like, wow, that
Speaker 1: I'm like, you guys must be really affecting that bottom
Speaker 1: line because I don't know, these big companies to shift
Speaker 1: or move because they feeling formally buzzy exactly for real,
Speaker 1: because you know that for millennias, you know, they're always like,
Speaker 1: you know, you guys don't buy pet food or no,
Speaker 1: that's not true, you do buy that. You guys broke
Speaker 1: the knokin industry. You guys don't buy pantios or whatever.
Speaker 2: That's true, right, But.
Speaker 1: So many industries are so many things. Millennials are entitled.
Speaker 1: Millennials aren't lazy Blineal's millennials millennials. But but look, I
Speaker 1: think that that I mean, to me, this is, this
Speaker 1: is tremendous progress that because you guys are like, there's something,
Speaker 1: there's bigger, bigger things that we should be focused on.
Speaker 1: Let's look holistically at this world and at life. And look,
Speaker 1: you are forcing the hand of these huge conglomerates who really,
Speaker 1: quite honestly, I know, could care less. But because millennials
Speaker 1: are not just talking about it that you are putting
Speaker 1: literally your money where your mouth ish. You're forcing the
Speaker 1: hand of these businesses that otherwise would continue on as
Speaker 1: they've always continued on. So that is a big win
Speaker 1: wroot for millennials. See, Mandy, y'all be doing good things.
Speaker 2: I mean, I feel like all I can say is
Speaker 2: you're welcome.
Speaker 1: You speak for all the millennials.
Speaker 2: You're welcome America. We are making the world a better place.
Speaker 2: Could we just vote though? Oh, can we get to
Speaker 2: the polls, lin, We'll really see, We'll really see.
Speaker 1: Well, one thing, one thing at a time, Millennials.
Speaker 2: One thing at a time. Oh, in true millennial fashion,
Speaker 2: I sat my butt on the couch last night and
Speaker 2: watched the VMAs on MTV when they aired. You know,
Speaker 2: I felt I was like, I watched commercials even I
Speaker 2: was really tired.
Speaker 1: I was.
Speaker 2: I was just so tired. I just I watched like
Speaker 2: maybe an hour of it. Good you know, good, good entertainment.
Speaker 2: I almost knew most of the musical acts. Love Me
Speaker 2: some Lizzo, Love Me some Lizzo. Have love Lizzo for
Speaker 2: so long. I'm so happy for her. Oh my god.
Speaker 1: Yeah, she's just so dope. And honestly, I was really
Speaker 1: gek because you know they you know, they did the
Speaker 1: they shot it in Newark. Yes, Yes, the time was
Speaker 1: a buzz and I love that they really honored New
Speaker 1: Jersey all throughout the VMAs. They had Queen Latifa, who's
Speaker 1: from Newark.
Speaker 2: They cut in to her to every performance. It was like,
Speaker 2: what's Queeney's face. She loved Taylor Swift, which oh Missy Elliot.
Speaker 1: And they also had like Naughty by Nature close out,
Speaker 1: which is like I remember when I was like in
Speaker 1: high school, Naughty by Nature like you know, hip hop paray. Oh,
Speaker 1: they actually had a store downtown Newark. Uh. So it
Speaker 1: was just like such a great you know, just I
Speaker 1: just everybody knew were super excited. They were like pre
Speaker 1: parties and post parties and and so the night before
Speaker 1: I went by to see the red carpet. It was
Speaker 1: just so crazy to see the full build out right
Speaker 1: there downtown Newark. I was like, look at Newark. And then,
Speaker 1: because you know what's so crazy is the day before
Speaker 1: they had the Black Girls Rock taping. So I'm like, yo,
Speaker 1: Newark is really getting cute. So Black Girls Rock on
Speaker 1: Sunday and then in VMA's on Monday. So it was
Speaker 1: just a great weekend for Newark.
Speaker 2: I mean, you can't forget the Jonas brothers. Come on,
Speaker 2: is that from Jersey? You can't forget them. Though it
Speaker 2: wasn't my favorite performance, I knew I should have turned
Speaker 2: it off though I didn't see Naughty by Nature, Yeah,
Speaker 2: they were not I should it should have kept it going.
Speaker 2: I was just like, Wow, I'm really just sitting here
Speaker 2: and like watching commercials and you know, it's cool. It's cool,
Speaker 2: it's cool.
Speaker 1: Are we ready for questions?
Speaker 2: Let's do it. You guys know how to reach us
Speaker 2: if you have any questions career financial. You know, we're
Speaker 2: not go to investment advisors or financial experts quote unquote,
Speaker 2: but we will give you the realist answers we can
Speaker 2: possibly manage based on our joint experience in this world.
Speaker 1: Exactly. We're not financials. We're your financial girlfriends.
Speaker 2: I like that. I'm going to steal that. So to
Speaker 2: contact us, how do you do it? You can hit
Speaker 2: us up on Instagram at Brandabission Podcast. Just shoot us
Speaker 2: a message. Be patient because our inbox has been, you know,
Speaker 2: getting beefy. Some people have been coming for me and
Speaker 2: my personal dms. You guys, that's my off time. I
Speaker 2: don't work at Mandy money is not a work account.
Speaker 2: I'm not taking questions there. Continue hitting us up directly
Speaker 2: at Brandabision Podcast. It also helps me keep organized, Thank
Speaker 2: you very much, or you can email us at Brandabission
Speaker 2: Podcast at gmail dot com. Yes, ma'am, let's take a
Speaker 2: question from a Mama Bear. Mama Bear who goes by
Speaker 2: the name of Amanda, who has an interesting question I
Speaker 2: mentioned earlier on the show about balancing what she feels
Speaker 2: like she should be doing with what she wants to
Speaker 2: do with her finances. Here's amatus question. I'm a mother
Speaker 2: of two nine and three years old. I make good
Speaker 2: money as a designer, and I live in a two
Speaker 2: income household earnie just over two hundred and fifty thousand
Speaker 2: dollars collectively. I've been very focused on paying off student
Speaker 2: loans about fifty thousand dollars left, and saving for retirement,
Speaker 2: maybe paying down our home our mortgage is about two
Speaker 2: hundred and ninety five thousand dollars left on it, and
Speaker 2: thinking about helping my kids for college or even paying
Speaker 2: for their college. But at the same time, I'm reading
Speaker 2: the news and the Amazon's on fire, and the ice
Speaker 2: caps are melting, and crazy people are in office, and
Speaker 2: I worry that my beautiful brown children could be hurt
Speaker 2: by police or in school by a lunatic. So should
Speaker 2: we just go on vacations, maybe see Yellowstone before it
Speaker 2: gets turned into a mall or something, or go to
Speaker 2: Europe before Americans are on permanent time out from the
Speaker 2: rest of the world. I love this question. I hate
Speaker 2: to be so morbid, but I don't know if I
Speaker 2: will have grandchildren. I feel like I have brought children
Speaker 2: into a dying world. Is it stupid to have retirement
Speaker 2: funds when I feel like there may not be a
Speaker 2: retirement in the sense that we think of it now.
Speaker 2: Sorry to be a bummer, but hope you guys can help.
Speaker 2: I really feel for this woman because as a natural pessimist,
Speaker 2: I want to first of all, I'm miss into this
Speaker 2: article that I that I just stockpile these articles to
Speaker 2: remind myself you will live longer if you're an optimist.
Speaker 2: There's an article in the New York Times Date that
Speaker 2: has a study on this. So, first of all, as
Speaker 2: a natural pessimist, I totally I'm thinking about bringing this
Speaker 2: baby into the world, and I'm thinking the same exact thoughts.
Speaker 2: I just haven't written them down, so it's totally normal.
Speaker 2: But Tiffany, I mean, what are your thoughts on letting
Speaker 2: the bad out there and the uncertainty influence your financial choices?
Speaker 2: Because it's a valid question, you know, do everything right
Speaker 2: and get murdered tomorrow or live your life.
Speaker 1: Here's the thing. I totally get it because it is
Speaker 1: worried sound, But can you imagine during World War One,
Speaker 1: what they felt during World War Two, what they felt
Speaker 1: during the Civil War? Like there are there have been
Speaker 1: times during history of great upheaval, and yet here we
Speaker 1: are still. And so I just say all that to
Speaker 1: say that that at the end of the day, you know,
Speaker 1: human beings don't necessarily have the final say that. You know,
Speaker 1: we I know, we create so many issues in the
Speaker 1: environment and with each other, but quite honestly, we always have.
Speaker 1: We've been a hot mess since Adam bit that apple.
Speaker 2: Okay, so bring us down to earth.
Speaker 1: No, But I'm just saying that, like, honestly, human beings
Speaker 1: are a hot mess. We just are, and somehow yet
Speaker 1: we persist, and I'm sure one day we won't. But
Speaker 1: I don't think one day it's going to be in
Speaker 1: the next ten years, quite honestly, so I don't think
Speaker 1: it's going to be the next fifty years or one
Speaker 1: hundred years. So you still have you know, I don't
Speaker 1: want you to throw away your your future because you're
Speaker 1: worried about the present that we have literally done worse
Speaker 1: with less, So I would just continue to be you know,
Speaker 1: continue to Well, here's the thing. You have to balance
Speaker 1: a living in the present. So you should go to
Speaker 1: Yellowstone and enjoy life. You definitely should, But with keeping
Speaker 1: an eye on I still think I'm going to get
Speaker 1: to this desired goal of like seventy eighty ninety years old,
Speaker 1: because you likely will. The likelihood is that you will,
Speaker 1: and so I would manage both that. Enjoy now because
Speaker 1: that's what everybody should be doing anyway. But planning for
Speaker 1: the future is still critical because the likelihood is you're
Speaker 1: going to make it to the future. And guess what,
Speaker 1: We've had terrible presidents like Donald Trump is the worst.
Speaker 1: I mean whatever you're listening, you're like, what, I love him, girl,
Speaker 1: that's your personal choice. He is the worst, right.
Speaker 2: He is in a safe space.
Speaker 1: But I mean, hello Hitler, and yet here we are.
Speaker 2: Okay, he wasn't our president, I know.
Speaker 1: But what I'm just saying that in general, we've had
Speaker 1: some terrible, terrible, terrible leaders in the past, and yet
Speaker 1: here we are. You know people, I mean, if you
Speaker 1: could even imagine, who are worse than Donald Trump. So
Speaker 1: I just say all that to say that we have
Speaker 1: been in similar and terrible situations before and yet here
Speaker 1: we are. Things don't always. Trouble don't last always. That's
Speaker 1: what somebody's grandma, I'm sure has has has said over
Speaker 1: and over that trouble don't last always, and so don't
Speaker 1: plan for trouble. You prepare for trouble, but plan for
Speaker 1: for good things.
Speaker 2: Yeah, I really want And like I said, I'm a
Speaker 2: natural pessimist when it comes to my finances and even
Speaker 2: I'm finding out the future of my child, I'm like,
Speaker 2: I constantly ask myself, what if they're a serial killer?
Speaker 2: How do you not raise a serial killer? Like I'm
Speaker 2: sure there's some great moms out there who gave birth
Speaker 2: a serial Like you know, I'm like, just and I
Speaker 2: have to change the way I have. I just have
Speaker 2: to purposefully. This is one of the reasons I started
Speaker 2: doing pre natal like for New Moms therapy. It's been
Speaker 2: very helpful to me to just change the questions and
Speaker 2: the stories I'm telling myself, because yes, it's in one way,
Speaker 2: it's good to be woke and aware of what's happening
Speaker 2: in the world, But does it really serve you to
Speaker 2: only think about the worst case scenario. No study show
Speaker 2: it makes you die sooner, So I'm trying to be
Speaker 2: more of an optimist, and luckily I've got a husband
Speaker 2: who is an optimist and can shake me out of
Speaker 2: my negativity. Negative spirals sometimes when it comes to your
Speaker 2: finances though, and what really has helped me is I
Speaker 2: have a plan for the best and the worst. Makes
Speaker 2: me feel very comforted to know that should, you know,
Speaker 2: should things go belly side up, you know I will
Speaker 2: have money in the bank, and that I am building
Speaker 2: something now that I can my children can one day
Speaker 2: Inherit makes me feel good. But I'm also focusing on
Speaker 2: my personal happiness and taking a vacation for example, that
Speaker 2: was a big deal for me, and I am putting
Speaker 2: together for our new you know, budget with a child,
Speaker 2: a plan to say, for vacations, because I don't want
Speaker 2: The last thing I want is to feel like I'm
Speaker 2: I'm I'm sacrificing opportunities for my child to enjoy life,
Speaker 2: like traveling and seeing the world, seeing this beautiful world.
Speaker 2: There is so much, there is so much, I believe me.
Speaker 2: I just went you know and saw so much of
Speaker 2: you know, Portugal, and there's so much here in America
Speaker 2: that's still beautiful. Even though yes, the Amazon is dying
Speaker 2: like the the on the whole the world is thriving
Speaker 2: and you just have and there's so much to see,
Speaker 2: and I I don't want you to get caught in
Speaker 2: the negativity and and not be able to enjoy those
Speaker 2: moments for your children's sake too, because I know I
Speaker 2: was a child. You grew up in a very negative
Speaker 2: kind of environment, and look at me now, you don't
Speaker 2: want to like very negative kind of pessimistic. Children really
Speaker 2: absorb the energy I think in the household too, so
Speaker 2: and they need to feel safe and they want to
Speaker 2: feel like their parents have a plan for them. So yeah,
Speaker 2: And I'm speaking to you as a non like, as
Speaker 2: a semi I'm not real parent yet. I'm just you
Speaker 2: are whatever. I'm just a slow cooker right now, I'm not.
Speaker 2: I'm a human instant pot But anyway, that's that's what
Speaker 2: I would say. And you guys earn really good money,
Speaker 2: and I feel like setting aside some money for those
Speaker 2: trips would also help you with your own pessimism, because
Speaker 2: if you see all the good in the world, it
Speaker 2: will just help you counteract those negative headlines and see
Speaker 2: that there is so much more else going on.
Speaker 1: Yeah, No, I like that, I mean, I think and
Speaker 1: honestly too, like we are so spoiled here. Like I
Speaker 1: remember the first time I went to Nigeria and I
Speaker 1: saw how little my cousins had comparison to what I
Speaker 1: had and how much I did about all this stuff,
Speaker 1: and I'm like, wait, the joy, the level of joy
Speaker 1: astounded me. I just remember being like, you, where's this
Speaker 1: happening is coming from? You know, because you know, to us,
Speaker 1: it's like, well, you don't have Jordan's, you don't have this,
Speaker 1: you don't have that. And even I don't find my
Speaker 1: I don't consider myself to be super materialistic, and I
Speaker 1: still was like, wow, the level of joy had nothing
Speaker 1: to do with the level of material acquisition because they had,
Speaker 1: Like not that my cousins have nothing, but in comparison
Speaker 1: to what I had, you know. And I just remember
Speaker 1: thinking that, like, joy really does come from within and
Speaker 1: all these external things. You know, if you really work
Speaker 1: at it, they don't have to steal your joy. You
Speaker 1: can choose. It's not easy, I mean, for there are
Speaker 1: some cultures that lean into it more than others, but
Speaker 1: they're doing it, which means that it's out there to
Speaker 1: have and so yeah, that you know, I just think
Speaker 1: that working on being grateful for day to day things.
Speaker 1: I don't know if you keep a gratitude journal. I
Speaker 1: used to do this thing, which I should get back
Speaker 1: to it that every time something goold happened, I would
Speaker 1: write it on a scrap piece of paper and I
Speaker 1: put it in this little jar that I would keep
Speaker 1: on my desk, and like you know, like literally I
Speaker 1: would have stuff in my bag and at the end
Speaker 1: of the week, I would like dump it out and
Speaker 1: dump all the good things that happened in this jar.
Speaker 1: And then January first, I would pull it out and
Speaker 1: read it and it would just be so amazing, like, oh,
Speaker 1: I remember Geral surprise me with ice cream that day,
Speaker 1: or oh that's the day Supergirl told me she loved me,
Speaker 1: And you know, there were like these small little things
Speaker 1: that made me realize what an amazing, wonderful joy field
Speaker 1: year that I had. So maybe doing that with your family,
Speaker 1: like creating like a joy bucket where you're just putting
Speaker 1: making note of things, joyful little things that happen, and
Speaker 1: then reading through them together so you could really acknowledge,
Speaker 1: like you know, just how blessed you are.
Speaker 2: Now, that's one thing that my therapist talk to me
Speaker 2: about is to counteract the negativity, to write out the
Speaker 2: positive thing. And that's why it's all about just flooding
Speaker 2: the negativity with the positive light that you see. And
Speaker 2: when you take that time, look at your children. I'm
Speaker 2: sure they're very adorable. I'm sure that they have so
Speaker 2: many moments of joy throughout the day that you can
Speaker 2: focus on instead all that. And I know it's hard
Speaker 2: work and I'm working on it too. But hopefully Amanda
Speaker 2: from another Amanda who's a pessimist, are you me? I
Speaker 2: don't know me and my future. That'll that'll that'll help
Speaker 2: you just to try and shift your own mindset and
Speaker 2: take it. It sounds like you need a vacation, girl,
Speaker 2: go on a vacation asap. Yeah, get thee too, Yellowstone.
Speaker 2: Go all right, let's take one more question from Let's
Speaker 2: go to the gram. This question comes from mo Tips
Speaker 2: Underscore Fitness, who has a twenty two year old son
Speaker 2: who is acting like some twenty somethings do and being
Speaker 2: a little irresponsible with his credit card. So here's mo
Speaker 2: tips question. So, my son maxed out his one credit card.
Speaker 2: It's the only thing he has as far as established
Speaker 2: credit So now his score is three hundred and eighty three.
Speaker 2: Oh my god. He has one hundred and nine percent
Speaker 2: utilization on this card. He owes five hundred and forty
Speaker 2: four dollars on it. He and my other son at
Speaker 2: the same time are about to submit their apartment application
Speaker 2: next week and they'll be roommates. Against my advice, he
Speaker 2: didn't stick to staying within a thirty percent limit, and
Speaker 2: now he needs help paying off this credit card because
Speaker 2: when he applies for this apartment with his brother, they
Speaker 2: may get rejected. I told him to help pay off
Speaker 2: his credit card, I would give him a portion of
Speaker 2: my security deposit I'm going to get back from my
Speaker 2: current apartment after we move out, But I told him
Speaker 2: he needs to pay off his credit card with it.
Speaker 2: He's been making monthly payments, but the minimum payment only.
Speaker 2: I'm wondering should I assist him and pay it down
Speaker 2: to thirty percent and just keep my security deposit, or
Speaker 2: should I keep my promise to him and wait for
Speaker 2: my security deposit and give it to him. Then I'm
Speaker 2: afraid that he won't learn the lesson, and I don't
Speaker 2: think he cares or understands about credit scores right now.
Speaker 2: Anyway from MO, tips.
Speaker 1: MO, Mama, mom, MO his thing. Twenty two years old,
Speaker 1: it's still like he's still a baby when it comes
Speaker 1: to money. So what you do now is going to
Speaker 1: help to set the tone whether or not he's going
Speaker 1: to be sleeping on that couch when he's thirty years old. MO,
Speaker 1: get focus. MO. Do not bail this man out, because
Speaker 1: if you do, MO, He's going to keep coming back
Speaker 1: to you. He's never going to learn the lesson. I
Speaker 1: would not give him that security deposit, and I would
Speaker 1: not bail him out because he's young, meaning that if
Speaker 1: he messes up his credit at twenty two, a little bit,
Speaker 1: he can rebound. It's not the end of the world.
Speaker 1: But if you bail him out, he will constantly think
Speaker 1: that mom's got a, Mom's got a, Mom's got it.
Speaker 1: So instead, you know, you can I mean, you have
Speaker 1: to walk him through the process of fixing this. That's
Speaker 1: really what he needs right now. He needs someone to
Speaker 1: walk him through the process of fixing this. It needs
Speaker 1: to be made hard for him so he doesn't want
Speaker 1: to come back here again. One of the best things
Speaker 1: that my dad ever did for me was make it
Speaker 1: difficult to live at home, right like because it may
Speaker 1: may mean like I want to be more financially responsible
Speaker 1: because I want to get my own place. I want
Speaker 1: to be able to take care of myself. I want
Speaker 1: to be able to have good credit so I could
Speaker 1: have got my apartment. And so when we make life
Speaker 1: life too easy for kids, they then they stay kids.
Speaker 1: And he's twenty two, so he's not, you know, he's
Speaker 1: just one pinky toe into like full adulthood, because twenty
Speaker 1: two is like around the time you just graduated college,
Speaker 1: maybe a year or so ago. Maybe if they get
Speaker 1: about grad school, maybe you're not you know, so yeah,
Speaker 1: that would be My suggestion is to walk him through
Speaker 1: the solution of this is why your credit scored the
Speaker 1: way it is the way it is. You're not going
Speaker 1: to be able to get an apartment. Do you understand
Speaker 1: that you're not going to be able to get a car.
Speaker 1: I'm telling you he doesn't care about a credit score,
Speaker 1: but he does care about a car and an apartment.
Speaker 1: So relate it back to what he cares about, and
Speaker 1: to say, if you want to get an apartment in
Speaker 1: a car, I will help you to raise your credit
Speaker 1: score and to get out of this debt by showing
Speaker 1: you how to do so. But if not, then you're
Speaker 1: not gonna be able to have any of those things.
Speaker 2: Yeah, with a credit score that low, they might deny
Speaker 2: him lickety's flit for that apartment. I've never even seen
Speaker 2: a credit card, so that the congratulations, my friend, that
Speaker 2: is epic. But the good news is that it's only
Speaker 2: I mean, I'm saying only, but to him, it's probably
Speaker 2: a lot of money. It's five hundred dollars, and she says,
Speaker 2: he does, he does. He has just started a full
Speaker 2: a new full time job as a jewelry repair person,
Speaker 2: So it sounds like he's got a source of income.
Speaker 2: Why instead of maybe his consequence that he needs is
Speaker 2: that he doesn't. He can't get a proof of this apartment,
Speaker 2: so he needs to live with you for a little longer.
Speaker 2: And with his first paycheck, pay off his credit card,
Speaker 2: you know, first paycheck or two, just pay off his
Speaker 2: credit card, get his credit score in shape. Once he
Speaker 2: pays out that card, it's going to jump, like Tiffany says,
Speaker 2: like Jordan, and he'll be in better shape. And then
Speaker 2: maybe that's the hard lesson he needs that Oh, because
Speaker 2: I was careless with my credit card. Now I'm stuck
Speaker 2: living with mom for you know, two or three more months.
Speaker 2: But it's at the same time, be grateful because it's
Speaker 2: only it can only take you a few months to
Speaker 2: pay that off if you've got a full time job. Probably,
Speaker 2: And in that way you're helping him by providing him
Speaker 2: a roof over his head, but not actually paying off
Speaker 2: the card and making it too too easy for him.
Speaker 1: Yeah, for sure, because I'm telling you like I get it,
Speaker 1: because you stay to yourself, it's five hundred dollars, I'll
Speaker 1: just do it. No, you'll be doing it over and
Speaker 1: over and over and over and over again. I've met
Speaker 1: a young woman who said that she ran up her cars.
Speaker 1: Her parents bailed her out, She ran them up again,
Speaker 1: her parents bailed her out, she ran them up again.
Speaker 1: They didn't have the money to bail her out because
Speaker 1: they had run out of money, and she felt so bad.
Speaker 1: She figured out finally had to bail herself out, and
Speaker 1: she wished that they had never bailed her out in
Speaker 1: the beginning because now she feels the sense of guilt
Speaker 1: that she put them in a tough financial spot. So
Speaker 1: don't bail him out. Give him the tools to build
Speaker 1: his own shop.
Speaker 2: Out and help him understand why he macks out his
Speaker 2: card in the first place, and how to avoid it
Speaker 2: in the future. Teaching moment, Yes, but thank you for
Speaker 2: your question. That's a good one. Oh Lord, how to
Speaker 2: raise a kid who's finished? I'm going to start all
Speaker 2: I'm going to have to reread all the articles on
Speaker 2: how to raise a kid who knows what they're doing
Speaker 2: with their money, because I just I just don't know
Speaker 2: how do I raise a kid who knows what they're doing.
Speaker 1: When you're ready, just call Randy Alice. Okay, that's my father.
Speaker 1: You what you know, he raised fives.
Speaker 2: But you're the one who's always like, they're shocked that
Speaker 2: I'm even successful because I was a hooligan.
Speaker 1: I mean their shocked. I'm like, like, you know, cause
Speaker 1: I was not. I mean honestly, I wasn't even I
Speaker 1: was what I call Nigerian bad. Like I talked in class.
Speaker 1: It's still got good grades for a different bar for real, yes, exactly,
Speaker 1: Like there wasn't drugs and alcohol and like teenage sex.
Speaker 1: None of that was happening. Nigerian bad. Is is that
Speaker 1: a sea? And your teacher said that you were talking
Speaker 1: to your friend in class? I was like here, so
Speaker 1: like yeah, no, no, when it came to finance, though,
Speaker 1: like no, we were always the only one that's probably
Speaker 1: not as responsible as Lisa. But she's the baby, and
Speaker 1: I'm if I'm gonna be all the honest. We raised
Speaker 1: her and we clearly, you know, little missteps here and there,
Speaker 1: but no, but my dad was really one of the
Speaker 1: things that he was really good at. And the lesson
Speaker 1: that I took away is that my father was really
Speaker 1: good at aligning what we cared about with what he
Speaker 1: cared about. So it wasn't this is the water bill
Speaker 1: because kids don't care. It was that's why we didn't
Speaker 1: go to Disney World. Wait what Disney World. It wasn't
Speaker 1: this is the light bill. It was that's why we
Speaker 1: can't get ice cream from the ice cream man when
Speaker 1: he comes around. So I cared about ice cream, I
Speaker 1: cared about Disney. I cared about those things. And then
Speaker 1: he would say, those things either can happen or won't
Speaker 1: happen based upon the lights, the water, and everything else.
Speaker 1: But do you see how all of a sudden I
Speaker 1: care about water, lights, all of these things because it
Speaker 1: led to the end goal of what I wanted. So
Speaker 1: if I could give like, well, like, the biggest takeaway
Speaker 1: of like being raised by financially responsible parents who raised
Speaker 1: financially responsible kids is aligning what your kid cares about
Speaker 1: with what you care about, because you're never going to
Speaker 1: get them to care about your water bill, your life
Speaker 1: and all those other things. And so he was really
Speaker 1: really good at that.
Speaker 2: Sounds also like marriage and managing your finances with the partner.
Speaker 2: I'm seeing some overlap. Okay, all right, well, thank you
Speaker 2: guys so much for your questions. Again, we're brand Ambition
Speaker 2: Podcast on Instagram or you can hit us up at
Speaker 2: Brannambisson Podcast at gmail dot com.
Speaker 1: Goca boo. Now it's time to boost a break with
Speaker 1: all our family. Will you boost? Will you break? What
Speaker 1: will it be? Mandy?
Speaker 2: I know I just talked a big game about being,
Speaker 2: you know, recovering pessimist. But I need I need to then.
Speaker 2: I need to do a break today. Okay, I'll be
Speaker 2: optimistic next week, I promise. Maybe. So I'm gonna take
Speaker 2: a break from the complainers on your team at the
Speaker 2: office or wherever you work, whatever team you have, the
Speaker 2: people who have because everyone in your jobs you have challenges, right,
Speaker 2: you get projects thrown your way with a tight timeline.
Speaker 2: You you know, you have a new person on your
Speaker 2: team who you know is posing some challenges, or someone
Speaker 2: you know quits and you've got to you know, fill
Speaker 2: their their role. Like there's always stuff that's going to
Speaker 2: happen when you're working for any job, you know, whether
Speaker 2: it's for yourself or for a company. But what drives
Speaker 2: me crazy is people who cannot handle those challenges and
Speaker 2: get in this like complaint, Like they'd rather complain about
Speaker 2: what's in front of them then like just get the
Speaker 2: shit done and come up with a game plan to
Speaker 2: like make it happen. It drives me nuts because I
Speaker 2: feel like sometimes problems only they just they can cause
Speaker 2: anxiety and they feel so much bigger than they are
Speaker 2: when you don't sit down and just write your to
Speaker 2: do list, like how do I solve this check check?
Speaker 2: You know, I can do these three things to make
Speaker 2: this problem better. I can do it today and this
Speaker 2: problem is solved, and hey, look at me. I'm a
Speaker 2: contributor to the team. And it's just and you know,
Speaker 2: whether they're on my team or on other teams, and
Speaker 2: I have to work interact with them. They it's like
Speaker 2: when you see people who aren't doing your job well
Speaker 2: and you're just like, come on, man, it's not that hard.
Speaker 2: It drives me insane to no end. And it also
Speaker 2: just like brings down the mood of a team, and
Speaker 2: it brings down the mood of an office. And it
Speaker 2: doesn't have to be that way, you know. It's almost like,
Speaker 2: just tell yourself a different story about the challenges in
Speaker 2: front of you. I can do this, and here's how
Speaker 2: I can do it. I'm gonna ask for these three
Speaker 2: things to help me accomplish this, and that actually will
Speaker 2: impress any managers to like and it makes me value
Speaker 2: to people on my team who are like that. They
Speaker 2: see problems in front of them and they come to
Speaker 2: me with, oh, I have this thing that happened, and
Speaker 2: oh I had this idea how we can fix it. Listen,
Speaker 2: I want to get these people like a hugging and
Speaker 2: kiss every day. That is how you really, That's how
Speaker 2: you get raises, promotions. You impress people that way. That
Speaker 2: is the key to success as far as I'm concerned,
Speaker 2: And I just needed to let that be known.
Speaker 1: No, I love that. You're right. It is hard when
Speaker 1: you're working with someone because you're like, oh my gosh,
Speaker 1: we already acknowledge this as a challenge, and you're not
Speaker 1: making it. You're making the challenge. It's literally like a
Speaker 1: rock around your neck. You're like, I'm trying to swim
Speaker 1: against the tide and now I've got this rock tie
Speaker 1: that's weighing us down. It's like, that's why everybody in
Speaker 1: college used to hate the group projects. You're like a
Speaker 1: group project.
Speaker 2: Yeah, yeah, life is one of the group project though
Speaker 2: you know it is.
Speaker 1: It is, and you're right that if you don't change
Speaker 1: the narrative, it's going to be a long life, a long,
Speaker 1: miserable life. And it's easy to go down that rabbit
Speaker 1: hole of like, oh my gosh, it's so hot, you know.
Speaker 1: But I've learned, you know, to embrace our challenges, like
Speaker 1: on our team, like you know that these can be
Speaker 1: fun things that we can overcome, and also setting the
Speaker 1: tone for the rest of the team. But it is hard,
Speaker 1: you know, when you don't have a choice. And I
Speaker 1: don't know why some folks bring some I guess sometimes
Speaker 1: it's just it's just habit. Some people are e.
Speaker 2: Or I think that they've been and I've been maybe
Speaker 2: I've been reading too many leadership books. Okay, I've been
Speaker 2: reading one leadership book lately, but this part I wanted
Speaker 2: to like get up out of my seat. I was
Speaker 2: listening to the audiobook on the train and just like
Speaker 2: clap because there's one part where she talks about rewarding
Speaker 2: exhaustion and rewarding hard like people who you know, show
Speaker 2: how hard they're working. And I think this person who
Speaker 2: I'm thinking of now and people who I worked with
Speaker 2: before who are complainers, maybe in the past they were,
Speaker 2: they were they thought that that was their way of
Speaker 2: getting credit for all the work they're doing, is to
Speaker 2: complain about how hard everything is. I'm like, that's not
Speaker 2: how this that's not how I want to run my team.
Speaker 2: And it just it creates the wrong reward system, like
Speaker 2: don't reward you know, I kick people out of the
Speaker 2: office if they're staying too late. When people tell me, oh,
Speaker 2: I'll do that on the weekend, I'm like, why I
Speaker 2: wouldn't do it on the weekend. Stop, you're not doing
Speaker 2: that on the weekend. And but at the same time,
Speaker 2: like if you when you sometimes you deal with people
Speaker 2: who come with their own like baggage from former jobs,
Speaker 2: and this is the way they've always operated, and you
Speaker 2: have to kind of like learn how to help them
Speaker 2: shift their own mentality around different challenges. But it's it's
Speaker 2: not good if you're the complainer on the team. Change
Speaker 2: it now, Change it now, because you're slowly driving people
Speaker 2: nuts and they hate working with you. Just letting you know. Solutions, people, solutions,
Speaker 2: How are you gonna fix it? What you're gonna ask for?
Speaker 1: I call it a paper towel person, Right, that's what
Speaker 1: you want to because I remember I said, like my
Speaker 1: dad used to be the one to be like you
Speaker 1: built milk. You know much milk costs. Milk is not cheap.
Speaker 1: And you're like looking like, uh, I'm fine, and my
Speaker 1: mom just feel milk. She just grips off a paper
Speaker 1: towel and gives it to you. And so before yeah,
Speaker 1: that you said. You never heard it before.
Speaker 2: No, you never told me that. That's what he You
Speaker 2: actually tell me lots of stories over and over again.
Speaker 2: This is a new one. Never tell me the story
Speaker 2: from starting to finish.
Speaker 1: It's so like, So that's what I remember because my
Speaker 1: dad and I have very similar personality. So I always
Speaker 1: used to tell myself when I was a kid, I
Speaker 1: don't want to be a paper towel person. Like someone
Speaker 1: when something happens that I'm not basically talking about, like
Speaker 1: how it's broken or the milk is spilled, whatever, I
Speaker 1: immediately go toward the solution. And that's how my mom is.
Speaker 1: She never I can't really remember her fussing when things
Speaker 1: went wrong. It was always well, I'm going to call
Speaker 1: your teacher tomorrow and see what we can do, or
Speaker 1: here's a paper towel or or you know what I mean. Yeah,
Speaker 1: And so I just remember, because here's the thing about
Speaker 1: the fussing. My dad will go through all of this
Speaker 1: rigamarole about the milk and how expensive milk is and
Speaker 1: how kids don't respect anything, and then at the end
Speaker 1: he will tell you to get a paper towel anyway,
Speaker 1: So I just remember thinking, why don't we just start
Speaker 1: with that, you know, And so like so I always
Speaker 1: said I'm going to be a paper towel person. So
Speaker 1: I like, yeah, I really try my best to be
Speaker 1: a paper towel person. So let's all try to be
Speaker 1: paper towel people.
Speaker 2: Okay, people, fix your own damn problems if you want
Speaker 2: to succeed in the world. Oooh, anyway that I need
Speaker 2: to get off my chest and I had some tough
Speaker 2: conversations to have, I realized later on this week, But uh,
Speaker 2: all right, what's you gonna do? Boost to break?
Speaker 1: I'm gonna booze. I wanted to boost because so a
Speaker 1: friend of mine, her name is Chris Bright, but her
Speaker 1: name is Chris miss on on Ig, and another young
Speaker 1: woman named Germany but they call her snap a lore
Speaker 1: Like is that he say her name a lord? Anyway,
Speaker 1: they launched something called Black Girl Beach Day, and I
Speaker 1: believe this is either the third or the fourth year.
Speaker 1: I think it's the third year. I went last year.
Speaker 1: When I tell you, amazing, Mandy, over a thousand women
Speaker 1: signed up for it. It was like the tickets for like
Speaker 1: twenty bucks or whatever. I couldn't go this year because
Speaker 1: it was on my mom's birthday and Drina's wedding shower day.
Speaker 1: But it looked amazing. Last year was amazing. But it
Speaker 1: looked amazing. I mean, there's double Dutch, yoga, arts and
Speaker 1: craft the beach. It's just it's just she just wanted
Speaker 1: to create a safe environment for black girls and women
Speaker 1: to come together to just go to the beach and
Speaker 1: enjoy themselves. And I just I'm just so proud of her.
Speaker 1: It looks incredible. If you're on Instagram, Black Girl Beach
Speaker 1: Day literally just exactly how it's spelt. You can follow
Speaker 1: them on there. You get see like the video and
Speaker 1: the pictures. It just what I tell you, a good time.
Speaker 1: And you know what I really love about it is that,
Speaker 1: like you know, as black women and brown women, sometimes
Speaker 1: we're self conscious about our bodies. And I just remember
Speaker 1: I grew up in Westfield largely, and I remember like
Speaker 1: I would go to the pool and like all my
Speaker 1: white friends, when I would go to the pool with them,
Speaker 1: they would wear their baby suits. And then I would
Speaker 1: go to the pool my black friends, and they would
Speaker 1: always wear a T shirt over their baby suits. And
Speaker 1: I just remember being thinking that was so strange, like
Speaker 1: why do all my little black girlfriends, why did they
Speaker 1: cover their bodies? You know? And I just you know,
Speaker 1: and I just didn't like that. And I just remember
Speaker 1: thinking why, I mean, you know, like black bodies or
Speaker 1: it's just why is there this this thing that up?
Speaker 1: And when I love about Black Girl Beach, they're no
Speaker 1: T shirts, like your body is beautiful however you show up,
Speaker 1: and it's just such a celebration of femininity, womanhood, masculinity.
Speaker 1: However you come, however you show up, you are appreciated,
Speaker 1: loved on. It's just such an amazing day. I mean
Speaker 1: they do everything, all black things. You can think of, electric.
Speaker 2: Slide, all black things.
Speaker 1: Like I said this double they were stepping. I mean
Speaker 1: it was just and like, yeah, if you got a
Speaker 1: black girl beach say, you see every type of body
Speaker 1: shape size. It's just when I tell you, it's just
Speaker 1: a wondrous day. And if you get a chance at
Speaker 1: ten next year, hopefully it will fit in my schedule
Speaker 1: next year. If you get a chance at ten next year,
Speaker 1: I highly recommend it. It's just a love fest for
Speaker 1: black and brown women in particular. They don't turn anyone away,
Speaker 1: but it's certainly a love fest for black and brown women.
Speaker 1: And yeah, Black Girl Beach Day, look for them on ig.
Speaker 2: Just follow them, love it right.
Speaker 1: Just stout out to Christmas and Germany because I can't imagine.
Speaker 1: I mean they even they even charted buses to bring
Speaker 1: people down for those people didn't didn't have checks.
Speaker 2: It in Jersey, in Jersey, okay, Jersey. Sure, I'm going
Speaker 2: to start a beach day for wives whose husbands don't
Speaker 2: like the beach because I have. You know, they say
Speaker 2: accept the spouse that you buried. I knew that my
Speaker 2: husband did not like the beach when I married him.
Speaker 2: He's a Dominican who does not like the beach. I know, like,
Speaker 2: apparently there's more of them than just him, and I
Speaker 2: just need to accept it, because you just need. I
Speaker 2: just need to find people who find enjoying the beach
Speaker 2: like me and just go to the beach with them.
Speaker 2: You know what I mean, anyone else out there with
Speaker 2: husbands who don't like the beach free of water.
Speaker 1: I'm trying to say, like it's a superman. I mean,
Speaker 1: he doesn't just like the beach, but the beach is
Speaker 1: not like his paved But we'll go loose once.
Speaker 2: I need some people who enjoy the beach like me, man,
Speaker 2: because I just can't keep I'm just like freely. We
Speaker 2: haven't been to the beach all summer. He's like I
Speaker 2: told you who I was. Yeah, that's amazing though, I
Speaker 2: love it. Oh that's so cute. I want to Maybe
Speaker 2: I'll go next year.
Speaker 1: Yeah, like I said, black gir they awesometimes awesometimes, So guys,
Speaker 1: now it's time to say goodbye to everyone. We will
Speaker 1: see you next week. Tell a friend, Tell a friend,
Speaker 1: Tell a friend. Summertime is just about over, so you
Speaker 1: guys should be back on your regularly scheduled listening program.
Speaker 1: If you have not invited someone to listen to Brown Ambition,
Speaker 1: what are you doing, You're being selfish. Yeah, invite a
Speaker 1: friend listen in so you guys can giggle together. Message us.
Speaker 1: I am the budget Nest on all things social. Mandy
Speaker 1: you're basically Mandy Money on all things social.
Speaker 2: Right Mandy Money on Instagram or you can find me
Speaker 2: Mandy Woodruff on other social media platforms. And we are
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Speaker 1: And we love y'all.
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