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Speaker 1: Hey, hey, hey, we're back. We're black, We're brown a mission.

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Speaker 2: Hey Manny, Hey, how is your three day weekend?

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Speaker 1: EXCELLENTE? I spent it in the I don't know, does

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Speaker 1: Colorados have rocky mountains?

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Speaker 2: I think that's the Rockies, correct.

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Speaker 1: I spent them in the rocky mountains of Denver, Colorado. Outside. Nonetheless,

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Speaker 1: that sounds beautiful. What were you doing there? So there's

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Speaker 1: an organization called Girl Trek g A I R G

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Speaker 1: I R L trek t R e.

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Speaker 2: K What are you spelling? Okay, go ahead.

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Speaker 1: It was awesome. It was co founded by a women

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Speaker 1: named Morgan and Vanessa, and they just had this concern

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Speaker 1: for black women and their health. And so they said,

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Speaker 1: you know, if we could just get out and walk,

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Speaker 1: like in half an hour a day, it would just

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Speaker 1: make a tremendous difference in the health of black women,

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Speaker 1: because you know, black women have, like, as far as

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Speaker 1: women are concerned, like have the highest incidents of like

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Speaker 1: diabetes and like you know, blood high, blood sugar and hypertension,

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Speaker 1: all these things they tell you. And so they just

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Speaker 1: were like, what if we could create some sort of

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Speaker 1: movement to really get black women to move. Then what

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Speaker 1: they realized which I thought was really awesome because Girl

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Speaker 1: Trek is six hundred thousand women strong. I think at

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Speaker 1: the actual conference, I guess you can't even call it that,

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Speaker 1: but for lack of a better word, of conference with

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Speaker 1: which they call the Stress Protests, there was about six

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Speaker 1: hundred or so more women. But it was awesome, Like

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Speaker 1: we like Girl Trek. They have these like blue T shirts,

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Speaker 1: and so as soon as I got off the plane,

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Speaker 1: like and we got to like wherever' supposed to meet,

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Speaker 1: you just see blue a sea of blue T shirts.

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Speaker 1: And it was just awesome to see all of these

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Speaker 1: women all around the country come together and like, like

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Speaker 1: do all these outdoor kind of activities. You know, it's

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Speaker 1: so crazy. So I brought my like, last minute, I

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Speaker 1: found my fitt, which I have not been wearing, and

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Speaker 1: I brought it with me. Mandra, I walked over twenty

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Speaker 1: five miles in those few days. Damn. You like it

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Speaker 1: when I tell you, and like and so I went

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Speaker 1: on a hike, which is really great. I did like

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Speaker 1: the intermediate like beginner hike, which was really great. I

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Speaker 1: also they had like trap yoga amazing. They had double

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Speaker 1: Dutch overall bigs amazing.

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Speaker 2: This sounds like my dream workout class trap yoga.

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Speaker 1: It was so because it was like you know, it

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Speaker 1: was traditional yoga poses, but like Salams was playing and

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Speaker 1: like you know, like it was just like Drake. It

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Speaker 1: was just he played like really dope music while working

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Speaker 1: you through like you know, like the sun side and taste.

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Speaker 1: So that was awesome. They also had like this Vogue class,

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Speaker 1: like a self love Vogue class. They had something called

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Speaker 1: a soundback, which was like you kind of like lay

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Speaker 1: on the ground and then like they played like these

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Speaker 1: vibrational sounds to kind of like increase your your your

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Speaker 1: your your vibrations And honestly, it was really dope. What

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Speaker 1: else did that? Oh? I did acupuncture, massage. There was

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Speaker 1: so many things, And so it's really.

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Speaker 2: Like a conference where you like do you stay in

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Speaker 2: that same hotel? Is there like a registration fee or something?

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Speaker 1: Yeah, so there's I believe it was like maybe like

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Speaker 1: five or six hundred dollars. But what it's so great

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Speaker 1: about it includes your your your room, all the food

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Speaker 1: and transportation. You have to pay for your flight because

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Speaker 1: you know they can't know where you're coming from. But

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Speaker 1: so they did it at the why when they said

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Speaker 1: it was at the YMCA. I was like what, because

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Speaker 1: you know the YMCA where I live, it's like a

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Speaker 1: little small little building. But no, this YMCA is a

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Speaker 1: property with like acres and acres and acres of land,

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Speaker 1: and so they've got like little cabins we stayed in.

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Speaker 1: Like it was like I don't want to It wasn't

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Speaker 1: really a hotel. It it was like I guess it

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Speaker 1: was like hotel slash cabin. I guess you can kind

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Speaker 1: of call it. It was like two people per room,

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Speaker 1: but it was really cute and like like outdoors, like

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Speaker 1: everything was like wood trim and stuff like that. And

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Speaker 1: then they also have like a main hall, dining hall

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Speaker 1: where everyone could eat. So we weren't the only groups there.

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Speaker 1: They were like I guess people have Like there were

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Speaker 1: like church groups and like families were there and so

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Speaker 1: that's when we all ate. But we took over specific

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Speaker 1: like lodges where we stayed. But it was just such

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Speaker 1: an amazing experience. They even had a napping class.

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Speaker 2: Okay, napping did you get a little blue and red

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Speaker 2: matt and everything.

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Speaker 1: Well, you know, I missed it. That was so mad.

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Speaker 1: Some people were like it was amazing that you literally

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Speaker 1: went in and they like did soothing talking and sound

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Speaker 1: just to relax and busa. They were just what I loved.

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Speaker 1: It was like a mix of because I taught a

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Speaker 1: class called financial Wholeness, so it was a mix of

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Speaker 1: like you know, like classes, but then also like physical

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Speaker 1: activities that were classes, so it was it was just

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Speaker 1: and then I know, I don't know how long they

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Speaker 1: must have planned for this, because everything was branded in

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Speaker 1: this beautiful way. It just was so well done. I've

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Speaker 1: been to a lot of conferences and this was like

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Speaker 1: the anti conference, because you know, you go to a conference,

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Speaker 1: you sit in the room, the person sits at the front,

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Speaker 1: and it's like la la la, I know the things

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Speaker 1: you want to know me. And then you go to

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Speaker 1: the next room, same thing, the experts on the stage,

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Speaker 1: La la la, I know the things you want to

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Speaker 1: know me. But that wasn't this at all. This was like, hey,

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Speaker 1: instead of sitting in the classroom, and some things were

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Speaker 1: in the classroom, but it was like, hey, I went

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Speaker 1: on the hike before I went for this class, and

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Speaker 1: the next class for taking a nap, and the next

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Speaker 1: class like they literally had arts and crafts. It felt

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Speaker 1: like summer camp where you're like, oh, I can paint outside.

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Speaker 1: There were like dance sessions where you're like, oh, they

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Speaker 1: just played music and everyone was just dancing. When I

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Speaker 1: tell you the level of joy. I didn't realize how

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Speaker 1: anxious I was here in New Jersey until I came back,

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Speaker 1: because what I like too is that they didn't really

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Speaker 1: have any internet or phone acts, like very little, so

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Speaker 1: I was cut off from a lot of like quote unquote,

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Speaker 1: like the work stuff that I have to do. Plus

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Speaker 1: it was a holiday weekend, so it wasn't like anybody

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Speaker 1: was doing work anyway. But and then I got back

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Speaker 1: to Jersey and I felt like this flood of not

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Speaker 1: full fledged anxiety, but like anxiety. I was like, wow,

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Speaker 1: the difference, and it made me realize, like okay, because

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Speaker 1: I would never have like classified myself as someone who's anxious.

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Speaker 1: But coming back, I kind of felt the world's rushing

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Speaker 1: and I was like whoa, whoa, whoa. So one of

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Speaker 1: the things I like I was determined to do was

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Speaker 1: I actually went for a walk because one of the

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Speaker 1: classes I took was about how to distress and how

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Speaker 1: to get clear and focus and still because I'm like,

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Speaker 1: I feel like I'm always on ten and so I

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Speaker 1: took that class and something she said it seemed like

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Speaker 1: so small, but it really resonated. She had us like

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Speaker 1: kind of like do this like writing activity where we

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Speaker 1: wrote down the last time we felt joy and like, oh,

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Speaker 1: the some times that we just feel joy in general.

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Speaker 1: And so I did that, and it was like, oh,

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Speaker 1: when my niece and my nephew came over, or you know,

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Speaker 1: talking to my sister on the phone, or laughing with Jarell,

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Speaker 1: or taking a walk because I actually like walking. And

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Speaker 1: I realized a lot of the things I had on there,

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Speaker 1: like I don't do them that often. And we talked

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Speaker 1: about like, as a group, why are so many things

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Speaker 1: that we say we experience joy, but they are things

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Speaker 1: that we're not duplicating in our life over and over.

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Speaker 1: Like if hanging out with my niece and my nephew

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Speaker 1: gives me joy, I mean, my sister would love for

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Speaker 1: me to babysit twenty four hours a day, like go

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Speaker 1: see that, especially after work. I know she's exhausted, Like

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Speaker 1: they literally live probably not even a ten minute walk

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Speaker 1: from my house, a two minute drive. I could be like, Okay,

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Speaker 1: I know she gets home at seven. I'm gonna beat

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Speaker 1: her at the house. I'm gonna watch the kids relax,

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Speaker 1: and then I get joy as she gets rest, you know.

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Speaker 1: And so I just thought about that that like that

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Speaker 1: was like the probably the biggest takeaway from that class,

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Speaker 1: which is just to multiply the joy. You write down

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Speaker 1: the things that give you joy the last time you

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Speaker 1: felt it and ask yourself, how could I do that

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Speaker 1: again and again and again? Like I actually enjoy walking,

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Speaker 1: but I rarely walk, and I don't know why because

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Speaker 1: I work for myself at home. So this morning I

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Speaker 1: woke up and I was like, I had a I

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Speaker 1: had a PR call myself, Drina and my CEO Karen.

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Speaker 1: We have a PR call every other Tuesday. So I

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Speaker 1: had a PR call every other Tuesday. And so I

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Speaker 1: was walking and talking. I'm like, Timothy, take the PR

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Speaker 1: call on a walk, And because Adrina came with me,

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Speaker 1: so did Karen, my COO, and so did Tamika, who

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Speaker 1: I have several chapter DreamCatcher chapters. So if y'all just

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Speaker 1: knew listening like Dreamcatchers were about eight hundred thousand women

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Speaker 1: deep were like the beehive, like Beyonce's behive, but for

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Speaker 1: personal finance. And so I wanted them all to come

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Speaker 1: so we could see how can we enhance our group

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Speaker 1: and community experience. So I could see like what it

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Speaker 1: looked like when it was done at the level of excellence,

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Speaker 1: and girl Check is awesome and it went so well.

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Speaker 1: I met with them, one of the founders, Morgan, and

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Speaker 1: we're actually going to do things together because we have

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Speaker 1: a lot of overlaps. It's a lot of my audience

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Speaker 1: is also African American women, most of my audience, and

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Speaker 1: since they catered to African American women, and so we're

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Speaker 1: gonna start with something called the Wealth Walk, which I'm

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Speaker 1: so excited about, which is just girl trekkers walk every

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Speaker 1: week together anyway, but like one of those walks, we

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Speaker 1: will focus on talking about money. So I'm going to

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Speaker 1: create like a series of questions and a series of

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Speaker 1: like maybe definitions to talk about, and like a little

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Speaker 1: video that they can watch as they're walking, like right

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Speaker 1: before they walk, so they can discuss the discuss that

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Speaker 1: that Wealth Walks lesson. So it just made me really

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Speaker 1: excited about, you know, just some things that we could

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Speaker 1: do together. But then I can also bring back to

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Speaker 1: dream Catchers so they can do as well. So honestly,

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Speaker 1: I had a bomb dot Com weekend, despite the fact

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Speaker 1: that we were like in like, you know, I don't

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Speaker 1: consider myself an outdoorsy person, but we were that guy.

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Speaker 1: Like I said, twenty five plus miles is when I

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Speaker 1: walked just from like going to get something to eat,

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Speaker 1: going to go paint, going to jump, you know, going

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Speaker 1: to going to on our hike or whatever. It was

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Speaker 1: just like I said, it was just an amazing experience

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Speaker 1: and beautiful too.

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Speaker 2: That sounds really nice. Yeah, well, yeah, I did that

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Speaker 2: for Mental Health Month. I try. I took conference calls

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Speaker 2: on walks and but then it got to be like

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Speaker 2: one hundred degrees and one hundred percent humidity, and then

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Speaker 2: I stopped. But I'm getting back on now that the

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Speaker 2: weather is nice out. I've been getting out a lot

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Speaker 2: a lot more. But that makes me actually want I've

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Speaker 2: never looked into like doing a wellness retreat or a conference,

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Speaker 2: just like for myself, because you always think of conferences

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Speaker 2: as being like something you do for work or for

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Speaker 2: your business. But especially if you take it's such a

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Speaker 2: sounds such a good way to spend time with your

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Speaker 2: girlfriends and catch up.

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Speaker 1: Yeah, honestly, because I like Drina and I because you

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Speaker 1: have to you share rooms, so because you know, I

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Speaker 1: obviously was going with someone. So it was just so

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Speaker 1: nice we got to like because I feel like like

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Speaker 1: for me, you know, like I've known Drina, who's my poplicist.

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Speaker 1: So if you know jenas use my publicist. She like

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Speaker 1: has some really like high level clients and so sometimes

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Speaker 1: you know, but she's also my best friend. And I've

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Speaker 1: known Drina so she was nine and so sometimes like

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Speaker 1: we say that all the time that sometimes we're like,

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Speaker 1: you know, we talk, but I talked to Dream every day,

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Speaker 1: typically multiple times a day, but almost always is about

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Speaker 1: oh did you do the thing in CNBC wants to know?

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Speaker 1: And can you do the real and so you know,

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Speaker 1: and sometimes it's like we don't like when it's the

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Speaker 1: last time we just said hey, yeah, you know, just

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Speaker 1: like girlfriend out without it leading to also talking about business.

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Speaker 1: And so it was nice because we didn't talk about

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Speaker 1: business because it really you know, like we couldn't really

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Speaker 1: use our phones. We couldn't really like it was just like, oh,

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Speaker 1: isn't that plotter so pretty well? Take our picture by

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Speaker 1: this mountain or like you know, like we're just nice

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Speaker 1: just to be friends. So that part was really nice.

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Speaker 1: So I highly highly highly recommend. If you go to

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Speaker 1: girltrek dot com, you could join the movement. You can

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Speaker 1: like look for the next the next you can find

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Speaker 1: a walk local to you which is dope, and you know,

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Speaker 1: signing up for a girl for stress protests next year. Honestly,

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Speaker 1: it's such an even if you don't go with someone,

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Speaker 1: the women are so friendly. Girl, it was just a

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Speaker 1: bunch of hey, baby, good baby, Okay are you good.

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Speaker 1: I mean, it was just black women are just amazing

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Speaker 1: and it was just like a love fest of just

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Speaker 1: a amazing positive just yeah, it just was just I never,

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Speaker 1: I've never I'd never done anything like that before. It

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Speaker 1: just was like a LoveFest of like of women like me.

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Speaker 1: And so I highly recommend it if you guys are

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Speaker 1: looking for some way to get out there and something

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Speaker 1: that Morgan said that thought was really interesting and then

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Speaker 1: we can you know, chat about something else is But

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Speaker 1: she said that what they started girl Trek to talk

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Speaker 1: about health, but what they found found what it really

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Speaker 1: was a cure for loneliness that sometimes as an adult,

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Speaker 1: you know it's hard to make new friends, or maybe

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Speaker 1: you've moved to a new area, or just maybe you've

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Speaker 1: just like you know, you're and your friends just don't

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Speaker 1: connected like you used to. And she found that women

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Speaker 1: were coming out and just really getting to know other women.

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Speaker 1: And then let's just say you've been on a walk

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Speaker 1: three or four times and you don't make the fifth

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Speaker 1: of sixth to seventh one, like your your your your

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Speaker 1: local walk, you know, liaison whatever, they check in on you,

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Speaker 1: like maybe where you been girl? You okay, like you

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Speaker 1: haven't been for a walk. No, I don't feel like,

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Speaker 1: well we're gonna come get you. No, no, but now

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Speaker 1: now we'll be we're here outside, come outside, like and

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Speaker 1: I just love that. She was just like that they

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Speaker 1: found that because health is not just about I want

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Speaker 1: to get snatched or whatever, like health is mental and

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Speaker 1: emotional help. And she said that it was just like

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Speaker 1: that's an awesome side effect to like walking with others,

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Speaker 1: that it wasn't just that you were getting healthy physically,

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Speaker 1: but like it was really mentally and emotionally helping to support.

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Speaker 1: And some walks actually walk and pick up trash. Some

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Speaker 1: some walk and take pictures, so they're like people are

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Speaker 1: using their walks for like like you know, like multitasking

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Speaker 1: on their walk and just making the most I just

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Speaker 1: thought that that was just really amazing adope or sometimes

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Speaker 1: they'll walk and do volunteer work, and so I just honestly,

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Speaker 1: I just can't say enough about girl Track and what

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Speaker 1: an awesome dope organization. And like I said, if you

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Speaker 1: want to learn more, it's girl trek dot com and

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Speaker 1: they're amazing.

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Speaker 2: Yeah, I mean, we've gotten questions from Remember there was

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Speaker 2: a listener who had a question about being lonely, like

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Speaker 2: how do you make friends and your late thirties or forties.

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Speaker 2: It's something that people don't talk enough about. And having

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Speaker 2: just moved away from the city to I live like

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Speaker 2: thirty minutes away from Manhattan now, where a lot of

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Speaker 2: my friends live, and you know, a lot also our

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Speaker 2: friend now I'm in my thirties, our friends are also

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Speaker 2: moving on to suburbs or different places. And I've definitely

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Speaker 2: had weekends where I'm just like, do I have friends?

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Speaker 2: Where are my people? I'm so lonely. I have nothing

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Speaker 2: to do, nowhere to go, no one to see, and

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Speaker 2: it can be really isolating. And I'm actually I am worried.

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Speaker 2: I'm trying not to focus on the negative so much,

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Speaker 2: but I am worried because I'm doing the wintertime, there's already,

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Speaker 2: you know, just to do stuff in my area. I

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Speaker 2: got to get in a car and go somewhere, and

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Speaker 2: I'm worried, like, what's going to happen when I had

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Speaker 2: this baby in the middle of winter and It's going

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Speaker 2: to be dark at four pm and I'm going to

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Speaker 2: be alone and I'm going to be going nuts and

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Speaker 2: I'm trying. And I actually posted on this mom's group.

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Speaker 2: There's all these moms of whatever town facebook groups like

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Speaker 2: I'm sure you have a bunch wherever you guys lived,

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Speaker 2: and recommended I just like, join this moms of my

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Speaker 2: town's Facebook group. And I got in and I woke

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Speaker 2: up as I do, at like two am in the morning,

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Speaker 2: you know, because I had to pee, of course, and

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Speaker 2: then I'm scrolling and I was like, let me post

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Speaker 2: something because I was just feeling I was like, I

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Speaker 2: need to ask this of people in my area. So

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Speaker 2: I asked in the group, I just have to comment saying,

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Speaker 2: you know, for moms who've had babies in this area

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Speaker 2: in the wintertime, what did you do so you didn't

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Speaker 2: feel so isolated? Am I even?

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Speaker 1: Like?

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Speaker 2: Am I crazy for even thinking that I'll want to

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Speaker 2: be able to leave the house with a newborn, and

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Speaker 2: I forgot about it because it was two am and

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Speaker 2: I was delirious. And then a few days later I

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Speaker 2: signed in to Facebook and I had like a flood

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Speaker 2: of responses from women who who had like winter babies,

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Speaker 2: and they were like, yes, you have to get out

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Speaker 2: of the house, you have to talk. There's like walking

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Speaker 2: groups at the mall, and there's ei, there's newborn yoga,

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Speaker 2: and made me feel not.

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Speaker 1: Not alone, because you're not, honestly, And that's why I

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Speaker 1: just think, to me, whether it's girl check or whatever, like,

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Speaker 1: it doesn't obviously have to be this, but it's just

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Speaker 1: I think just in general, it's just import and that

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Speaker 1: that you you know, that people connect with other people.

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Speaker 1: There was like this study where they found like this

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Speaker 1: small little this small little town in Italy where it

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Speaker 1: was either they had no incidents of cancer. I don't

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Speaker 1: think it was cancer. I think it was no heart

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Speaker 1: attacks or strokes, and they were trying to figure out

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Speaker 1: how or why was it diet, was it excesense? Was

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Speaker 1: it this was that it wasn't that at all that

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Speaker 1: this small little town that people visit each other every

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Speaker 1: single day, like they checked it on everyone and they

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Speaker 1: found that when you are in community with others, like

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Speaker 1: the health benefits cannot be I mean, there's just just

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Speaker 1: the health benefits are just extreme. Like even if you

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Speaker 1: know you have this big Italian diet of like sauces

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Speaker 1: and riches and butter and all that kind of stuff,

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Speaker 1: you know, like despite all of that, that those things

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Speaker 1: can be offset with just being in community with others.

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Speaker 1: So I just think that that's such an important thing.

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Speaker 1: And I'm just glad that you got you know, your response,

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Speaker 1: and just for anyone listening, because it is if you

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Speaker 1: move someone new somewhere new just know like either you

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Speaker 1: know whether it's girl track or you just hit Facebook

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Speaker 1: up and just type in maybe something that you enjoy,

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Speaker 1: like moms that travel or traveling, like Newark has a

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Speaker 1: Newark Mom's group. I know that, or like I know,

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Speaker 1: I'm part of No Madness, which is like a brown

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Speaker 1: black well it's not just girls, but like a brown

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Speaker 1: black traveling group where like you know someone I remember

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Speaker 1: when I was first starting to travel. I I joined

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Speaker 1: it cause I was traveling alone mostly and I would

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Speaker 1: they call it throwing up the back signal. I would

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Speaker 1: throw up the back signal and no madness. And I remember,

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Speaker 1: like I went to San Francisco for the first time

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Speaker 1: and I went by myself and like three women were like, oh,

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Speaker 1: I live here, and they took me around. Was a

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Speaker 1: jazz singer. It was like, here's tickets to my jazz

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Speaker 1: show tonight. So I went and one woman was like,

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Speaker 1: this is my favorite restaurant. She took me. It was

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Speaker 1: just awesome. And so I just encourage people that you're

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Speaker 1: you know that if you feel alone to reach out

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Speaker 1: and social media, there's a social component to media, to

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Speaker 1: social media that you can really lean into. And I'm

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Speaker 1: just glad that you did. That's awesome.

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Speaker 2: Yeah, well my weekend. You know, I won't bore you guys,

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Speaker 2: but I don't want to like and I certainly don't

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Speaker 2: want to overshadow what you did. But I did watch

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Speaker 2: all eight episodes of that new Styling in Hollywood show

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Speaker 2: on Netflix with the guys who style like Taraji p

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Speaker 2: Henson and like a lot of black actors in Holiday

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Speaker 2: is so good. I was gonna say, isn't it It's

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Speaker 2: so good? Yeah, it's great. Well, one, it's like a

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Speaker 2: black gay couple, black male gay couple, and their business

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Speaker 2: is part styling Hollywood, part interior designing for Hollywood, and

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Speaker 2: so they're like designing homes for like Gabrielle Union and

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Speaker 2: Doula Hill and obviously, yeah, obviously like styling people like

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Speaker 2: Taraji p Henson and Ava Duverne. It's it's good quality

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Speaker 2: half hour television if you guys are looking for something

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Speaker 2: to fill your mornings with. So that's that's what I did.

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Speaker 2: And you know, I hope that inspired you guys to

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Speaker 2: stay connected with people, and you know, just like Tiffany's weekended,

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Speaker 2: I felt very connected to my couch.

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Speaker 1: No, honestly, I saw I forget. I think I saw

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Speaker 1: like something on Instagram about it, and I was like,

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Speaker 1: wait a minute, this looks so good. I cannot wait. Oh,

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Speaker 1: I'm glass it was good.

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Speaker 2: Highly recommend, highly recommend. Well, I'm so glad you had

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Speaker 2: a good time. Girl check. I'm gonna check it out too.

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Speaker 3: Okay, So now it's time for questions.

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Speaker 1: I know we always have really great questions. I'm always

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Speaker 1: excited when it times question because you guys make me

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Speaker 1: stretch and.

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Speaker 2: Think like, yeah, so let me go to the reader

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Speaker 2: mail bags again. You guys can hit us up at

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Speaker 2: Brandambission Podcasts at gmail dot com with your questions. We're

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Speaker 2: also on Instagram at brand Ambisson Podcast, or you can

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Speaker 2: go directly to our website Brandnambisson podcast dot com and

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Speaker 2: click ask us anything to shoot us a question.

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Speaker 1: All right, so we have a question, and guess what, guys,

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Speaker 1: I'm gonna read it because I can read. So Hey, ladies, firstly,

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Speaker 1: I just love you. And she's thirty years old, she's

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Speaker 1: a CPA. She's living in Europe with her boyfriend. She says, you, ladies,

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Speaker 1: continue to feed my passion for personal finance. Woop woop.

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Speaker 1: My dilemma is dirt as great as I am at

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Speaker 1: reading and listening in about personal finance, I still have

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Speaker 1: about twelve thousand dollars of credit card debt that I'm

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Speaker 1: working to pay off. So she just got a bonus

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Speaker 1: at work for nine thousand dollars. Great, and she'd like

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Speaker 1: to use it all toward her debt. However, that's not

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Speaker 1: enough to cover the full balance. She participates in her

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Speaker 1: company stock plan where they get shares at a discounted rate,

431
00:21:05,119 --> 00:21:06,800
Speaker 1: and she has some long term shares that she liked

432
00:21:06,800 --> 00:21:09,240
Speaker 1: to trade in for cash and use toward the rest

433
00:21:09,280 --> 00:21:13,080
Speaker 1: of the debt balance. That's three thousand dollars because obviously

434
00:21:13,320 --> 00:21:16,639
Speaker 1: nine thousand dollars bonus three thousand dollars from cashing in

435
00:21:16,680 --> 00:21:18,879
Speaker 1: her stock, she'd liked to know if this is the

436
00:21:18,920 --> 00:21:22,120
Speaker 1: best brute to go. She knows that she will owe

437
00:21:22,119 --> 00:21:26,720
Speaker 1: taxes on the stock sale, but the capital tax will

438
00:21:26,760 --> 00:21:29,280
Speaker 1: be lower since she held the stock for more than

439
00:21:29,280 --> 00:21:32,520
Speaker 1: a year, and taxes will be lower than the nineteen

440
00:21:32,560 --> 00:21:37,440
Speaker 1: percent APR being charged on her credit cards, so her

441
00:21:37,560 --> 00:21:40,119
Speaker 1: capital gain SAX, meaning whatever you sell stock, you have

442
00:21:40,200 --> 00:21:44,000
Speaker 1: to pay taxes on the earnings, basically the gains. And

443
00:21:44,359 --> 00:21:47,320
Speaker 1: right now, her interest rate on her credit card is

444
00:21:47,440 --> 00:21:51,639
Speaker 1: nineteen percent, which is kind of high, and she doesn't

445
00:21:51,680 --> 00:21:54,320
Speaker 1: have much savings right now, so she's hesitant to throw

446
00:21:54,400 --> 00:21:56,200
Speaker 1: all the money at her debt. But if she can

447
00:21:56,280 --> 00:21:58,880
Speaker 1: eliminate the credit card debt payments, she can save more

448
00:21:58,920 --> 00:22:02,160
Speaker 1: freely and is appreciated. Thank you.

449
00:22:02,440 --> 00:22:04,919
Speaker 2: Did I say her name, Jessica?

450
00:22:05,280 --> 00:22:07,119
Speaker 1: Yeah? I was sure, Yeah, but I was sure if

451
00:22:07,160 --> 00:22:08,240
Speaker 1: she wanted to be the same. But I feel like

452
00:22:08,280 --> 00:22:10,000
Speaker 1: that's not a This is not like a you know,

453
00:22:10,920 --> 00:22:14,960
Speaker 1: I don't know, like some crazy question. Thank you, Jessica. Okay, Jessica,

454
00:22:15,160 --> 00:22:18,840
Speaker 1: what's your European boyfriend while living in Europe with her boyfriend.

455
00:22:19,840 --> 00:22:21,359
Speaker 1: So do you want to start Mandra?

456
00:22:21,760 --> 00:22:23,879
Speaker 2: So the key question here is she's got twelve thousand

457
00:22:23,880 --> 00:22:27,119
Speaker 2: dollars of credit card debt. She has nine thousand dollars

458
00:22:27,119 --> 00:22:29,320
Speaker 2: coming from a bonus, but it's not even going to

459
00:22:29,359 --> 00:22:31,480
Speaker 2: be enough to cover the full balance. So she wants

460
00:22:31,520 --> 00:22:36,359
Speaker 2: to sell three thousand dollars worth of stock to pay

461
00:22:36,400 --> 00:22:38,280
Speaker 2: off her credit card. Is that a good idea?

462
00:22:38,480 --> 00:22:38,800
Speaker 1: Yes?

463
00:22:40,400 --> 00:22:42,000
Speaker 2: I mean I can't fault her.

464
00:22:42,680 --> 00:22:44,480
Speaker 1: I knew it because you know me. I know you

465
00:22:44,560 --> 00:22:46,720
Speaker 1: many like I can't.

466
00:22:46,400 --> 00:22:48,880
Speaker 2: Fault her logic. I can't fault her lodge. I'm very

467
00:22:48,880 --> 00:22:52,720
Speaker 2: debt averse. Yes, I'm sure that three thousand dollars. You know,

468
00:22:52,760 --> 00:22:54,800
Speaker 2: there's a chance it could make more than nineteen percent

469
00:22:54,800 --> 00:22:57,720
Speaker 2: in the market, but over the next thirty years probably

470
00:22:57,760 --> 00:23:00,080
Speaker 2: not on average, like probably looking more like seven and

471
00:23:00,200 --> 00:23:04,080
Speaker 2: eight percent. And honestly, if it's keeping you up at night,

472
00:23:04,320 --> 00:23:06,879
Speaker 2: I have done this before. I have had RSUs vest

473
00:23:07,280 --> 00:23:09,119
Speaker 2: at a company, and I've used a chunk of it

474
00:23:09,160 --> 00:23:13,359
Speaker 2: to pay off credit card debt. Just to one fell swoop.

475
00:23:13,400 --> 00:23:15,840
Speaker 2: Just get rid of it and feel better. And if

476
00:23:15,840 --> 00:23:18,239
Speaker 2: that makes you feel better, I say, go for it,

477
00:23:18,280 --> 00:23:21,080
Speaker 2: and it doesn't sound like you're completely trading in all

478
00:23:21,160 --> 00:23:24,040
Speaker 2: the equity that you have access to at your job,

479
00:23:24,480 --> 00:23:27,760
Speaker 2: so why not and plus those you know, I think

480
00:23:27,800 --> 00:23:32,320
Speaker 2: when employer gives you shares or RSUs or whatever stock

481
00:23:32,359 --> 00:23:34,520
Speaker 2: buying options, like if they give you that you know

482
00:23:34,560 --> 00:23:39,560
Speaker 2: you can, that's another type of bonus and being one

483
00:23:39,640 --> 00:23:42,480
Speaker 2: hundred percent. Like for some people who have jobs where

484
00:23:42,480 --> 00:23:44,920
Speaker 2: they get equity or they get bonus or they get

485
00:23:44,960 --> 00:23:47,960
Speaker 2: some kind of equity grant from their employer, if that's

486
00:23:47,720 --> 00:23:50,920
Speaker 2: their only money, you know, being invested, it's a little

487
00:23:51,040 --> 00:23:53,280
Speaker 2: to me, it's a little dangerous because you're sort of

488
00:23:53,320 --> 00:23:55,639
Speaker 2: like tying up all your earning, all your wealth in

489
00:23:55,680 --> 00:23:58,120
Speaker 2: one company. Like not only did they give you your paycheck,

490
00:23:58,520 --> 00:24:01,760
Speaker 2: but you're also also your investments are tied up with

491
00:24:01,800 --> 00:24:04,600
Speaker 2: them too. So if you're lucky enough to be granted

492
00:24:04,640 --> 00:24:07,840
Speaker 2: stock and it you know, invests or you have access

493
00:24:07,880 --> 00:24:11,919
Speaker 2: to it, I generally think go ahead and either diversify,

494
00:24:12,080 --> 00:24:14,320
Speaker 2: you know, sell it, get rid of it, you know,

495
00:24:14,400 --> 00:24:15,960
Speaker 2: use it to pay off debt if you have it,

496
00:24:16,240 --> 00:24:19,400
Speaker 2: or you know, diversify it into other investments so you're

497
00:24:19,400 --> 00:24:22,160
Speaker 2: not you know, tied up with just that one company.

498
00:24:22,800 --> 00:24:23,520
Speaker 2: But that's just me.

499
00:24:24,640 --> 00:24:28,480
Speaker 1: That's what I feel like. My concern is not so

500
00:24:28,600 --> 00:24:30,600
Speaker 1: much like you know, like catching your stock or whatever.

501
00:24:31,119 --> 00:24:37,360
Speaker 1: My concern is that the nine plus the three you

502
00:24:37,400 --> 00:24:39,679
Speaker 1: basically like you're letting. I mean, I'm if I'm not

503
00:24:39,720 --> 00:24:42,359
Speaker 1: reading like it correctly, but I'm pretty much this means

504
00:24:42,400 --> 00:24:46,080
Speaker 1: you have no savings, right that that would be My

505
00:24:46,119 --> 00:24:49,080
Speaker 1: biggest concern is that you because I always say this

506
00:24:49,240 --> 00:24:52,200
Speaker 1: that no savings and no debt is debt. I'll say

507
00:24:52,240 --> 00:24:56,119
Speaker 1: it again, no savings and no debt is debt because

508
00:24:56,160 --> 00:24:59,520
Speaker 1: if you have no savings whatsoever, you know you you've

509
00:24:59,560 --> 00:25:01,560
Speaker 1: ditched it all. You put it all towards debt. You're like, ooh,

510
00:25:01,600 --> 00:25:04,760
Speaker 1: I'm debt free. Then the car breaks down. How are

511
00:25:04,720 --> 00:25:07,199
Speaker 1: you finn to fix the car? You're gonna flip your

512
00:25:07,200 --> 00:25:10,280
Speaker 1: guard because you're gonna get right back in debt because

513
00:25:10,280 --> 00:25:13,280
Speaker 1: as an adult, unexpected expenses happen. So that's my biggest

514
00:25:13,280 --> 00:25:17,239
Speaker 1: concern with this is that I think that you know,

515
00:25:17,400 --> 00:25:20,159
Speaker 1: using definitely some of this money toward the debt, and

516
00:25:20,200 --> 00:25:21,760
Speaker 1: even if you want to use the majority of it,

517
00:25:22,119 --> 00:25:25,040
Speaker 1: but I just encourage you to like leave yourself a

518
00:25:25,080 --> 00:25:29,000
Speaker 1: little bit of savings for cushion because as an adult,

519
00:25:29,000 --> 00:25:31,240
Speaker 1: things happen, and I would hate for you to pay

520
00:25:31,280 --> 00:25:33,000
Speaker 1: off this debt only to have to swipe the card

521
00:25:33,040 --> 00:25:36,639
Speaker 1: again because something happened unexpectedly. So that's probably just like

522
00:25:36,680 --> 00:25:39,320
Speaker 1: my little two cents is that, you know, leaving yourself

523
00:25:39,320 --> 00:25:42,880
Speaker 1: with absolutely no savings. It's just something because I'm debt

524
00:25:42,880 --> 00:25:46,560
Speaker 1: at versus as well. But you know, I'm also someone

525
00:25:46,600 --> 00:25:48,399
Speaker 1: who is like yany so something happens, at least want

526
00:25:48,400 --> 00:25:50,320
Speaker 1: a few thousand dollars in the bank to be able

527
00:25:50,359 --> 00:25:54,240
Speaker 1: to manage some like, you know, some minor to slightly

528
00:25:54,560 --> 00:25:56,000
Speaker 1: major emergency.

529
00:25:56,600 --> 00:25:58,400
Speaker 2: No, I think you're absolutely right. That's a great point

530
00:25:58,480 --> 00:25:58,760
Speaker 2: to make.

531
00:25:59,400 --> 00:26:02,400
Speaker 1: Thanks for bringing me back because I get it, because

532
00:26:02,400 --> 00:26:04,959
Speaker 1: I mean, honestly, Mandy and I are so. I mean,

533
00:26:05,000 --> 00:26:07,119
Speaker 1: I'm someone who brought my house in cash, okay, in

534
00:26:07,359 --> 00:26:09,520
Speaker 1: cash why And I'm not gonna lie when I look

535
00:26:09,560 --> 00:26:12,520
Speaker 1: back on it, it probably wasn't the best financial like financially

536
00:26:12,560 --> 00:26:16,320
Speaker 1: financial well, I vacillate back and forth whether it was

537
00:26:16,640 --> 00:26:18,720
Speaker 1: like the best use of our money. I mean, it

538
00:26:18,800 --> 00:26:21,320
Speaker 1: wasn't all of our money, but still, but it's because

539
00:26:21,359 --> 00:26:23,359
Speaker 1: I'm not gonna lie, I too am dead at verse

540
00:26:23,600 --> 00:26:25,360
Speaker 1: and so sometimes I try to take a step back

541
00:26:25,400 --> 00:26:28,240
Speaker 1: and say, Tiffany, it's just the wisest choice. I mean,

542
00:26:28,320 --> 00:26:31,600
Speaker 1: I'm glad that we did because I'm mentally and emotionally

543
00:26:32,160 --> 00:26:37,240
Speaker 1: having my first house lost to foreclosure was traumatizing. So

544
00:26:37,600 --> 00:26:39,400
Speaker 1: I was like, what you're not gonna do is take

545
00:26:39,440 --> 00:26:42,639
Speaker 1: this house. So I understood why I made that choice,

546
00:26:42,640 --> 00:26:44,040
Speaker 1: and I'm not you know, I'm glad that we did

547
00:26:44,040 --> 00:26:46,000
Speaker 1: because also it was a foreclosure and we got a

548
00:26:46,040 --> 00:26:48,080
Speaker 1: half off, so either way it was still a good investment.

549
00:26:48,400 --> 00:26:53,640
Speaker 1: But still sometimes I navigate too heavily on the debt

550
00:26:53,680 --> 00:26:58,320
Speaker 1: averse side, and I'm like, it's it's not it's not helpful.

551
00:26:58,560 --> 00:27:03,159
Speaker 1: It's like the law of diminishings. So sometimes you know,

552
00:27:03,240 --> 00:27:04,880
Speaker 1: you do something over and over and over and again,

553
00:27:04,880 --> 00:27:07,000
Speaker 1: which is something good, like pay off that pay off

554
00:27:07,119 --> 00:27:09,639
Speaker 1: that payoff debt, but at some point you reach a

555
00:27:09,760 --> 00:27:13,720
Speaker 1: block where anymore paying off of this debt in this

556
00:27:13,760 --> 00:27:19,520
Speaker 1: way actually actually brings back diminishing returns, meaning actually is detrimental.

557
00:27:19,800 --> 00:27:23,400
Speaker 1: It's like drinking water is great until you drink too

558
00:27:23,440 --> 00:27:25,840
Speaker 1: much water, and then actually you are drowning your body

559
00:27:25,840 --> 00:27:28,879
Speaker 1: from the inside. So, like any good thing can be

560
00:27:28,920 --> 00:27:31,639
Speaker 1: turned into a bad thing if if you overdo it,

561
00:27:31,600 --> 00:27:33,520
Speaker 1: It's what I'm saying. So I just don't want that

562
00:27:33,520 --> 00:27:35,800
Speaker 1: for you because I know it's something that I struggle with.

563
00:27:36,000 --> 00:27:38,600
Speaker 1: I still struggle with because, like I really look at

564
00:27:38,640 --> 00:27:40,000
Speaker 1: I'm like, did we really have to pay for like

565
00:27:40,000 --> 00:27:42,800
Speaker 1: the six figure renovation of the house in cash? Because

566
00:27:42,840 --> 00:27:44,960
Speaker 1: I'm like, Dad gone to Tiffany. You could have put

567
00:27:44,960 --> 00:27:47,040
Speaker 1: it and grown it, and then you know, I just

568
00:27:47,720 --> 00:27:50,919
Speaker 1: I'm trying to like I'm trying to be a reformed

569
00:27:52,160 --> 00:27:55,320
Speaker 1: anti detaholic, And like I said, I know that is

570
00:27:55,359 --> 00:27:59,200
Speaker 1: not a good thing, but sometimes you can put money

571
00:27:59,200 --> 00:28:02,199
Speaker 1: toward things that can and grow, then you can actually

572
00:28:02,240 --> 00:28:04,679
Speaker 1: be more effective in attackling that debt and still have

573
00:28:04,720 --> 00:28:06,840
Speaker 1: money left over. And so I'm just giving you the

574
00:28:06,840 --> 00:28:08,679
Speaker 1: advice that I wish somebody you know would give me

575
00:28:08,720 --> 00:28:12,080
Speaker 1: some time. So just go, huh so.

576
00:28:12,080 --> 00:28:15,080
Speaker 2: With that nine k, like how much you know, maybe

577
00:28:15,119 --> 00:28:18,000
Speaker 2: save like put a thousand, you know in your emergency

578
00:28:18,000 --> 00:28:20,159
Speaker 2: fund or something like that. That seems like a decent

579
00:28:20,160 --> 00:28:23,600
Speaker 2: cushion to start with. And then if you were to

580
00:28:23,640 --> 00:28:26,160
Speaker 2: pay the whole credit card off that full twelve k,

581
00:28:26,720 --> 00:28:28,920
Speaker 2: then it just you just have to like change your

582
00:28:28,960 --> 00:28:30,760
Speaker 2: habits to get to a place where you're not you're

583
00:28:30,760 --> 00:28:32,760
Speaker 2: not going to be going back into debt, and that

584
00:28:32,800 --> 00:28:35,000
Speaker 2: you'll be able and that you have some like, you know,

585
00:28:35,080 --> 00:28:38,720
Speaker 2: start actively paying down whatever is left because you didn't

586
00:28:38,840 --> 00:28:41,680
Speaker 2: cash out your entire bonus to pay it off, like

587
00:28:41,760 --> 00:28:43,880
Speaker 2: actively pay off and make that you're a new priority

588
00:28:44,720 --> 00:28:47,720
Speaker 2: so that you're not in the same you know, situation later.

589
00:28:48,560 --> 00:28:52,240
Speaker 1: Yeah. So yeah, because I mean, yeah, because that too,

590
00:28:52,360 --> 00:28:54,800
Speaker 1: because it's like that twelve thousand dollars that didn't come

591
00:28:54,840 --> 00:28:57,840
Speaker 1: from nowhere, and so that's just a concern that like, okay,

592
00:28:58,480 --> 00:29:00,000
Speaker 1: you might slip back into it, and now you don't

593
00:29:00,000 --> 00:29:03,800
Speaker 1: don't have any fallback of like to grab money from

594
00:29:03,800 --> 00:29:06,240
Speaker 1: someplace because you've used your whole bonus toward this. But

595
00:29:06,800 --> 00:29:09,160
Speaker 1: I mean, all in all, you seem like you're in

596
00:29:09,200 --> 00:29:13,240
Speaker 1: a good position. Just don't overextend yourself with getting rid

597
00:29:13,280 --> 00:29:14,760
Speaker 1: of all of your savings.

598
00:29:16,120 --> 00:29:19,280
Speaker 2: And thanks for your question, Jessica. Yeah, can we do

599
00:29:19,360 --> 00:29:20,959
Speaker 2: one more. We have a little bit of time, we

600
00:29:20,960 --> 00:29:26,360
Speaker 2: shull care. Okay, Then this one comes from the gram

601
00:29:26,560 --> 00:29:29,040
Speaker 2: where did it go? I just think this one's kind

602
00:29:29,040 --> 00:29:32,120
Speaker 2: of funny. So this is from all Hail Queen Bee

603
00:29:32,480 --> 00:29:35,440
Speaker 2: on Instagram. She says, I have a question on behalf

604
00:29:35,480 --> 00:29:38,360
Speaker 2: of a friend. This friend has a remote job that

605
00:29:38,400 --> 00:29:41,080
Speaker 2: pays a little over eighty thousand dollars, and she decided

606
00:29:41,080 --> 00:29:43,840
Speaker 2: to pack her bags and leave California to go where

607
00:29:43,880 --> 00:29:46,680
Speaker 2: her money goes further. She decided to buy a home

608
00:29:46,720 --> 00:29:49,800
Speaker 2: in Atlanta, but she's a little afraid with the recession looming,

609
00:29:49,800 --> 00:29:52,840
Speaker 2: and she's wondering, is now the right time to buy

610
00:29:53,240 --> 00:29:57,600
Speaker 2: a home? What of atl Everyone's going to atl right now?

611
00:29:57,680 --> 00:29:59,640
Speaker 1: Yes they are. They happened for them for the last

612
00:29:59,680 --> 00:30:02,400
Speaker 1: few years. So yeah, it's the Black Mecca.

613
00:30:02,800 --> 00:30:06,240
Speaker 2: I know I left too soon, so good. Interesting question,

614
00:30:06,320 --> 00:30:09,000
Speaker 2: I mean one, I think if you have no kids,

615
00:30:09,040 --> 00:30:11,560
Speaker 2: no family, no ties, like I don't know, especially because

616
00:30:11,600 --> 00:30:14,400
Speaker 2: you can work like anywhere now and like everyone should

617
00:30:14,400 --> 00:30:15,800
Speaker 2: just move to a place with a low cost of

618
00:30:15,800 --> 00:30:18,840
Speaker 2: living because then you're instantly creating where wealth for yourself.

619
00:30:18,840 --> 00:30:21,640
Speaker 2: So I think that's really smart. Does she need to

620
00:30:21,680 --> 00:30:24,920
Speaker 2: buy a home right off the bat? I don't know

621
00:30:24,960 --> 00:30:25,520
Speaker 2: about all that?

622
00:30:26,080 --> 00:30:27,720
Speaker 1: Is she where's she moving from? Does she say? Again?

623
00:30:27,760 --> 00:30:30,800
Speaker 2: From California to Atlanta, Georgia.

624
00:30:31,320 --> 00:30:33,680
Speaker 1: Oh yeah, child, that's gonna be much lower.

625
00:30:33,800 --> 00:30:35,440
Speaker 2: So eighty k and there's fun. There's like cost of

626
00:30:35,480 --> 00:30:37,920
Speaker 2: living calculators. I think, I think I forget where I

627
00:30:37,920 --> 00:30:39,400
Speaker 2: saw one. I'll try and put a link in, but

628
00:30:39,480 --> 00:30:41,320
Speaker 2: you put in your you put in where you live now,

629
00:30:41,400 --> 00:30:43,360
Speaker 2: your income now, and then you can put in where

630
00:30:43,400 --> 00:30:44,960
Speaker 2: you're moving to, and it'll just show you how much

631
00:30:45,000 --> 00:30:47,520
Speaker 2: more your money is worth. I did that once to

632
00:30:47,520 --> 00:30:49,480
Speaker 2: compare what I'm earning here and how much it'd be

633
00:30:49,480 --> 00:30:51,400
Speaker 2: worth in Georgia, and I was like, I need to leave.

634
00:30:53,120 --> 00:30:57,959
Speaker 2: But then you know, marriage and children and stuff and dog. Yeah,

635
00:30:58,080 --> 00:31:00,760
Speaker 2: but the question, like, you know, is it a good

636
00:31:00,760 --> 00:31:03,720
Speaker 2: time to buy a home with the recession looming? I mean,

637
00:31:03,920 --> 00:31:08,959
Speaker 2: that's really difficult to say. And this recession is, like

638
00:31:09,000 --> 00:31:12,280
Speaker 2: we said in the last week's episode, it's shaping up

639
00:31:12,320 --> 00:31:14,680
Speaker 2: to be very different than the housing crisis.

640
00:31:14,760 --> 00:31:17,000
Speaker 1: I was gonna say, this is not a housing crisis. Recession.

641
00:31:17,440 --> 00:31:19,280
Speaker 2: Yes, and Atlanta was hard hit.

642
00:31:19,360 --> 00:31:19,520
Speaker 3: You know.

643
00:31:19,560 --> 00:31:22,560
Speaker 2: I had had family in the real estate business whose

644
00:31:22,600 --> 00:31:25,880
Speaker 2: businesses almost tanked, you know, did go bankrupt because of

645
00:31:25,920 --> 00:31:28,680
Speaker 2: the crisis there. Because I lived in one of those

646
00:31:28,680 --> 00:31:32,360
Speaker 2: neighborhoods that was next door to the big development projects

647
00:31:32,400 --> 00:31:34,720
Speaker 2: with all those like half million dollar houses that just

648
00:31:34,720 --> 00:31:37,680
Speaker 2: stayed empty in two thousand and six and seven. The

649
00:31:37,720 --> 00:31:39,600
Speaker 2: problem back then was that people were getting approved for

650
00:31:39,640 --> 00:31:42,560
Speaker 2: houses they couldn't afford on paper with their income. As

651
00:31:42,600 --> 00:31:44,600
Speaker 2: long as you are getting a house that you can't afford,

652
00:31:45,360 --> 00:31:47,800
Speaker 2: and you know, if things were to go belly up,

653
00:31:47,800 --> 00:31:50,480
Speaker 2: like you can afford your mortgage payments, you have savings.

654
00:31:51,480 --> 00:31:55,200
Speaker 2: It's not like it's a super terribly you know, risky

655
00:31:55,760 --> 00:31:58,200
Speaker 2: financial choice and you're in danger of ending up like

656
00:31:58,240 --> 00:32:02,520
Speaker 2: these people were back in you know, the early two thousands, and.

657
00:32:02,680 --> 00:32:04,800
Speaker 1: I just looked on lending Tree, you know, the property

658
00:32:04,840 --> 00:32:08,320
Speaker 1: you work for in say Heay, and the interest rates

659
00:32:08,400 --> 00:32:10,280
Speaker 1: actually really good right now, they're.

660
00:32:10,080 --> 00:32:12,040
Speaker 2: So good they're better than when I got my house

661
00:32:12,240 --> 00:32:13,000
Speaker 2: a year ago.

662
00:32:13,320 --> 00:32:18,200
Speaker 1: Because a thirty year fah loan is three point two percent,

663
00:32:18,960 --> 00:32:20,800
Speaker 1: that's what the interest rate is. And a thirty year

664
00:32:20,840 --> 00:32:24,120
Speaker 1: fixed rate loan so FAHA is typically if you're like

665
00:32:24,120 --> 00:32:26,400
Speaker 1: the first time you know home buyer, that you can

666
00:32:26,480 --> 00:32:28,200
Speaker 1: qualify for that. There's some other things you have to do,

667
00:32:28,280 --> 00:32:31,000
Speaker 1: but a thirty year fixed rate is three point six

668
00:32:31,080 --> 00:32:34,440
Speaker 1: y nine, I mean that's three point anything for a

669
00:32:34,480 --> 00:32:37,400
Speaker 1: mortgage is actually excellent. So it actually might be because

670
00:32:37,440 --> 00:32:39,400
Speaker 1: right now What that means is money is cheap right now,

671
00:32:39,720 --> 00:32:42,240
Speaker 1: so you can I mean I don't know if like

672
00:32:42,280 --> 00:32:44,160
Speaker 1: you know, housing prices for drop I mean many and

673
00:32:44,240 --> 00:32:47,000
Speaker 1: obviously we can't know that, but I do know that

674
00:32:47,920 --> 00:32:50,120
Speaker 1: interest rates just a year ago were like five percent

675
00:32:50,160 --> 00:32:51,920
Speaker 1: I think when we were when when Jerrell and I

676
00:32:51,960 --> 00:32:54,480
Speaker 1: were looking, so we thought we were gonna get a mortgage.

677
00:32:54,800 --> 00:32:57,720
Speaker 1: And this is a year ago before this house came

678
00:32:57,760 --> 00:32:59,360
Speaker 1: on the market and the bank was like, no, we're

679
00:32:59,400 --> 00:33:02,080
Speaker 1: only going to sell for cash, but we were looking

680
00:33:02,120 --> 00:33:04,040
Speaker 1: at like five percent. This was like a year ago,

681
00:33:04,640 --> 00:33:06,720
Speaker 1: and so the interest rates are really good right now.

682
00:33:06,760 --> 00:33:09,440
Speaker 1: So it's not a bad time as far as interest

683
00:33:09,480 --> 00:33:13,120
Speaker 1: rates are concerned to borrow money for a home. But

684
00:33:13,320 --> 00:33:17,200
Speaker 1: like I would look to see where where you are

685
00:33:17,200 --> 00:33:20,920
Speaker 1: buying the as housing has it gone up pretty steadily?

686
00:33:21,520 --> 00:33:23,920
Speaker 1: Is it like an up and coming neighborhood. That's also

687
00:33:23,920 --> 00:33:27,640
Speaker 1: a good thing, you know, just look at housing prices

688
00:33:27,640 --> 00:33:29,600
Speaker 1: in the area, do your comps, make sure you just

689
00:33:29,640 --> 00:33:31,760
Speaker 1: do your research so you know that. So it's either

690
00:33:31,880 --> 00:33:33,560
Speaker 1: like two coins, Like my parents live in the house

691
00:33:34,080 --> 00:33:36,680
Speaker 1: and live in a neighborhood in Westfield, New Jersey where

692
00:33:36,720 --> 00:33:39,760
Speaker 1: it's pretty like a really nice neighborhood and even during

693
00:33:39,800 --> 00:33:43,280
Speaker 1: the recession, they you know, they may have taken a dip,

694
00:33:43,320 --> 00:33:45,280
Speaker 1: but they're right back at the top of the market

695
00:33:45,320 --> 00:33:47,160
Speaker 1: as far as like homes are concerned. Because Westfield has

696
00:33:47,160 --> 00:33:50,280
Speaker 1: a great school system. It's very a really beautiful, solid

697
00:33:50,280 --> 00:33:53,360
Speaker 1: town with direct trains and transportation to New York. Now

698
00:33:53,400 --> 00:33:56,160
Speaker 1: where I live now in Newark is very much like

699
00:33:56,240 --> 00:33:59,840
Speaker 1: pre Brooklyn, you know, nineteen ninety eight or whatever, where

700
00:34:00,240 --> 00:34:04,000
Speaker 1: like Newark, it's a great time to buy because it's

701
00:34:04,240 --> 00:34:06,400
Speaker 1: just starting to take off. Well, I mean, if you

702
00:34:06,400 --> 00:34:09,399
Speaker 1: could even find anything quite honestly now because no one.

703
00:34:09,640 --> 00:34:13,200
Speaker 1: Newark is situated by New York, which has Brooklyn. Harlem

704
00:34:13,280 --> 00:34:16,480
Speaker 1: is also situated by Jersey City. These are cities that

705
00:34:17,120 --> 00:34:20,319
Speaker 1: it's the cost of living is so expensive that people

706
00:34:20,360 --> 00:34:24,080
Speaker 1: are now looking to Newark, which normally was not considered

707
00:34:24,080 --> 00:34:25,960
Speaker 1: a desirable town because they had some riots in the

708
00:34:26,000 --> 00:34:28,000
Speaker 1: sixties and it really like tore New York down. But

709
00:34:28,120 --> 00:34:31,719
Speaker 1: now because the surrounding area is so expensive, Newark has

710
00:34:31,760 --> 00:34:35,319
Speaker 1: an airport, Newark has transportation so now, and Newark has

711
00:34:35,400 --> 00:34:36,960
Speaker 1: like some of the lowest taxes in the state of

712
00:34:37,000 --> 00:34:40,080
Speaker 1: New Jersey. Well in this area that the northeast part

713
00:34:40,120 --> 00:34:43,120
Speaker 1: of New Jersey where I live, And so as a result,

714
00:34:43,560 --> 00:34:47,080
Speaker 1: you find houses that you know, like you know, our house,

715
00:34:47,160 --> 00:34:49,560
Speaker 1: even at full price at like three eighty or whatever,

716
00:34:49,640 --> 00:34:52,719
Speaker 1: it's still cheap compared to two towns over. And so

717
00:34:53,080 --> 00:34:55,320
Speaker 1: I would also look to see, like, am I buying

718
00:34:55,320 --> 00:34:57,640
Speaker 1: in a really solid neighborhood where like, okay, these home

719
00:34:57,680 --> 00:35:00,000
Speaker 1: prices are pretty rock solid they don't really dip in train,

720
00:35:00,520 --> 00:35:04,280
Speaker 1: Or am I buying an upcoming neighborhood where the surrounding

721
00:35:04,440 --> 00:35:06,680
Speaker 1: neighborhoods are really expensive and so people are starting to

722
00:35:06,640 --> 00:35:08,680
Speaker 1: spill over here and I can still get a good deal.

723
00:35:08,880 --> 00:35:11,400
Speaker 1: So just remember that buying a house is an investment,

724
00:35:12,200 --> 00:35:14,200
Speaker 1: and so think about it that way, Like, am I

725
00:35:14,280 --> 00:35:17,480
Speaker 1: purchasing a home that years from now, it's going to

726
00:35:17,560 --> 00:35:20,919
Speaker 1: be the value is going to hold steady and grow

727
00:35:20,920 --> 00:35:23,000
Speaker 1: a little bit or grow dramatically because I've brought in

728
00:35:23,000 --> 00:35:26,480
Speaker 1: a neighborhood where I like the houses is undervalued momentarily.

729
00:35:27,719 --> 00:35:29,360
Speaker 2: Yeah, those are all really good questions, and there's so

730
00:35:29,360 --> 00:35:32,279
Speaker 2: many resources online that you can use, from zillo to

731
00:35:32,440 --> 00:35:36,799
Speaker 2: truly to look at the history of home values in

732
00:35:36,840 --> 00:35:39,919
Speaker 2: your exact zip code, because really, like, yes, on the

733
00:35:40,000 --> 00:35:44,360
Speaker 2: macro level, like recession looming, sure, but is one looming

734
00:35:44,440 --> 00:35:47,319
Speaker 2: in the town that you're buying in Atlanta? Like it's

735
00:35:47,320 --> 00:35:49,239
Speaker 2: almost like you need to look at the microeconomy and

736
00:35:49,239 --> 00:35:52,040
Speaker 2: what's happening and where you live and not the whole

737
00:35:52,040 --> 00:35:54,279
Speaker 2: country does not respond to recessions in the same way.

738
00:35:55,120 --> 00:35:58,480
Speaker 2: It really depends on the location. So I agree, look

739
00:35:58,480 --> 00:36:02,440
Speaker 2: at your specific location, talk to other homeowners in the area,

740
00:36:03,520 --> 00:36:07,360
Speaker 2: and ultimately make the best decision for you financially, and

741
00:36:07,440 --> 00:36:09,800
Speaker 2: definitely don't try and get more than you can afford.

742
00:36:09,840 --> 00:36:12,279
Speaker 2: And you know, tell your friend that quote unquote friend

743
00:36:12,280 --> 00:36:16,920
Speaker 2: who's his friend? I don't know, all right, I'll just

744
00:36:16,960 --> 00:36:18,560
Speaker 2: say if I could buy something in Atlanta, as my

745
00:36:18,600 --> 00:36:21,920
Speaker 2: next goal is to buy an investment property back in Georgia,

746
00:36:22,040 --> 00:36:24,840
Speaker 2: So hopefully that's not a bad decision. But we'll see,

747
00:36:26,160 --> 00:36:29,720
Speaker 2: all right, guys, thank you very much for your questions. Again.

748
00:36:29,960 --> 00:36:33,120
Speaker 2: We are Brandabission Podcast at gmail dot com. If you

749
00:36:33,160 --> 00:36:35,160
Speaker 2: want to hit us up on email. You can also

750
00:36:35,200 --> 00:36:40,160
Speaker 2: go to Instagram. We're at Brandonbision Podcast on the Gram.

751
00:36:40,239 --> 00:36:43,960
Speaker 1: Yes, now it's time for Boost to break for all

752
00:36:44,000 --> 00:36:47,800
Speaker 1: our family. Will you boost? Will you break? What will

753
00:36:47,880 --> 00:36:52,000
Speaker 1: it be? Many.

754
00:36:52,600 --> 00:36:55,640
Speaker 2: I'm gonna do a quick boost. I downloaded this book

755
00:36:56,080 --> 00:36:58,400
Speaker 2: on my vacation because I went to I went on

756
00:36:58,480 --> 00:37:00,400
Speaker 2: vacation with the novel and it was too short, and

757
00:37:00,440 --> 00:37:02,319
Speaker 2: you know, you finished a book too early, and I'm like, damn,

758
00:37:02,320 --> 00:37:04,680
Speaker 2: I have a whole other week lift. So I got this.

759
00:37:04,880 --> 00:37:08,040
Speaker 2: I have downloaded this audio book a while back. I

760
00:37:08,080 --> 00:37:09,760
Speaker 2: don't even know why. I must have had some audible

761
00:37:09,760 --> 00:37:12,640
Speaker 2: credits I needed to use before they expired. But it's

762
00:37:12,760 --> 00:37:15,359
Speaker 2: been really, really good and if you are leading a team,

763
00:37:15,480 --> 00:37:18,520
Speaker 2: especially if you're a new leader, or even if you're

764
00:37:18,520 --> 00:37:21,879
Speaker 2: a veteran leader, I've really enjoyed this book. So it's

765
00:37:21,920 --> 00:37:27,160
Speaker 2: by Brene Brown. Who do you know Brene? Yes, I know,

766
00:37:27,239 --> 00:37:29,319
Speaker 2: I'm like the last person to know about her. I

767
00:37:29,400 --> 00:37:31,400
Speaker 2: just again, I randomly download this book, but I googled

768
00:37:31,400 --> 00:37:32,719
Speaker 2: her and I'm like, oh, she had the viral ted

769
00:37:32,760 --> 00:37:35,960
Speaker 2: talk about leadership and vulnerability, and so her book and

770
00:37:35,960 --> 00:37:37,920
Speaker 2: she has a couple of a few different books at

771
00:37:37,920 --> 00:37:41,520
Speaker 2: this point, but this one's specifically for managers, and it's

772
00:37:41,520 --> 00:37:46,280
Speaker 2: called Dare to Lead, Brave Work, Tough Conversations, Whole Hearts.

773
00:37:46,360 --> 00:37:48,560
Speaker 2: And I'm about halfway through it now and I've been

774
00:37:48,560 --> 00:37:51,800
Speaker 2: taking notes like a good student, and it's been really helpful.

775
00:37:51,840 --> 00:37:54,920
Speaker 2: Like one, it's been one of it's sort of an

776
00:37:54,960 --> 00:37:58,360
Speaker 2: affirmation for some of the styles that I have personally

777
00:37:58,960 --> 00:38:01,440
Speaker 2: adapted from my own management style, but it's also like

778
00:38:01,880 --> 00:38:04,719
Speaker 2: giving me a different way to think about how I

779
00:38:04,760 --> 00:38:07,080
Speaker 2: speak to people on my team. And and she does

780
00:38:07,120 --> 00:38:11,000
Speaker 2: talk about being vulnerability as a leader and how it's

781
00:38:11,040 --> 00:38:12,880
Speaker 2: okay to show some of that to your people, especially

782
00:38:12,880 --> 00:38:15,480
Speaker 2: because I'm about to give birth, and that's I can't

783
00:38:15,480 --> 00:38:18,120
Speaker 2: think of anything more vulnerable than becoming a new mom

784
00:38:18,840 --> 00:38:22,480
Speaker 2: and also leading a team. And it's helping me be like, understand, Okay,

785
00:38:22,520 --> 00:38:24,640
Speaker 2: it is okay to I'm not trying to hide the

786
00:38:24,680 --> 00:38:26,320
Speaker 2: fact that I'm having a baby. I can still be

787
00:38:26,360 --> 00:38:28,759
Speaker 2: a boss and a mom and I can still open

788
00:38:28,840 --> 00:38:30,839
Speaker 2: up about, you know why, I'm going to be out

789
00:38:30,880 --> 00:38:32,719
Speaker 2: for a few days or a few hours to go

790
00:38:32,719 --> 00:38:34,880
Speaker 2: to doctor's appointments and I shouldn't be ashamed of that.

791
00:38:34,960 --> 00:38:38,240
Speaker 2: And so it's been it's good. I reckon I highly

792
00:38:38,280 --> 00:38:40,239
Speaker 2: how they recommend it. It's been really great so far.

793
00:38:40,600 --> 00:38:43,680
Speaker 2: So it's dare to lead, brave work, tough conversations, whole

794
00:38:43,680 --> 00:38:46,839
Speaker 2: hearts and the audiobook is good, it's not boring. I

795
00:38:46,920 --> 00:38:49,200
Speaker 2: like that she reads it herself and she's got a

796
00:38:49,239 --> 00:38:52,400
Speaker 2: really good like presence to her voice. It's very like conversation.

797
00:38:53,480 --> 00:38:56,200
Speaker 1: Yes, I love Rene Brown honestly, Like I watched that

798
00:38:56,280 --> 00:38:58,480
Speaker 1: viral ted talk and it was like, waits.

799
00:38:58,200 --> 00:39:01,280
Speaker 2: I feel like I'm behind. It's so behind the world.

800
00:39:01,680 --> 00:39:02,440
Speaker 2: I'm caught up now.

801
00:39:02,520 --> 00:39:05,400
Speaker 1: Oh yeah, she's awesome. And since then she's just exploded

802
00:39:05,440 --> 00:39:07,719
Speaker 1: all over everywhere. She's just really dope. So yes, and

803
00:39:07,760 --> 00:39:09,879
Speaker 1: maybe I'll pick up that book. I'm not. That's one

804
00:39:09,880 --> 00:39:12,440
Speaker 1: of my things, my joy things, remember I said earlier,

805
00:39:12,560 --> 00:39:14,399
Speaker 1: like make a list of things that bring you joy.

806
00:39:14,480 --> 00:39:16,880
Speaker 1: Like I used to be such a big reader. And

807
00:39:16,920 --> 00:39:18,919
Speaker 1: now I mean not that I don't read now, but

808
00:39:19,200 --> 00:39:22,440
Speaker 1: everything is like reading to learn more about you know,

809
00:39:22,560 --> 00:39:25,880
Speaker 1: these dogs, to learn more about you know, like marketing,

810
00:39:26,080 --> 00:39:29,080
Speaker 1: but like reading just for the joy of reading, like

811
00:39:29,120 --> 00:39:30,759
Speaker 1: I have not done that, and so like I used

812
00:39:30,760 --> 00:39:32,280
Speaker 1: to like plow through books.

813
00:39:32,320 --> 00:39:34,400
Speaker 2: You know, Oh I got a dad one. What do

814
00:39:34,480 --> 00:39:37,760
Speaker 2: you have a fun summer read? No, summer's not over yet.

815
00:39:38,080 --> 00:39:40,640
Speaker 2: Really good books. So it's a quickly little I think

816
00:39:40,640 --> 00:39:42,479
Speaker 2: I read this novel in like three days on the train.

817
00:39:42,640 --> 00:39:45,840
Speaker 2: But it's called My Sister the serial Killer, and it's

818
00:39:45,920 --> 00:39:50,400
Speaker 2: it takes place in Nigeria, so hey, and it's about

819
00:39:51,080 --> 00:39:53,719
Speaker 2: two sisters and one of them's a serial killer. It's

820
00:39:53,760 --> 00:39:57,200
Speaker 2: really good. Yeah, it's good. It's like funny. It's a funny.

821
00:39:57,400 --> 00:39:59,960
Speaker 2: I don't know, a dark comedy. I can't wait for them.

822
00:40:00,000 --> 00:40:01,360
Speaker 2: Sure it's going to be a TV show or like

823
00:40:01,400 --> 00:40:03,000
Speaker 2: a movie or something. It's really good.

824
00:40:03,640 --> 00:40:05,760
Speaker 1: But okay, My Sister the serial Killer. Okay.

825
00:40:05,840 --> 00:40:09,280
Speaker 2: If you guys want a little quick, easy summer read recommended.

826
00:40:09,560 --> 00:40:11,560
Speaker 1: Yes, oh and please you can. They're definitely like at

827
00:40:11,600 --> 00:40:13,600
Speaker 1: Me the Bunjanista, if you've got some really great reads,

828
00:40:13,600 --> 00:40:15,880
Speaker 1: I like, I'm like, I don't have like a specific

829
00:40:15,960 --> 00:40:17,919
Speaker 1: John and like, oh I'm a I'm such and such

830
00:40:17,960 --> 00:40:21,320
Speaker 1: like I I love like like I love Malcolm Gladwell

831
00:40:21,360 --> 00:40:24,920
Speaker 1: with all his books on research. I like, like one

832
00:40:24,920 --> 00:40:25,680
Speaker 1: of my favorite books.

833
00:40:25,719 --> 00:40:27,759
Speaker 2: Is he buying his books and not reading them. I

834
00:40:27,760 --> 00:40:31,360
Speaker 2: gotta read what I'm supposed to want to. I'm supposed

835
00:40:31,360 --> 00:40:32,960
Speaker 2: to read them, right, I have audio books, I got

836
00:40:33,000 --> 00:40:35,520
Speaker 2: the paperbag. I need to read his books.

837
00:40:35,320 --> 00:40:37,800
Speaker 1: That's really good. I don't know how he makes research

838
00:40:38,120 --> 00:40:40,640
Speaker 1: like it feels like a novel, you're like, tell me more. Malcolm.

839
00:40:40,719 --> 00:40:43,360
Speaker 1: He's one of my favorite authors honestly, so his books

840
00:40:43,360 --> 00:40:45,600
Speaker 1: are great. I love like, of course thee Alchemist by

841
00:40:45,640 --> 00:40:49,320
Speaker 1: Powell Couelo, So I love There's this book called Jonathan

842
00:40:49,400 --> 00:40:52,000
Speaker 1: Livingston Seago, which is like one of my favorite books.

843
00:40:52,040 --> 00:40:54,799
Speaker 1: It's very like alchemist esque if you like The Alchemist.

844
00:40:56,040 --> 00:40:58,680
Speaker 1: But I also love like trashy like romance novels, you know,

845
00:40:58,800 --> 00:41:00,719
Speaker 1: So I'm all over the is my reading. So if

846
00:41:00,719 --> 00:41:02,160
Speaker 1: you have a book that you just think is amazing,

847
00:41:03,280 --> 00:41:06,040
Speaker 1: at me the budgetista on Twitter or even Instagram. And

848
00:41:06,360 --> 00:41:08,319
Speaker 1: because I you know, like I said, I don't have

849
00:41:08,320 --> 00:41:11,680
Speaker 1: a specific genre that I'm like, oh like I yeah,

850
00:41:11,840 --> 00:41:14,600
Speaker 1: I just love to read, although I have not made

851
00:41:14,680 --> 00:41:17,520
Speaker 1: reading for pleasure a priority. But we off that now

852
00:41:17,600 --> 00:41:22,759
Speaker 1: we back on it. So my booze is actually four.

853
00:41:22,920 --> 00:41:25,440
Speaker 1: So as you know, did we talk about that VMA's

854
00:41:25,480 --> 00:41:26,720
Speaker 1: that they were in Newark?

855
00:41:27,200 --> 00:41:27,840
Speaker 2: Yeah, talking about that.

856
00:41:28,239 --> 00:41:30,319
Speaker 1: Oh so if you guys didn't watch, there was a

857
00:41:30,360 --> 00:41:34,880
Speaker 1: young woman named Lizzo who was amazing. She she's breaking

858
00:41:34,920 --> 00:41:39,240
Speaker 1: down all these barriers. So her her song truth Hurts

859
00:41:39,560 --> 00:41:41,799
Speaker 1: where she's like I just took a DNA test and

860
00:41:42,080 --> 00:41:44,879
Speaker 1: the results came back, I'm I'm that bitch or something

861
00:41:44,920 --> 00:41:46,840
Speaker 1: like that. But it's amazing.

862
00:41:47,120 --> 00:41:50,400
Speaker 2: Now, Okay, go ahead, you just you just said it

863
00:41:50,440 --> 00:41:53,120
Speaker 2: so like I just took a DNA test and my

864
00:41:53,160 --> 00:41:55,560
Speaker 2: results came back, and I'm one hundred percent that bitch,

865
00:41:56,800 --> 00:41:59,640
Speaker 2: even when I'm crying crazy, I got boy problems. Is

866
00:41:59,640 --> 00:42:03,919
Speaker 2: to human me. No, I'll stop. Now continue now, dude,

867
00:42:04,239 --> 00:42:06,560
Speaker 2: I'm like any rate it could have had a bad bitch,

868
00:42:06,920 --> 00:42:11,000
Speaker 2: noncommittal help you with your career, just a little need

869
00:42:11,000 --> 00:42:14,120
Speaker 2: to hold you down, like saying it as if I'm

870
00:42:14,120 --> 00:42:17,600
Speaker 2: just talking to my mom. Yeah, but continue, Yeah, a

871
00:42:17,600 --> 00:42:17,840
Speaker 2: lot of.

872
00:42:18,760 --> 00:42:23,480
Speaker 1: Yeah, She's amazing. And the fact that like she has

873
00:42:23,520 --> 00:42:25,480
Speaker 1: like you know, the number one because you know, as

874
00:42:25,520 --> 00:42:27,920
Speaker 1: you know little nas X and Billy ray Cyrus for

875
00:42:27,960 --> 00:42:29,879
Speaker 1: Old Time Road. I think he was like number one

876
00:42:29,920 --> 00:42:31,719
Speaker 1: for like seventeen or eighteen weeks in ago he broke

877
00:42:31,800 --> 00:42:34,839
Speaker 1: like the record, mari I Carrey's record. So anyway, what

878
00:42:34,880 --> 00:42:36,839
Speaker 1: I love about her is that she is quirky, She

879
00:42:37,120 --> 00:42:42,240
Speaker 1: is talented. She herself specifically said, she told Time Magazine

880
00:42:42,239 --> 00:42:44,279
Speaker 1: back in April, I have to be that person because

881
00:42:44,320 --> 00:42:46,440
Speaker 1: I don't see that person because of who I am

882
00:42:46,480 --> 00:42:48,560
Speaker 1: my story happens to have a message to it. The

883
00:42:48,600 --> 00:42:51,120
Speaker 1: space I'm occupying isn't just for me, It's for all

884
00:42:51,160 --> 00:42:53,799
Speaker 1: the big black girls in the future who just want

885
00:42:53,800 --> 00:42:56,280
Speaker 1: to be seen. And I just just like, go ahead,

886
00:42:56,280 --> 00:42:59,719
Speaker 1: Lizzle And she plays the flute. She's just amazing, and

887
00:43:00,120 --> 00:43:03,920
Speaker 1: I just yeah, I just honestly, I'm just really happy

888
00:43:03,920 --> 00:43:07,560
Speaker 1: for her, and yeah, she's just I just wanted to

889
00:43:07,600 --> 00:43:09,480
Speaker 1: just give a shout out to someone who was like,

890
00:43:10,080 --> 00:43:12,560
Speaker 1: I'm going to show up as myself and you will deal.

891
00:43:13,040 --> 00:43:14,719
Speaker 1: Not only will you deal, you will love it. And

892
00:43:14,760 --> 00:43:17,040
Speaker 1: we are loving it. And Lizzo, congratulations, mama.

893
00:43:17,440 --> 00:43:21,000
Speaker 2: Shout out to Lizzo her flute, Sasha be fluting on Instagram.

894
00:43:21,080 --> 00:43:22,720
Speaker 2: I guess I follow her flute on Instagram.

895
00:43:23,280 --> 00:43:25,360
Speaker 1: Yeah, I love.

896
00:43:25,200 --> 00:43:27,799
Speaker 2: That you can follow her flute. Yeah, she's the best.

897
00:43:28,280 --> 00:43:30,440
Speaker 1: So we had a great show. I thought we had

898
00:43:30,440 --> 00:43:34,319
Speaker 1: some really great questions. Please keep asking your questions. If

899
00:43:34,360 --> 00:43:36,759
Speaker 1: you have not told a friend, tell a friend to

900
00:43:36,840 --> 00:43:39,840
Speaker 1: tell a friend and her friend to listen to Brown Ambition.

901
00:43:39,920 --> 00:43:41,680
Speaker 1: We love that you guys like tweet us, that you

902
00:43:42,080 --> 00:43:46,400
Speaker 1: facebook us, that you instagram us, and you know, we

903
00:43:46,640 --> 00:43:48,359
Speaker 1: just love to keep you know, we love showing up

904
00:43:48,360 --> 00:43:51,279
Speaker 1: for y'all, ask your questions, Share a brown break or

905
00:43:51,280 --> 00:43:53,920
Speaker 1: brown boost with us, because quite honestly, sometimes I'm at

906
00:43:53,920 --> 00:43:55,799
Speaker 1: a loss. So if you have a great brown break

907
00:43:55,880 --> 00:43:58,439
Speaker 1: or brown boost, certainly like share them with us because

908
00:43:58,480 --> 00:44:03,120
Speaker 1: we can read them out loud and credit you. Yeah.

909
00:44:03,600 --> 00:44:08,160
Speaker 1: I think I think that we are good.

910
00:44:08,840 --> 00:44:13,480
Speaker 2: We're great, all right, guys, We will see you next week,

911
00:44:14,080 --> 00:44:16,399
Speaker 2: all right, all right, bye, t have a good night.

912
00:44:17,680 --> 00:44:19,600
Speaker 2: Fingers crossed. The audio is good. I think it's good.

913
00:44:20,040 --> 00:44:20,279
Speaker 1: I think