WEBVTT - Ep. 187 — Promote Wealth & Combat Stress by...Walking?

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<v Speaker 1>Hey, hey, hey, we're back. We're black, We're brown a mission.

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<v Speaker 2>Hey Manny, Hey, how is your three day weekend?

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<v Speaker 1>EXCELLENTE? I spent it in the I don't know, does

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<v Speaker 1>Colorados have rocky mountains?

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<v Speaker 2>I think that's the Rockies, correct.

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<v Speaker 1>I spent them in the rocky mountains of Denver, Colorado. Outside. Nonetheless,

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<v Speaker 1>that sounds beautiful. What were you doing there? So there's

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<v Speaker 1>an organization called Girl Trek g A I R G

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<v Speaker 1>I R L trek t R e.

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<v Speaker 2>K What are you spelling? Okay, go ahead.

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<v Speaker 1>It was awesome. It was co founded by a women

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<v Speaker 1>named Morgan and Vanessa, and they just had this concern

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<v Speaker 1>for black women and their health. And so they said,

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<v Speaker 1>you know, if we could just get out and walk,

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<v Speaker 1>like in half an hour a day, it would just

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<v Speaker 1>make a tremendous difference in the health of black women,

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<v Speaker 1>because you know, black women have, like, as far as

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<v Speaker 1>women are concerned, like have the highest incidents of like

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<v Speaker 1>diabetes and like you know, blood high, blood sugar and hypertension,

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<v Speaker 1>all these things they tell you. And so they just

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<v Speaker 1>were like, what if we could create some sort of

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<v Speaker 1>movement to really get black women to move. Then what

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<v Speaker 1>they realized which I thought was really awesome because Girl

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<v Speaker 1>Trek is six hundred thousand women strong. I think at

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<v Speaker 1>the actual conference, I guess you can't even call it that,

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<v Speaker 1>but for lack of a better word, of conference with

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<v Speaker 1>which they call the Stress Protests, there was about six

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<v Speaker 1>hundred or so more women. But it was awesome, Like

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<v Speaker 1>we like Girl Trek. They have these like blue T shirts,

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<v Speaker 1>and so as soon as I got off the plane,

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<v Speaker 1>like and we got to like wherever' supposed to meet,

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<v Speaker 1>you just see blue a sea of blue T shirts.

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<v Speaker 1>And it was just awesome to see all of these

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<v Speaker 1>women all around the country come together and like, like

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<v Speaker 1>do all these outdoor kind of activities. You know, it's

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<v Speaker 1>so crazy. So I brought my like, last minute, I

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<v Speaker 1>found my fitt, which I have not been wearing, and

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<v Speaker 1>I brought it with me. Mandra, I walked over twenty

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<v Speaker 1>five miles in those few days. Damn. You like it

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<v Speaker 1>when I tell you, and like and so I went

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<v Speaker 1>on a hike, which is really great. I did like

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<v Speaker 1>the intermediate like beginner hike, which was really great. I

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<v Speaker 1>also they had like trap yoga amazing. They had double

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<v Speaker 1>Dutch overall bigs amazing.

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<v Speaker 2>This sounds like my dream workout class trap yoga.

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<v Speaker 1>It was so because it was like you know, it

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<v Speaker 1>was traditional yoga poses, but like Salams was playing and

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<v Speaker 1>like you know, like it was just like Drake. It

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<v Speaker 1>was just he played like really dope music while working

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<v Speaker 1>you through like you know, like the sun side and taste.

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<v Speaker 1>So that was awesome. They also had like this Vogue class,

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<v Speaker 1>like a self love Vogue class. They had something called

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<v Speaker 1>a soundback, which was like you kind of like lay

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<v Speaker 1>on the ground and then like they played like these

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<v Speaker 1>vibrational sounds to kind of like increase your your your

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<v Speaker 1>your your vibrations And honestly, it was really dope. What

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<v Speaker 1>else did that? Oh? I did acupuncture, massage. There was

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<v Speaker 1>so many things, And so it's really.

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<v Speaker 2>Like a conference where you like do you stay in

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<v Speaker 2>that same hotel? Is there like a registration fee or something?

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<v Speaker 1>Yeah, so there's I believe it was like maybe like

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<v Speaker 1>five or six hundred dollars. But what it's so great

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<v Speaker 1>about it includes your your your room, all the food

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<v Speaker 1>and transportation. You have to pay for your flight because

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<v Speaker 1>you know they can't know where you're coming from. But

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<v Speaker 1>so they did it at the why when they said

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<v Speaker 1>it was at the YMCA. I was like what, because

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<v Speaker 1>you know the YMCA where I live, it's like a

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<v Speaker 1>little small little building. But no, this YMCA is a

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<v Speaker 1>property with like acres and acres and acres of land,

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<v Speaker 1>and so they've got like little cabins we stayed in.

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<v Speaker 1>Like it was like I don't want to It wasn't

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<v Speaker 1>really a hotel. It it was like I guess it

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<v Speaker 1>was like hotel slash cabin. I guess you can kind

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<v Speaker 1>of call it. It was like two people per room,

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<v Speaker 1>but it was really cute and like like outdoors, like

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<v Speaker 1>everything was like wood trim and stuff like that. And

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<v Speaker 1>then they also have like a main hall, dining hall

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<v Speaker 1>where everyone could eat. So we weren't the only groups there.

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<v Speaker 1>They were like I guess people have Like there were

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<v Speaker 1>like church groups and like families were there and so

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<v Speaker 1>that's when we all ate. But we took over specific

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<v Speaker 1>like lodges where we stayed. But it was just such

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<v Speaker 1>an amazing experience. They even had a napping class.

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<v Speaker 2>Okay, napping did you get a little blue and red

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<v Speaker 2>matt and everything.

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<v Speaker 1>Well, you know, I missed it. That was so mad.

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<v Speaker 1>Some people were like it was amazing that you literally

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<v Speaker 1>went in and they like did soothing talking and sound

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<v Speaker 1>just to relax and busa. They were just what I loved.

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<v Speaker 1>It was like a mix of because I taught a

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<v Speaker 1>class called financial Wholeness, so it was a mix of

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<v Speaker 1>like you know, like classes, but then also like physical

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<v Speaker 1>activities that were classes, so it was it was just

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<v Speaker 1>and then I know, I don't know how long they

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<v Speaker 1>must have planned for this, because everything was branded in

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<v Speaker 1>this beautiful way. It just was so well done. I've

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<v Speaker 1>been to a lot of conferences and this was like

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<v Speaker 1>the anti conference, because you know, you go to a conference,

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<v Speaker 1>you sit in the room, the person sits at the front,

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<v Speaker 1>and it's like la la la, I know the things

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<v Speaker 1>you want to know me. And then you go to

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<v Speaker 1>the next room, same thing, the experts on the stage,

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<v Speaker 1>La la la, I know the things you want to

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<v Speaker 1>know me. But that wasn't this at all. This was like, hey,

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<v Speaker 1>instead of sitting in the classroom, and some things were

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<v Speaker 1>in the classroom, but it was like, hey, I went

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<v Speaker 1>on the hike before I went for this class, and

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<v Speaker 1>the next class for taking a nap, and the next

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<v Speaker 1>class like they literally had arts and crafts. It felt

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<v Speaker 1>like summer camp where you're like, oh, I can paint outside.

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<v Speaker 1>There were like dance sessions where you're like, oh, they

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<v Speaker 1>just played music and everyone was just dancing. When I

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<v Speaker 1>tell you the level of joy. I didn't realize how

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<v Speaker 1>anxious I was here in New Jersey until I came back,

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<v Speaker 1>because what I like too is that they didn't really

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<v Speaker 1>have any internet or phone acts, like very little, so

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<v Speaker 1>I was cut off from a lot of like quote unquote,

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<v Speaker 1>like the work stuff that I have to do. Plus

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<v Speaker 1>it was a holiday weekend, so it wasn't like anybody

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<v Speaker 1>was doing work anyway. But and then I got back

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<v Speaker 1>to Jersey and I felt like this flood of not

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<v Speaker 1>full fledged anxiety, but like anxiety. I was like, wow,

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<v Speaker 1>the difference, and it made me realize, like okay, because

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<v Speaker 1>I would never have like classified myself as someone who's anxious.

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<v Speaker 1>But coming back, I kind of felt the world's rushing

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<v Speaker 1>and I was like whoa, whoa, whoa. So one of

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<v Speaker 1>the things I like I was determined to do was

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<v Speaker 1>I actually went for a walk because one of the

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<v Speaker 1>classes I took was about how to distress and how

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<v Speaker 1>to get clear and focus and still because I'm like,

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<v Speaker 1>I feel like I'm always on ten and so I

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<v Speaker 1>took that class and something she said it seemed like

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<v Speaker 1>so small, but it really resonated. She had us like

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<v Speaker 1>kind of like do this like writing activity where we

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<v Speaker 1>wrote down the last time we felt joy and like, oh,

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<v Speaker 1>the some times that we just feel joy in general.

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<v Speaker 1>And so I did that, and it was like, oh,

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<v Speaker 1>when my niece and my nephew came over, or you know,

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<v Speaker 1>talking to my sister on the phone, or laughing with Jarell,

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<v Speaker 1>or taking a walk because I actually like walking. And

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<v Speaker 1>I realized a lot of the things I had on there,

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<v Speaker 1>like I don't do them that often. And we talked

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<v Speaker 1>about like, as a group, why are so many things

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<v Speaker 1>that we say we experience joy, but they are things

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<v Speaker 1>that we're not duplicating in our life over and over.

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<v Speaker 1>Like if hanging out with my niece and my nephew

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<v Speaker 1>gives me joy, I mean, my sister would love for

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<v Speaker 1>me to babysit twenty four hours a day, like go

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<v Speaker 1>see that, especially after work. I know she's exhausted, Like

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<v Speaker 1>they literally live probably not even a ten minute walk

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<v Speaker 1>from my house, a two minute drive. I could be like, Okay,

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<v Speaker 1>I know she gets home at seven. I'm gonna beat

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<v Speaker 1>her at the house. I'm gonna watch the kids relax,

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<v Speaker 1>and then I get joy as she gets rest, you know.

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<v Speaker 1>And so I just thought about that that like that

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<v Speaker 1>was like the probably the biggest takeaway from that class,

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<v Speaker 1>which is just to multiply the joy. You write down

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<v Speaker 1>the things that give you joy the last time you

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<v Speaker 1>felt it and ask yourself, how could I do that

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<v Speaker 1>again and again and again? Like I actually enjoy walking,

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<v Speaker 1>but I rarely walk, and I don't know why because

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<v Speaker 1>I work for myself at home. So this morning I

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<v Speaker 1>woke up and I was like, I had a I

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<v Speaker 1>had a PR call myself, Drina and my CEO Karen.

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<v Speaker 1>We have a PR call every other Tuesday. So I

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<v Speaker 1>had a PR call every other Tuesday. And so I

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<v Speaker 1>was walking and talking. I'm like, Timothy, take the PR

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<v Speaker 1>call on a walk, And because Adrina came with me,

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<v Speaker 1>so did Karen, my COO, and so did Tamika, who

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<v Speaker 1>I have several chapter DreamCatcher chapters. So if y'all just

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<v Speaker 1>knew listening like Dreamcatchers were about eight hundred thousand women

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<v Speaker 1>deep were like the beehive, like Beyonce's behive, but for

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<v Speaker 1>personal finance. And so I wanted them all to come

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<v Speaker 1>so we could see how can we enhance our group

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<v Speaker 1>and community experience. So I could see like what it

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<v Speaker 1>looked like when it was done at the level of excellence,

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<v Speaker 1>and girl Check is awesome and it went so well.

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<v Speaker 1>I met with them, one of the founders, Morgan, and

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<v Speaker 1>we're actually going to do things together because we have

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<v Speaker 1>a lot of overlaps. It's a lot of my audience

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<v Speaker 1>is also African American women, most of my audience, and

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<v Speaker 1>since they catered to African American women, and so we're

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<v Speaker 1>gonna start with something called the Wealth Walk, which I'm

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<v Speaker 1>so excited about, which is just girl trekkers walk every

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<v Speaker 1>week together anyway, but like one of those walks, we

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<v Speaker 1>will focus on talking about money. So I'm going to

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<v Speaker 1>create like a series of questions and a series of

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<v Speaker 1>like maybe definitions to talk about, and like a little

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<v Speaker 1>video that they can watch as they're walking, like right

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<v Speaker 1>before they walk, so they can discuss the discuss that

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<v Speaker 1>that Wealth Walks lesson. So it just made me really

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<v Speaker 1>excited about, you know, just some things that we could

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<v Speaker 1>do together. But then I can also bring back to

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<v Speaker 1>dream Catchers so they can do as well. So honestly,

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<v Speaker 1>I had a bomb dot Com weekend, despite the fact

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<v Speaker 1>that we were like in like, you know, I don't

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<v Speaker 1>consider myself an outdoorsy person, but we were that guy.

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<v Speaker 1>Like I said, twenty five plus miles is when I

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<v Speaker 1>walked just from like going to get something to eat,

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<v Speaker 1>going to go paint, going to jump, you know, going

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<v Speaker 1>to going to on our hike or whatever. It was

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<v Speaker 1>just like I said, it was just an amazing experience

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<v Speaker 1>and beautiful too.

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<v Speaker 2>That sounds really nice. Yeah, well, yeah, I did that

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<v Speaker 2>for Mental Health Month. I try. I took conference calls

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<v Speaker 2>on walks and but then it got to be like

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<v Speaker 2>one hundred degrees and one hundred percent humidity, and then

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<v Speaker 2>I stopped. But I'm getting back on now that the

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<v Speaker 2>weather is nice out. I've been getting out a lot

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<v Speaker 2>a lot more. But that makes me actually want I've

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<v Speaker 2>never looked into like doing a wellness retreat or a conference,

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<v Speaker 2>just like for myself, because you always think of conferences

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<v Speaker 2>as being like something you do for work or for

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<v Speaker 2>your business. But especially if you take it's such a

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<v Speaker 2>sounds such a good way to spend time with your

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<v Speaker 2>girlfriends and catch up.

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<v Speaker 1>Yeah, honestly, because I like Drina and I because you

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<v Speaker 1>have to you share rooms, so because you know, I

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<v Speaker 1>obviously was going with someone. So it was just so

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<v Speaker 1>nice we got to like because I feel like like

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<v Speaker 1>for me, you know, like I've known Drina, who's my poplicist.

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<v Speaker 1>So if you know jenas use my publicist. She like

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<v Speaker 1>has some really like high level clients and so sometimes

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<v Speaker 1>you know, but she's also my best friend. And I've

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<v Speaker 1>known Drina so she was nine and so sometimes like

0:10:52.800 --> 0:10:54.640
<v Speaker 1>we say that all the time that sometimes we're like,

0:10:55.320 --> 0:10:58.280
<v Speaker 1>you know, we talk, but I talked to Dream every day,

0:10:58.320 --> 0:11:01.560
<v Speaker 1>typically multiple times a day, but almost always is about

0:11:01.640 --> 0:11:03.440
<v Speaker 1>oh did you do the thing in CNBC wants to know?

0:11:03.480 --> 0:11:05.600
<v Speaker 1>And can you do the real and so you know,

0:11:05.720 --> 0:11:08.120
<v Speaker 1>and sometimes it's like we don't like when it's the

0:11:08.160 --> 0:11:10.520
<v Speaker 1>last time we just said hey, yeah, you know, just

0:11:10.600 --> 0:11:14.440
<v Speaker 1>like girlfriend out without it leading to also talking about business.

0:11:14.760 --> 0:11:17.440
<v Speaker 1>And so it was nice because we didn't talk about

0:11:17.480 --> 0:11:19.760
<v Speaker 1>business because it really you know, like we couldn't really

0:11:19.800 --> 0:11:23.920
<v Speaker 1>use our phones. We couldn't really like it was just like, oh,

0:11:24.000 --> 0:11:26.079
<v Speaker 1>isn't that plotter so pretty well? Take our picture by

0:11:26.080 --> 0:11:28.360
<v Speaker 1>this mountain or like you know, like we're just nice

0:11:28.559 --> 0:11:30.880
<v Speaker 1>just to be friends. So that part was really nice.

0:11:30.880 --> 0:11:34.440
<v Speaker 1>So I highly highly highly recommend. If you go to

0:11:34.520 --> 0:11:38.360
<v Speaker 1>girltrek dot com, you could join the movement. You can

0:11:38.440 --> 0:11:41.120
<v Speaker 1>like look for the next the next you can find

0:11:41.120 --> 0:11:44.120
<v Speaker 1>a walk local to you which is dope, and you know,

0:11:44.200 --> 0:11:47.640
<v Speaker 1>signing up for a girl for stress protests next year. Honestly,

0:11:47.679 --> 0:11:49.280
<v Speaker 1>it's such an even if you don't go with someone,

0:11:49.480 --> 0:11:52.240
<v Speaker 1>the women are so friendly. Girl, it was just a

0:11:52.240 --> 0:11:55.200
<v Speaker 1>bunch of hey, baby, good baby, Okay are you good.

0:11:55.200 --> 0:11:57.520
<v Speaker 1>I mean, it was just black women are just amazing

0:11:57.559 --> 0:11:59.720
<v Speaker 1>and it was just like a love fest of just

0:11:59.760 --> 0:12:05.720
<v Speaker 1>a amazing positive just yeah, it just was just I never,

0:12:05.920 --> 0:12:09.000
<v Speaker 1>I've never I'd never done anything like that before. It

0:12:09.160 --> 0:12:12.160
<v Speaker 1>just was like a LoveFest of like of women like me.

0:12:12.400 --> 0:12:14.920
<v Speaker 1>And so I highly recommend it if you guys are

0:12:14.960 --> 0:12:18.200
<v Speaker 1>looking for some way to get out there and something

0:12:18.200 --> 0:12:20.000
<v Speaker 1>that Morgan said that thought was really interesting and then

0:12:20.040 --> 0:12:22.640
<v Speaker 1>we can you know, chat about something else is But

0:12:23.000 --> 0:12:25.559
<v Speaker 1>she said that what they started girl Trek to talk

0:12:25.600 --> 0:12:29.319
<v Speaker 1>about health, but what they found found what it really

0:12:29.400 --> 0:12:32.679
<v Speaker 1>was a cure for loneliness that sometimes as an adult,

0:12:33.320 --> 0:12:35.560
<v Speaker 1>you know it's hard to make new friends, or maybe

0:12:35.559 --> 0:12:37.959
<v Speaker 1>you've moved to a new area, or just maybe you've

0:12:38.040 --> 0:12:39.800
<v Speaker 1>just like you know, you're and your friends just don't

0:12:39.800 --> 0:12:42.360
<v Speaker 1>connected like you used to. And she found that women

0:12:42.440 --> 0:12:45.520
<v Speaker 1>were coming out and just really getting to know other women.

0:12:46.240 --> 0:12:48.040
<v Speaker 1>And then let's just say you've been on a walk

0:12:48.520 --> 0:12:50.160
<v Speaker 1>three or four times and you don't make the fifth

0:12:50.160 --> 0:12:53.000
<v Speaker 1>of sixth to seventh one, like your your your your

0:12:53.040 --> 0:12:56.320
<v Speaker 1>local walk, you know, liaison whatever, they check in on you,

0:12:56.360 --> 0:12:58.640
<v Speaker 1>like maybe where you been girl? You okay, like you

0:12:58.640 --> 0:12:59.959
<v Speaker 1>haven't been for a walk. No, I don't feel like,

0:13:00.040 --> 0:13:01.679
<v Speaker 1>well we're gonna come get you. No, no, but now

0:13:01.679 --> 0:13:04.160
<v Speaker 1>now we'll be we're here outside, come outside, like and

0:13:04.200 --> 0:13:05.760
<v Speaker 1>I just love that. She was just like that they

0:13:05.840 --> 0:13:09.280
<v Speaker 1>found that because health is not just about I want

0:13:09.280 --> 0:13:12.440
<v Speaker 1>to get snatched or whatever, like health is mental and

0:13:12.480 --> 0:13:14.600
<v Speaker 1>emotional help. And she said that it was just like

0:13:14.640 --> 0:13:18.640
<v Speaker 1>that's an awesome side effect to like walking with others,

0:13:18.679 --> 0:13:22.679
<v Speaker 1>that it wasn't just that you were getting healthy physically,

0:13:23.080 --> 0:13:26.800
<v Speaker 1>but like it was really mentally and emotionally helping to support.

0:13:26.840 --> 0:13:31.080
<v Speaker 1>And some walks actually walk and pick up trash. Some

0:13:31.080 --> 0:13:33.679
<v Speaker 1>some walk and take pictures, so they're like people are

0:13:33.760 --> 0:13:36.880
<v Speaker 1>using their walks for like like you know, like multitasking

0:13:36.880 --> 0:13:38.280
<v Speaker 1>on their walk and just making the most I just

0:13:38.280 --> 0:13:40.679
<v Speaker 1>thought that that was just really amazing adope or sometimes

0:13:40.760 --> 0:13:44.840
<v Speaker 1>they'll walk and do volunteer work, and so I just honestly,

0:13:44.880 --> 0:13:46.560
<v Speaker 1>I just can't say enough about girl Track and what

0:13:46.640 --> 0:13:48.959
<v Speaker 1>an awesome dope organization. And like I said, if you

0:13:49.000 --> 0:13:52.400
<v Speaker 1>want to learn more, it's girl trek dot com and

0:13:52.400 --> 0:13:53.080
<v Speaker 1>they're amazing.

0:13:54.120 --> 0:13:56.679
<v Speaker 2>Yeah, I mean, we've gotten questions from Remember there was

0:13:56.720 --> 0:13:58.640
<v Speaker 2>a listener who had a question about being lonely, like

0:13:58.640 --> 0:14:00.960
<v Speaker 2>how do you make friends and your late thirties or forties.

0:14:01.360 --> 0:14:04.600
<v Speaker 2>It's something that people don't talk enough about. And having

0:14:04.720 --> 0:14:07.360
<v Speaker 2>just moved away from the city to I live like

0:14:07.400 --> 0:14:09.720
<v Speaker 2>thirty minutes away from Manhattan now, where a lot of

0:14:09.760 --> 0:14:12.199
<v Speaker 2>my friends live, and you know, a lot also our

0:14:12.240 --> 0:14:14.320
<v Speaker 2>friend now I'm in my thirties, our friends are also

0:14:14.400 --> 0:14:18.920
<v Speaker 2>moving on to suburbs or different places. And I've definitely

0:14:18.920 --> 0:14:21.160
<v Speaker 2>had weekends where I'm just like, do I have friends?

0:14:21.720 --> 0:14:24.080
<v Speaker 2>Where are my people? I'm so lonely. I have nothing

0:14:24.120 --> 0:14:26.720
<v Speaker 2>to do, nowhere to go, no one to see, and

0:14:26.760 --> 0:14:31.600
<v Speaker 2>it can be really isolating. And I'm actually I am worried.

0:14:31.680 --> 0:14:33.680
<v Speaker 2>I'm trying not to focus on the negative so much,

0:14:33.680 --> 0:14:36.960
<v Speaker 2>but I am worried because I'm doing the wintertime, there's already,

0:14:37.040 --> 0:14:39.240
<v Speaker 2>you know, just to do stuff in my area. I

0:14:39.240 --> 0:14:41.480
<v Speaker 2>got to get in a car and go somewhere, and

0:14:41.560 --> 0:14:43.520
<v Speaker 2>I'm worried, like, what's going to happen when I had

0:14:43.520 --> 0:14:45.160
<v Speaker 2>this baby in the middle of winter and It's going

0:14:45.240 --> 0:14:47.240
<v Speaker 2>to be dark at four pm and I'm going to

0:14:47.280 --> 0:14:49.360
<v Speaker 2>be alone and I'm going to be going nuts and

0:14:49.400 --> 0:14:52.600
<v Speaker 2>I'm trying. And I actually posted on this mom's group.

0:14:52.640 --> 0:14:56.240
<v Speaker 2>There's all these moms of whatever town facebook groups like

0:14:56.520 --> 0:14:59.560
<v Speaker 2>I'm sure you have a bunch wherever you guys lived,

0:15:00.040 --> 0:15:02.560
<v Speaker 2>and recommended I just like, join this moms of my

0:15:02.640 --> 0:15:05.800
<v Speaker 2>town's Facebook group. And I got in and I woke

0:15:05.880 --> 0:15:07.720
<v Speaker 2>up as I do, at like two am in the morning,

0:15:08.080 --> 0:15:09.800
<v Speaker 2>you know, because I had to pee, of course, and

0:15:10.760 --> 0:15:12.480
<v Speaker 2>then I'm scrolling and I was like, let me post

0:15:12.520 --> 0:15:14.600
<v Speaker 2>something because I was just feeling I was like, I

0:15:14.600 --> 0:15:16.640
<v Speaker 2>need to ask this of people in my area. So

0:15:16.680 --> 0:15:18.680
<v Speaker 2>I asked in the group, I just have to comment saying,

0:15:19.200 --> 0:15:21.360
<v Speaker 2>you know, for moms who've had babies in this area

0:15:21.400 --> 0:15:22.960
<v Speaker 2>in the wintertime, what did you do so you didn't

0:15:22.960 --> 0:15:24.600
<v Speaker 2>feel so isolated? Am I even?

0:15:24.800 --> 0:15:24.920
<v Speaker 1>Like?

0:15:24.960 --> 0:15:27.080
<v Speaker 2>Am I crazy for even thinking that I'll want to

0:15:27.080 --> 0:15:29.360
<v Speaker 2>be able to leave the house with a newborn, and

0:15:29.960 --> 0:15:32.040
<v Speaker 2>I forgot about it because it was two am and

0:15:32.120 --> 0:15:34.480
<v Speaker 2>I was delirious. And then a few days later I

0:15:34.520 --> 0:15:37.400
<v Speaker 2>signed in to Facebook and I had like a flood

0:15:37.440 --> 0:15:41.400
<v Speaker 2>of responses from women who who had like winter babies,

0:15:41.400 --> 0:15:42.600
<v Speaker 2>and they were like, yes, you have to get out

0:15:42.600 --> 0:15:44.720
<v Speaker 2>of the house, you have to talk. There's like walking

0:15:44.720 --> 0:15:47.840
<v Speaker 2>groups at the mall, and there's ei, there's newborn yoga,

0:15:47.920 --> 0:15:51.320
<v Speaker 2>and made me feel not.

0:15:50.560 --> 0:15:53.680
<v Speaker 1>Not alone, because you're not, honestly, And that's why I

0:15:53.760 --> 0:15:55.680
<v Speaker 1>just think, to me, whether it's girl check or whatever, like,

0:15:55.920 --> 0:15:57.960
<v Speaker 1>it doesn't obviously have to be this, but it's just

0:15:58.080 --> 0:16:00.400
<v Speaker 1>I think just in general, it's just import and that

0:16:01.200 --> 0:16:03.680
<v Speaker 1>that you you know, that people connect with other people.

0:16:03.720 --> 0:16:06.120
<v Speaker 1>There was like this study where they found like this

0:16:06.200 --> 0:16:10.840
<v Speaker 1>small little this small little town in Italy where it

0:16:10.880 --> 0:16:13.120
<v Speaker 1>was either they had no incidents of cancer. I don't

0:16:13.120 --> 0:16:15.120
<v Speaker 1>think it was cancer. I think it was no heart

0:16:15.160 --> 0:16:17.560
<v Speaker 1>attacks or strokes, and they were trying to figure out

0:16:17.640 --> 0:16:20.600
<v Speaker 1>how or why was it diet, was it excesense? Was

0:16:20.600 --> 0:16:23.040
<v Speaker 1>it this was that it wasn't that at all that

0:16:23.200 --> 0:16:27.880
<v Speaker 1>this small little town that people visit each other every

0:16:27.920 --> 0:16:30.880
<v Speaker 1>single day, like they checked it on everyone and they

0:16:30.920 --> 0:16:34.280
<v Speaker 1>found that when you are in community with others, like

0:16:34.320 --> 0:16:38.360
<v Speaker 1>the health benefits cannot be I mean, there's just just

0:16:38.400 --> 0:16:41.160
<v Speaker 1>the health benefits are just extreme. Like even if you

0:16:41.200 --> 0:16:44.000
<v Speaker 1>know you have this big Italian diet of like sauces

0:16:44.040 --> 0:16:45.840
<v Speaker 1>and riches and butter and all that kind of stuff,

0:16:45.960 --> 0:16:49.440
<v Speaker 1>you know, like despite all of that, that those things

0:16:49.480 --> 0:16:52.800
<v Speaker 1>can be offset with just being in community with others.

0:16:52.960 --> 0:16:54.880
<v Speaker 1>So I just think that that's such an important thing.

0:16:55.400 --> 0:16:57.800
<v Speaker 1>And I'm just glad that you got you know, your response,

0:16:57.880 --> 0:17:00.400
<v Speaker 1>and just for anyone listening, because it is if you

0:17:00.440 --> 0:17:03.760
<v Speaker 1>move someone new somewhere new just know like either you

0:17:03.800 --> 0:17:05.880
<v Speaker 1>know whether it's girl track or you just hit Facebook

0:17:06.000 --> 0:17:09.040
<v Speaker 1>up and just type in maybe something that you enjoy,

0:17:09.160 --> 0:17:12.720
<v Speaker 1>like moms that travel or traveling, like Newark has a

0:17:12.760 --> 0:17:15.359
<v Speaker 1>Newark Mom's group. I know that, or like I know,

0:17:15.400 --> 0:17:17.919
<v Speaker 1>I'm part of No Madness, which is like a brown

0:17:18.119 --> 0:17:20.040
<v Speaker 1>black well it's not just girls, but like a brown

0:17:20.080 --> 0:17:23.320
<v Speaker 1>black traveling group where like you know someone I remember

0:17:23.359 --> 0:17:25.440
<v Speaker 1>when I was first starting to travel. I I joined

0:17:25.440 --> 0:17:27.440
<v Speaker 1>it cause I was traveling alone mostly and I would

0:17:27.640 --> 0:17:29.560
<v Speaker 1>they call it throwing up the back signal. I would

0:17:29.600 --> 0:17:32.719
<v Speaker 1>throw up the back signal and no madness. And I remember,

0:17:32.920 --> 0:17:34.880
<v Speaker 1>like I went to San Francisco for the first time

0:17:34.920 --> 0:17:37.359
<v Speaker 1>and I went by myself and like three women were like, oh,

0:17:37.400 --> 0:17:40.040
<v Speaker 1>I live here, and they took me around. Was a

0:17:40.119 --> 0:17:42.520
<v Speaker 1>jazz singer. It was like, here's tickets to my jazz

0:17:42.520 --> 0:17:44.720
<v Speaker 1>show tonight. So I went and one woman was like,

0:17:44.720 --> 0:17:46.840
<v Speaker 1>this is my favorite restaurant. She took me. It was

0:17:46.880 --> 0:17:49.120
<v Speaker 1>just awesome. And so I just encourage people that you're

0:17:49.720 --> 0:17:53.240
<v Speaker 1>you know that if you feel alone to reach out

0:17:53.400 --> 0:17:58.000
<v Speaker 1>and social media, there's a social component to media, to

0:17:58.080 --> 0:18:01.240
<v Speaker 1>social media that you can really lean into. And I'm

0:18:01.240 --> 0:18:02.520
<v Speaker 1>just glad that you did. That's awesome.

0:18:03.400 --> 0:18:07.000
<v Speaker 2>Yeah, well my weekend. You know, I won't bore you guys,

0:18:07.119 --> 0:18:09.640
<v Speaker 2>but I don't want to like and I certainly don't

0:18:09.640 --> 0:18:12.160
<v Speaker 2>want to overshadow what you did. But I did watch

0:18:12.280 --> 0:18:15.520
<v Speaker 2>all eight episodes of that new Styling in Hollywood show

0:18:15.560 --> 0:18:18.800
<v Speaker 2>on Netflix with the guys who style like Taraji p

0:18:18.920 --> 0:18:21.119
<v Speaker 2>Henson and like a lot of black actors in Holiday

0:18:21.200 --> 0:18:23.800
<v Speaker 2>is so good. I was gonna say, isn't it It's

0:18:23.840 --> 0:18:25.840
<v Speaker 2>so good? Yeah, it's great. Well, one, it's like a

0:18:25.880 --> 0:18:29.560
<v Speaker 2>black gay couple, black male gay couple, and their business

0:18:29.600 --> 0:18:33.800
<v Speaker 2>is part styling Hollywood, part interior designing for Hollywood, and

0:18:33.840 --> 0:18:36.760
<v Speaker 2>so they're like designing homes for like Gabrielle Union and

0:18:36.840 --> 0:18:41.520
<v Speaker 2>Doula Hill and obviously, yeah, obviously like styling people like

0:18:41.560 --> 0:18:45.240
<v Speaker 2>Taraji p Henson and Ava Duverne. It's it's good quality

0:18:45.440 --> 0:18:47.800
<v Speaker 2>half hour television if you guys are looking for something

0:18:47.840 --> 0:18:51.280
<v Speaker 2>to fill your mornings with. So that's that's what I did.

0:18:51.320 --> 0:18:54.280
<v Speaker 2>And you know, I hope that inspired you guys to

0:18:54.359 --> 0:18:58.600
<v Speaker 2>stay connected with people, and you know, just like Tiffany's weekended,

0:18:59.119 --> 0:19:00.560
<v Speaker 2>I felt very connected to my couch.

0:19:01.240 --> 0:19:03.360
<v Speaker 1>No, honestly, I saw I forget. I think I saw

0:19:03.440 --> 0:19:05.639
<v Speaker 1>like something on Instagram about it, and I was like,

0:19:05.760 --> 0:19:08.399
<v Speaker 1>wait a minute, this looks so good. I cannot wait. Oh,

0:19:08.400 --> 0:19:09.480
<v Speaker 1>I'm glass it was good.

0:19:11.080 --> 0:19:13.959
<v Speaker 2>Highly recommend, highly recommend. Well, I'm so glad you had

0:19:13.960 --> 0:19:15.680
<v Speaker 2>a good time. Girl check. I'm gonna check it out too.

0:19:16.280 --> 0:19:55.080
<v Speaker 3>Okay, So now it's time for questions.

0:19:56.320 --> 0:19:58.240
<v Speaker 1>I know we always have really great questions. I'm always

0:19:58.240 --> 0:20:01.240
<v Speaker 1>excited when it times question because you guys make me

0:20:01.280 --> 0:20:01.800
<v Speaker 1>stretch and.

0:20:01.760 --> 0:20:06.560
<v Speaker 2>Think like, yeah, so let me go to the reader

0:20:07.119 --> 0:20:09.159
<v Speaker 2>mail bags again. You guys can hit us up at

0:20:09.160 --> 0:20:12.280
<v Speaker 2>Brandambission Podcasts at gmail dot com with your questions. We're

0:20:12.320 --> 0:20:16.320
<v Speaker 2>also on Instagram at brand Ambisson Podcast, or you can

0:20:16.359 --> 0:20:19.919
<v Speaker 2>go directly to our website Brandnambisson podcast dot com and

0:20:20.000 --> 0:20:22.560
<v Speaker 2>click ask us anything to shoot us a question.

0:20:22.960 --> 0:20:26.360
<v Speaker 1>All right, so we have a question, and guess what, guys,

0:20:26.400 --> 0:20:30.600
<v Speaker 1>I'm gonna read it because I can read. So Hey, ladies, firstly,

0:20:30.760 --> 0:20:34.000
<v Speaker 1>I just love you. And she's thirty years old, she's

0:20:34.000 --> 0:20:37.160
<v Speaker 1>a CPA. She's living in Europe with her boyfriend. She says, you, ladies,

0:20:37.160 --> 0:20:39.720
<v Speaker 1>continue to feed my passion for personal finance. Woop woop.

0:20:40.119 --> 0:20:43.040
<v Speaker 1>My dilemma is dirt as great as I am at

0:20:43.080 --> 0:20:46.199
<v Speaker 1>reading and listening in about personal finance, I still have

0:20:46.320 --> 0:20:49.400
<v Speaker 1>about twelve thousand dollars of credit card debt that I'm

0:20:49.400 --> 0:20:52.200
<v Speaker 1>working to pay off. So she just got a bonus

0:20:52.240 --> 0:20:55.800
<v Speaker 1>at work for nine thousand dollars. Great, and she'd like

0:20:55.840 --> 0:20:58.560
<v Speaker 1>to use it all toward her debt. However, that's not

0:20:58.680 --> 0:21:01.480
<v Speaker 1>enough to cover the full balance. She participates in her

0:21:01.480 --> 0:21:04.800
<v Speaker 1>company stock plan where they get shares at a discounted rate,

0:21:05.119 --> 0:21:06.800
<v Speaker 1>and she has some long term shares that she liked

0:21:06.800 --> 0:21:09.240
<v Speaker 1>to trade in for cash and use toward the rest

0:21:09.280 --> 0:21:13.080
<v Speaker 1>of the debt balance. That's three thousand dollars because obviously

0:21:13.320 --> 0:21:16.639
<v Speaker 1>nine thousand dollars bonus three thousand dollars from cashing in

0:21:16.680 --> 0:21:18.879
<v Speaker 1>her stock, she'd liked to know if this is the

0:21:18.920 --> 0:21:22.120
<v Speaker 1>best brute to go. She knows that she will owe

0:21:22.119 --> 0:21:26.720
<v Speaker 1>taxes on the stock sale, but the capital tax will

0:21:26.760 --> 0:21:29.280
<v Speaker 1>be lower since she held the stock for more than

0:21:29.280 --> 0:21:32.520
<v Speaker 1>a year, and taxes will be lower than the nineteen

0:21:32.560 --> 0:21:37.440
<v Speaker 1>percent APR being charged on her credit cards, so her

0:21:37.560 --> 0:21:40.119
<v Speaker 1>capital gain SAX, meaning whatever you sell stock, you have

0:21:40.200 --> 0:21:44.000
<v Speaker 1>to pay taxes on the earnings, basically the gains. And

0:21:44.359 --> 0:21:47.320
<v Speaker 1>right now, her interest rate on her credit card is

0:21:47.440 --> 0:21:51.639
<v Speaker 1>nineteen percent, which is kind of high, and she doesn't

0:21:51.680 --> 0:21:54.320
<v Speaker 1>have much savings right now, so she's hesitant to throw

0:21:54.400 --> 0:21:56.200
<v Speaker 1>all the money at her debt. But if she can

0:21:56.280 --> 0:21:58.880
<v Speaker 1>eliminate the credit card debt payments, she can save more

0:21:58.920 --> 0:22:02.160
<v Speaker 1>freely and is appreciated. Thank you.

0:22:02.440 --> 0:22:04.919
<v Speaker 2>Did I say her name, Jessica?

0:22:05.280 --> 0:22:07.119
<v Speaker 1>Yeah? I was sure, Yeah, but I was sure if

0:22:07.160 --> 0:22:08.240
<v Speaker 1>she wanted to be the same. But I feel like

0:22:08.280 --> 0:22:10.000
<v Speaker 1>that's not a This is not like a you know,

0:22:10.920 --> 0:22:14.960
<v Speaker 1>I don't know, like some crazy question. Thank you, Jessica. Okay, Jessica,

0:22:15.160 --> 0:22:18.840
<v Speaker 1>what's your European boyfriend while living in Europe with her boyfriend.

0:22:19.840 --> 0:22:21.359
<v Speaker 1>So do you want to start Mandra?

0:22:21.760 --> 0:22:23.879
<v Speaker 2>So the key question here is she's got twelve thousand

0:22:23.880 --> 0:22:27.119
<v Speaker 2>dollars of credit card debt. She has nine thousand dollars

0:22:27.119 --> 0:22:29.320
<v Speaker 2>coming from a bonus, but it's not even going to

0:22:29.359 --> 0:22:31.480
<v Speaker 2>be enough to cover the full balance. So she wants

0:22:31.520 --> 0:22:36.359
<v Speaker 2>to sell three thousand dollars worth of stock to pay

0:22:36.400 --> 0:22:38.280
<v Speaker 2>off her credit card. Is that a good idea?

0:22:38.480 --> 0:22:38.800
<v Speaker 1>Yes?

0:22:40.400 --> 0:22:42.000
<v Speaker 2>I mean I can't fault her.

0:22:42.680 --> 0:22:44.480
<v Speaker 1>I knew it because you know me. I know you

0:22:44.560 --> 0:22:46.720
<v Speaker 1>many like I can't.

0:22:46.400 --> 0:22:48.880
<v Speaker 2>Fault her logic. I can't fault her lodge. I'm very

0:22:48.880 --> 0:22:52.720
<v Speaker 2>debt averse. Yes, I'm sure that three thousand dollars. You know,

0:22:52.760 --> 0:22:54.800
<v Speaker 2>there's a chance it could make more than nineteen percent

0:22:54.800 --> 0:22:57.720
<v Speaker 2>in the market, but over the next thirty years probably

0:22:57.760 --> 0:23:00.080
<v Speaker 2>not on average, like probably looking more like seven and

0:23:00.200 --> 0:23:04.080
<v Speaker 2>eight percent. And honestly, if it's keeping you up at night,

0:23:04.320 --> 0:23:06.879
<v Speaker 2>I have done this before. I have had RSUs vest

0:23:07.280 --> 0:23:09.119
<v Speaker 2>at a company, and I've used a chunk of it

0:23:09.160 --> 0:23:13.359
<v Speaker 2>to pay off credit card debt. Just to one fell swoop.

0:23:13.400 --> 0:23:15.840
<v Speaker 2>Just get rid of it and feel better. And if

0:23:15.840 --> 0:23:18.239
<v Speaker 2>that makes you feel better, I say, go for it,

0:23:18.280 --> 0:23:21.080
<v Speaker 2>and it doesn't sound like you're completely trading in all

0:23:21.160 --> 0:23:24.040
<v Speaker 2>the equity that you have access to at your job,

0:23:24.480 --> 0:23:27.760
<v Speaker 2>so why not and plus those you know, I think

0:23:27.800 --> 0:23:32.320
<v Speaker 2>when employer gives you shares or RSUs or whatever stock

0:23:32.359 --> 0:23:34.520
<v Speaker 2>buying options, like if they give you that you know

0:23:34.560 --> 0:23:39.560
<v Speaker 2>you can, that's another type of bonus and being one

0:23:39.640 --> 0:23:42.480
<v Speaker 2>hundred percent. Like for some people who have jobs where

0:23:42.480 --> 0:23:44.920
<v Speaker 2>they get equity or they get bonus or they get

0:23:44.960 --> 0:23:47.960
<v Speaker 2>some kind of equity grant from their employer, if that's

0:23:47.720 --> 0:23:50.920
<v Speaker 2>their only money, you know, being invested, it's a little

0:23:51.040 --> 0:23:53.280
<v Speaker 2>to me, it's a little dangerous because you're sort of

0:23:53.320 --> 0:23:55.639
<v Speaker 2>like tying up all your earning, all your wealth in

0:23:55.680 --> 0:23:58.120
<v Speaker 2>one company. Like not only did they give you your paycheck,

0:23:58.520 --> 0:24:01.760
<v Speaker 2>but you're also also your investments are tied up with

0:24:01.800 --> 0:24:04.600
<v Speaker 2>them too. So if you're lucky enough to be granted

0:24:04.640 --> 0:24:07.840
<v Speaker 2>stock and it you know, invests or you have access

0:24:07.880 --> 0:24:11.919
<v Speaker 2>to it, I generally think go ahead and either diversify,

0:24:12.080 --> 0:24:14.320
<v Speaker 2>you know, sell it, get rid of it, you know,

0:24:14.400 --> 0:24:15.960
<v Speaker 2>use it to pay off debt if you have it,

0:24:16.240 --> 0:24:19.400
<v Speaker 2>or you know, diversify it into other investments so you're

0:24:19.400 --> 0:24:22.160
<v Speaker 2>not you know, tied up with just that one company.

0:24:22.800 --> 0:24:23.520
<v Speaker 2>But that's just me.

0:24:24.640 --> 0:24:28.480
<v Speaker 1>That's what I feel like. My concern is not so

0:24:28.600 --> 0:24:30.600
<v Speaker 1>much like you know, like catching your stock or whatever.

0:24:31.119 --> 0:24:37.360
<v Speaker 1>My concern is that the nine plus the three you

0:24:37.400 --> 0:24:39.679
<v Speaker 1>basically like you're letting. I mean, I'm if I'm not

0:24:39.720 --> 0:24:42.359
<v Speaker 1>reading like it correctly, but I'm pretty much this means

0:24:42.400 --> 0:24:46.080
<v Speaker 1>you have no savings, right that that would be My

0:24:46.119 --> 0:24:49.080
<v Speaker 1>biggest concern is that you because I always say this

0:24:49.240 --> 0:24:52.200
<v Speaker 1>that no savings and no debt is debt. I'll say

0:24:52.240 --> 0:24:56.119
<v Speaker 1>it again, no savings and no debt is debt because

0:24:56.160 --> 0:24:59.520
<v Speaker 1>if you have no savings whatsoever, you know you you've

0:24:59.560 --> 0:25:01.560
<v Speaker 1>ditched it all. You put it all towards debt. You're like, ooh,

0:25:01.600 --> 0:25:04.760
<v Speaker 1>I'm debt free. Then the car breaks down. How are

0:25:04.720 --> 0:25:07.199
<v Speaker 1>you finn to fix the car? You're gonna flip your

0:25:07.200 --> 0:25:10.280
<v Speaker 1>guard because you're gonna get right back in debt because

0:25:10.280 --> 0:25:13.280
<v Speaker 1>as an adult, unexpected expenses happen. So that's my biggest

0:25:13.280 --> 0:25:17.239
<v Speaker 1>concern with this is that I think that you know,

0:25:17.400 --> 0:25:20.159
<v Speaker 1>using definitely some of this money toward the debt, and

0:25:20.200 --> 0:25:21.760
<v Speaker 1>even if you want to use the majority of it,

0:25:22.119 --> 0:25:25.040
<v Speaker 1>but I just encourage you to like leave yourself a

0:25:25.080 --> 0:25:29.000
<v Speaker 1>little bit of savings for cushion because as an adult,

0:25:29.000 --> 0:25:31.240
<v Speaker 1>things happen, and I would hate for you to pay

0:25:31.280 --> 0:25:33.000
<v Speaker 1>off this debt only to have to swipe the card

0:25:33.040 --> 0:25:36.639
<v Speaker 1>again because something happened unexpectedly. So that's probably just like

0:25:36.680 --> 0:25:39.320
<v Speaker 1>my little two cents is that, you know, leaving yourself

0:25:39.320 --> 0:25:42.880
<v Speaker 1>with absolutely no savings. It's just something because I'm debt

0:25:42.880 --> 0:25:46.560
<v Speaker 1>at versus as well. But you know, I'm also someone

0:25:46.600 --> 0:25:48.399
<v Speaker 1>who is like yany so something happens, at least want

0:25:48.400 --> 0:25:50.320
<v Speaker 1>a few thousand dollars in the bank to be able

0:25:50.359 --> 0:25:54.240
<v Speaker 1>to manage some like, you know, some minor to slightly

0:25:54.560 --> 0:25:56.000
<v Speaker 1>major emergency.

0:25:56.600 --> 0:25:58.400
<v Speaker 2>No, I think you're absolutely right. That's a great point

0:25:58.480 --> 0:25:58.760
<v Speaker 2>to make.

0:25:59.400 --> 0:26:02.400
<v Speaker 1>Thanks for bringing me back because I get it, because

0:26:02.400 --> 0:26:04.959
<v Speaker 1>I mean, honestly, Mandy and I are so. I mean,

0:26:05.000 --> 0:26:07.119
<v Speaker 1>I'm someone who brought my house in cash, okay, in

0:26:07.359 --> 0:26:09.520
<v Speaker 1>cash why And I'm not gonna lie when I look

0:26:09.560 --> 0:26:12.520
<v Speaker 1>back on it, it probably wasn't the best financial like financially

0:26:12.560 --> 0:26:16.320
<v Speaker 1>financial well, I vacillate back and forth whether it was

0:26:16.640 --> 0:26:18.720
<v Speaker 1>like the best use of our money. I mean, it

0:26:18.800 --> 0:26:21.320
<v Speaker 1>wasn't all of our money, but still, but it's because

0:26:21.359 --> 0:26:23.359
<v Speaker 1>I'm not gonna lie, I too am dead at verse

0:26:23.600 --> 0:26:25.360
<v Speaker 1>and so sometimes I try to take a step back

0:26:25.400 --> 0:26:28.240
<v Speaker 1>and say, Tiffany, it's just the wisest choice. I mean,

0:26:28.320 --> 0:26:31.600
<v Speaker 1>I'm glad that we did because I'm mentally and emotionally

0:26:32.160 --> 0:26:37.240
<v Speaker 1>having my first house lost to foreclosure was traumatizing. So

0:26:37.600 --> 0:26:39.400
<v Speaker 1>I was like, what you're not gonna do is take

0:26:39.440 --> 0:26:42.639
<v Speaker 1>this house. So I understood why I made that choice,

0:26:42.640 --> 0:26:44.040
<v Speaker 1>and I'm not you know, I'm glad that we did

0:26:44.040 --> 0:26:46.000
<v Speaker 1>because also it was a foreclosure and we got a

0:26:46.040 --> 0:26:48.080
<v Speaker 1>half off, so either way it was still a good investment.

0:26:48.400 --> 0:26:53.640
<v Speaker 1>But still sometimes I navigate too heavily on the debt

0:26:53.680 --> 0:26:58.320
<v Speaker 1>averse side, and I'm like, it's it's not it's not helpful.

0:26:58.560 --> 0:27:03.159
<v Speaker 1>It's like the law of diminishings. So sometimes you know,

0:27:03.240 --> 0:27:04.880
<v Speaker 1>you do something over and over and over and again,

0:27:04.880 --> 0:27:07.000
<v Speaker 1>which is something good, like pay off that pay off

0:27:07.119 --> 0:27:09.639
<v Speaker 1>that payoff debt, but at some point you reach a

0:27:09.760 --> 0:27:13.720
<v Speaker 1>block where anymore paying off of this debt in this

0:27:13.760 --> 0:27:19.520
<v Speaker 1>way actually actually brings back diminishing returns, meaning actually is detrimental.

0:27:19.800 --> 0:27:23.400
<v Speaker 1>It's like drinking water is great until you drink too

0:27:23.440 --> 0:27:25.840
<v Speaker 1>much water, and then actually you are drowning your body

0:27:25.840 --> 0:27:28.879
<v Speaker 1>from the inside. So, like any good thing can be

0:27:28.920 --> 0:27:31.639
<v Speaker 1>turned into a bad thing if if you overdo it,

0:27:31.600 --> 0:27:33.520
<v Speaker 1>It's what I'm saying. So I just don't want that

0:27:33.520 --> 0:27:35.800
<v Speaker 1>for you because I know it's something that I struggle with.

0:27:36.000 --> 0:27:38.600
<v Speaker 1>I still struggle with because, like I really look at

0:27:38.640 --> 0:27:40.000
<v Speaker 1>I'm like, did we really have to pay for like

0:27:40.000 --> 0:27:42.800
<v Speaker 1>the six figure renovation of the house in cash? Because

0:27:42.840 --> 0:27:44.960
<v Speaker 1>I'm like, Dad gone to Tiffany. You could have put

0:27:44.960 --> 0:27:47.040
<v Speaker 1>it and grown it, and then you know, I just

0:27:47.720 --> 0:27:50.919
<v Speaker 1>I'm trying to like I'm trying to be a reformed

0:27:52.160 --> 0:27:55.320
<v Speaker 1>anti detaholic, And like I said, I know that is

0:27:55.359 --> 0:27:59.200
<v Speaker 1>not a good thing, but sometimes you can put money

0:27:59.200 --> 0:28:02.199
<v Speaker 1>toward things that can and grow, then you can actually

0:28:02.240 --> 0:28:04.679
<v Speaker 1>be more effective in attackling that debt and still have

0:28:04.720 --> 0:28:06.840
<v Speaker 1>money left over. And so I'm just giving you the

0:28:06.840 --> 0:28:08.679
<v Speaker 1>advice that I wish somebody you know would give me

0:28:08.720 --> 0:28:12.080
<v Speaker 1>some time. So just go, huh so.

0:28:12.080 --> 0:28:15.080
<v Speaker 2>With that nine k, like how much you know, maybe

0:28:15.119 --> 0:28:18.000
<v Speaker 2>save like put a thousand, you know in your emergency

0:28:18.000 --> 0:28:20.159
<v Speaker 2>fund or something like that. That seems like a decent

0:28:20.160 --> 0:28:23.600
<v Speaker 2>cushion to start with. And then if you were to

0:28:23.640 --> 0:28:26.160
<v Speaker 2>pay the whole credit card off that full twelve k,

0:28:26.720 --> 0:28:28.920
<v Speaker 2>then it just you just have to like change your

0:28:28.960 --> 0:28:30.760
<v Speaker 2>habits to get to a place where you're not you're

0:28:30.760 --> 0:28:32.760
<v Speaker 2>not going to be going back into debt, and that

0:28:32.800 --> 0:28:35.000
<v Speaker 2>you'll be able and that you have some like, you know,

0:28:35.080 --> 0:28:38.720
<v Speaker 2>start actively paying down whatever is left because you didn't

0:28:38.840 --> 0:28:41.680
<v Speaker 2>cash out your entire bonus to pay it off, like

0:28:41.760 --> 0:28:43.880
<v Speaker 2>actively pay off and make that you're a new priority

0:28:44.720 --> 0:28:47.720
<v Speaker 2>so that you're not in the same you know, situation later.

0:28:48.560 --> 0:28:52.240
<v Speaker 1>Yeah. So yeah, because I mean, yeah, because that too,

0:28:52.360 --> 0:28:54.800
<v Speaker 1>because it's like that twelve thousand dollars that didn't come

0:28:54.840 --> 0:28:57.840
<v Speaker 1>from nowhere, and so that's just a concern that like, okay,

0:28:58.480 --> 0:29:00.000
<v Speaker 1>you might slip back into it, and now you don't

0:29:00.000 --> 0:29:03.800
<v Speaker 1>don't have any fallback of like to grab money from

0:29:03.800 --> 0:29:06.240
<v Speaker 1>someplace because you've used your whole bonus toward this. But

0:29:06.800 --> 0:29:09.160
<v Speaker 1>I mean, all in all, you seem like you're in

0:29:09.200 --> 0:29:13.240
<v Speaker 1>a good position. Just don't overextend yourself with getting rid

0:29:13.280 --> 0:29:14.760
<v Speaker 1>of all of your savings.

0:29:16.120 --> 0:29:19.280
<v Speaker 2>And thanks for your question, Jessica. Yeah, can we do

0:29:19.360 --> 0:29:20.959
<v Speaker 2>one more. We have a little bit of time, we

0:29:20.960 --> 0:29:26.360
<v Speaker 2>shull care. Okay, Then this one comes from the gram

0:29:26.560 --> 0:29:29.040
<v Speaker 2>where did it go? I just think this one's kind

0:29:29.040 --> 0:29:32.120
<v Speaker 2>of funny. So this is from all Hail Queen Bee

0:29:32.480 --> 0:29:35.440
<v Speaker 2>on Instagram. She says, I have a question on behalf

0:29:35.480 --> 0:29:38.360
<v Speaker 2>of a friend. This friend has a remote job that

0:29:38.400 --> 0:29:41.080
<v Speaker 2>pays a little over eighty thousand dollars, and she decided

0:29:41.080 --> 0:29:43.840
<v Speaker 2>to pack her bags and leave California to go where

0:29:43.880 --> 0:29:46.680
<v Speaker 2>her money goes further. She decided to buy a home

0:29:46.720 --> 0:29:49.800
<v Speaker 2>in Atlanta, but she's a little afraid with the recession looming,

0:29:49.800 --> 0:29:52.840
<v Speaker 2>and she's wondering, is now the right time to buy

0:29:53.240 --> 0:29:57.600
<v Speaker 2>a home? What of atl Everyone's going to atl right now?

0:29:57.680 --> 0:29:59.640
<v Speaker 1>Yes they are. They happened for them for the last

0:29:59.680 --> 0:30:02.400
<v Speaker 1>few years. So yeah, it's the Black Mecca.

0:30:02.800 --> 0:30:06.240
<v Speaker 2>I know I left too soon, so good. Interesting question,

0:30:06.320 --> 0:30:09.000
<v Speaker 2>I mean one, I think if you have no kids,

0:30:09.040 --> 0:30:11.560
<v Speaker 2>no family, no ties, like I don't know, especially because

0:30:11.600 --> 0:30:14.400
<v Speaker 2>you can work like anywhere now and like everyone should

0:30:14.400 --> 0:30:15.800
<v Speaker 2>just move to a place with a low cost of

0:30:15.800 --> 0:30:18.840
<v Speaker 2>living because then you're instantly creating where wealth for yourself.

0:30:18.840 --> 0:30:21.640
<v Speaker 2>So I think that's really smart. Does she need to

0:30:21.680 --> 0:30:24.920
<v Speaker 2>buy a home right off the bat? I don't know

0:30:24.960 --> 0:30:25.520
<v Speaker 2>about all that?

0:30:26.080 --> 0:30:27.720
<v Speaker 1>Is she where's she moving from? Does she say? Again?

0:30:27.760 --> 0:30:30.800
<v Speaker 2>From California to Atlanta, Georgia.

0:30:31.320 --> 0:30:33.680
<v Speaker 1>Oh yeah, child, that's gonna be much lower.

0:30:33.800 --> 0:30:35.440
<v Speaker 2>So eighty k and there's fun. There's like cost of

0:30:35.480 --> 0:30:37.920
<v Speaker 2>living calculators. I think, I think I forget where I

0:30:37.920 --> 0:30:39.400
<v Speaker 2>saw one. I'll try and put a link in, but

0:30:39.480 --> 0:30:41.320
<v Speaker 2>you put in your you put in where you live now,

0:30:41.400 --> 0:30:43.360
<v Speaker 2>your income now, and then you can put in where

0:30:43.400 --> 0:30:44.960
<v Speaker 2>you're moving to, and it'll just show you how much

0:30:45.000 --> 0:30:47.520
<v Speaker 2>more your money is worth. I did that once to

0:30:47.520 --> 0:30:49.480
<v Speaker 2>compare what I'm earning here and how much it'd be

0:30:49.480 --> 0:30:51.400
<v Speaker 2>worth in Georgia, and I was like, I need to leave.

0:30:53.120 --> 0:30:57.959
<v Speaker 2>But then you know, marriage and children and stuff and dog. Yeah,

0:30:58.080 --> 0:31:00.760
<v Speaker 2>but the question, like, you know, is it a good

0:31:00.760 --> 0:31:03.720
<v Speaker 2>time to buy a home with the recession looming? I mean,

0:31:03.920 --> 0:31:08.959
<v Speaker 2>that's really difficult to say. And this recession is, like

0:31:09.000 --> 0:31:12.280
<v Speaker 2>we said in the last week's episode, it's shaping up

0:31:12.320 --> 0:31:14.680
<v Speaker 2>to be very different than the housing crisis.

0:31:14.760 --> 0:31:17.000
<v Speaker 1>I was gonna say, this is not a housing crisis. Recession.

0:31:17.440 --> 0:31:19.280
<v Speaker 2>Yes, and Atlanta was hard hit.

0:31:19.360 --> 0:31:19.520
<v Speaker 3>You know.

0:31:19.560 --> 0:31:22.560
<v Speaker 2>I had had family in the real estate business whose

0:31:22.600 --> 0:31:25.880
<v Speaker 2>businesses almost tanked, you know, did go bankrupt because of

0:31:25.920 --> 0:31:28.680
<v Speaker 2>the crisis there. Because I lived in one of those

0:31:28.680 --> 0:31:32.360
<v Speaker 2>neighborhoods that was next door to the big development projects

0:31:32.400 --> 0:31:34.720
<v Speaker 2>with all those like half million dollar houses that just

0:31:34.720 --> 0:31:37.680
<v Speaker 2>stayed empty in two thousand and six and seven. The

0:31:37.720 --> 0:31:39.600
<v Speaker 2>problem back then was that people were getting approved for

0:31:39.640 --> 0:31:42.560
<v Speaker 2>houses they couldn't afford on paper with their income. As

0:31:42.600 --> 0:31:44.600
<v Speaker 2>long as you are getting a house that you can't afford,

0:31:45.360 --> 0:31:47.800
<v Speaker 2>and you know, if things were to go belly up,

0:31:47.800 --> 0:31:50.480
<v Speaker 2>like you can afford your mortgage payments, you have savings.

0:31:51.480 --> 0:31:55.200
<v Speaker 2>It's not like it's a super terribly you know, risky

0:31:55.760 --> 0:31:58.200
<v Speaker 2>financial choice and you're in danger of ending up like

0:31:58.240 --> 0:32:02.520
<v Speaker 2>these people were back in you know, the early two thousands, and.

0:32:02.680 --> 0:32:04.800
<v Speaker 1>I just looked on lending Tree, you know, the property

0:32:04.840 --> 0:32:08.320
<v Speaker 1>you work for in say Heay, and the interest rates

0:32:08.400 --> 0:32:10.280
<v Speaker 1>actually really good right now, they're.

0:32:10.080 --> 0:32:12.040
<v Speaker 2>So good they're better than when I got my house

0:32:12.240 --> 0:32:13.000
<v Speaker 2>a year ago.

0:32:13.320 --> 0:32:18.200
<v Speaker 1>Because a thirty year fah loan is three point two percent,

0:32:18.960 --> 0:32:20.800
<v Speaker 1>that's what the interest rate is. And a thirty year

0:32:20.840 --> 0:32:24.120
<v Speaker 1>fixed rate loan so FAHA is typically if you're like

0:32:24.120 --> 0:32:26.400
<v Speaker 1>the first time you know home buyer, that you can

0:32:26.480 --> 0:32:28.200
<v Speaker 1>qualify for that. There's some other things you have to do,

0:32:28.280 --> 0:32:31.000
<v Speaker 1>but a thirty year fixed rate is three point six

0:32:31.080 --> 0:32:34.440
<v Speaker 1>y nine, I mean that's three point anything for a

0:32:34.480 --> 0:32:37.400
<v Speaker 1>mortgage is actually excellent. So it actually might be because

0:32:37.440 --> 0:32:39.400
<v Speaker 1>right now What that means is money is cheap right now,

0:32:39.720 --> 0:32:42.240
<v Speaker 1>so you can I mean I don't know if like

0:32:42.280 --> 0:32:44.160
<v Speaker 1>you know, housing prices for drop I mean many and

0:32:44.240 --> 0:32:47.000
<v Speaker 1>obviously we can't know that, but I do know that

0:32:47.920 --> 0:32:50.120
<v Speaker 1>interest rates just a year ago were like five percent

0:32:50.160 --> 0:32:51.920
<v Speaker 1>I think when we were when when Jerrell and I

0:32:51.960 --> 0:32:54.480
<v Speaker 1>were looking, so we thought we were gonna get a mortgage.

0:32:54.800 --> 0:32:57.720
<v Speaker 1>And this is a year ago before this house came

0:32:57.760 --> 0:32:59.360
<v Speaker 1>on the market and the bank was like, no, we're

0:32:59.400 --> 0:33:02.080
<v Speaker 1>only going to sell for cash, but we were looking

0:33:02.120 --> 0:33:04.040
<v Speaker 1>at like five percent. This was like a year ago,

0:33:04.640 --> 0:33:06.720
<v Speaker 1>and so the interest rates are really good right now.

0:33:06.760 --> 0:33:09.440
<v Speaker 1>So it's not a bad time as far as interest

0:33:09.480 --> 0:33:13.120
<v Speaker 1>rates are concerned to borrow money for a home. But

0:33:13.320 --> 0:33:17.200
<v Speaker 1>like I would look to see where where you are

0:33:17.200 --> 0:33:20.920
<v Speaker 1>buying the as housing has it gone up pretty steadily?

0:33:21.520 --> 0:33:23.920
<v Speaker 1>Is it like an up and coming neighborhood. That's also

0:33:23.920 --> 0:33:27.640
<v Speaker 1>a good thing, you know, just look at housing prices

0:33:27.640 --> 0:33:29.600
<v Speaker 1>in the area, do your comps, make sure you just

0:33:29.640 --> 0:33:31.760
<v Speaker 1>do your research so you know that. So it's either

0:33:31.880 --> 0:33:33.560
<v Speaker 1>like two coins, Like my parents live in the house

0:33:34.080 --> 0:33:36.680
<v Speaker 1>and live in a neighborhood in Westfield, New Jersey where

0:33:36.720 --> 0:33:39.760
<v Speaker 1>it's pretty like a really nice neighborhood and even during

0:33:39.800 --> 0:33:43.280
<v Speaker 1>the recession, they you know, they may have taken a dip,

0:33:43.320 --> 0:33:45.280
<v Speaker 1>but they're right back at the top of the market

0:33:45.320 --> 0:33:47.160
<v Speaker 1>as far as like homes are concerned. Because Westfield has

0:33:47.160 --> 0:33:50.280
<v Speaker 1>a great school system. It's very a really beautiful, solid

0:33:50.280 --> 0:33:53.360
<v Speaker 1>town with direct trains and transportation to New York. Now

0:33:53.400 --> 0:33:56.160
<v Speaker 1>where I live now in Newark is very much like

0:33:56.240 --> 0:33:59.840
<v Speaker 1>pre Brooklyn, you know, nineteen ninety eight or whatever, where

0:34:00.240 --> 0:34:04.000
<v Speaker 1>like Newark, it's a great time to buy because it's

0:34:04.240 --> 0:34:06.400
<v Speaker 1>just starting to take off. Well, I mean, if you

0:34:06.400 --> 0:34:09.399
<v Speaker 1>could even find anything quite honestly now because no one.

0:34:09.640 --> 0:34:13.200
<v Speaker 1>Newark is situated by New York, which has Brooklyn. Harlem

0:34:13.280 --> 0:34:16.480
<v Speaker 1>is also situated by Jersey City. These are cities that

0:34:17.120 --> 0:34:20.319
<v Speaker 1>it's the cost of living is so expensive that people

0:34:20.360 --> 0:34:24.080
<v Speaker 1>are now looking to Newark, which normally was not considered

0:34:24.080 --> 0:34:25.960
<v Speaker 1>a desirable town because they had some riots in the

0:34:26.000 --> 0:34:28.000
<v Speaker 1>sixties and it really like tore New York down. But

0:34:28.120 --> 0:34:31.719
<v Speaker 1>now because the surrounding area is so expensive, Newark has

0:34:31.760 --> 0:34:35.319
<v Speaker 1>an airport, Newark has transportation so now, and Newark has

0:34:35.400 --> 0:34:36.960
<v Speaker 1>like some of the lowest taxes in the state of

0:34:37.000 --> 0:34:40.080
<v Speaker 1>New Jersey. Well in this area that the northeast part

0:34:40.120 --> 0:34:43.120
<v Speaker 1>of New Jersey where I live, And so as a result,

0:34:43.560 --> 0:34:47.080
<v Speaker 1>you find houses that you know, like you know, our house,

0:34:47.160 --> 0:34:49.560
<v Speaker 1>even at full price at like three eighty or whatever,

0:34:49.640 --> 0:34:52.719
<v Speaker 1>it's still cheap compared to two towns over. And so

0:34:53.080 --> 0:34:55.320
<v Speaker 1>I would also look to see, like, am I buying

0:34:55.320 --> 0:34:57.640
<v Speaker 1>in a really solid neighborhood where like, okay, these home

0:34:57.680 --> 0:35:00.000
<v Speaker 1>prices are pretty rock solid they don't really dip in train,

0:35:00.520 --> 0:35:04.280
<v Speaker 1>Or am I buying an upcoming neighborhood where the surrounding

0:35:04.440 --> 0:35:06.680
<v Speaker 1>neighborhoods are really expensive and so people are starting to

0:35:06.640 --> 0:35:08.680
<v Speaker 1>spill over here and I can still get a good deal.

0:35:08.880 --> 0:35:11.400
<v Speaker 1>So just remember that buying a house is an investment,

0:35:12.200 --> 0:35:14.200
<v Speaker 1>and so think about it that way, Like, am I

0:35:14.280 --> 0:35:17.480
<v Speaker 1>purchasing a home that years from now, it's going to

0:35:17.560 --> 0:35:20.919
<v Speaker 1>be the value is going to hold steady and grow

0:35:20.920 --> 0:35:23.000
<v Speaker 1>a little bit or grow dramatically because I've brought in

0:35:23.000 --> 0:35:26.480
<v Speaker 1>a neighborhood where I like the houses is undervalued momentarily.

0:35:27.719 --> 0:35:29.360
<v Speaker 2>Yeah, those are all really good questions, and there's so

0:35:29.360 --> 0:35:32.279
<v Speaker 2>many resources online that you can use, from zillo to

0:35:32.440 --> 0:35:36.799
<v Speaker 2>truly to look at the history of home values in

0:35:36.840 --> 0:35:39.919
<v Speaker 2>your exact zip code, because really, like, yes, on the

0:35:40.000 --> 0:35:44.360
<v Speaker 2>macro level, like recession looming, sure, but is one looming

0:35:44.440 --> 0:35:47.319
<v Speaker 2>in the town that you're buying in Atlanta? Like it's

0:35:47.320 --> 0:35:49.239
<v Speaker 2>almost like you need to look at the microeconomy and

0:35:49.239 --> 0:35:52.040
<v Speaker 2>what's happening and where you live and not the whole

0:35:52.040 --> 0:35:54.279
<v Speaker 2>country does not respond to recessions in the same way.

0:35:55.120 --> 0:35:58.480
<v Speaker 2>It really depends on the location. So I agree, look

0:35:58.480 --> 0:36:02.440
<v Speaker 2>at your specific location, talk to other homeowners in the area,

0:36:03.520 --> 0:36:07.360
<v Speaker 2>and ultimately make the best decision for you financially, and

0:36:07.440 --> 0:36:09.800
<v Speaker 2>definitely don't try and get more than you can afford.

0:36:09.840 --> 0:36:12.279
<v Speaker 2>And you know, tell your friend that quote unquote friend

0:36:12.280 --> 0:36:16.920
<v Speaker 2>who's his friend? I don't know, all right, I'll just

0:36:16.960 --> 0:36:18.560
<v Speaker 2>say if I could buy something in Atlanta, as my

0:36:18.600 --> 0:36:21.920
<v Speaker 2>next goal is to buy an investment property back in Georgia,

0:36:22.040 --> 0:36:24.840
<v Speaker 2>So hopefully that's not a bad decision. But we'll see,

0:36:26.160 --> 0:36:29.720
<v Speaker 2>all right, guys, thank you very much for your questions. Again.

0:36:29.960 --> 0:36:33.120
<v Speaker 2>We are Brandabission Podcast at gmail dot com. If you

0:36:33.160 --> 0:36:35.160
<v Speaker 2>want to hit us up on email. You can also

0:36:35.200 --> 0:36:40.160
<v Speaker 2>go to Instagram. We're at Brandonbision Podcast on the Gram.

0:36:40.239 --> 0:36:43.960
<v Speaker 1>Yes, now it's time for Boost to break for all

0:36:44.000 --> 0:36:47.800
<v Speaker 1>our family. Will you boost? Will you break? What will

0:36:47.880 --> 0:36:52.000
<v Speaker 1>it be? Many.

0:36:52.600 --> 0:36:55.640
<v Speaker 2>I'm gonna do a quick boost. I downloaded this book

0:36:56.080 --> 0:36:58.400
<v Speaker 2>on my vacation because I went to I went on

0:36:58.480 --> 0:37:00.400
<v Speaker 2>vacation with the novel and it was too short, and

0:37:00.440 --> 0:37:02.319
<v Speaker 2>you know, you finished a book too early, and I'm like, damn,

0:37:02.320 --> 0:37:04.680
<v Speaker 2>I have a whole other week lift. So I got this.

0:37:04.880 --> 0:37:08.040
<v Speaker 2>I have downloaded this audio book a while back. I

0:37:08.080 --> 0:37:09.760
<v Speaker 2>don't even know why. I must have had some audible

0:37:09.760 --> 0:37:12.640
<v Speaker 2>credits I needed to use before they expired. But it's

0:37:12.760 --> 0:37:15.359
<v Speaker 2>been really, really good and if you are leading a team,

0:37:15.480 --> 0:37:18.520
<v Speaker 2>especially if you're a new leader, or even if you're

0:37:18.520 --> 0:37:21.879
<v Speaker 2>a veteran leader, I've really enjoyed this book. So it's

0:37:21.920 --> 0:37:27.160
<v Speaker 2>by Brene Brown. Who do you know Brene? Yes, I know,

0:37:27.239 --> 0:37:29.319
<v Speaker 2>I'm like the last person to know about her. I

0:37:29.400 --> 0:37:31.400
<v Speaker 2>just again, I randomly download this book, but I googled

0:37:31.400 --> 0:37:32.719
<v Speaker 2>her and I'm like, oh, she had the viral ted

0:37:32.760 --> 0:37:35.960
<v Speaker 2>talk about leadership and vulnerability, and so her book and

0:37:35.960 --> 0:37:37.920
<v Speaker 2>she has a couple of a few different books at

0:37:37.920 --> 0:37:41.520
<v Speaker 2>this point, but this one's specifically for managers, and it's

0:37:41.520 --> 0:37:46.280
<v Speaker 2>called Dare to Lead, Brave Work, Tough Conversations, Whole Hearts.

0:37:46.360 --> 0:37:48.560
<v Speaker 2>And I'm about halfway through it now and I've been

0:37:48.560 --> 0:37:51.800
<v Speaker 2>taking notes like a good student, and it's been really helpful.

0:37:51.840 --> 0:37:54.920
<v Speaker 2>Like one, it's been one of it's sort of an

0:37:54.960 --> 0:37:58.360
<v Speaker 2>affirmation for some of the styles that I have personally

0:37:58.960 --> 0:38:01.440
<v Speaker 2>adapted from my own management style, but it's also like

0:38:01.880 --> 0:38:04.719
<v Speaker 2>giving me a different way to think about how I

0:38:04.760 --> 0:38:07.080
<v Speaker 2>speak to people on my team. And and she does

0:38:07.120 --> 0:38:11.000
<v Speaker 2>talk about being vulnerability as a leader and how it's

0:38:11.040 --> 0:38:12.880
<v Speaker 2>okay to show some of that to your people, especially

0:38:12.880 --> 0:38:15.480
<v Speaker 2>because I'm about to give birth, and that's I can't

0:38:15.480 --> 0:38:18.120
<v Speaker 2>think of anything more vulnerable than becoming a new mom

0:38:18.840 --> 0:38:22.480
<v Speaker 2>and also leading a team. And it's helping me be like, understand, Okay,

0:38:22.520 --> 0:38:24.640
<v Speaker 2>it is okay to I'm not trying to hide the

0:38:24.680 --> 0:38:26.320
<v Speaker 2>fact that I'm having a baby. I can still be

0:38:26.360 --> 0:38:28.759
<v Speaker 2>a boss and a mom and I can still open

0:38:28.840 --> 0:38:30.839
<v Speaker 2>up about, you know why, I'm going to be out

0:38:30.880 --> 0:38:32.719
<v Speaker 2>for a few days or a few hours to go

0:38:32.719 --> 0:38:34.880
<v Speaker 2>to doctor's appointments and I shouldn't be ashamed of that.

0:38:34.960 --> 0:38:38.240
<v Speaker 2>And so it's been it's good. I reckon I highly

0:38:38.280 --> 0:38:40.239
<v Speaker 2>how they recommend it. It's been really great so far.

0:38:40.600 --> 0:38:43.680
<v Speaker 2>So it's dare to lead, brave work, tough conversations, whole

0:38:43.680 --> 0:38:46.839
<v Speaker 2>hearts and the audiobook is good, it's not boring. I

0:38:46.920 --> 0:38:49.200
<v Speaker 2>like that she reads it herself and she's got a

0:38:49.239 --> 0:38:52.400
<v Speaker 2>really good like presence to her voice. It's very like conversation.

0:38:53.480 --> 0:38:56.200
<v Speaker 1>Yes, I love Rene Brown honestly, Like I watched that

0:38:56.280 --> 0:38:58.480
<v Speaker 1>viral ted talk and it was like, waits.

0:38:58.200 --> 0:39:01.280
<v Speaker 2>I feel like I'm behind. It's so behind the world.

0:39:01.680 --> 0:39:02.440
<v Speaker 2>I'm caught up now.

0:39:02.520 --> 0:39:05.400
<v Speaker 1>Oh yeah, she's awesome. And since then she's just exploded

0:39:05.440 --> 0:39:07.719
<v Speaker 1>all over everywhere. She's just really dope. So yes, and

0:39:07.760 --> 0:39:09.879
<v Speaker 1>maybe I'll pick up that book. I'm not. That's one

0:39:09.880 --> 0:39:12.440
<v Speaker 1>of my things, my joy things, remember I said earlier,

0:39:12.560 --> 0:39:14.399
<v Speaker 1>like make a list of things that bring you joy.

0:39:14.480 --> 0:39:16.880
<v Speaker 1>Like I used to be such a big reader. And

0:39:16.920 --> 0:39:18.919
<v Speaker 1>now I mean not that I don't read now, but

0:39:19.200 --> 0:39:22.440
<v Speaker 1>everything is like reading to learn more about you know,

0:39:22.560 --> 0:39:25.880
<v Speaker 1>these dogs, to learn more about you know, like marketing,

0:39:26.080 --> 0:39:29.080
<v Speaker 1>but like reading just for the joy of reading, like

0:39:29.120 --> 0:39:30.759
<v Speaker 1>I have not done that, and so like I used

0:39:30.760 --> 0:39:32.280
<v Speaker 1>to like plow through books.

0:39:32.320 --> 0:39:34.400
<v Speaker 2>You know, Oh I got a dad one. What do

0:39:34.480 --> 0:39:37.760
<v Speaker 2>you have a fun summer read? No, summer's not over yet.

0:39:38.080 --> 0:39:40.640
<v Speaker 2>Really good books. So it's a quickly little I think

0:39:40.640 --> 0:39:42.479
<v Speaker 2>I read this novel in like three days on the train.

0:39:42.640 --> 0:39:45.840
<v Speaker 2>But it's called My Sister the serial Killer, and it's

0:39:45.920 --> 0:39:50.400
<v Speaker 2>it takes place in Nigeria, so hey, and it's about

0:39:51.080 --> 0:39:53.719
<v Speaker 2>two sisters and one of them's a serial killer. It's

0:39:53.760 --> 0:39:57.200
<v Speaker 2>really good. Yeah, it's good. It's like funny. It's a funny.

0:39:57.400 --> 0:39:59.960
<v Speaker 2>I don't know, a dark comedy. I can't wait for them.

0:40:00.000 --> 0:40:01.360
<v Speaker 2>Sure it's going to be a TV show or like

0:40:01.400 --> 0:40:03.000
<v Speaker 2>a movie or something. It's really good.

0:40:03.640 --> 0:40:05.760
<v Speaker 1>But okay, My Sister the serial Killer. Okay.

0:40:05.840 --> 0:40:09.280
<v Speaker 2>If you guys want a little quick, easy summer read recommended.

0:40:09.560 --> 0:40:11.560
<v Speaker 1>Yes, oh and please you can. They're definitely like at

0:40:11.600 --> 0:40:13.600
<v Speaker 1>Me the Bunjanista, if you've got some really great reads,

0:40:13.600 --> 0:40:15.880
<v Speaker 1>I like, I'm like, I don't have like a specific

0:40:15.960 --> 0:40:17.919
<v Speaker 1>John and like, oh I'm a I'm such and such

0:40:17.960 --> 0:40:21.320
<v Speaker 1>like I I love like like I love Malcolm Gladwell

0:40:21.360 --> 0:40:24.920
<v Speaker 1>with all his books on research. I like, like one

0:40:24.920 --> 0:40:25.680
<v Speaker 1>of my favorite books.

0:40:25.719 --> 0:40:27.759
<v Speaker 2>Is he buying his books and not reading them. I

0:40:27.760 --> 0:40:31.360
<v Speaker 2>gotta read what I'm supposed to want to. I'm supposed

0:40:31.360 --> 0:40:32.960
<v Speaker 2>to read them, right, I have audio books, I got

0:40:33.000 --> 0:40:35.520
<v Speaker 2>the paperbag. I need to read his books.

0:40:35.320 --> 0:40:37.800
<v Speaker 1>That's really good. I don't know how he makes research

0:40:38.120 --> 0:40:40.640
<v Speaker 1>like it feels like a novel, you're like, tell me more. Malcolm.

0:40:40.719 --> 0:40:43.360
<v Speaker 1>He's one of my favorite authors honestly, so his books

0:40:43.360 --> 0:40:45.600
<v Speaker 1>are great. I love like, of course thee Alchemist by

0:40:45.640 --> 0:40:49.320
<v Speaker 1>Powell Couelo, So I love There's this book called Jonathan

0:40:49.400 --> 0:40:52.000
<v Speaker 1>Livingston Seago, which is like one of my favorite books.

0:40:52.040 --> 0:40:54.799
<v Speaker 1>It's very like alchemist esque if you like The Alchemist.

0:40:56.040 --> 0:40:58.680
<v Speaker 1>But I also love like trashy like romance novels, you know,

0:40:58.800 --> 0:41:00.719
<v Speaker 1>So I'm all over the is my reading. So if

0:41:00.719 --> 0:41:02.160
<v Speaker 1>you have a book that you just think is amazing,

0:41:03.280 --> 0:41:06.040
<v Speaker 1>at me the budgetista on Twitter or even Instagram. And

0:41:06.360 --> 0:41:08.319
<v Speaker 1>because I you know, like I said, I don't have

0:41:08.320 --> 0:41:11.680
<v Speaker 1>a specific genre that I'm like, oh like I yeah,

0:41:11.840 --> 0:41:14.600
<v Speaker 1>I just love to read, although I have not made

0:41:14.680 --> 0:41:17.520
<v Speaker 1>reading for pleasure a priority. But we off that now

0:41:17.600 --> 0:41:22.759
<v Speaker 1>we back on it. So my booze is actually four.

0:41:22.920 --> 0:41:25.440
<v Speaker 1>So as you know, did we talk about that VMA's

0:41:25.480 --> 0:41:26.720
<v Speaker 1>that they were in Newark?

0:41:27.200 --> 0:41:27.840
<v Speaker 2>Yeah, talking about that.

0:41:28.239 --> 0:41:30.319
<v Speaker 1>Oh so if you guys didn't watch, there was a

0:41:30.360 --> 0:41:34.880
<v Speaker 1>young woman named Lizzo who was amazing. She she's breaking

0:41:34.920 --> 0:41:39.240
<v Speaker 1>down all these barriers. So her her song truth Hurts

0:41:39.560 --> 0:41:41.799
<v Speaker 1>where she's like I just took a DNA test and

0:41:42.080 --> 0:41:44.879
<v Speaker 1>the results came back, I'm I'm that bitch or something

0:41:44.920 --> 0:41:46.840
<v Speaker 1>like that. But it's amazing.

0:41:47.120 --> 0:41:50.400
<v Speaker 2>Now, Okay, go ahead, you just you just said it

0:41:50.440 --> 0:41:53.120
<v Speaker 2>so like I just took a DNA test and my

0:41:53.160 --> 0:41:55.560
<v Speaker 2>results came back, and I'm one hundred percent that bitch,

0:41:56.800 --> 0:41:59.640
<v Speaker 2>even when I'm crying crazy, I got boy problems. Is

0:41:59.640 --> 0:42:03.919
<v Speaker 2>to human me. No, I'll stop. Now continue now, dude,

0:42:04.239 --> 0:42:06.560
<v Speaker 2>I'm like any rate it could have had a bad bitch,

0:42:06.920 --> 0:42:11.000
<v Speaker 2>noncommittal help you with your career, just a little need

0:42:11.000 --> 0:42:14.120
<v Speaker 2>to hold you down, like saying it as if I'm

0:42:14.120 --> 0:42:17.600
<v Speaker 2>just talking to my mom. Yeah, but continue, Yeah, a

0:42:17.600 --> 0:42:17.840
<v Speaker 2>lot of.

0:42:18.760 --> 0:42:23.480
<v Speaker 1>Yeah, She's amazing. And the fact that like she has

0:42:23.520 --> 0:42:25.480
<v Speaker 1>like you know, the number one because you know, as

0:42:25.520 --> 0:42:27.920
<v Speaker 1>you know little nas X and Billy ray Cyrus for

0:42:27.960 --> 0:42:29.879
<v Speaker 1>Old Time Road. I think he was like number one

0:42:29.920 --> 0:42:31.719
<v Speaker 1>for like seventeen or eighteen weeks in ago he broke

0:42:31.800 --> 0:42:34.839
<v Speaker 1>like the record, mari I Carrey's record. So anyway, what

0:42:34.880 --> 0:42:36.839
<v Speaker 1>I love about her is that she is quirky, She

0:42:37.120 --> 0:42:42.240
<v Speaker 1>is talented. She herself specifically said, she told Time Magazine

0:42:42.239 --> 0:42:44.279
<v Speaker 1>back in April, I have to be that person because

0:42:44.320 --> 0:42:46.440
<v Speaker 1>I don't see that person because of who I am

0:42:46.480 --> 0:42:48.560
<v Speaker 1>my story happens to have a message to it. The

0:42:48.600 --> 0:42:51.120
<v Speaker 1>space I'm occupying isn't just for me, It's for all

0:42:51.160 --> 0:42:53.799
<v Speaker 1>the big black girls in the future who just want

0:42:53.800 --> 0:42:56.280
<v Speaker 1>to be seen. And I just just like, go ahead,

0:42:56.280 --> 0:42:59.719
<v Speaker 1>Lizzle And she plays the flute. She's just amazing, and

0:43:00.120 --> 0:43:03.920
<v Speaker 1>I just yeah, I just honestly, I'm just really happy

0:43:03.920 --> 0:43:07.560
<v Speaker 1>for her, and yeah, she's just I just wanted to

0:43:07.600 --> 0:43:09.480
<v Speaker 1>just give a shout out to someone who was like,

0:43:10.080 --> 0:43:12.560
<v Speaker 1>I'm going to show up as myself and you will deal.

0:43:13.040 --> 0:43:14.719
<v Speaker 1>Not only will you deal, you will love it. And

0:43:14.760 --> 0:43:17.040
<v Speaker 1>we are loving it. And Lizzo, congratulations, mama.

0:43:17.440 --> 0:43:21.000
<v Speaker 2>Shout out to Lizzo her flute, Sasha be fluting on Instagram.

0:43:21.080 --> 0:43:22.720
<v Speaker 2>I guess I follow her flute on Instagram.

0:43:23.280 --> 0:43:25.360
<v Speaker 1>Yeah, I love.

0:43:25.200 --> 0:43:27.799
<v Speaker 2>That you can follow her flute. Yeah, she's the best.

0:43:28.280 --> 0:43:30.440
<v Speaker 1>So we had a great show. I thought we had

0:43:30.440 --> 0:43:34.319
<v Speaker 1>some really great questions. Please keep asking your questions. If

0:43:34.360 --> 0:43:36.759
<v Speaker 1>you have not told a friend, tell a friend to

0:43:36.840 --> 0:43:39.840
<v Speaker 1>tell a friend and her friend to listen to Brown Ambition.

0:43:39.920 --> 0:43:41.680
<v Speaker 1>We love that you guys like tweet us, that you

0:43:42.080 --> 0:43:46.400
<v Speaker 1>facebook us, that you instagram us, and you know, we

0:43:46.640 --> 0:43:48.359
<v Speaker 1>just love to keep you know, we love showing up

0:43:48.360 --> 0:43:51.279
<v Speaker 1>for y'all, ask your questions, Share a brown break or

0:43:51.280 --> 0:43:53.920
<v Speaker 1>brown boost with us, because quite honestly, sometimes I'm at

0:43:53.920 --> 0:43:55.799
<v Speaker 1>a loss. So if you have a great brown break

0:43:55.880 --> 0:43:58.439
<v Speaker 1>or brown boost, certainly like share them with us because

0:43:58.480 --> 0:44:03.120
<v Speaker 1>we can read them out loud and credit you. Yeah.

0:44:03.600 --> 0:44:08.160
<v Speaker 1>I think I think that we are good.

0:44:08.840 --> 0:44:13.480
<v Speaker 2>We're great, all right, guys, We will see you next week,

0:44:14.080 --> 0:44:16.399
<v Speaker 2>all right, all right, bye, t have a good night.

0:44:17.680 --> 0:44:19.600
<v Speaker 2>Fingers crossed. The audio is good. I think it's good.

0:44:20.040 --> 0:44:20.279
<v Speaker 1>I think