Speaker 1: Hey, Hey, we're back. We're black, We're brown. I'm tippinging.
Speaker 2: Hey, guys, this Mandy.
Speaker 1: You know that's where like it's like, I don't know
Speaker 1: if you've ever seen my IG stories, like whenever I
Speaker 1: travel with Drina, you and Drina are like the straight
Speaker 1: the straight guy and what is the other person's like title,
Speaker 1: goofball something, because I'm always like, hey, Drina, Adrina looks
Speaker 1: at the camera like Sup.
Speaker 2: It's just hard to match that energy. Tif. I just
Speaker 2: want to let you shine, you know.
Speaker 1: I guess I always have dreamas and Mandy's around me.
Speaker 1: I'm always like, what it's a good balance.
Speaker 2: Yin and Yang? Yin and Yang. Remember our disc profiles.
Speaker 2: You're exactly the opposite of my disc profile?
Speaker 1: What did you end up being? Again?
Speaker 2: I'm a high and you guys, you need to go
Speaker 2: back and listen to I don't even know what episode
Speaker 2: it was we talk about all about the disc personality assessment.
Speaker 2: I'm a high D and a high C and you're
Speaker 2: a high I S.
Speaker 1: Yes, I am ok. We make the perfect death.
Speaker 2: We're perfect. My husband's a I S. I'm just saying,
Speaker 2: I'm just saying.
Speaker 1: Oh, Auntie, I wonder what I wonder what Superman is.
Speaker 2: You gotta you can you gotta give him the disk assessment.
Speaker 1: Yeah, I do, to see if we make a perfect disc.
Speaker 1: So how was your gobble day?
Speaker 2: I spent the entire I've never shopped this much. Usually
Speaker 2: I just kind of ignore Black Friday Cyber Monday, but
Speaker 2: we just happened to. It happened to be in the
Speaker 2: week when we needed to order all of the stuff
Speaker 2: for our house, like all the furniture and you know,
Speaker 2: bed and all that kind of stuff. So we literally
Speaker 2: just I have never I mean, I have like a
Speaker 2: stomach ache like you have from eating too much sugar,
Speaker 2: from just like spending, you know, just like spending and
Speaker 2: shopping and promo codes. And I will say it worked
Speaker 2: out really perfect though, because we did basically get a
Speaker 2: lot of money off all of those purchases, which worked
Speaker 2: out perfectly. And that just means that we're almost at
Speaker 2: the finish line.
Speaker 1: Oh I'm so jellousy.
Speaker 2: I can sing too.
Speaker 1: I feel like we are at because we had to
Speaker 1: halt some things because we were waiting something for them
Speaker 1: from the city.
Speaker 2: But too, would you say, I said, ew, halting terrible,
Speaker 2: I know.
Speaker 1: But luckily like tomorrow, well, Wednesday. Whenever you guys listen
Speaker 1: to this is the day that we pick up speed
Speaker 1: and we go back to full time every day until
Speaker 1: it's done. So I'm excited about that. Now we're talking
Speaker 1: about fixtures. Did I tell you Superman's idea? What kind
Speaker 1: of fixture he wanted?
Speaker 2: Wait? Fixture for?
Speaker 1: What fixtures for? Like the house? Like like you know,
Speaker 1: like I'm talking about like plumbing fixtures.
Speaker 2: Okay, gotcha, faucets and stuff.
Speaker 1: Yeah, tell me, Oh my gosh, so he I guess
Speaker 1: I don't know if most guys are super modern, you know,
Speaker 1: like shiny super like you know, like the kind of
Speaker 1: things you see in like a brand new restaurant where
Speaker 1: it's like a plate pouring out the water for you
Speaker 1: and you're like why. And so our house is you know,
Speaker 1: our house was built in the nineteen twenty And not
Speaker 1: to say that stuff is terrible, but the house, it
Speaker 1: doesn't match the house, you know, like there's a lot
Speaker 1: of features in the house that are still original. So
Speaker 1: I was showing him some features. He's like, that's old timey.
Speaker 1: He was like, I want this because we're getting a
Speaker 1: double sink in our master bad. I want this feature.
Speaker 1: And I was like, oh, Superman, that's like way too modern,
Speaker 1: and he was like, yeah, that's why I like it.
Speaker 1: And he's like, how about this, this will be cool.
Speaker 1: How about you pick your feature, your your fixture. I
Speaker 1: pick mine?
Speaker 2: Good luck? Good luck. That's the That's how it's going
Speaker 2: to be with you, guys for the next several months
Speaker 2: until the very end. You haven't lived until you've had
Speaker 2: a shouting mouch about curtains. Okay, you have curtain rods.
Speaker 1: Just to wait to wait, many yo, how are we
Speaker 1: going to have two different fixtures on the same double sink.
Speaker 1: I looked at him like I thought he was. He
Speaker 1: was dead serious. He was like, I don't you pick
Speaker 1: your as I pick mine? I said, honestly, I'm walking away.
Speaker 1: Are you crazy? He was? I said, no, one does that,
Speaker 1: he said, because it hasn't been done. Whytould that be
Speaker 1: like new? Like people will come in our house and say, oh,
Speaker 1: my goodness, that's cool. I'm like, sorry, no, they won't.
Speaker 2: Yeah, and then you just take a piece of tape
Speaker 2: and you just draw it down the entire line of
Speaker 2: the room, and then he's got his side of the house.
Speaker 2: And then no, that's not how it works.
Speaker 1: So I just said I. So luckily we came up
Speaker 1: with a semi solution in that. He said, from the beginning,
Speaker 1: so I was waiting to pull this car because I
Speaker 1: knew I was going to need it later. But I
Speaker 1: pulled it out because I like I had to. He
Speaker 1: had said in the beginning, as long as I can
Speaker 1: do whatever I want in the man Cave, like whatever
Speaker 1: I want. He's got two rooms in the basement, he
Speaker 1: could do whatever he wants that I have the rest
Speaker 1: of the house. So I had to pull that out
Speaker 1: and say, sir, let me pull out our original agreement.
Speaker 1: He said, this is true. This is true. I did
Speaker 1: say that, and he was like, but you asked me.
Speaker 1: I said, you're right. My mistake was asking you additional opinions.
Speaker 1: So I said, that won't happen again, and I will
Speaker 1: not make any decisions in the man Cave. I mean,
Speaker 1: you can make it purple for all I care, but
Speaker 1: leave the rest of the house to me. He said, okay,
Speaker 1: So we'll see how long that lasts. Because Superman has
Speaker 1: opinion about design. Who no, he can't about design.
Speaker 2: They will surprise you, they will. I'm really glad that
Speaker 2: we were working with a third party. Designer, because it
Speaker 2: was almost like the same way I use my financial
Speaker 2: planner as like a tiebreaker or just you know, someone
Speaker 2: to tell them that I'm right. It's worked out pretty
Speaker 2: much the same way, like oh you don't like that,
Speaker 2: Let's see what Julia says, okay, or if they if
Speaker 2: they ask you what you like, you know, if you
Speaker 2: like this thing, and then it's like, oh, yeah I do.
Speaker 2: Let's see what Julia says, knowing that they won't like.
Speaker 1: It, like, oh, Julia says, it doesn't make sense.
Speaker 2: Heer, it's a but uh yeah, home home, home stretch.
Speaker 1: Would you guys eat?
Speaker 2: Oh what did we eat? Oh? Yeah, food happened.
Speaker 1: You know.
Speaker 2: My mother in law she made a giant pork carcass,
Speaker 2: some kind of per neil with some vegetables. And then
Speaker 2: we went to his cousin's house and they listened to
Speaker 2: the podcast. So I'm putting them on blast again. But
Speaker 2: they are like anti Thanksgiving food. So we went over
Speaker 2: there and we had beetball sandwiches and French onion soup
Speaker 2: with peta pie. It was like it was empaiea. It
Speaker 2: was like, this is like a very European Thanksgiving menu,
Speaker 2: but I was I was into it.
Speaker 1: Now it sounds delicious. We had uh We went to
Speaker 1: my parents' house and that was fun, and then we
Speaker 1: went to his sister's house. She usually posts Thanksgiving, so
Speaker 1: that was fun. It was delicious all around. I mean
Speaker 1: there was so much food it didn't make sense. I
Speaker 1: probably gained like five pounds.
Speaker 2: How did a turkey turn out?
Speaker 1: Well? I merely bought it and then passed me, So
Speaker 1: it turned out delicious, That's what I mean. Yes, it
Speaker 1: was so crazy because it was two days before and
Speaker 1: I was like, when Mom texts me like, hey, everyone's
Speaker 1: bringing me something for Thanksgiving? Can you bring the turkey
Speaker 1: in the fixings, I'm like, Mommy, that's called Thanksgiving the
Speaker 1: turkey and the fixing, So what is my what are
Speaker 1: my sisters bringing an appetite? So thankfully my friend Vonda, Hey, Vanda,
Speaker 1: she's got an awesome restaurant, soul food restaurant called Vonda's Kitchen,
Speaker 1: And so I hit her up and I was like,
Speaker 1: so what are you doing for Thanksgiffing? And can you
Speaker 1: make my turkey and some fixings? So she said yeah. She'
Speaker 1: said oh, but we're out of turkeys because she you know,
Speaker 1: she made them vond Cators as well as has a restaurant.
Speaker 1: And so she was like, but we ran out of turkeys.
Speaker 1: I said, oh no, no, no problem. I have a
Speaker 1: turkey that I do have. I just don't have the
Speaker 1: wherewithal to do anything else. And so Vana made turkey delicious.
Speaker 1: Oh my goodness. She stuffed it with like pears and
Speaker 1: all these other things that gave us such an amazing flavor.
Speaker 1: She made baked macaroni and cheese, which was who and
Speaker 1: I'm not supposed to have cheese or anything that. Yeah,
Speaker 1: she was gone for Thanksgiving. I was like, girl, you
Speaker 1: tried it. Baked baked macaroni, cheese. She made candy yams delicious,
Speaker 1: collared greens, corn bread, and then the turkey. So and
Speaker 1: then my sisters brought like lasagna and rice and salmon. Honestly,
Speaker 1: we had so much food and it wasn't even that
Speaker 1: many people, but it was awesome. And then his sister's
Speaker 1: house was ten times more food. So we had a
Speaker 1: really good, fat eating time.
Speaker 2: That's exactly as it should be.
Speaker 1: M hmm, what about you, what's new with you? Oh?
Speaker 2: Okay, So this time last year, I was just about
Speaker 2: to go down for that leadership institute that I did
Speaker 2: last year for like Young Leaders in Media, and it
Speaker 2: was such an amazing week for me, and I said
Speaker 2: I would try and do one of those every year,
Speaker 2: But those programs you can't really plan for because that
Speaker 2: you have to like get you have to apply, and
Speaker 2: there's a lot of competition you have to get accepted.
Speaker 2: But I just submitted an application for I won't quite
Speaker 2: It's not going to be in twenty eighteen, so I
Speaker 2: won't I'll miss it, but it's going to be early
Speaker 2: twenty nineteen. A program that's focused on women leaders in
Speaker 2: journalism and it's called like an accelerator program and the
Speaker 2: same thing. It'll be like a week long experience that
Speaker 2: I've heard really cool things about it and I want
Speaker 2: to keep doing. We had talked a couple of podcasts
Speaker 2: episodes ago about professional conferences and how you work them
Speaker 2: into your schedule, So my personal goal was to try
Speaker 2: and do one per year, and I hope, I hope
Speaker 2: I get in because it sounds really awesome. This will
Speaker 2: be the first one I've done with just women leaders.
Speaker 2: The last one was co ed, so I think it'll
Speaker 2: I don't know. I had such a good experience. I
Speaker 2: think the biggest benefit. One of the big benefits was
Speaker 2: just like the network you get afterward, like the peer
Speaker 2: network that you get where you can. You don't realize
Speaker 2: the value of having people who aren't working with you
Speaker 2: or for you to talk to about what you're doing. Yeah,
Speaker 2: like professionally. So I'm excited.
Speaker 1: That's not awesome. I feel like you got it already.
Speaker 1: I'm claiming it for you.
Speaker 2: Thanks the universe deliver on to me.
Speaker 1: No, that's awesome. No, you're right, it is. It's nice
Speaker 1: to have different perspectives on women who are similar but
Speaker 1: not the same, you know, so that's always dope. Yeah, yeah,
Speaker 1: you know who wants to be a businesswoman.
Speaker 2: Now let me get a Supergirl.
Speaker 1: Why does she send me a business plan via email?
Speaker 2: How she is your stepdaughter?
Speaker 1: Is she not? Like?
Speaker 2: I don't know what you expected.
Speaker 1: It was so hilarious. I'm like, there's something. Supergirl doesn't
Speaker 1: even speak to me. Another day She's like hey girl, Hey,
Speaker 1: And so I'm like, oh, so are you downstairs? Because
Speaker 1: so I read the email. If I tell you, the
Speaker 1: top of it says this email in all caps and
Speaker 1: bolded and large fonts. This is the top and the
Speaker 1: rest is regular this email is for Tiffany. If you
Speaker 1: are not Tiffany, please do not delete. This is Supergirl.
Speaker 1: She knows who I am. Please forward it to her.
Speaker 2: I was rolling, well, she's not off because you'd be
Speaker 2: having other people check your emails.
Speaker 1: When I tell you. And then she had to nerve
Speaker 1: to say, Hi, my business plan is I would like
Speaker 1: to sell She listed all these kind of like chowchi's,
Speaker 1: like lip loss and lip bomb, totally different things, ceramics.
Speaker 1: So secretly Supergirl is still kind of like into dolls,
Speaker 1: like sometimes so she's like, I'm twelve. She doesn't like
Speaker 1: to know, but I'm like, girl, that's fine. I was
Speaker 1: into dolls until I was like fourteen. So she wanted
Speaker 1: to do grocery delivery service for dolls. Wait, oh my.
Speaker 1: She had a list of all of these things. And
Speaker 1: then at the end I was wondering why she was
Speaker 1: sharing with it with me because and then at the
Speaker 1: end she was like, I would like for you to
Speaker 1: share my business with your dream captures so they can
Speaker 1: buy things. And I was like, so let's have a
Speaker 1: talk later. You know about she.
Speaker 2: Wanted to set up her lemonade cart outside of your business.
Speaker 1: I say, when I say I was rolling. I thought
Speaker 1: it was the cutest thing, and I was like, So
Speaker 1: we had a really great talk about you know, your
Speaker 1: market and explained She's like, well, what is that? And
Speaker 1: I explained to her, like, you know what, that's your
Speaker 1: perfect customer and who would actually buy your things, and
Speaker 1: she's like, like people your same age and said I
Speaker 1: was like, you know, it depends. And we talked about
Speaker 1: gross profit versus net profit, about picking one thing to
Speaker 1: deliver on before choosing too many things. And so she
Speaker 1: decided that she's going to make her own lip glosses
Speaker 1: because she saw this video on YouTube, and she's going
Speaker 1: to share them with her friends and then see if
Speaker 1: she can like sell them. So I thought that was
Speaker 1: really She said girls her age and I at her
Speaker 1: age I was I'm into lip gloss now, who am
Speaker 1: I fooling? But at her age I was extra into
Speaker 1: lip gloss.
Speaker 2: So, man, yeah, what were those little colored lip glasses
Speaker 2: called where you had to have like every single color lipsmackers?
Speaker 1: Yes, oh my goodness, And honestly I love them. And
Speaker 1: so I told her, I think that would be a
Speaker 1: really cute idea, And so that's what she's going to
Speaker 1: She's going to do so today at school. So last
Speaker 1: night we had like a little meeting and I told her,
Speaker 1: you have to do market research and I explain that
Speaker 1: just meant figuring out what does your audience want? And
Speaker 1: we wrote down four questions that she can ask her friends.
Speaker 1: And I could tell she was like feeling like, oh,
Speaker 1: I don't want to like ask them. I said, well,
Speaker 1: you can ask casually. You don't have to say I've
Speaker 1: got four questions for you. You could just say, like,
Speaker 1: you know, hey, you know being in that's one of
Speaker 1: her friends. Hey, hey, Ebina, do you do you wear?
Speaker 1: Do you wear lip? Class? Let me see it? Well,
Speaker 1: why did you choose this one? We could have had
Speaker 1: this one? And so I told her I showed her
Speaker 1: some way she can get the answer she needed without
Speaker 1: having to like, you know, like interview her friends. Like
Speaker 1: and so, I don't know, it's cute, and I feel
Speaker 1: like this is great because sometimes I mean, I don't
Speaker 1: know if it's just me, but I tell you girls
Speaker 1: are hard because you know, I never know she loves me,
Speaker 1: she hates me, or some blazes in between. So this
Speaker 1: is something something Well, she was little, it was so easy.
Speaker 1: She was like my little be of everyone everywhere together.
Speaker 1: But this will just be something nice that we can
Speaker 1: like do together. And so yeah, I'm excited. You know,
Speaker 1: I told her i'd invest in her her company, but
Speaker 1: she'd have to pay me back with interest.
Speaker 2: Oh you got to save the little business plan.
Speaker 1: I do know. It was an email, so you know,
Speaker 1: like it's officiat. I could not believe she said to me.
Speaker 1: I was like, what it is so cute? What is this?
Speaker 2: It is right, she said.
Speaker 1: I was like, well, oh this is cute. She's like,
Speaker 1: oh yeah, and send it to your dream catchers so
Speaker 1: I can make money.
Speaker 2: She's trying to take us. She's trying to skip a
Speaker 2: few steps. That's really cute, though, kid preneurs. Everyone loves
Speaker 2: a kid entrepreneur.
Speaker 1: Yeah, they do.
Speaker 2: All are you ready to boost or break?
Speaker 1: I am a booster breaker? Booster break? I am?
Speaker 2: Which one? Are you going to do that?
Speaker 1: Oh? I thought you gotta go first. I think I
Speaker 1: am going to boost, Well not even I think so.
Speaker 1: Have you ever heard of supercent?
Speaker 2: Supercent like a smell.
Speaker 1: No, like scent like cent ten cent? Dalla got it?
Speaker 2: Got it?
Speaker 1: Meanwhile, I was like, and if you are West Indian
Speaker 1: or African or just anyone who's heard that song. You
Speaker 1: know you were doing the wine because I was when
Speaker 1: I was saying it, like you know, the little Body Wine. Anyway,
Speaker 1: so there's this woman named super Supa sent cu ce
Speaker 1: n t Well that's not her real name, but so
Speaker 1: she's got this really cute, amazing line of makeup called
Speaker 1: the Crayon Case. Honestly, Mandy. First of all, the makeup
Speaker 1: is so cute. The idea look, it's brilliant. So the
Speaker 1: crown Case is all of the makeup like eyeshadows and
Speaker 1: look losses, lick six, but Mandy, it's done in a
Speaker 1: way that's supposed to look like school supplies and so
Speaker 1: like she's got like a palette for like, say, eyeshadow,
Speaker 1: and it looks like a paint set, and so the
Speaker 1: brushes that you use for blush it looks like a
Speaker 1: number two pencil. Honestly, the packaging is gorgeous and amazing
Speaker 1: and fun. But what I love about her is that
Speaker 1: she has been like just a small entrepreneur trying so
Speaker 1: hard for years. I mean, from what I understand, she
Speaker 1: started like, you know, like selling things on the side
Speaker 1: since twenty fifteen, if not earlier than that. Before that,
Speaker 1: she was a waitress. She's from New Orleans. So she
Speaker 1: struck gold with the crayon case. This is not her
Speaker 1: first business or her first venture, but she struck gold
Speaker 1: with crayon case. And yesterday, well I don't know if yesterday,
Speaker 1: but for Black Friday, it was either Monday or Tuesday.
Speaker 1: She had a sale sixty percent off of everything on
Speaker 1: the side. Guess how much she made? How much in
Speaker 1: ninety minutes? She made over one million dollars in thine minute. Yes,
Speaker 1: she sold. She would have made more, but she sold out,
Speaker 1: broke the site sold out. I mean, I mean she
Speaker 1: showed like she showed because I use I could tell,
Speaker 1: but she uses Shopify like I use Shopify. I mean,
Speaker 1: but killer me, I'm not making that kind of money.
Speaker 1: But she she showed like her Shopify like proof. It
Speaker 1: was on the news, but I like, you know, I
Speaker 1: follow her on social. She was crying, her family came
Speaker 1: in with balloons and cake, and it just it's just
Speaker 1: a testament. This is like, like I said, this is not
Speaker 1: her first, second, or even third business. I mean, this
Speaker 1: woman had sold everything from bundles to Christmas sweaters and
Speaker 1: she's just tried and just not given up. And she
Speaker 1: built a following on social media via her personality, and
Speaker 1: this was just the amazing product and people have taken
Speaker 1: to it. I mean they I've heard like really great
Speaker 1: things about the product. I mean, it looks beautiful. And
Speaker 1: just to see someone a million dollars, I mean, I
Speaker 1: don't know what, like, I don't know honestly what beauty
Speaker 1: brands normally do, because I you know, it's not like
Speaker 1: Sephorest post their numbers. But I mean that's tremendous, and
Speaker 1: I mean I definitely have seen some distractors and haters
Speaker 1: that are like she didn't said at but then she
Speaker 1: showed her numbers, and really what it was. It was
Speaker 1: like she had thirty five thousand people ordered. And so
Speaker 1: if you think about thirty five thousand, if thirty five
Speaker 1: thousand people bought let's just say ten dollars, not even
Speaker 1: ten dollars, what is it thirty five thousand they bought
Speaker 1: one hundred dollars worth and not even a hundred. They
Speaker 1: didn't have to spend that much. Were fifty dollars worth
Speaker 1: of stuff? Not even fifty If they bought like thirty
Speaker 1: dollars worth of stuff, thirty five thousand and thirty dollars
Speaker 1: worth stuff and thirty dollars is not much. That's like
Speaker 1: three of her items. That's that's over a million dollars
Speaker 1: right there. So it was just and she has one
Speaker 1: point two or three million followers, so she's got like
Speaker 1: these really great numbers. But you can have numbers and
Speaker 1: not convert. But so if anybody needs like a if
Speaker 1: you're an entrepreneur and you kind of need like a
Speaker 1: social pick me up, go to Supercents Instagram. And then
Speaker 1: I just been watching interviews about her all over and
Speaker 1: just kind of like learning her story of how she
Speaker 1: started off as a as a single mother and a
Speaker 1: waitress not too long ago, and just wanting more. So
Speaker 1: she tried so many different things until she found the thing.
Speaker 1: So it was just she's so regular regular, you know.
Speaker 1: I just love that. And so yeah, it's really really
Speaker 1: inspiring cool.
Speaker 2: Where's she based or where's how did you come to
Speaker 2: find out about the company?
Speaker 1: I you know what I found out. I had heard
Speaker 1: about supercent before because she's also like really funny. She's
Speaker 1: like like on on ig So sometimes I see like
Speaker 1: people would repost clips of her. She's very nola, Like
Speaker 1: she's got a really heavy Nola accent, and she she
Speaker 1: has this thing called asked Supa where you can ask
Speaker 1: her any questions she answers it, and so she's funny
Speaker 1: in general. So I've seen like kind of clips of her.
Speaker 1: And then I heard of Crayon Case. And when I
Speaker 1: really got acquainted was when I went to Essence Fest
Speaker 1: last year and they Crayon Case had a had a booth, Mandy.
Speaker 1: When I tell you the line for that booth, I
Speaker 1: mean you would think that Beyonce was like selling like,
Speaker 1: you know, cookies or something, because I remember thinking like,
Speaker 1: what is this the line? Like there were all of
Speaker 1: these booths. You know, Essence has hundreds, if not thousands
Speaker 1: of booths in there in their big, big like kind
Speaker 1: of like I guess it's a conference room or whatever
Speaker 1: expo center. But it was the only both that had
Speaker 1: a line that almost just going and going and going.
Speaker 1: And I remember being like, Oh, is that Crayon Case
Speaker 1: And because that had a really nice setup and I
Speaker 1: was like, oh, I heard I heard vainly about that makeup,
Speaker 1: and I remember thinking the packaging was cute. So like,
Speaker 1: if that line is any indication, I'm not surprised, honestly. Yeah,
Speaker 1: she's done an amazing job of marketing and and you
Speaker 1: should see, like she had video where she's taking you
Speaker 1: through her warehouse. She's hired mostly family and friends, and
Speaker 1: people were like, well, that's growth, not that we know.
Speaker 1: Sometimes I'm just like, don't you. Sometimes I just want
Speaker 1: to tell people like that's fine.
Speaker 2: I mean, we get people have a win. I know,
Speaker 2: let people just celebrate, you know.
Speaker 1: Yes, because I mean, I mean I don't know about you.
Speaker 1: But a million dollars gross in ninety minutes and they
Speaker 1: ran out. That's why it would have been more. She
Speaker 1: didn't anticipate selling as much, or she didn't have like all,
Speaker 1: you know, she in her warehouse, she didn't have enough
Speaker 1: to accommodate like everyone. But maybe it would have been
Speaker 1: three or four million. But yes, we know it's gross.
Speaker 1: We know there's shipping, we know there's product, we know
Speaker 1: there's there's staff, we know all of that. But I
Speaker 1: honestly don't know too many businesses from brown women who
Speaker 1: used to be waitresses just a few years ago in Louisiana,
Speaker 1: single moms who who sell a million dollars worth of
Speaker 1: product in ninety minutes. I mean, if you if you
Speaker 1: know where they are let me know, you know. So, yeah,
Speaker 1: I just thought she was amazing, so I thought she's
Speaker 1: my win for the week.
Speaker 2: That's lovely. Well, I wish I had supported some small
Speaker 2: businesses all my furniture shopping. Now maybe that's why I
Speaker 2: feel bad. Uh dope, Well, I want to do a
Speaker 2: quick boost for I know everyone's been talking about well
Speaker 2: two actually one, you have to go see the movie
Speaker 2: Widows if you haven't yet. It's an amazing movie with
Speaker 2: like a majority minority female cast who are like badass.
Speaker 2: I don't even know how to describe, like a heist
Speaker 2: movie mixed with like a political thriller. It's got Viola Davis,
Speaker 2: Michelle Rodriguez, Cynthia Rivo. It's really really good.
Speaker 1: You know, she's a wave, Cynthia Rivo, she's in our
Speaker 1: ways with Epic and Volta.
Speaker 2: I know, yeah, you've talked. I know, I know, I
Speaker 2: know you got connects. Yeah, it was really really amazing
Speaker 2: and it was directed by the same director from Twelve
Speaker 2: Years a Slave. I think that was like his first
Speaker 2: or second movie since Twelve Years a Slave, and it
Speaker 2: couldn't have been more different. So if you're going out
Speaker 2: to see Creed, go see widows too, maybe first because
Speaker 2: they need some support. Secondly, I know everyone's been talking
Speaker 2: about Michelle Obama's book, but if you haven't like people
Speaker 2: maybe talking, but like actually read the book, it's really
Speaker 2: really good. I haven't actually read it. I've been listening
Speaker 2: to the audio book, which I recommend, because something about
Speaker 2: Michelle Obama telling you her life story was just like
Speaker 2: the therapy I didn't know that I needed. And I
Speaker 2: joked about it being therapy, but legit, I don't know
Speaker 2: something about her stories everything, like and I'm not really understanding.
Speaker 2: We know, I knew of of Michelle, like you know,
Speaker 2: surface level from what I heard in the news and everything,
Speaker 2: but like actually hearing how she grew up in Chicago,
Speaker 2: how she found her way into law school, how she
Speaker 2: realized how unhappy she was in the legal profession. It
Speaker 2: was just really refreshing to hear, even that she had
Speaker 2: doubts in her twenties. So if you need like pick
Speaker 2: me up or you need you need to like hear
Speaker 2: a story from a big sister or an auntie about
Speaker 2: how they sort of dealt with the on the insecure
Speaker 2: years of their life. I was really I'm just like
Speaker 2: surprised how open she is in her book, so really
Speaker 2: really recommend it. I love the audiobook because it's actually
Speaker 2: her telling her story, and her voice is just lovely,
Speaker 2: and she even sings a little bit. It's nice and
Speaker 2: she does just like a tiny bit.
Speaker 1: I don't know.
Speaker 2: It's sweet. And she tells a story even of how
Speaker 2: her her dad passed away and actually was literally crying
Speaker 2: on the train, which I don't really do listening to
Speaker 2: audiobooks ever, but you can tell she put everything into
Speaker 2: this book and it's really amazing. So go get your copy.
Speaker 2: There's a reason it's sold like close to a million copies.
Speaker 2: It's first week. It's that good. It's the anti Trump,
Speaker 2: So pick it up if you haven't yet.
Speaker 1: No, that that's just warms my heart. I'm like, yes,
Speaker 1: I'll here slang for the.
Speaker 2: Gold perfect seguay for questions? Did I get it that time?
Speaker 2: Did a good segue?
Speaker 1: Oh yeah, maybe it's a perfect seu. I'm like, let
Speaker 1: me see if maybe going do this this transit.
Speaker 2: You I pulled the train around? Got it? All right?
Speaker 2: We do have some great questions from our listeners today.
Speaker 2: Let's start with a light one. Let's see a little
Speaker 2: light and fun one. Okay, so for the holidays, maybe
Speaker 2: not light and fun. Maybe it's light and fun to me,
Speaker 2: but this question. This comes from a listener who wants
Speaker 2: to remain anonymous, but is wondering about using prepaid cards
Speaker 2: for her holiday shopping. Okay, she says, I have a
Speaker 2: question regarding prepaid cards. Through the year, I saved money
Speaker 2: for the holidays to use for my holiday related expenses,
Speaker 2: but I don't like to mix my holiday money in
Speaker 2: with my regular money. I'd like to know if I
Speaker 2: should use a prepaid card and would you recommend any
Speaker 2: particular prepaid card for my holiday spending? Anonymous, very mysterious.
Speaker 2: This is a smart idea because with prepaid cards you
Speaker 2: basically load money. It can be a smart idea if
Speaker 2: you choose the right one. So it's good that you're
Speaker 2: asking for recommendations. A prepaid debit card if you load
Speaker 2: money onto it, and then you can use it same
Speaker 2: as cash or same as a same as a debit
Speaker 2: card basically, or even a credit card. You swipe it
Speaker 2: at the register, and as long as you've got sufficient funds,
Speaker 2: you know it'll debit your prepaid account, and if you
Speaker 2: want to keep your it's a nice way to budget
Speaker 2: if you want to keep money separately, like this listener
Speaker 2: says she wants to keep money separately. Where you can
Speaker 2: get into trouble though, is prepaid cards. You know, unlike banks.
Speaker 2: They have you know, not unlike banks, but just like banks,
Speaker 2: they need to make money somehow, and often how they
Speaker 2: do that is by charging fees. And some of these
Speaker 2: cards will charge you a fee if you put money
Speaker 2: onto the card, like a reload fee. They'll obviously charge
Speaker 2: you ATM fee. If you use ATMs that are out
Speaker 2: of their network. They may charge you to replace a
Speaker 2: card if you lose it. For example, they may charge
Speaker 2: you a monthly service fee. So you really have to
Speaker 2: be careful and choose a card that has very few
Speaker 2: fees if you're looking for a card. And I don't
Speaker 2: know if you have any anything else to add, but
Speaker 2: I did pull up like credit Karma dot COM's got
Speaker 2: a good roundup of its best prepaid cards for twenty eighteen.
Speaker 2: So I was just going to read off a couple
Speaker 2: of their recommendations.
Speaker 1: So you can also join like they have those qrits.
Speaker 1: But no, go ahead, I think this is this is better.
Speaker 2: Well yeah, Bank Christmas Club. Yeah, so obviously when you're
Speaker 2: looking for a prepaid card, you want to look for
Speaker 2: a card that's going to be accepted at most places
Speaker 2: where you shop, so make sure that it's you know,
Speaker 2: issued by an issue where that's largely accepted. You also
Speaker 2: want to make sure it has low fees, so look
Speaker 2: for a card that has no monthly fee, you know,
Speaker 2: doesn't charge you high fees for ATM, or any fees
Speaker 2: at all is even better. So some of the best
Speaker 2: cards on Credit Karma's list are the Bluebird prepaid card
Speaker 2: by American Express. There's even a card they recommend that
Speaker 2: offers rewards on your spending, the American Express Serve Cash
Speaker 2: Back Card. I haven't used any of these cards in particular.
Speaker 2: These are Credit Karma's recommendations, and they've got a whole
Speaker 2: methodology here. I'll put the link in the show notes.
Speaker 2: Best card that has free reloads they mentioned Chase Liquid Card.
Speaker 2: There's also a PayPal prepaid master card that they recommend.
Speaker 2: So Google, you know, Google is your friend when you're
Speaker 2: looking to compare prepaid card offerings out there, because there's
Speaker 2: a there's a bunch out there, but not all of
Speaker 2: them are as good as some.
Speaker 1: Yeah, and then too like I mentioned earlier like sometimes
Speaker 1: banks have Christmas clubs. It sounds very old school, but
Speaker 1: basically you set aside your money every month into like
Speaker 1: a special money market or savings account, and they call
Speaker 1: it a Christmas club because at the end of the
Speaker 1: you know you had a little bit of interest. But
Speaker 1: at the end of the year or near nearing when
Speaker 1: it's time to go holiday shopping, you know you're able
Speaker 1: to take your money out and then use it to
Speaker 1: shop for the holidays, knowing that it was safely tucked
Speaker 1: away from you. So it's a little harder to get
Speaker 1: your money than like a regular savings account typically for
Speaker 1: Christmas clubs, because that's the point you wanted to make
Speaker 1: it kind of inconvenient, So that's an option as well too.
Speaker 2: Exactly. Well, hopefully that helped, And if you guys have
Speaker 2: any other holiday spending tips you want to share, let
Speaker 2: us know. I think it's smart to keep your at
Speaker 2: least keep your budget separate so you're not mixing your
Speaker 2: money and not having any ease, making it easier to
Speaker 2: like dip into your savings for holiday spending. So good question, easokly,
Speaker 2: another question, ooh, auto refinancing. This question comes from listener, Jackie.
Speaker 2: She says, I'm considering refinancing my car and would love
Speaker 2: to hear your thoughts. Here's my scenario. I've got a
Speaker 2: car at fifteen point one eight percent. That's a very
Speaker 2: high APR. Geez, fifteen percent APR. Currently working on getting
Speaker 2: my credit score in the seven hundred range, but currently
Speaker 2: I'm at six p nineteen. It's a work in progress.
Speaker 2: I want to make the best decision without worsening my score.
Speaker 2: I've checked and I've seen that I can maybe get
Speaker 2: a lower interest rate that shows a six point nine
Speaker 2: percent APR and a four hundred dollars monthly car payment
Speaker 2: as an option. But I want to know if that's
Speaker 2: the best I can do right now. Will refinancing actually
Speaker 2: help or hurt my credit score? And she just adds
Speaker 2: that she has twenty four thousand dollars left on her
Speaker 2: auto loan. Twenty four thousand dollars at fifteen percent. Ooh girl, yes,
Speaker 2: refinance even as possible, as soon as possible. I'm going
Speaker 2: to go at a limb and guess that when she
Speaker 2: got this loan, she did not shop around for financing
Speaker 2: before she got the loan. She probably got it straight
Speaker 2: from the dealership. Yes, which is the worst thing you
Speaker 2: can do.
Speaker 1: I was just gonna say. I saw someone post that somewhere.
Speaker 1: They're like one of the dream catchers, like, hey, I'm
Speaker 1: gonna go get a car. Should I Should I get
Speaker 1: on my own loan or should I get from the dealership?
Speaker 1: I nearly leapt through the computer was I do? Because
Speaker 1: you got to get the worst interest you know, always, always, always,
Speaker 1: even if you don't have great credit, always come with
Speaker 1: your own financing. And that's just as simple as like,
Speaker 1: you know, going to your bank or better you're going
Speaker 1: to your credit union and saying I want to purchase
Speaker 1: a car, because you're almost always going to get a
Speaker 1: better interest rate than what the car dealership is going
Speaker 1: to give you there they're going to give you the
Speaker 1: worst interest rate possible. So if you come with your
Speaker 1: own financing and say no, I've got my financing from
Speaker 1: my credit union, you're going to be better off. But yes,
Speaker 1: please refinance. And there are some credit unions now that
Speaker 1: even if you haven't been a member for a very
Speaker 1: long time, you can literally sign up that day and apply.
Speaker 1: So if your credit is recent, if you don't, if
Speaker 1: you're not a member of a credit union. And the
Speaker 1: reason why I say credit unions first is because most
Speaker 1: credit unions are nonprofits, and what that means is that
Speaker 1: their interest rate is typically lower than a regular bank
Speaker 1: because their focus is not squeezing as much profit as possible.
Speaker 1: It's just about running the business, making enough to run
Speaker 1: the business, so they offer you better interest rates. So
Speaker 1: trying a credit union seeing if they will loan you
Speaker 1: the money or help you refinance your current paying it
Speaker 1: off that way. I mean, unless your credit is like really, really,
Speaker 1: really bad, I'm almost positive you could do better than
Speaker 1: fifteen percent someplace else.
Speaker 2: Yeah, she just got a six nineteen, so it's not good,
Speaker 2: it's not even great. It's it's like in the fair
Speaker 2: maybe poor category. I think six twenty is like the
Speaker 2: ceiling to where you get into fair credit category. But
Speaker 2: you're close. So the worst thing you can do is
Speaker 2: miss a payment, So keep making your payments. And I
Speaker 2: think tip's right with port with credit on the borderline
Speaker 2: like that, credit unions make a lot of sense and credit,
Speaker 2: you know, refinancing, you'll you will have a hard inquiry
Speaker 2: on your credit to see if you get approved. But
Speaker 2: I think the benefit in the long term is way
Speaker 2: far outweighs the ding to your credit temporarily. I just
Speaker 2: did it quick. You can look up online refinance or sorry,
Speaker 2: auto loan calculators where you can see how much interest
Speaker 2: you'll pay. And I'm assuming that you've got forty eight
Speaker 2: months left on your on your fifteen percent auto loan.
Speaker 2: At twenty four thousand dollars, you're going to spend over
Speaker 2: eight thousand dollars in total interest if you keep this
Speaker 2: loan as it is. So Really that twenty four thousand
Speaker 2: dollars car is like thirty two thousand dollars. So you
Speaker 2: want to get a lower rate as soon as possible.
Speaker 2: And I think, Tiff, that's good advice. Yeah, going to
Speaker 2: your credit union. Thank'd me for more close.
Speaker 1: Yeah, you want to do what you want to do?
Speaker 1: One more? You think we're a.
Speaker 2: Good Yeah, let's do one more question. This is anonymous Unamas, Unamas,
Speaker 2: why not? Three's a good number? Okay? This is another
Speaker 2: anonymous question, she says. This is another anonymous question. She says,
Speaker 2: I'm in the process of divorce, so I decided to
Speaker 2: take a little more interest in my credit in the past.
Speaker 2: In the past, I paid a lot of money to
Speaker 2: have some items deleted off my credit report. To me,
Speaker 2: it was a waste of money and nothing was done. Okay,
Speaker 2: this is bandy. I think that she's she's saying that
Speaker 2: she hired like a credit repair form firm or something. Okay,
Speaker 2: so she's paid a lot of money to have some
Speaker 2: items deleted off her credits. So now she says, as
Speaker 2: of October, I sent a letter to Macy's, Sally May,
Speaker 2: and Naviant to get deleted items off my credit report.
Speaker 2: Macy's was paid in full, and sally May, Slash Naviant
Speaker 2: failed to report the payments I made every month to
Speaker 2: the credit bureau. These items are shown as closed on
Speaker 2: my credit report. How can I have these items deleted
Speaker 2: off my credit report? Don't? Don't. So this is a
Speaker 2: bit confusing. It seems like she's had You can't get
Speaker 2: items deleted off your credit report unless they're errors, right,
Speaker 2: unless they're inaccurate.
Speaker 1: Yeah. I don't know where that came from. That. I
Speaker 1: think it's like, you know, how like all these people
Speaker 1: are like credit experts now or not credit experts, but
Speaker 1: like literally they you know, people are fixing credit like
Speaker 1: that's like the new thing, Like that's the new cutcoa
Speaker 1: knives and like MLM, yeah, you know. But like I'm
Speaker 1: like when Dreamcatchers said that, they're like, oh girl, so
Speaker 1: I was late. How I get that off my credit
Speaker 1: I'm like, did it? Is it true? Yeah? Well it's
Speaker 1: not of at all. Like it's like saying, oh, I
Speaker 1: got a D on my on my test? How do
Speaker 1: I get that off my report card? Well did you
Speaker 1: get a D? Yeah? Well it's a D. I mean
Speaker 1: you can, you can certainly now it is possible to
Speaker 1: beg your teacher. And if I do this, this and this,
Speaker 1: can we turn into a C and your teacher might
Speaker 1: have mercy on you and say okay, but they're under
Speaker 1: no obligation to do so. Same thing with your credit.
Speaker 1: So if you've done something, we've all made mistakes that
Speaker 1: I've been late before. Shoot, they took my house. I
Speaker 1: was so late. So but did my house go into foreclosure? Yes?
Speaker 1: It is foreclosure on my credit report? Yes, did it happen. Yes.
Speaker 1: When you dispute, you're really supposed to be disputing things
Speaker 1: that are not true, not things that are true that
Speaker 1: you just don't like. And so like yeah, like if
Speaker 1: I mean, like I said, sometimes you can convince the
Speaker 1: creditor that you owe that if you, you know, make
Speaker 1: reparations or you make certain payments or whatever, that they
Speaker 1: can sometimes withdraw things, but they're under no obligation to
Speaker 1: do so. Honestly, it's because it's true.
Speaker 2: So yeah, and it sounds like she's talking about these
Speaker 2: accounts being closed now, so why are they still on
Speaker 2: my credit Well, I'm what I'm assuming is that she
Speaker 2: miss payments in the past, and even though you've paid
Speaker 2: off the debts by now, those missed payments, if it's
Speaker 2: within seven years, we'll stay on your credit report until
Speaker 2: the seven year mark and then they'll drop off. Even
Speaker 2: I'm an account's closed, it'll stay in your credit report,
Speaker 2: I think for the full seven years.
Speaker 1: Right, Yeah, I mean typically, But here's the thing too, that,
Speaker 1: like your things that are on your credit report, it's
Speaker 1: really the last two years that make the most impact
Speaker 1: on your actual score. So will it be on your
Speaker 1: credit report, yes, Will it affect your score after two
Speaker 1: years not as much, so, you know, I tell people
Speaker 1: like it typically it's only when like someone's pulling up
Speaker 1: your score and judging you according like like you know,
Speaker 1: your mortgage person is likely gonna look. But ultimately people
Speaker 1: are looking at your score so just you know, moving forward,
Speaker 1: make the best decisions you can possible with your finances,
Speaker 1: especially as it relates to credit. And you know, within
Speaker 1: a year or two you should you should be back
Speaker 1: where you were or better than before.
Speaker 2: Time is your friend. People don't want to hear that
Speaker 2: time is what it takes to heal all wounds. But
Speaker 2: it's so true. Give yourself time. But at least you're
Speaker 2: paying attention now. But don't just be careful about trusting
Speaker 2: anyone who says they can have something deleted off your
Speaker 2: credit report and just promise that upfront because it may
Speaker 2: not be the case.
Speaker 1: Yeah, I agree.
Speaker 2: All right, Well, thank you guys for another week. Thank you.
Speaker 1: Yes, it has been awesome us for you.
Speaker 2: Where has the year gone? It's almost December? I can't
Speaker 2: I know.
Speaker 1: I feel like it's both slow and fast, you know.
Speaker 1: Oh I didn't share this, so for everybody knows we do.
Speaker 1: Oh I'm going to miss you on this literature challenge, Amanda,
Speaker 1: but hey, you can always pop in if you'd like,
Speaker 1: so everyone knows that we do. I do the Liverature
Speaker 1: Challenge every year and have a new subject every year.
Speaker 1: Last year was networth, the year before was credit, which
Speaker 1: I did with Mandy and Credit and the Magnifi Money
Speaker 1: which was super fun. So our upcoming year is the
Speaker 1: Home Buying Edition. I'm super guided because so many people
Speaker 1: you know, want to purchase home. So I said, well,
Speaker 1: what if I created a challenge that kind of walked
Speaker 1: you through less so about credits. We've done credit and
Speaker 1: not even so much about savings, but just the home
Speaker 1: buying process, like what can you ex expect, what kind
Speaker 1: of documents do you need to get together? Who do
Speaker 1: you need to have on your team? And so the
Speaker 1: Liverate your Home Buying Edition is it's going to teach
Speaker 1: you all that and as usual, it is free. All
Speaker 1: the challenges are always free. It's my way of giving
Speaker 1: back every year. And so if you like to sign up,
Speaker 1: you can go to l r C for Liverature Challenge
Speaker 1: home Buying dot Com that's l r C Home Buying
Speaker 1: dot Com and sign up and get walked through step
Speaker 1: by step into three week online free course where every
Speaker 1: day you get an email in your inbox that leads
Speaker 1: you to that they tip and task and they collectively
Speaker 1: will have you ready to purchase a home, or at
Speaker 1: least the knowledge to purchase a home I'm in twenty
Speaker 1: two days, so I'm excited.
Speaker 2: Oh that's perfect. Wait, why can't I be a part
Speaker 2: of it?
Speaker 1: No, you can. I just say, you know, well, you well,
Speaker 1: I'm just saying I would love to have you because
Speaker 1: I remember we had so much fun when we remember
Speaker 1: we used to do the weekly the weekly.
Speaker 2: Video lives about it.
Speaker 1: So now, yeah, if you love to come on. Honestly,
Speaker 1: I just I love the different perspectives. So I think
Speaker 1: that I if you want to come and like do
Speaker 1: a live lesson, we could meet up someplace and like
Speaker 1: for one of the tasks. I would love that. Honestly,
Speaker 1: I'm trying to get as many of my friends who've
Speaker 1: purchased homes or who are in the process to do so,
Speaker 1: because everyone's process is kind of different, and so it's
Speaker 1: nice for people to see themselves and like, oh that
Speaker 1: was me, Like you had a really smooth process. Drina
Speaker 1: congratulations just closed on her home and it was not
Speaker 1: smooth at all. My process. It was rocky. But she
Speaker 1: closed and so she was like, because she's an because
Speaker 1: she's an entrepreneur, the process was totally different, yes, and
Speaker 1: it was like, well, child, she was like, but this
Speaker 1: is crazy. We need this. We need your blood type,
Speaker 1: we need the last hair that fell from your home.
Speaker 1: We need and she was like, I almost she wanted
Speaker 1: to walk away so many times. And me, you know,
Speaker 1: since I bought my home in cash, that was a
Speaker 1: totally different process. So yeah, if you want to, you
Speaker 1: want to come and do a live video lesson with me,
Speaker 1: I'd love that.
Speaker 2: You can say, no, I did kind of put you
Speaker 2: on blast and had asked you publicly I witnesses, but
Speaker 2: thank you.
Speaker 1: No, I I love that. I think you're like, yes,
Speaker 1: do we do we have a home, And maybe I'll
Speaker 1: put the around a mission like I know, we had
Speaker 1: one where we talked about our homes like a lot,
Speaker 1: so maybe I'll put that.
Speaker 2: In its like every episode.
Speaker 1: No, but there was one in particular where we love
Speaker 1: talked about it like that whole time, So maybe I'll
Speaker 1: put that in. It's like required listening. So yeah, so
Speaker 1: you guys, you know, if you want to sign up
Speaker 1: for the home Buying edition, we'd love to have you.
Speaker 1: L RC Home Buying, do come and I will see
Speaker 1: you at the house for me