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Speaker 1: Mandra, Do you know what I need? I need to

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Speaker 1: walk in these streets in my BA swag. You know

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Speaker 1: what I'm really looking forward to? First of all, be

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Speaker 1: your own Brown Boost. What an awesome phrase. I cannot

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Speaker 1: wait to wear that on my chest like Superman. And

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Speaker 1: what I'm really excited for, though, is I am a

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Speaker 1: sweatshirt and like hoodie girl. So the classic Brown Ambition

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Speaker 1: logo sweatshirt has my name.

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Speaker 2: All over it. But where can I go? Where can

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Speaker 2: I find it?

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Speaker 3: I was hoping you would ask Young Tiffany. Tiffany, get

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Speaker 3: your Brown Ambition swag at Brown Ambitionstore dot com. Five

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Speaker 3: years in the game, we finally have merch for you guys.

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Speaker 3: So get your Brown Ambition hoodie, your Brown Ambition crew

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Speaker 3: neck tea, get a onesie for your littles. We got

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Speaker 3: toddler teas. Oh my goodness, there's something for everyone. Be

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Speaker 3: your own Brown Boost T shirt for sure. We have

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Speaker 3: a Brown Ambition mug, which my family is most excited about.

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Speaker 3: I had to do the fifteen out size for my

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Speaker 3: big sister because she drinks coffee Like nobody's business.

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Speaker 2: Oh, you know on the budget needs to write any

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Speaker 2: special offer.

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Speaker 3: Oh I'm also very glad you asked that question, Tiffany. Yes,

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Speaker 3: with Brown Ambition fifteen, that's promo code Brown Ambition fifteen

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Speaker 3: all one word, you can get fifteen percent off your

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Speaker 3: order at Brown ambitionstore dot com.

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Speaker 1: I can't wait to see y'all in these BA streets

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Speaker 1: repping ba bam with your BA swag.

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Speaker 2: Hey, hey, hey we're back. We're black, We're black. I

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Speaker 2: did that for for Rio, Sirio.

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Speaker 3: Hey weo.

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Speaker 2: Hey managine that was for real. Yes, that was thank you.

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Speaker 3: I'll let him know. I'll let him know. Oh my god.

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Speaker 3: I was thinking we should do like a like a

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Speaker 3: star spangled banner version of our intro because I feel

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Speaker 3: I just am so excited for the election, and I like,

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Speaker 3: my dad was giving me live updates from the Atlanta

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Speaker 3: polls today.

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Speaker 2: Okay, how.

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Speaker 3: Well, I'm really impressed by Atlanta because they let you

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Speaker 3: vote so early. We can't vote early in New York

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Speaker 3: until the week before the general election. But yeah, so

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Speaker 3: he he said. It was a long line. I think

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Speaker 3: he was there for four hours or so, and he

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Speaker 3: was sending me video updates. And I will say everyone

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Speaker 3: was like socially distanced. I saw a lot of masks

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Speaker 3: and it just made me feel so good because I've

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Speaker 3: been stressed out the last week and a half because

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Speaker 3: I guess I took for granted that everyone feels this

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Speaker 3: real urge to vote and exercise their right to cast

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Speaker 3: their ballot for elected officials, because like, I'm not gonna lie,

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Speaker 3: Like I guess there's a lot of you know, my

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Speaker 3: family in Atlanta, a lot of my dad's family. They

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Speaker 3: I can't blame them, right, They don't trust government, they

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Speaker 3: don't trust politicians. They say, no matter what we do,

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Speaker 3: nothing changes. Black bodies are still being murdered by people

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Speaker 3: and you know, wearing uniforms and it's completely sanctioned and

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Speaker 3: nothing ever changes, and like and I and I get it,

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Speaker 3: but I just thought, because I've I've seen my cousins

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Speaker 3: go to like protests and talk about what's happening with

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Speaker 3: Black Lives Matter and all that. But I started to

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Speaker 3: get the sense that they weren't like registered, And I

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Speaker 3: might have gone a little extra, but I feel really,

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Speaker 3: I felt really compelled to do what I could to

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Speaker 3: try to get them to at least register. And the

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Speaker 3: deadline was the was the first week of October. And

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Speaker 3: I might have gone a little overboard, but I was

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Speaker 3: like texting and then I the good thing is that

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Speaker 3: anyone can do this. You can go to your state's

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Speaker 3: Board of Election site, and Georgia has a cool site

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Speaker 3: where you can like check to see if you're registered,

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Speaker 3: and you just need your date of birth and it'll

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Speaker 3: tell you. It'll tell you actually are you registered, and

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Speaker 3: the status if you've if you've mailed in a ballot request.

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Speaker 2: I saw. I love that.

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Speaker 3: Yeah. And my aunt, you know, she's older, she's disabled,

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Speaker 3: her husband's disabled. So she was and she was like

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Speaker 3: kind of offhanded, saying that she had mailed in her

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Speaker 3: request for a mail in or not mailed in. Sorry.

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Speaker 3: She submitted her request for a mail in ballot in

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Speaker 3: September and hadn't gotten her ballot yet, and it's just

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Speaker 3: like the smallest bit of information. She was thinking she

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Speaker 3: had to go to like the her local like I

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Speaker 3: don't know whatever local government office to check on her ballot.

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Speaker 3: And I was like, let me just go on the

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Speaker 3: internet really quick, give me your date of birth, let

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Speaker 3: me check for you. And I could see that they

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Speaker 3: had received it. I don't know why, but they received

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Speaker 3: it a whole entire month after she had sent it

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Speaker 3: and they had finally issued it this past week. Okay,

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Speaker 3: so it's her, It's on its way to her. And

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Speaker 3: then I could check my dad and I could see

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Speaker 3: that even though he requested a mail in ballot, they

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Speaker 3: said they had received it, but they hadn't sent his

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Speaker 3: to him or he hadn't received it. So he was like, look,

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Speaker 3: I'm just going to go stand in this line.

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Speaker 2: Good.

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Speaker 3: I sat. He did, Yeah, And I don't know that

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Speaker 3: I've been I was trying to, Like, I was thinking,

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Speaker 3: I'm just going to post for every single state what

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Speaker 3: the deadlines are. And I'm like, that's I can't do it.

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Speaker 3: But but if there's anybody, if if there's still time,

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Speaker 3: if there's still time to at least get people in

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Speaker 3: your life registered. You know, that's like the one if

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Speaker 3: we could have just gotten one friend to vote who

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Speaker 3: didn't vote in the last election, I think we would

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Speaker 3: be an entirely, entirely different different worlds. So I'm just like, ah,

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Speaker 3: please vote, Please be cynical after November fourth, yeah, remember third,

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Speaker 3: just be cynical the next day if you want to,

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Speaker 3: but please vote, please please please vote.

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Speaker 1: Well, I, like I said, I got my mail in

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Speaker 1: dall let's see filled it out yesterday, so me and

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Speaker 1: Superman too. Tomorrow I'm gonna find I don't want to

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Speaker 1: put in the mailbox. I'm gonna like, here where I live,

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Speaker 1: there are those boxes specifically for ballots. I'm going to

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Speaker 1: find one of those and take it in tomorrow so

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Speaker 1: I can loosaw. The day of the Supermom, super Girl's

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Speaker 1: mom came over. She's like, oh, you know, I didn't

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Speaker 1: get my in the mail and but I believe here

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Speaker 1: in Jersey we can actually go and pick one up.

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Speaker 2: So she said she's going to do that as well.

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Speaker 1: So it's just and then my sisters they still register

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Speaker 1: at my parents, So theirs came in because when I

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Speaker 1: went to visit my parents this weekend, I saw it

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Speaker 1: and I was like, okay, so you know, I picked

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Speaker 1: up my sisters and the ones who lived near me

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Speaker 1: and dropped it off to them.

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Speaker 2: So I'm not gonna lie.

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Speaker 1: I feel anxious but hopeful. I guess those are the

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Speaker 1: two emotions I feel about the upcoming election. I'm not

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Speaker 1: gonna take it because we you know, we were all

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Speaker 1: feeling so smug last time, like and I was like, wait, what,

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Speaker 1: so I don't you know I still feel anxious and

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Speaker 1: I'm just brace on.

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Speaker 3: I showed up in a pants suit to vote for Hillary,

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Speaker 3: pants suit and pearls, and I look at that photo

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Speaker 3: and I'm like, I just look, if only she knew

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Speaker 3: I know, only that poor man, you were brilliant.

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Speaker 1: But yeah, speaking of shady lately, I don't know if

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Speaker 1: you know, but this is just random, but not kind

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Speaker 1: of random.

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Speaker 2: I have been getting like some people.

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Speaker 1: I don't know, this is a new thing, but people

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Speaker 1: will have been like, hey, we want you to be

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Speaker 1: on our podcast or we want you to interview you,

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Speaker 1: and then they send me a release form that basically

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Speaker 1: says I own your life in perpetuity. One of the

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Speaker 1: release firm literally said something about to be able to

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Speaker 1: use it on any platform known to man in the universe.

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Speaker 3: I was like, the universe stout, you don't own it's

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Speaker 3: a song.

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Speaker 2: I just I don't know if that's a thing.

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Speaker 3: People don't read the fine print anymore.

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Speaker 2: Yeah, but it's been really crazy.

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Speaker 1: I was like, what, I'm just coming on to talk

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Speaker 1: about budgeting?

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Speaker 2: I don't so I've had to go in and say no.

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Speaker 1: Because one time I signed a contract I was doing

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Speaker 1: like a conference, like one of these online conferences.

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Speaker 2: I didn't think anything of it.

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Speaker 1: I was like, okay, the brand is sizeable enough and

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Speaker 1: signed in, did the webinar or whatever the conference and

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Speaker 1: it was great then, and I want to say six

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Speaker 1: months like eight months later, I was someone sent me

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Speaker 1: a screenshot was like, oh, I didn't know that you

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Speaker 1: do spokesperson work whatever for this brand.

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Speaker 2: I said, I don't.

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Speaker 1: They're like, oh, your pictures in an ad and I

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Speaker 1: was like, because I used their service and I.

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Speaker 2: Was like, hmmm, I didn't. I didn't sanction that.

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Speaker 1: So when I wrote them the service, yes, I wrote

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Speaker 1: them and I was like, hey, because I know some

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Speaker 1: people pretty high up, because they've been trying to recruit

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Speaker 1: me to do different things. I said, hey, I'm seeing

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Speaker 1: this ad. It makes me uncomfortable.

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Speaker 2: You know, I don't. I don't know what what what

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Speaker 2: is this?

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Speaker 1: This is not you know, I know we did like

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Speaker 1: a you know, a conference together, but this is not

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Speaker 1: what I agreed to.

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Speaker 2: And they're like, oh, no, worries, we can take it down.

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Speaker 2: I said okay, And then either the CEO or somebody

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Speaker 2: came and.

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Speaker 1: It was like, actually, when you signed you know, the release,

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Speaker 1: you did agree to this girl, when I tell you,

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Speaker 1: I was ready to flip over the table. I guess

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Speaker 1: he realized, you know what, I don't want to smoke,

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Speaker 1: because within moments he wrote back, was like, but you know,

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Speaker 1: will gladly take it down and blah blah blah. So

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Speaker 1: at tu he probably was right. I probably didn't fully

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Speaker 1: read the release, but bruh, you don't want me to

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Speaker 1: drag your service from six ways from Sunday because I

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Speaker 1: was fixing to be like, oh, not what we gonna do?

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Speaker 1: First of all, want I'm leaving the service too. I

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Speaker 1: will let everyone know you are the literal worst. So

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Speaker 1: I guess he thought about it because, literally, like I said,

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Speaker 1: within ten minutes he wrote back and said, but we'll

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Speaker 1: take it down, and they since paid me.

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Speaker 2: To work with them.

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Speaker 1: But yeah, I just just putting that out there for

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Speaker 1: all you creators and things like that.

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Speaker 2: Make sure you read your contracts.

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Speaker 1: Lately, typically the release will say something like, hey, we

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Speaker 1: can use your picture as it relates to this one thing,

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Speaker 1: but lately they've been really really crazy. When this one

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Speaker 1: said anything in the universe, I'm like, who wrote this wit?

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Speaker 3: It literally said that, yes, that just covers like if

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Speaker 3: there's life on Mars and they want to put a

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Speaker 3: billboard up. I was like, the universe, they're gonna be

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Speaker 3: watching your ads on the Tesla cabs to the movie.

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Speaker 2: Oh my gosh. So yeah. I mean well, like I said,

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Speaker 2: it was literally like, hey be on my podcast.

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Speaker 1: I'm like, well, why don't we need to give you

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Speaker 1: Why do I need to give you ownership of my

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Speaker 1: of my likeness forever and ever and ever on Mars

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Speaker 1: as well. So, just being min Fi, I just thought

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Speaker 1: that was like randomly like this a little business funny,

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Speaker 1: but not so funny because you want to make sure

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Speaker 1: you read carefully, if you don't understand to ask questions,

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Speaker 1: you know, if you can't afford an attorney.

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Speaker 2: So yeah, there's that. So I just hat to share that.

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Speaker 3: Oh well, that's I mean. It reminds me of like

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Speaker 3: when you see stars in Hollywood kind of get bigger

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Speaker 3: and then a studio that they worked with like ten

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Speaker 3: years before the movie never got released. All of a sudden,

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Speaker 3: it'll be on like straight to video or be released

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Speaker 3: in theaters. They're trying to capitalize. So yeah, read that

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Speaker 3: vibe right y'all. M h, what else, what's going on?

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Speaker 3: I've recruited my mother to help me hire a nanny, okay,

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Speaker 3: which actually, you know, my mom's retired and I'm like, hmm,

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Speaker 3: you got some free time. Let me tell you how

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Speaker 3: little time I have. It's like, I really really need childcare.

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Speaker 3: And we've been like, you know, we've been cobbling in

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Speaker 3: together between mother in law and between a neighbor's daughter

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Speaker 3: in the neighborhood, who's sweet. But you know, to have

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Speaker 3: someone who you can consistently rely on the hours you

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Speaker 3: need them anyhow, So thanks shout out to my mama,

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Speaker 3: and if y'all have any tips on vetting a childcare

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Speaker 3: and a childcare worker in a pandemic, like I'm it

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Speaker 3: has to happen. I just can't keep telling myself like this,

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Speaker 3: this really needs to happen. This tiny human is like

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Speaker 3: a tiny hurricane, really really really cute hurricane. But yeah,

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Speaker 3: it's it's next level now.

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Speaker 1: Yeah, I mean, well, I'll have to say as far

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Speaker 1: as like on the teacher, and you're definitely gonna like

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Speaker 1: see if someone has like first aid, like you know,

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Speaker 1: a certification things like that, you know. Yeah, and it

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Speaker 1: also too like one thing that when I was a

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Speaker 1: teacher was that we we would have to get a fingerprinted.

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Speaker 2: So that's always like a nice like added level.

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Speaker 3: Well like care dot com has a background check and

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Speaker 3: then you can do additional ones. I think, well, the

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Speaker 3: thing is my mom. I'm gonna I hope that she's

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Speaker 3: gonna do like virtual interviews because for me, I just

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Speaker 3: want them to be fun, like I just want them

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Speaker 3: to have a fun personality and to cause I you know,

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Speaker 3: I try and coach whoever is hanging out with the baby.

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Speaker 3: It's like, you need to be silly, af you need

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Speaker 3: to put on a show. You are a theater production

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Speaker 3: and you need a new play every ninety seconds. Okay,

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Speaker 3: that is the challenge and that's why it's so exhausting.

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Speaker 3: But you just have to have just be as funny

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Speaker 3: as possible. I just wanted to know that he's up

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Speaker 3: there having fun and not bored. I don't know why that,

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Speaker 3: you know, matters to me so much. But you know,

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Speaker 3: anyone who's out there trying to vet daycare or whatever

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Speaker 3: going into this flu season, just bless you. I'm right

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Speaker 3: there with you.

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Speaker 1: Yeah, it's hard to vet, like just team members in general.

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Speaker 1: Like I was like, we want to I want to

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Speaker 1: do some rebranding and it's hard. Like I'm like for

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Speaker 1: both the budget Neista just colors and font and in

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Speaker 1: literature Academy and to find like it's so crazy, so

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Speaker 1: many people like brand strategies websites are coming soon.

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Speaker 2: I'm like, uh, what this is.

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Speaker 3: Where you get to show and so I'm like, we're

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Speaker 3: so busy doing other people's websits. We uh we'll get

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Speaker 3: back to our.

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Speaker 2: That's literally what it is.

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Speaker 1: So I'm just like, ugh, so I've been looking yet

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Speaker 1: because I want to, like I want to like, I

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Speaker 1: want to like, you know, revitalize the colors and fonts

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Speaker 1: and to have like a clear brand message.

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Speaker 2: And so you go on You're like, oh.

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Speaker 1: Yeah, this must be Bunjanisa because I recognize this font

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Speaker 1: in color combination and I have not had that in

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Speaker 1: a while. I mean, we've been managing with that, but

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Speaker 1: I'm like, come on now, Tiffany, it's time. I used

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Speaker 1: to be really conscious about it when I first started

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Speaker 1: the business, and then it kind of just fell off.

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Speaker 1: So if any y'all know somebody's shoe, I don't even know, Like,

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Speaker 1: y'all just be doing the most.

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Speaker 3: We have a person for our logo. Tip you want

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Speaker 3: me to give you out.

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Speaker 2: Yeah, No, that would be great honestly, because I know

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Speaker 2: it's great. No, No, that's right.

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Speaker 1: I would love because I just because it's not so much.

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Speaker 1: I don't need logo creation because we have good logos.

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Speaker 1: It's just color and font. I want to you know

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Speaker 1: what else a brand it's not a brand kit. What

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Speaker 1: are those things called? Like, it's like a brand meet guide,

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Speaker 1: brand brand guide. So when someone is creating something, let's

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Speaker 1: just say I was going to build a new website,

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Speaker 1: I can say here's my brand.

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Speaker 2: Guide, like the front guide. Yeah, yes, my style guide.

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Speaker 3: Yeah.

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Speaker 1: So so like for example, like when the book the

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Speaker 1: book cover for my book coming out next year, they

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Speaker 1: are like working on the cover and they were asking

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Speaker 1: me that I have a style guide and I was

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Speaker 1: like no, but I like these thoughts, you know, So

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Speaker 1: it would have been nice, you know, to have some

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Speaker 1: cohesive thing to say this is you know, this is

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Speaker 1: what I I typically lean towards.

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Speaker 3: So yeah, I will hook you up. That's exactly what

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Speaker 3: our are. I don't even know what to call him.

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Speaker 3: He's actually my husband's good friend from college and he

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Speaker 3: designed logos for banks and he is the mastermind behind

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Speaker 3: our and I love Brown logo and fond and he

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Speaker 3: even like, I remember when he was our most recent logo,

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Speaker 3: we kind of refreshed for the merch and brandimisionstore dot

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Speaker 3: com hashtag, used promo code, brand ambission fifteen and fifty

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Speaker 3: percent off your career anyway, So he he even was like, look,

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Speaker 3: I tried to find some styles that were made people

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Speaker 3: of color. Fir sorry, font fonts that were made but

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Speaker 3: designed by people of color, Like who thinks about was

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Speaker 3: the person who designed this font black or white? Who

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Speaker 3: were they? But he's, yeah, he's super thoughtful like that,

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Speaker 3: and yeah, shout out to Wan Lee if he's listening.

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Speaker 1: No, yeah, no, I'm for sure because yeah, some of

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Speaker 1: the things that have come in, I'm like, uh, where's

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Speaker 1: their sight? I can't tell what you do. I can't

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Speaker 1: tell that's good or not, you know, So yeah, that's awesome.

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Speaker 3: Okay, Well, now you got me thinking about twenty twenty

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Speaker 3: one because you told me. I know we can't talk

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Speaker 3: about on the show, but you got me excited about

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Speaker 3: something happening in twenty twenty one. I feel like I

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Speaker 3: need to force myself to look past November to what

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Speaker 3: there is to look forward to next year. I don't

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Speaker 3: know if big vacations are happening, but my one goal

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Speaker 3: is I'm going to see my big sister, Like I

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Speaker 3: really need to get some sister time. She has not

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Speaker 3: seen her nephew in a year, and I'm trying to

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Speaker 3: fit figure out. I don't know if I want to

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Speaker 3: like throw the baby in the car. I don't know

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Speaker 3: what to do. Bars So she's in Wisconsin. It's a

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Speaker 3: good I don't even know. I'm not going to Wisconsin.

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Speaker 3: I done told her, I'm like, you need to move.

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Speaker 3: I want to go to Wisconsin. I think it's like

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Speaker 3: seventeen hours listen, but we can't make it thirty minutes

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Speaker 3: in the car without him freaking out. And I have

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Speaker 3: to listen to the Elmo song for every one of

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Speaker 3: those thirty minutes. Okay, there's no way I will literally die.

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Speaker 3: I'd rather just take the risk and you know, fly.

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Speaker 3: But yeah, it's it's nonsense. Finally I had to see

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Speaker 3: my little brother, have seen my parents recently. But she's

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Speaker 3: just work, you know. Unfortunately, she works for one of

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Speaker 3: these companies that has such a limited PTO offering that

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Speaker 3: her vacation is just it's really hard for them to

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Speaker 3: take time off. So, but I'm gonna try and plan

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Speaker 3: something so that we can see each other in twenty

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Speaker 3: twenty one.

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Speaker 2: That's yeah. Now, more than ever you realize how just

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Speaker 2: how important family is.

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Speaker 3: Amen, sis a friend? Alright, Well, anything else happened in

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Speaker 3: the news or should we take a quick break and

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Speaker 3: come back fus? Question I think is question. I'm excited

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Speaker 3: for today's questions. I spent a lot of time combing

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Speaker 3: through the inbox yesterday and DMS and email and all

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Speaker 3: that jazz, and I found a couple husband themed ones

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Speaker 3: that I think we want to answer. So come back

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Speaker 3: for the tea, y'all. Okay, guys, we are back to

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Speaker 3: answer your questions again. You can hit us up on Instagram.

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Speaker 3: We are at Brannanmbisson podcast on the Gram send us

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Speaker 3: a DM. We're also old school email brand Ambition podcast

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Speaker 3: at gmail dot com dot com. So, as promised, I

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Speaker 3: found a couple questions that each feature a problematic husband.

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Speaker 3: So or I guess you know what I don't. Yeah,

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Speaker 3: I'm gonna say partner husband whatever, a partner? All right,

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Speaker 3: So let's read our first question. This actually has to

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Speaker 3: do with a couple who's looking to buy a home.

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Speaker 3: All right, and she wants to remain anonymous. She says,

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Speaker 3: my partner and I are aiming to move from New

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Speaker 3: York City to California to be closer to family next year.

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Speaker 3: We like to buy our first home there with a

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Speaker 3: goal of living there for good. My partner is all

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Speaker 3: about using YouTube to learn about home buying. I, on

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Speaker 3: the other hand, read my share of articles in but

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Speaker 3: I'm seeking more guidance. Here's some background on us. I'm

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Speaker 3: in my thirties and make fifty five K. My partner's

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Speaker 3: in his forties and makes one hundred K. Likely we

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Speaker 3: cannot continue working remotely at our current jobs. He's got

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Speaker 3: about one hundred k in cash savings and is starting

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Speaker 3: to invest, and I have forty k across my savings

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Speaker 3: and investment acco. So here's my question. Besides an agent

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Speaker 3: and a mortgage broker, is there someone who can advise

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Speaker 3: us on buying a home? Is a financial advisor? Appropriate?

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Speaker 3: Is a first time home buyer advisor? A thing? For

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Speaker 3: whomever you suggest? Is there a way to check their

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Speaker 3: background to avoid scammers? My partner is convinced there are

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Speaker 3: home buying loopholes no one is telling him about. We

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Speaker 3: both agree that if we pay for advice, we'd at

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Speaker 3: least learn lessons tailored for our situation. Looking forward, looking

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Speaker 3: to fellow Brown Ambition, Brown Ambition is for a place

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Speaker 3: to start researching. Okay, is there such thing as a

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Speaker 3: first time home buyer advisor, Tiffany.

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Speaker 2: Not technically bud.

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Speaker 1: There are some amazing first time home buyer courses. When

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Speaker 1: I first bought my condo when I was in my twenties,

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Speaker 1: I took one at my local bank, and it was

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Speaker 1: a great place to start to learn about the process.

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Speaker 1: But even though they're a little bit of a pain

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Speaker 1: in the behind. NAKA NACA. What does NACA stand for? Yeah,

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Speaker 1: so NAKA is Neighborhood Assistance Corporation of America.

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Speaker 2: Here's why.

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Speaker 1: So in the DreamCatcher, I've never heard of NACA before.

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Speaker 1: I'm not affiliated with them in anyway. So I had

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Speaker 1: in the DreamCatcher group and a friend of mine went

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Speaker 1: through the NAKA process. So NACA educates you on the process.

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Speaker 1: Then they helped you get get the lowest interest rate

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Speaker 1: possible and help you with like help you with a doubt.

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Speaker 2: I don't think helping with the down payment. It's mostly

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Speaker 2: interest that they help you with.

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Speaker 1: The people have been able to get interests like under

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Speaker 1: two percent, sometimes even lower.

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Speaker 2: It's an amazing There is.

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Speaker 1: No better program for buying as it relates to your

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Speaker 1: interests than NAKA that I have found. And there have

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Speaker 1: been thousands of thousands of dream Catchers in my Facebook

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Speaker 1: group because it's about five hundred thousand women in that group,

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Speaker 1: and I've been watching them posts about NACA for like

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Speaker 1: the last three years. So the critique of NACA is

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00:20:54,359 --> 00:20:56,840
Speaker 1: that you really have to be on them because it's

434
00:20:56,880 --> 00:21:00,240
Speaker 1: a nonprofit organization, so it really works. You know, are

435
00:21:00,240 --> 00:21:02,240
Speaker 1: not getting paid a ton of money, so sometimes it

436
00:21:02,240 --> 00:21:03,639
Speaker 1: takes them a while to get back to you. But

437
00:21:03,680 --> 00:21:07,080
Speaker 1: the more organized you are, the better there they are

438
00:21:07,119 --> 00:21:09,760
Speaker 1: to help you. So I would look at NAKA as

439
00:21:09,800 --> 00:21:12,119
Speaker 1: well because you'll be able to get potent so especially

440
00:21:12,119 --> 00:21:15,280
Speaker 1: even now, an even better interest rate and learn the

441
00:21:15,320 --> 00:21:18,720
Speaker 1: process along the way. So yeah, that's where I would start.

442
00:21:18,800 --> 00:21:20,600
Speaker 1: Is first time home Buyer class. There's so many of

443
00:21:20,600 --> 00:21:23,199
Speaker 1: them that are free. Just google, like sometimes the United

444
00:21:23,200 --> 00:21:26,439
Speaker 1: Ways have them, many local banks have them. Now that

445
00:21:26,480 --> 00:21:28,879
Speaker 1: things are digital, you could still look. You could just

446
00:21:28,960 --> 00:21:31,960
Speaker 1: google free first time home Buyer class and see what's available.

447
00:21:32,280 --> 00:21:34,760
Speaker 1: But when you're ready to make the move. I definitely

448
00:21:34,840 --> 00:21:39,120
Speaker 1: would look at NAKA Neighborhood Assistance Corporation of America. It's

449
00:21:39,160 --> 00:21:43,000
Speaker 1: an awesome nonprofit that helps folks purchase homes.

450
00:21:43,480 --> 00:21:46,639
Speaker 3: Yeah, and I think so, I mean her, it's almost

451
00:21:46,640 --> 00:21:49,120
Speaker 3: like they're an analysis paralysis, Like they've done so much

452
00:21:49,160 --> 00:21:53,800
Speaker 3: research and honestly YouTube articles whichever way you like to like,

453
00:21:54,040 --> 00:21:57,359
Speaker 3: whatever form of learning works for you. I mean, this

454
00:21:57,480 --> 00:22:00,280
Speaker 3: is like a very like Mars and Venus situation, were

455
00:22:00,280 --> 00:22:03,280
Speaker 3: like guys are visual, right and women will take time

456
00:22:03,320 --> 00:22:05,760
Speaker 3: to read. So it makes sense that he's into YouTube

457
00:22:05,760 --> 00:22:08,600
Speaker 3: when you're reading, and that's fine. He seems like a

458
00:22:08,640 --> 00:22:11,520
Speaker 3: little suspicious of the whole home buying business, so he

459
00:22:11,560 --> 00:22:14,720
Speaker 3: thinks that there's loopholes that could kind of trap you guys.

460
00:22:15,080 --> 00:22:16,919
Speaker 3: I mean, I want to like assuage a bit of

461
00:22:16,920 --> 00:22:19,360
Speaker 3: your fears because thanks to the two thousand and eight

462
00:22:19,400 --> 00:22:21,920
Speaker 3: housing crisis, which is weird to think, you know, a

463
00:22:22,040 --> 00:22:24,560
Speaker 3: financial crisis that people are still trying to recover from.

464
00:22:25,040 --> 00:22:28,880
Speaker 3: But in the Dodd Frank Act that came after it,

465
00:22:29,400 --> 00:22:33,280
Speaker 3: there are so many regulations in the mortgage lending industry

466
00:22:33,400 --> 00:22:36,760
Speaker 3: right now where banks, you know, it's it's quite difficult

467
00:22:36,800 --> 00:22:38,840
Speaker 3: for banks to do what they were doing before, which

468
00:22:38,880 --> 00:22:42,959
Speaker 3: is get home buyers to take on mortgages that they

469
00:22:42,960 --> 00:22:45,720
Speaker 3: could never afford, Like people out your head, like two houses,

470
00:22:45,880 --> 00:22:47,880
Speaker 3: and they couldn't afford even half of one of those

471
00:22:47,920 --> 00:22:52,200
Speaker 3: two mortgages. So yeah, and so you can you can

472
00:22:52,280 --> 00:22:54,720
Speaker 3: sort of trust that there are regulations in place to

473
00:22:54,960 --> 00:22:57,960
Speaker 3: be very transparent, like you're going to get your lone

474
00:22:58,080 --> 00:23:00,280
Speaker 3: estimate from any lender that you shop with, it's going

475
00:23:00,320 --> 00:23:03,440
Speaker 3: to have all the fees outlined. And yes, you can

476
00:23:03,440 --> 00:23:06,240
Speaker 3: have a real estate agent. You don't necessarily need a

477
00:23:06,280 --> 00:23:08,880
Speaker 3: mortgage broker, but a mortgage broker can help and match

478
00:23:08,920 --> 00:23:12,919
Speaker 3: you to different They basically have access to lenders and

479
00:23:13,000 --> 00:23:15,679
Speaker 3: can help you find loan offers. Or you can shop

480
00:23:15,760 --> 00:23:19,080
Speaker 3: on your own using an online marketplace and I'll plug

481
00:23:19,160 --> 00:23:21,080
Speaker 3: lending trees and so obviously I work there. But there's

482
00:23:21,160 --> 00:23:24,200
Speaker 3: other ones too where you can shop and compare mortgages.

483
00:23:24,280 --> 00:23:26,600
Speaker 3: But as long as you guys shop and compare and

484
00:23:26,600 --> 00:23:31,120
Speaker 3: get the best deal on your mortgage, you know, don't

485
00:23:31,160 --> 00:23:33,480
Speaker 3: make it more complicated than it is. And it sounds

486
00:23:33,480 --> 00:23:35,600
Speaker 3: like you guys are going for like you know, first

487
00:23:35,640 --> 00:23:39,359
Speaker 3: time home buyers, you know, you aren't like getting a

488
00:23:39,480 --> 00:23:42,240
Speaker 3: jumbo mortgage. You're not like doing some kind of weird

489
00:23:42,359 --> 00:23:45,320
Speaker 3: type of loan that's not a conventional loan. I mean,

490
00:23:45,680 --> 00:23:50,360
Speaker 3: it should be pretty transparent. And as someone who went

491
00:23:50,359 --> 00:23:53,080
Speaker 3: through this process a couple of years ago, the only

492
00:23:53,119 --> 00:23:55,159
Speaker 3: thing that I stressed out about was is this a

493
00:23:55,160 --> 00:23:57,639
Speaker 3: good decision? Like is it a good decision to buy

494
00:23:57,680 --> 00:24:00,880
Speaker 3: a home? Does it make financial sense? I did actually

495
00:24:00,920 --> 00:24:05,600
Speaker 3: call my financial advisor because or my financial planner, Helen,

496
00:24:05,720 --> 00:24:07,919
Speaker 3: because I just wanted to. I did want to just

497
00:24:08,000 --> 00:24:10,160
Speaker 3: listen to someone else who was very smart and who

498
00:24:10,160 --> 00:24:12,480
Speaker 3: I trusted kind of talk it through with me. What

499
00:24:12,520 --> 00:24:15,399
Speaker 3: are the different factors, like what are home values looking

500
00:24:15,440 --> 00:24:17,679
Speaker 3: like in the area we're buying in, what are the schools, like,

501
00:24:20,160 --> 00:24:22,960
Speaker 3: how have home values risen over or fallen over the

502
00:24:22,960 --> 00:24:26,640
Speaker 3: past decade? And Helen did talk me through it, and

503
00:24:26,680 --> 00:24:29,560
Speaker 3: for me, I decided to call our financial planner for

504
00:24:29,600 --> 00:24:32,640
Speaker 3: that reason, just to have someone who I trusted give

505
00:24:32,680 --> 00:24:37,960
Speaker 3: me specific advice. And that's definitely something that is lacking

506
00:24:38,040 --> 00:24:41,320
Speaker 3: from like online articles and YouTube videos is that they

507
00:24:41,320 --> 00:24:43,800
Speaker 3: don't know you personally, which is why it's hard to

508
00:24:43,800 --> 00:24:46,840
Speaker 3: answer questions here too. So I'm I'm a fan of

509
00:24:46,920 --> 00:24:48,919
Speaker 3: like if you need it for your own peace of

510
00:24:48,960 --> 00:24:51,199
Speaker 3: mind and just to have and for me too. It

511
00:24:51,240 --> 00:24:53,280
Speaker 3: wasn't just about peace of mind. It was about my

512
00:24:53,400 --> 00:24:55,200
Speaker 3: husband and I really were not on the same page

513
00:24:55,240 --> 00:24:57,480
Speaker 3: about how much we wanted to borrow and where we

514
00:24:57,480 --> 00:24:59,119
Speaker 3: wanted to buy and all that kind of stuff. And

515
00:24:59,359 --> 00:25:02,240
Speaker 3: once again, my financial planner kind of became our couple's

516
00:25:02,240 --> 00:25:05,159
Speaker 3: therapist and helped us. Yeah, just helped be like a

517
00:25:06,000 --> 00:25:08,919
Speaker 3: I don't know, like a board, a sounding board, an

518
00:25:08,960 --> 00:25:12,320
Speaker 3: objective you know, source in the middle of us trying

519
00:25:12,320 --> 00:25:14,800
Speaker 3: to help us work through and like speak both of

520
00:25:14,840 --> 00:25:17,919
Speaker 3: our languages. So I think, so you won't find like

521
00:25:17,960 --> 00:25:19,879
Speaker 3: a first time home by our advisor that's not like

522
00:25:19,920 --> 00:25:22,800
Speaker 3: a name, I don't think, but a financial planner who

523
00:25:22,840 --> 00:25:24,679
Speaker 3: will just charge you like an hourly rate to have

524
00:25:24,720 --> 00:25:27,200
Speaker 3: a conversation that could be helpful to you guys.

525
00:25:27,440 --> 00:25:28,359
Speaker 2: Yeah, no, that is.

526
00:25:28,480 --> 00:25:31,399
Speaker 1: And then honestly, to my this is not always typical.

527
00:25:31,440 --> 00:25:35,320
Speaker 1: But my mortgage broker, David was amazing. He I never

528
00:25:35,600 --> 00:25:39,159
Speaker 1: knew anybody who was like really passionate about mortgages, but

529
00:25:39,280 --> 00:25:41,920
Speaker 1: he was, and I used to ask him. To this day,

530
00:25:42,160 --> 00:25:45,200
Speaker 1: I have not gotten a mortgage from David. But I've

531
00:25:45,240 --> 00:25:48,320
Speaker 1: sent send other people to him. It's just because in

532
00:25:48,320 --> 00:25:50,800
Speaker 1: the house that we bought, we ended up paying for cash,

533
00:25:50,920 --> 00:25:53,720
Speaker 1: as y'all know, and then when I thought I was

534
00:25:53,760 --> 00:25:56,600
Speaker 1: going to do the cash reply cash out reply or

535
00:25:56,640 --> 00:25:57,560
Speaker 1: reply cash out.

536
00:25:57,520 --> 00:25:59,240
Speaker 2: We ended up not doing it. But I was working

537
00:25:59,240 --> 00:25:59,720
Speaker 2: with David.

538
00:25:59,720 --> 00:26:02,879
Speaker 1: But so sometimes, you know, you can get mortgage brokers

539
00:26:02,920 --> 00:26:05,560
Speaker 1: can answer a lot of the questions. And I also

540
00:26:05,600 --> 00:26:09,439
Speaker 1: had an amazing realtor that answered a lot of my

541
00:26:09,560 --> 00:26:11,000
Speaker 1: I mean, I was one of those people who was like,

542
00:26:11,000 --> 00:26:11,920
Speaker 1: but what about but what about?

543
00:26:11,920 --> 00:26:12,480
Speaker 2: But what about?

544
00:26:12,520 --> 00:26:14,880
Speaker 1: Because Samandy's point, they got to know me and knew

545
00:26:14,920 --> 00:26:17,600
Speaker 1: what I needed. So you know, that's somebody else to

546
00:26:17,960 --> 00:26:20,359
Speaker 1: bring into the mix, a realtor that you really like.

547
00:26:21,480 --> 00:26:23,760
Speaker 1: Don't sign any exclusivity with anyone.

548
00:26:23,880 --> 00:26:24,320
Speaker 2: I didn't.

549
00:26:24,640 --> 00:26:25,960
Speaker 1: I was like in the beginning, I did, and then

550
00:26:25,960 --> 00:26:27,840
Speaker 1: I learned my lessons, was like no, until I was like,

551
00:26:27,880 --> 00:26:29,320
Speaker 1: you know, I really do actually want to work with

552
00:26:29,359 --> 00:26:32,560
Speaker 1: you and a mortgage broker, one that you find really

553
00:26:32,640 --> 00:26:36,320
Speaker 1: helpful and willing to answer a ton of questions because

554
00:26:36,320 --> 00:26:37,919
Speaker 1: you're going to have them, and rightfully.

555
00:26:37,560 --> 00:26:41,639
Speaker 3: So yeah, absolutely, And remember the sellers pay, They usually

556
00:26:41,680 --> 00:26:44,960
Speaker 3: pay the buyer's agent's fee, So you know, if that's

557
00:26:44,960 --> 00:26:46,760
Speaker 3: something that you're worried about, you feel like you're stuck

558
00:26:46,800 --> 00:26:48,920
Speaker 3: with this person, like you know that fee is usually

559
00:26:48,920 --> 00:26:52,000
Speaker 3: covered by the seller. Okay, well, hope that was helpful

560
00:26:52,400 --> 00:26:55,040
Speaker 3: and you and your partner figure things out. Okay, let's

561
00:26:55,040 --> 00:26:59,200
Speaker 3: go to another question. This is another couple who's having

562
00:26:59,359 --> 00:27:02,000
Speaker 3: differences of opinion about what to do with their emergency fund.

563
00:27:02,040 --> 00:27:05,240
Speaker 3: Oh do I know this so well? Okay. Our next

564
00:27:05,320 --> 00:27:09,359
Speaker 3: question comes from we'll call her Unus. Unis says, my

565
00:27:09,440 --> 00:27:12,160
Speaker 3: husband and I have recently saved six months of expenses

566
00:27:12,160 --> 00:27:15,560
Speaker 3: for emergency fund. Good for y'all. He thinks we should

567
00:27:15,560 --> 00:27:18,359
Speaker 3: get a financial advisor to invest this money to where

568
00:27:18,359 --> 00:27:20,640
Speaker 3: we have access to it in a couple of business

569
00:27:20,720 --> 00:27:23,720
Speaker 3: dates if needed. I, however, prefer to keep the money

570
00:27:23,760 --> 00:27:26,320
Speaker 3: in our bank account and a high interest checking account

571
00:27:26,600 --> 00:27:29,159
Speaker 3: at one percent, which is at a credit union, so

572
00:27:29,160 --> 00:27:31,080
Speaker 3: we don't have to ask anyone to use our own

573
00:27:31,080 --> 00:27:33,800
Speaker 3: money if we need it. I'm very risk averse and

574
00:27:33,840 --> 00:27:37,800
Speaker 3: skeptical of financial advisors. Plus, I thought an emergency fund

575
00:27:37,840 --> 00:27:40,000
Speaker 3: was something you kept one hundred percent liquid, But my

576
00:27:40,080 --> 00:27:42,960
Speaker 3: husband sees things differently. How would you, ladies say, we

577
00:27:43,040 --> 00:27:45,760
Speaker 3: go about getting a return on our emergency fund. My

578
00:27:45,920 --> 00:27:48,200
Speaker 3: plan would give us about two hundred dollars of interest

579
00:27:48,240 --> 00:27:50,400
Speaker 3: per month, which is more than enough in my opinion,

580
00:27:50,680 --> 00:27:53,760
Speaker 3: and we can keep money ourselves for an emergency. I

581
00:27:53,800 --> 00:27:56,320
Speaker 3: love the podcast and I love the life updates from y'all.

582
00:27:56,320 --> 00:28:00,479
Speaker 3: Thank you, Okaynis, So this is a really interesting scenario.

583
00:28:00,560 --> 00:28:03,920
Speaker 3: So they've got hix months worth of savings. Fantastic. So

584
00:28:03,960 --> 00:28:07,080
Speaker 3: her husband's looking at this pile of cash and it's like, Yo,

585
00:28:07,200 --> 00:28:10,679
Speaker 3: we should be investing this to earn even more return

586
00:28:10,720 --> 00:28:13,399
Speaker 3: on it. And she's thinking of it like, oh, we

587
00:28:13,440 --> 00:28:16,960
Speaker 3: need to keep this safe and protected in a regular

588
00:28:17,119 --> 00:28:21,280
Speaker 3: ass banking account, as I like to say, So interesting,

589
00:28:21,440 --> 00:28:22,240
Speaker 3: what do you think.

590
00:28:22,080 --> 00:28:26,640
Speaker 1: To Well, I can understand your husband's position, But the

591
00:28:26,800 --> 00:28:32,600
Speaker 1: purpose of an emergency savings account is for risk management.

592
00:28:33,040 --> 00:28:37,080
Speaker 1: It is not for growing wealth. Anything saved above them,

593
00:28:37,960 --> 00:28:40,680
Speaker 1: go for it, you know, That's what I tell him. Like,

594
00:28:40,760 --> 00:28:43,080
Speaker 1: so if we put our money into the market, right,

595
00:28:43,920 --> 00:28:47,720
Speaker 1: let's just say, and then we hit an emergency, what

596
00:28:48,040 --> 00:28:51,160
Speaker 1: will we do if we put our money into the market.

597
00:28:51,160 --> 00:28:53,760
Speaker 1: Because when you invest, you have to think long term.

598
00:28:53,760 --> 00:28:57,160
Speaker 1: You have to think five, ten, fifteen, twenty years. So

599
00:28:57,760 --> 00:29:00,000
Speaker 1: you might put your money in today and the market

600
00:29:00,160 --> 00:29:03,160
Speaker 1: drops and then someone loses their job, and then, well,

601
00:29:03,240 --> 00:29:06,000
Speaker 1: what happens to your emergency fund. The literal purpose of

602
00:29:06,040 --> 00:29:08,480
Speaker 1: your emergency fund is to be your first line of

603
00:29:08,560 --> 00:29:11,240
Speaker 1: defense in the case of financial trauma.

604
00:29:11,880 --> 00:29:13,040
Speaker 2: So I mean, I don't know.

605
00:29:14,440 --> 00:29:16,440
Speaker 1: I probably wouldn't keep it in the checking account, just

606
00:29:16,440 --> 00:29:18,640
Speaker 1: a high entry sealed savings. Did you say checking or

607
00:29:18,680 --> 00:29:20,760
Speaker 1: did you tell you said savings, Mandy, she.

608
00:29:20,760 --> 00:29:23,320
Speaker 3: Must mean savings if she's getting one percent, yeah.

609
00:29:23,240 --> 00:29:25,320
Speaker 1: Yeah, so yeah, yeah, So there's nothing wrong with that,

610
00:29:25,360 --> 00:29:27,280
Speaker 1: and you just tell him, like any money because so

611
00:29:27,320 --> 00:29:29,480
Speaker 1: my husband and I have maxed out, we have saved

612
00:29:29,520 --> 00:29:32,800
Speaker 1: because I'm you know, crazy, We've saved the year's worth

613
00:29:32,840 --> 00:29:36,600
Speaker 1: of our expenses, and so anything above that now goes

614
00:29:36,720 --> 00:29:38,600
Speaker 1: to one or two things. We have a bucket to

615
00:29:38,720 --> 00:29:40,880
Speaker 1: invest into real estate, and then then we also I

616
00:29:40,880 --> 00:29:44,760
Speaker 1: have a certified financial planner, Angelie, and then anything I

617
00:29:44,760 --> 00:29:46,800
Speaker 1: also send money to Angelie to say, okay, put it

618
00:29:46,840 --> 00:29:50,120
Speaker 1: into like, you know whatever, like our investments are with her.

619
00:29:50,200 --> 00:29:55,800
Speaker 1: So so yeah, I don't believe in investing your savings

620
00:29:55,920 --> 00:30:00,640
Speaker 1: because the purpose of it is to provide you are cushion.

621
00:30:00,720 --> 00:30:01,720
Speaker 2: Since something happen.

622
00:30:02,280 --> 00:30:03,760
Speaker 1: So I mean, but I know a lot of men

623
00:30:03,840 --> 00:30:06,880
Speaker 1: are like go go, go, go go, and sometimes you know,

624
00:30:07,440 --> 00:30:08,880
Speaker 1: it can be like, ah, what do we do?

625
00:30:08,960 --> 00:30:09,800
Speaker 2: But that's what I.

626
00:30:09,800 --> 00:30:11,400
Speaker 1: Would just share with him, Like, well, babe, if we

627
00:30:11,440 --> 00:30:13,440
Speaker 1: invest his money and then the market goes down and

628
00:30:13,600 --> 00:30:16,040
Speaker 1: up and then down, and then when it's down, we're down,

629
00:30:16,200 --> 00:30:19,240
Speaker 1: then what you know? So yeah, that's what I was sharing.

630
00:30:19,280 --> 00:30:21,240
Speaker 1: I mean, I think you're you're you're on the right path.

631
00:30:21,320 --> 00:30:23,080
Speaker 1: But I can understand why he sees it as like

632
00:30:23,080 --> 00:30:24,280
Speaker 1: it's a wait, it's really not.

633
00:30:24,400 --> 00:30:25,680
Speaker 2: It's it's there to protect you.

634
00:30:26,400 --> 00:30:30,360
Speaker 3: Yeah, I just like, this is the reason I spend

635
00:30:30,400 --> 00:30:32,200
Speaker 3: money that I really don't need to spend on financial

636
00:30:32,240 --> 00:30:34,600
Speaker 3: planner because like, I know my shit. But it's really

637
00:30:34,640 --> 00:30:38,360
Speaker 3: satisfying when you, as the as one partner, are told

638
00:30:38,360 --> 00:30:40,600
Speaker 3: that you're right by the person you're asking advice from.

639
00:30:40,680 --> 00:30:43,640
Speaker 3: So I can kind of imagine Eunice like forcing her

640
00:30:43,720 --> 00:30:46,680
Speaker 3: partner to listen to this episode, like you might want

641
00:30:46,680 --> 00:30:48,840
Speaker 3: to skip ahead to the thirty four minute mark because

642
00:30:48,880 --> 00:30:52,160
Speaker 3: there's a really interesting segment you might want to like.

643
00:30:53,240 --> 00:30:56,800
Speaker 3: But you know, all jokes aside. I think it's I

644
00:30:56,800 --> 00:30:58,920
Speaker 3: think in this case, like, Tiffany's totally right. You want

645
00:30:58,920 --> 00:31:01,480
Speaker 3: to keep that money. You like, congrats, you say six

646
00:31:01,520 --> 00:31:04,800
Speaker 3: months of expenses. That's major. Now, it's a and especially

647
00:31:04,800 --> 00:31:06,680
Speaker 3: in times like this, it's not a bad idea to

648
00:31:06,960 --> 00:31:10,360
Speaker 3: shore up your emergency fund and and really have that money. Like,

649
00:31:10,440 --> 00:31:12,880
Speaker 3: it's not just about being accessible, it's about being safe.

650
00:31:13,000 --> 00:31:16,120
Speaker 3: It is insured by the federal government, and whatever we

651
00:31:16,160 --> 00:31:18,800
Speaker 3: can say about how crazy things are, FDIC insurance is

652
00:31:18,800 --> 00:31:21,760
Speaker 3: still rock solid. So your money's not going anywhere like

653
00:31:21,760 --> 00:31:24,160
Speaker 3: it would in the stock market. Your money is not insured.

654
00:31:24,200 --> 00:31:26,880
Speaker 3: It's not protected when you invest it in the market.

655
00:31:27,000 --> 00:31:30,240
Speaker 3: So yeah, I think you're exactly right. And I think

656
00:31:30,280 --> 00:31:32,880
Speaker 3: what's exciting is now y'all anything else is icing, Like

657
00:31:33,000 --> 00:31:35,320
Speaker 3: y'all can start investing for real, you know, start with

658
00:31:35,320 --> 00:31:38,160
Speaker 3: your four one ks, your IRA or then you know,

659
00:31:38,200 --> 00:31:41,480
Speaker 3: open a brokerage account and have some fun now. But yeah,

660
00:31:41,520 --> 00:31:45,160
Speaker 3: congrats on getting your your six months and good luck

661
00:31:45,160 --> 00:31:48,880
Speaker 3: with the you think that's the first financial disagreement you're

662
00:31:48,880 --> 00:31:49,440
Speaker 3: ever going to have.

663
00:31:49,520 --> 00:31:51,720
Speaker 1: Oh lord, oh girl, me and Supman are going through

664
00:31:51,720 --> 00:31:54,480
Speaker 1: it right now. I'm like, well, for whatever, okay to share.

665
00:31:54,560 --> 00:31:56,960
Speaker 3: I love I love it. You feel normal right now?

666
00:31:56,960 --> 00:31:58,240
Speaker 2: Well, we get on the other side of it, because

667
00:31:58,360 --> 00:31:58,680
Speaker 2: we haven't.

668
00:31:58,760 --> 00:32:01,960
Speaker 1: I haven't quite run one yet, but I will so

669
00:32:02,120 --> 00:32:04,360
Speaker 1: when I you know, once I finished my victory lab

670
00:32:04,400 --> 00:32:05,440
Speaker 1: then I certainly will share.

671
00:32:08,320 --> 00:32:09,840
Speaker 3: All right, how about my my husband went to the

672
00:32:09,840 --> 00:32:12,520
Speaker 3: Apple store, came back with everything but the uh, the

673
00:32:12,600 --> 00:32:16,239
Speaker 3: dongle that he needed, the damn dongle. Tiffany knows how

674
00:32:16,280 --> 00:32:18,440
Speaker 3: many times I have started this podcast late because I'm

675
00:32:18,440 --> 00:32:21,120
Speaker 3: looking for a damn dongle that I need for my

676
00:32:21,320 --> 00:32:23,440
Speaker 3: for my mic to attach to my computer, and my

677
00:32:23,480 --> 00:32:25,360
Speaker 3: husband's constantly stealing, and I'm like, can you go buy

678
00:32:25,400 --> 00:32:27,719
Speaker 3: your own damn dongle? I just love saying damn dongles

679
00:32:27,800 --> 00:32:30,640
Speaker 3: makes me so happy. But anyway, he came back with

680
00:32:30,720 --> 00:32:34,760
Speaker 3: an Apple Watch, a labor case for his AirPods. I'm like, oh,

681
00:32:34,760 --> 00:32:38,480
Speaker 3: you got discretionary funds. Is that what you're telling me?

682
00:32:38,520 --> 00:32:42,959
Speaker 3: You got discretion Let's put something in Rio's fifty nine plan. Okay. Anyway,

683
00:32:43,800 --> 00:32:46,960
Speaker 3: he eventually got the dongle. That's the moral story, and.

684
00:32:47,240 --> 00:32:48,880
Speaker 1: Too, I mean, it happens like so you might so

685
00:32:49,040 --> 00:32:53,880
Speaker 1: for example, there is there's negotiating, right, so you might say, okay, well,

686
00:32:54,120 --> 00:32:57,880
Speaker 1: I I adamantly am against us, like you know, investing,

687
00:32:58,080 --> 00:33:00,080
Speaker 1: you know our savings. But you know what, maybe I

688
00:33:00,080 --> 00:33:03,480
Speaker 1: well acquiesce two maybe two months worth, just so he

689
00:33:03,520 --> 00:33:06,040
Speaker 1: can see and then you go back to you get

690
00:33:06,040 --> 00:33:08,040
Speaker 1: back up to saving the six months. Do you see

691
00:33:08,040 --> 00:33:12,160
Speaker 1: what I mean by giving a little something? Because it's

692
00:33:12,440 --> 00:33:14,120
Speaker 1: marriage is long, girl.

693
00:33:14,160 --> 00:33:16,440
Speaker 3: You have to lose some battles. You have to pick

694
00:33:16,480 --> 00:33:18,360
Speaker 3: the battles that you're willing to lose every once in

695
00:33:18,360 --> 00:33:20,120
Speaker 3: a while, you know, so that you can win the

696
00:33:20,120 --> 00:33:21,880
Speaker 3: important You have to look at the long game.

697
00:33:22,200 --> 00:33:24,640
Speaker 2: Yes, you know. Yeah, so that's what I would probably

698
00:33:24,920 --> 00:33:25,280
Speaker 2: teach it.

699
00:33:25,320 --> 00:33:27,400
Speaker 1: If this is Superman, I might say, like depending on

700
00:33:27,520 --> 00:33:30,760
Speaker 1: how adamant he was, because sometimes he's like, eah, I

701
00:33:30,760 --> 00:33:32,880
Speaker 1: can tell he doesn't mind losing, so I'm like, well,

702
00:33:32,920 --> 00:33:35,040
Speaker 1: I'll just take all the victory. But then there's times

703
00:33:35,040 --> 00:33:37,120
Speaker 1: that I'm like, you can tell he's pretty frustrated with me.

704
00:33:37,200 --> 00:33:38,600
Speaker 1: You know what, let me loosen that.

705
00:33:40,720 --> 00:33:43,080
Speaker 2: I'll give you two months sir, oh three.

706
00:33:43,520 --> 00:33:45,880
Speaker 3: Yeah, maybe it's like five, here's five hundred bucks. Here's

707
00:33:45,880 --> 00:33:47,920
Speaker 3: a like shave off a little something for them to

708
00:33:47,960 --> 00:33:50,520
Speaker 3: go play with. And I mean I tried that, but see,

709
00:33:50,560 --> 00:33:52,120
Speaker 3: be ready to lose it though, because you're gonna lose

710
00:33:52,160 --> 00:33:53,600
Speaker 3: it with a lot of teasel stock and tell you

711
00:33:53,600 --> 00:33:57,280
Speaker 3: that right now. Anyway. Yeah, well, good luck to you

712
00:33:57,320 --> 00:33:59,240
Speaker 3: and thank you so much for your question, Unics. This

713
00:33:59,360 --> 00:33:59,840
Speaker 3: is a fun one.

714
00:34:00,000 --> 00:34:00,680
Speaker 2: That was a fun one.

715
00:34:00,800 --> 00:34:03,320
Speaker 3: Please you guys, if you want us to prove you right,

716
00:34:03,760 --> 00:34:07,200
Speaker 3: send your questions to Brand Ambition Podcast at gmail dot

717
00:34:07,200 --> 00:34:10,320
Speaker 3: com or hit us up on IG Brand Ambition Podcast.

718
00:34:11,560 --> 00:34:13,080
Speaker 3: All right, boost and break.

719
00:34:13,000 --> 00:34:16,719
Speaker 1: Yes, and now it's time to boost a break for

720
00:34:16,880 --> 00:34:18,160
Speaker 1: all of family.

721
00:34:19,320 --> 00:34:21,880
Speaker 2: Are you gonna boost? Are you gonna break? What you

722
00:34:22,080 --> 00:34:25,640
Speaker 2: gonna do? Mandy? What you gonna do? Mandy? I wish

723
00:34:25,640 --> 00:34:27,360
Speaker 2: you could see my hand moving. What you gonna do?

724
00:34:27,640 --> 00:34:31,520
Speaker 2: Very Brandy esque? What you gonna do? Mandy?

725
00:34:31,680 --> 00:34:33,759
Speaker 3: Shout out to Mosha, shout out to Sister Sister, shout

726
00:34:33,800 --> 00:34:36,040
Speaker 3: out to Black Netflix. I love it. Yes, I'm so

727
00:34:36,120 --> 00:34:39,560
Speaker 3: excited about my boost today. As I was digging through

728
00:34:39,680 --> 00:34:43,840
Speaker 3: our dms in IG last night, I came across the

729
00:34:43,920 --> 00:34:46,600
Speaker 3: story that just warmed my little heart. And it's from

730
00:34:46,640 --> 00:34:49,120
Speaker 3: a listener. Her name is Ellen c and she just

731
00:34:49,200 --> 00:34:52,440
Speaker 3: recently won a scholarship from a website called Student Loan Planner,

732
00:34:52,520 --> 00:34:57,520
Speaker 3: and her scholarship essay featured Brown ambition. Yeah, so she

733
00:34:57,600 --> 00:34:59,279
Speaker 3: called to share the link, and I'm gonna share in

734
00:34:59,320 --> 00:35:01,279
Speaker 3: our show notes. But but I also wanted to read

735
00:35:01,320 --> 00:35:04,200
Speaker 3: a little bit because her story is really interesting. So

736
00:35:04,400 --> 00:35:06,840
Speaker 3: to get the scholarship, she submitted an essay to Student

737
00:35:06,880 --> 00:35:09,480
Speaker 3: Loan Planner and it's all about kind of how she

738
00:35:09,680 --> 00:35:13,520
Speaker 3: has transformed negativity of twenty twenty into opportunity. All right,

739
00:35:13,600 --> 00:35:15,120
Speaker 3: So let me just I'm going to read a little

740
00:35:15,120 --> 00:35:18,240
Speaker 3: bit of her essay. It's really cute, cute, really cool,

741
00:35:18,520 --> 00:35:20,960
Speaker 3: all right. Ellen says, one of the main negative experiences

742
00:35:21,000 --> 00:35:22,719
Speaker 3: I faced was in high school, wh my high school

743
00:35:22,719 --> 00:35:25,360
Speaker 3: counselor stereotype me and did not give me the guidance

744
00:35:25,400 --> 00:35:28,080
Speaker 3: I needed to apply to college. That was always my goal.

745
00:35:28,280 --> 00:35:30,680
Speaker 3: I was working hard to be eligible. I received no

746
00:35:30,760 --> 00:35:35,280
Speaker 3: support with college applications or financial aid. I pushed forward anyway,

747
00:35:35,440 --> 00:35:38,160
Speaker 3: ended up going to college and earning a bachelor's degree,

748
00:35:38,239 --> 00:35:43,000
Speaker 3: to master's degree and a doctorate an educational leadership. Only

749
00:35:43,040 --> 00:35:46,000
Speaker 3: around five percent of Latin X in the US earn

750
00:35:46,040 --> 00:35:49,640
Speaker 3: a graduate degree, and this includes masters in PhD. I

751
00:35:49,760 --> 00:35:51,960
Speaker 3: was set on proving to my community and others that

752
00:35:52,000 --> 00:35:54,719
Speaker 3: it can be done. The reason I read this experience

753
00:35:54,840 --> 00:35:57,200
Speaker 3: up is that I turned that negative experience into a

754
00:35:57,239 --> 00:35:59,760
Speaker 3: positive by becoming a high school counselor so that students

755
00:35:59,760 --> 00:36:02,920
Speaker 3: would never have to experience what I did. I vowed

756
00:36:02,920 --> 00:36:05,760
Speaker 3: to not only support students to get to and through college,

757
00:36:05,800 --> 00:36:10,080
Speaker 3: but to make sure to have important information accessible to all.

758
00:36:10,560 --> 00:36:13,279
Speaker 3: Fast forward to twenty twenty. We were living on one

759
00:36:13,320 --> 00:36:16,160
Speaker 3: paycheck in an expensive city in an expensive state with

760
00:36:16,200 --> 00:36:18,520
Speaker 3: our first child. I was at home full time flan

761
00:36:18,640 --> 00:36:21,480
Speaker 3: like I needed to do something productive. I was introduced

762
00:36:21,480 --> 00:36:23,799
Speaker 3: to the Brand Ambition podcast a few years back, but

763
00:36:23,840 --> 00:36:25,759
Speaker 3: I never made the time to actually listen to it.

764
00:36:26,120 --> 00:36:28,160
Speaker 3: I finally started to listen to the episodes from the

765
00:36:28,239 --> 00:36:32,240
Speaker 3: very beginning around February twenty twenty, as the coronavirus started

766
00:36:32,280 --> 00:36:34,480
Speaker 3: to hit and our state went into shelter in place.

767
00:36:34,640 --> 00:36:37,919
Speaker 3: I wasn't binging Netflix like others. I was binging podcasts.

768
00:36:38,280 --> 00:36:40,800
Speaker 3: That was my gateway into personal finance, and I started

769
00:36:40,840 --> 00:36:43,320
Speaker 3: going down the path of learning how to budget, invest,

770
00:36:43,440 --> 00:36:47,000
Speaker 3: and take control of our finances. And that's a little

771
00:36:47,000 --> 00:36:49,120
Speaker 3: bit from her essay. Y'all check out the link and

772
00:36:49,200 --> 00:36:51,480
Speaker 3: our notes. And that's so sweet it is. I love

773
00:36:51,520 --> 00:36:55,200
Speaker 3: that in inspirational. Oh my gosh, Yeah, that reminds me

774
00:36:55,200 --> 00:36:58,240
Speaker 3: of Michelle Obama story. That was like the famous Michelle

775
00:36:58,280 --> 00:37:02,040
Speaker 3: Obama story. But how in high school her counselor told

776
00:37:02,080 --> 00:37:06,040
Speaker 3: her that she wasn't what was it, Princeton material screwed

777
00:37:06,080 --> 00:37:08,440
Speaker 3: the haters, Okay, And I love that. I love that

778
00:37:08,480 --> 00:37:10,319
Speaker 3: you're going back into the same field to make sure

779
00:37:10,320 --> 00:37:12,960
Speaker 3: that no student is left behind like you could have been.

780
00:37:13,239 --> 00:37:15,400
Speaker 2: Yeah, that is awesome. You know, it's so crazy. I

781
00:37:15,400 --> 00:37:16,840
Speaker 2: actually had my guidance counselor.

782
00:37:17,000 --> 00:37:20,440
Speaker 1: Although my school at Westfield was super super white, there

783
00:37:20,480 --> 00:37:23,680
Speaker 1: was less than like, probably five percent of students were black.

784
00:37:23,680 --> 00:37:26,000
Speaker 1: My guidance counselor was actually a black woman. I'll never forget.

785
00:37:26,360 --> 00:37:31,040
Speaker 1: And she was so like supportive and encouraging. So I'm

786
00:37:31,120 --> 00:37:33,800
Speaker 1: just realizing just how fortunate that was, because it wouldn't

787
00:37:33,800 --> 00:37:36,040
Speaker 1: have been odd for her to be not a black woman.

788
00:37:36,520 --> 00:37:38,359
Speaker 1: But yeah, she just always reminded me how smart we're

789
00:37:38,360 --> 00:37:40,680
Speaker 1: actually from Facebook friends and she hit me like maybe

790
00:37:40,680 --> 00:37:42,239
Speaker 1: a year ago and told me how proud she was

791
00:37:42,280 --> 00:37:44,560
Speaker 1: of me. But wasn't surprised that she brought me something

792
00:37:44,600 --> 00:37:46,719
Speaker 1: about like what does she say about how I was

793
00:37:46,719 --> 00:37:48,680
Speaker 1: in high school? I'm like, really, she was like yeah, girl,

794
00:37:48,680 --> 00:37:49,360
Speaker 1: I'm not surprised.

795
00:37:49,800 --> 00:37:51,719
Speaker 2: And I was just like, oh, that was so nice.

796
00:37:51,800 --> 00:37:56,240
Speaker 1: Yeah, so yes that unfortunately, there are not enough people

797
00:37:56,280 --> 00:37:57,359
Speaker 1: to encourage us.

798
00:37:57,600 --> 00:37:59,279
Speaker 2: So I'm glad that you are now part of the

799
00:37:59,320 --> 00:38:00,800
Speaker 2: solution where you saw a problem.

800
00:38:01,040 --> 00:38:03,439
Speaker 3: And think about your counselor and how alone she must

801
00:38:03,440 --> 00:38:06,520
Speaker 3: have felt working in a school with like I'm sure

802
00:38:06,560 --> 00:38:08,920
Speaker 3: not the facult the faculty probably wasn't representative of the

803
00:38:09,560 --> 00:38:13,440
Speaker 3: area either. But I thinking back on my high school

804
00:38:13,440 --> 00:38:15,719
Speaker 3: experience there, I had a vice principal at the last

805
00:38:15,800 --> 00:38:17,800
Speaker 3: high school I went to, and she she used to

806
00:38:17,840 --> 00:38:20,320
Speaker 3: always just like invite me to her office just to chat,

807
00:38:20,440 --> 00:38:23,160
Speaker 3: you know, about whatever. And it always seemed like, oh,

808
00:38:23,200 --> 00:38:26,919
Speaker 3: she's just being friendly, but it felt like those invitations

809
00:38:26,920 --> 00:38:29,680
Speaker 3: that really matters, and it does. And when you see

810
00:38:29,680 --> 00:38:31,600
Speaker 3: a black woman and I think about her now, and

811
00:38:31,600 --> 00:38:33,840
Speaker 3: I'm like, damn, she was like the only black woman

812
00:38:33,960 --> 00:38:37,480
Speaker 3: in the faculty at the black woman, especially at this

813
00:38:37,600 --> 00:38:41,000
Speaker 3: like super white high school, and it must have been

814
00:38:41,040 --> 00:38:44,080
Speaker 3: hard for her too, you know. And anyway, she I

815
00:38:44,080 --> 00:38:46,799
Speaker 3: remember when she gave me the that Doctor Juice book

816
00:38:46,840 --> 00:38:49,719
Speaker 3: all the places, Oh the places You'll go, and my

817
00:38:49,760 --> 00:38:53,399
Speaker 3: mind was like blown, Yes, I love that book. But yeah,

818
00:38:53,440 --> 00:38:56,440
Speaker 3: shout out to our educators and definitely a big, big,

819
00:38:56,480 --> 00:38:58,960
Speaker 3: big brown boost for you, Ellen, thank you so much

820
00:38:59,000 --> 00:39:02,160
Speaker 3: for sharing and can crab on winning that scholarship.

821
00:39:02,640 --> 00:39:05,560
Speaker 1: Yes, so I mine is not a brown boost. It's

822
00:39:05,640 --> 00:39:07,719
Speaker 1: kind of well, I guess it's a brown break and

823
00:39:07,800 --> 00:39:10,120
Speaker 1: more of a or maybe a brown and it's a

824
00:39:10,120 --> 00:39:13,240
Speaker 1: hoosy breaking. So lately I've been seeing on social media

825
00:39:14,440 --> 00:39:17,880
Speaker 1: something called SAR. So y'all know I'm Nigerian. Woop woop

826
00:39:18,040 --> 00:39:22,240
Speaker 1: EQUI quin new a right. So SARS is the Special

827
00:39:22,400 --> 00:39:27,319
Speaker 1: Anti Robbery Squad so Nigeria. Unfortunately, when it comes to

828
00:39:27,440 --> 00:39:30,000
Speaker 1: it's civil workers, so like teachers and police officers and

829
00:39:30,040 --> 00:39:33,920
Speaker 1: things of the sort, oftentimes won't These people will not

830
00:39:33,960 --> 00:39:36,160
Speaker 1: be paid for months and months and months and months

831
00:39:36,160 --> 00:39:40,800
Speaker 1: on end. It's resulted in a very unstable financial environment

832
00:39:40,800 --> 00:39:44,560
Speaker 1: where people have resorted to an armed robbery. And I've

833
00:39:44,600 --> 00:39:46,800
Speaker 1: seen it firsthand with myself. Every time I've gone to Nigeria,

834
00:39:46,800 --> 00:39:51,400
Speaker 1: we've always gone with heavy, heavy, heavy like protection and

835
00:39:51,440 --> 00:39:56,200
Speaker 1: so yeah, it's just it's unfortunate. And so in nineteen

836
00:39:56,280 --> 00:39:59,680
Speaker 1: ninety two, I guess something called the Special Anti Robbery

837
00:39:59,719 --> 00:40:04,880
Speaker 1: School was formed called STARS. They were a special like

838
00:40:04,920 --> 00:40:08,040
Speaker 1: a there were supposed to be a Nigerian police force

839
00:40:08,160 --> 00:40:11,800
Speaker 1: unit that was supposed to combat this anti robbery.

840
00:40:11,800 --> 00:40:12,680
Speaker 2: And I'll give you an example.

841
00:40:13,400 --> 00:40:15,200
Speaker 1: My dad, he had not been back to Nigerian in

842
00:40:15,239 --> 00:40:17,840
Speaker 1: a number of years, went with my sister Karen is

843
00:40:17,960 --> 00:40:20,880
Speaker 1: driving down whatever road. Police stands in the middle of

844
00:40:20,880 --> 00:40:23,319
Speaker 1: the road, tells them to pull over. Your light is out.

845
00:40:23,360 --> 00:40:26,360
Speaker 1: He's like, okay, it's not but okay, pulls over and

846
00:40:26,440 --> 00:40:27,799
Speaker 1: says your light is out. That's going to be a

847
00:40:27,840 --> 00:40:30,239
Speaker 1: fine of Let's just say, like I don't know two

848
00:40:30,320 --> 00:40:32,080
Speaker 1: hundred n ira, which might be like I don't know

849
00:40:32,160 --> 00:40:36,239
Speaker 1: a few dollars and he's like what no, so continues

850
00:40:36,280 --> 00:40:37,800
Speaker 1: to tell him, well, well.

851
00:40:37,719 --> 00:40:39,319
Speaker 2: Then you just go to jail. My dad's like okay,

852
00:40:39,440 --> 00:40:39,759
Speaker 2: let's go.

853
00:40:40,680 --> 00:40:43,239
Speaker 1: And I remember my sister Karen telling me this and

854
00:40:43,320 --> 00:40:45,760
Speaker 1: at the time she was young, she was like eleven,

855
00:40:46,640 --> 00:40:47,479
Speaker 1: she's now in her forty.

856
00:40:47,560 --> 00:40:49,440
Speaker 2: Sorry, Karen, She's like.

857
00:40:49,400 --> 00:40:53,719
Speaker 3: My business and there's no shot.

858
00:40:54,800 --> 00:40:57,360
Speaker 1: And they took him to jail or it's either message

859
00:40:57,360 --> 00:40:59,120
Speaker 1: to Karen, my sister at Lisa. Either way, they took

860
00:40:59,200 --> 00:41:02,520
Speaker 1: him to jail and he sat there until he agreed

861
00:41:02,520 --> 00:41:06,719
Speaker 1: to pay whatever kind of like ransom and that those

862
00:41:06,719 --> 00:41:10,040
Speaker 1: were police officers I have seen firsthand. So last time

863
00:41:10,040 --> 00:41:12,040
Speaker 1: that we went like as a family, my father actually

864
00:41:12,120 --> 00:41:16,120
Speaker 1: hired police officers to be our armed escort so we

865
00:41:16,160 --> 00:41:18,000
Speaker 1: would be pulled over and then they'd be like, oh,

866
00:41:18,040 --> 00:41:19,839
Speaker 1: it's my friend the other police officer, so we would

867
00:41:19,840 --> 00:41:20,360
Speaker 1: be allowed to go.

868
00:41:20,440 --> 00:41:21,879
Speaker 2: But I saw like.

869
00:41:21,800 --> 00:41:25,799
Speaker 1: I'm talking about, like like aka's to your car, pull over.

870
00:41:25,840 --> 00:41:26,560
Speaker 2: Now I'm shooting.

871
00:41:26,600 --> 00:41:31,000
Speaker 1: And it's reached a fever, a feverish peak with the

872
00:41:31,120 --> 00:41:33,680
Speaker 1: SAR squad where they if you are a young person

873
00:41:33,719 --> 00:41:35,680
Speaker 1: that has a nice phone or is dressed nicely, they

874
00:41:35,719 --> 00:41:39,760
Speaker 1: have been stopping. People have been killed. And I actually

875
00:41:39,840 --> 00:41:44,600
Speaker 1: was just what's happening with my cousin Effie and I'm Nigeria,

876
00:41:44,680 --> 00:41:46,840
Speaker 1: just checking on him and seeing if he was okay,

877
00:41:47,520 --> 00:41:51,040
Speaker 1: and he was like yeah, So he was like, yeah,

878
00:41:51,040 --> 00:41:55,160
Speaker 1: I'm okay. I'm in Port Hardcourt that's where he lives.

879
00:41:55,200 --> 00:41:59,480
Speaker 1: It's mostly in Legis in Abuja, which are two major cities.

880
00:41:59,520 --> 00:42:02,160
Speaker 1: And he said, sorrows are what they are. Their activities

881
00:42:02,160 --> 00:42:05,880
Speaker 1: are very notorious. They can harass you anyhow without you

882
00:42:05,920 --> 00:42:09,279
Speaker 1: committing anything. If you enter into their net to bail

883
00:42:09,320 --> 00:42:12,160
Speaker 1: yourself out. Sometimes you've pay over five hundred thousand k

884
00:42:12,320 --> 00:42:15,000
Speaker 1: This is in naira. This might be a few hundred dollars,

885
00:42:15,000 --> 00:42:18,279
Speaker 1: which is a significant amount of money, depending and some

886
00:42:18,320 --> 00:42:22,359
Speaker 1: people come out to form or it's death, it's harassment

887
00:42:22,520 --> 00:42:23,400
Speaker 1: and extortion.

888
00:42:23,640 --> 00:42:24,719
Speaker 2: This is what he's just telling me.

889
00:42:24,760 --> 00:42:27,920
Speaker 1: And he's like, people are tired of their listed activities

890
00:42:27,960 --> 00:42:30,400
Speaker 1: and the protest is for the government to dissolve the unit.

891
00:42:31,080 --> 00:42:33,640
Speaker 1: The last time the government agreed to reform the unit,

892
00:42:34,160 --> 00:42:36,879
Speaker 1: there wasn't a proper mechanism in place. So but I'm

893
00:42:37,040 --> 00:42:39,480
Speaker 1: just now looking and I was like doing some research

894
00:42:39,480 --> 00:42:42,640
Speaker 1: because I wanted to post about it, and it looks like,

895
00:42:42,719 --> 00:42:46,680
Speaker 1: literally as of a few hours ago, that the president

896
00:42:46,719 --> 00:42:50,720
Speaker 1: has agreed to disband STARS, So we will see. Literally

897
00:42:51,360 --> 00:42:54,680
Speaker 1: it says STARS has ended. The Nigerian police Force is dissolved,

898
00:42:54,719 --> 00:42:57,959
Speaker 1: so we'll see there's a lot of This is why

899
00:42:58,760 --> 00:43:01,319
Speaker 1: I think people in America don't understand why it is

900
00:43:01,440 --> 00:43:04,759
Speaker 1: so critically important to maintain a middle class, because what's

901
00:43:04,760 --> 00:43:06,480
Speaker 1: happening in Nigeria is that you have the very very

902
00:43:06,560 --> 00:43:08,880
Speaker 1: rich and the very very poor. When there is no

903
00:43:08,920 --> 00:43:13,239
Speaker 1: middle class, people will result, meaning those who are very

904
00:43:13,320 --> 00:43:17,240
Speaker 1: very poor will result into feeding themselves and their family,

905
00:43:17,320 --> 00:43:21,200
Speaker 1: oftentimes in ways that you cannot imagine. But we don't

906
00:43:21,239 --> 00:43:23,040
Speaker 1: know that because we have a middle class to kind

907
00:43:23,040 --> 00:43:26,880
Speaker 1: of balance out. But our current administration, the way it

908
00:43:26,960 --> 00:43:29,800
Speaker 1: is structured itself, it is squeezing out the middle class.

909
00:43:29,960 --> 00:43:32,279
Speaker 1: And it's so funny because it's like the middle class.

910
00:43:32,000 --> 00:43:33,760
Speaker 2: That's supporting whatever.

911
00:43:33,800 --> 00:43:35,480
Speaker 1: Some people are just they don't even realize that they're

912
00:43:35,480 --> 00:43:36,960
Speaker 1: working against their own best interests.

913
00:43:37,000 --> 00:43:38,799
Speaker 2: But okay, but yeah, so.

914
00:43:38,760 --> 00:43:40,239
Speaker 1: I just wanted to, like, you know, so it's like,

915
00:43:40,520 --> 00:43:42,359
Speaker 1: so we'll see. Hopefully I'm going to post some more

916
00:43:42,400 --> 00:43:44,120
Speaker 1: bat it on my social because I thought to myself

917
00:43:45,120 --> 00:43:48,640
Speaker 1: as a I consider myself African American, I consider myself Nigerian.

918
00:43:48,680 --> 00:43:51,719
Speaker 1: I insider myself black a woman, So I posted a

919
00:43:51,760 --> 00:43:54,720
Speaker 1: lot about Black Lives Matter. I can't be silent about SARS.

920
00:43:55,239 --> 00:43:56,719
Speaker 1: At first, I was like, well, I don't only know much,

921
00:43:56,719 --> 00:43:58,000
Speaker 1: and I was like, girl, do you know all the

922
00:43:58,040 --> 00:44:00,400
Speaker 1: things about Black Lives Matter? And yet you posted so

923
00:44:00,560 --> 00:44:02,520
Speaker 1: don't you know? I told myself, I'm not that's not

924
00:44:02,560 --> 00:44:05,480
Speaker 1: the excuse, Tiffany. So yeah, I just wanted to share that.

925
00:44:05,840 --> 00:44:08,520
Speaker 1: And if any of y'all are familiar or if any

926
00:44:08,560 --> 00:44:12,680
Speaker 1: of our our listeners are actually in Nigeria or surrounding

927
00:44:12,719 --> 00:44:14,839
Speaker 1: countries and you have like more kind of like on

928
00:44:14,880 --> 00:44:18,040
Speaker 1: the ground, be back up of what's happening. I would

929
00:44:18,080 --> 00:44:19,960
Speaker 1: love to know. Certainly tag me at the Budgetista. I

930
00:44:20,760 --> 00:44:23,080
Speaker 1: want to learn more and like what the hardest part

931
00:44:23,080 --> 00:44:26,280
Speaker 1: for me is, I'm not clear of what can be done.

932
00:44:26,840 --> 00:44:29,520
Speaker 1: What other Nigerians are just asking is that you shared it,

933
00:44:29,560 --> 00:44:32,000
Speaker 1: because in so sharing, you're shaming the government to make

934
00:44:32,040 --> 00:44:34,920
Speaker 1: a move. But other than that is you know what

935
00:44:34,960 --> 00:44:37,480
Speaker 1: else can we do? So that's probably my biggest I'm asking.

936
00:44:38,120 --> 00:44:40,200
Speaker 1: I was just asking Iffy, my cousin, and he was like,

937
00:44:40,280 --> 00:44:42,799
Speaker 1: right now, share as much as possible because right now

938
00:44:42,840 --> 00:44:45,280
Speaker 1: it's forcing the government's hand because the world is watching.

939
00:44:45,480 --> 00:44:48,799
Speaker 3: So yes, and it's almost like you know, America and

940
00:44:49,120 --> 00:44:51,560
Speaker 3: for what it's worth, like I know there's people who

941
00:44:51,560 --> 00:44:55,280
Speaker 3: are very much against the US interfering so to speak

942
00:44:55,280 --> 00:44:59,040
Speaker 3: in other countries situations to come to aid or whatever,

943
00:44:59,440 --> 00:45:01,520
Speaker 3: and of course we have like a not the greatest

944
00:45:01,600 --> 00:45:04,960
Speaker 3: track record of doing that to anyone's benefit. That being said,

945
00:45:05,120 --> 00:45:09,120
Speaker 3: I feel like if American citizens stand up and call attention,

946
00:45:09,200 --> 00:45:12,360
Speaker 3: I mean, that's that's I feel like sometimes more powerful

947
00:45:12,400 --> 00:45:14,520
Speaker 3: the same way that Nigerian citizens that seems like they've

948
00:45:14,520 --> 00:45:17,239
Speaker 3: stood up and said enough, like we're not going to

949
00:45:17,239 --> 00:45:20,839
Speaker 3: tolerate this anymore. Was it inspired at all, like by

950
00:45:20,960 --> 00:45:24,280
Speaker 3: the Black Lives Matter movement? Because like that, so SARS

951
00:45:24,320 --> 00:45:26,640
Speaker 3: has been around for nearly thirty years. Now, what do

952
00:45:26,640 --> 00:45:29,360
Speaker 3: you think is changing now? Like people are rising up

953
00:45:29,360 --> 00:45:29,799
Speaker 3: against it.

954
00:45:29,800 --> 00:45:33,120
Speaker 1: It's funny because actually my sister Lisa, one of her professor,

955
00:45:33,200 --> 00:45:35,640
Speaker 1: is one of the ones that started the movement. He

956
00:45:35,719 --> 00:45:39,319
Speaker 1: has been on the ground for a long time. They

957
00:45:39,360 --> 00:45:42,960
Speaker 1: actually arrested him on some bogus charges. They've since stripped

958
00:45:43,040 --> 00:45:45,000
Speaker 1: him of He's out of jail after a year being

959
00:45:45,040 --> 00:45:49,719
Speaker 1: held without cause, and they sent stripped him of his year. Hm.

960
00:45:49,880 --> 00:45:52,440
Speaker 1: They stripped him of his passport, so he can't go anywhere.

961
00:45:52,640 --> 00:45:54,680
Speaker 1: So he said, fine, if I'm stuck here, I will

962
00:45:54,760 --> 00:45:59,000
Speaker 1: use social media. So what you're seeing is accumulation of

963
00:45:59,160 --> 00:46:03,000
Speaker 1: his efforts and the efforts of the people who who

964
00:46:03,239 --> 00:46:04,719
Speaker 1: just like him want to see a change. And so

965
00:46:05,080 --> 00:46:08,400
Speaker 1: I think what helped is they saw the I don't

966
00:46:08,640 --> 00:46:12,000
Speaker 1: it wasn't Black Lives Matter that made the movement happen.

967
00:46:12,080 --> 00:46:13,919
Speaker 1: I think it's what it's like it helped to open

968
00:46:14,000 --> 00:46:16,560
Speaker 1: the door for the movement to be heard because, like

969
00:46:16,560 --> 00:46:19,880
Speaker 1: I said, I've been this, you know point Like I

970
00:46:19,920 --> 00:46:21,480
Speaker 1: was like like the last time I went to Nigeria

971
00:46:21,560 --> 00:46:23,200
Speaker 1: was like ten years ago, and I saw this myself

972
00:46:23,239 --> 00:46:25,040
Speaker 1: with my own two So this is not a new issue.

973
00:46:25,040 --> 00:46:27,680
Speaker 1: This is not something that Nigeria's have not been talking about.

974
00:46:27,719 --> 00:46:31,239
Speaker 1: I just think that now it's like, Okay, you know,

975
00:46:31,320 --> 00:46:34,719
Speaker 1: it's scary because there is at least some.

976
00:46:34,520 --> 00:46:36,920
Speaker 2: Law in order here in some ways.

977
00:46:37,440 --> 00:46:40,360
Speaker 1: But there are places like literally I saw the policeman

978
00:46:40,520 --> 00:46:42,200
Speaker 1: like shoot his gun in the air and point it

979
00:46:42,280 --> 00:46:44,320
Speaker 1: like at a family in a car and say stop

980
00:46:44,440 --> 00:46:45,520
Speaker 1: or all of you it's I.

981
00:46:45,520 --> 00:46:46,759
Speaker 2: Mean, and then what can you do? You know what

982
00:46:46,800 --> 00:46:48,680
Speaker 2: I mean, Like what Yeah.

983
00:46:48,800 --> 00:46:51,320
Speaker 1: So it's just so I think so a lot of

984
00:46:51,320 --> 00:46:54,160
Speaker 1: people are afraid because you're really literally putting your life

985
00:46:54,200 --> 00:46:57,279
Speaker 1: on the line some places when you protest. We we

986
00:46:57,320 --> 00:46:59,839
Speaker 1: don't know, I mean we know, but we don't know

987
00:47:00,280 --> 00:47:04,279
Speaker 1: that level of scariness where you know, yeah, it's just

988
00:47:04,320 --> 00:47:05,680
Speaker 1: like well, I don't want to compare like, you know,

989
00:47:05,760 --> 00:47:09,279
Speaker 1: struggle for struggle, but it's just a different level of Yeah,

990
00:47:09,280 --> 00:47:11,279
Speaker 1: it's just a different level of like what's allowed, and

991
00:47:11,320 --> 00:47:14,720
Speaker 1: so I am grateful that Black Lives Matter has made

992
00:47:15,080 --> 00:47:17,120
Speaker 1: Like you know, I don't want to take away from

993
00:47:17,120 --> 00:47:18,600
Speaker 1: the movement of what they've done on their own, but

994
00:47:18,600 --> 00:47:24,760
Speaker 1: I just think that it's emboldened this type of protest.

995
00:47:24,920 --> 00:47:27,000
Speaker 1: And so yeah, so yeah, Like I said, I want

996
00:47:27,040 --> 00:47:29,160
Speaker 1: to I want to share more. I want to learn more.

997
00:47:29,160 --> 00:47:32,080
Speaker 1: If you guys know more, please share especially. I want

998
00:47:32,080 --> 00:47:34,279
Speaker 1: to find solutions or things that people can do here

999
00:47:34,360 --> 00:47:37,000
Speaker 1: and abroad to help and to be of service other

1000
00:47:37,080 --> 00:47:40,040
Speaker 1: than just sharing. But the sharing alone is really important.

1001
00:47:40,280 --> 00:47:42,200
Speaker 3: Well, thank you for sharing, because I was not aware

1002
00:47:42,200 --> 00:47:44,600
Speaker 3: of that at all. So I learned something today.

1003
00:47:44,480 --> 00:47:49,640
Speaker 4: No problem, all right, Well that I believe is the show.

1004
00:47:49,800 --> 00:47:55,239
Speaker 4: It is another week, another week closer to elect Oh god,

1005
00:47:55,800 --> 00:47:57,360
Speaker 4: I hear the little one.

1006
00:47:57,640 --> 00:48:05,040
Speaker 3: He crawls like a sprinter, sprints like I have never

1007
00:48:05,040 --> 00:48:08,240
Speaker 3: seen a human move so fast on four lands and insane.

1008
00:48:08,719 --> 00:48:10,440
Speaker 2: These kids are fast out here in these streets.

1009
00:48:10,960 --> 00:48:14,399
Speaker 3: They're so fast. All right. Well, I'll take care, have

1010
00:48:14,440 --> 00:48:17,239
Speaker 3: a good rest of your week. Happy early voting, you too,

1011
00:48:18,040 --> 00:48:18,800
Speaker 3: Hi bye, y'all.