WEBVTT - Is it Time to Get a Financial Advisor? 

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<v Speaker 1>Mandra, Do you know what I need? I need to

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<v Speaker 1>walk in these streets in my BA swag. You know

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<v Speaker 1>what I'm really looking forward to? First of all, be

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<v Speaker 1>your own Brown Boost. What an awesome phrase. I cannot

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<v Speaker 1>wait to wear that on my chest like Superman. And

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<v Speaker 1>what I'm really excited for, though, is I am a

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<v Speaker 1>sweatshirt and like hoodie girl. So the classic Brown Ambition

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<v Speaker 1>logo sweatshirt has my name.

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<v Speaker 2>All over it. But where can I go? Where can

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<v Speaker 2>I find it?

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<v Speaker 3>I was hoping you would ask Young Tiffany. Tiffany, get

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<v Speaker 3>your Brown Ambition swag at Brown Ambitionstore dot com. Five

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<v Speaker 3>years in the game, we finally have merch for you guys.

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<v Speaker 3>So get your Brown Ambition hoodie, your Brown Ambition crew

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<v Speaker 3>neck tea, get a onesie for your littles. We got

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<v Speaker 3>toddler teas. Oh my goodness, there's something for everyone. Be

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<v Speaker 3>your own Brown Boost T shirt for sure. We have

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<v Speaker 3>a Brown Ambition mug, which my family is most excited about.

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<v Speaker 3>I had to do the fifteen out size for my

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<v Speaker 3>big sister because she drinks coffee Like nobody's business.

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<v Speaker 2>Oh, you know on the budget needs to write any

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<v Speaker 2>special offer.

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<v Speaker 3>Oh I'm also very glad you asked that question, Tiffany. Yes,

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<v Speaker 3>with Brown Ambition fifteen, that's promo code Brown Ambition fifteen

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<v Speaker 3>all one word, you can get fifteen percent off your

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<v Speaker 3>order at Brown ambitionstore dot com.

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<v Speaker 1>I can't wait to see y'all in these BA streets

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<v Speaker 1>repping ba bam with your BA swag.

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<v Speaker 2>Hey, hey, hey we're back. We're black, We're black. I

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<v Speaker 2>did that for for Rio, Sirio.

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<v Speaker 3>Hey weo.

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<v Speaker 2>Hey managine that was for real. Yes, that was thank you.

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<v Speaker 3>I'll let him know. I'll let him know. Oh my god.

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<v Speaker 3>I was thinking we should do like a like a

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<v Speaker 3>star spangled banner version of our intro because I feel

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<v Speaker 3>I just am so excited for the election, and I like,

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<v Speaker 3>my dad was giving me live updates from the Atlanta

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<v Speaker 3>polls today.

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<v Speaker 2>Okay, how.

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<v Speaker 3>Well, I'm really impressed by Atlanta because they let you

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<v Speaker 3>vote so early. We can't vote early in New York

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<v Speaker 3>until the week before the general election. But yeah, so

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<v Speaker 3>he he said. It was a long line. I think

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<v Speaker 3>he was there for four hours or so, and he

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<v Speaker 3>was sending me video updates. And I will say everyone

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<v Speaker 3>was like socially distanced. I saw a lot of masks

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<v Speaker 3>and it just made me feel so good because I've

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<v Speaker 3>been stressed out the last week and a half because

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<v Speaker 3>I guess I took for granted that everyone feels this

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<v Speaker 3>real urge to vote and exercise their right to cast

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<v Speaker 3>their ballot for elected officials, because like, I'm not gonna lie,

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<v Speaker 3>Like I guess there's a lot of you know, my

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<v Speaker 3>family in Atlanta, a lot of my dad's family. They

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<v Speaker 3>I can't blame them, right, They don't trust government, they

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<v Speaker 3>don't trust politicians. They say, no matter what we do,

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<v Speaker 3>nothing changes. Black bodies are still being murdered by people

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<v Speaker 3>and you know, wearing uniforms and it's completely sanctioned and

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<v Speaker 3>nothing ever changes, and like and I and I get it,

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<v Speaker 3>but I just thought, because I've I've seen my cousins

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<v Speaker 3>go to like protests and talk about what's happening with

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<v Speaker 3>Black Lives Matter and all that. But I started to

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<v Speaker 3>get the sense that they weren't like registered, And I

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<v Speaker 3>might have gone a little extra, but I feel really,

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<v Speaker 3>I felt really compelled to do what I could to

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<v Speaker 3>try to get them to at least register. And the

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<v Speaker 3>deadline was the was the first week of October. And

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<v Speaker 3>I might have gone a little overboard, but I was

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<v Speaker 3>like texting and then I the good thing is that

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<v Speaker 3>anyone can do this. You can go to your state's

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<v Speaker 3>Board of Election site, and Georgia has a cool site

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<v Speaker 3>where you can like check to see if you're registered,

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<v Speaker 3>and you just need your date of birth and it'll

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<v Speaker 3>tell you. It'll tell you actually are you registered, and

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<v Speaker 3>the status if you've if you've mailed in a ballot request.

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<v Speaker 2>I saw. I love that.

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<v Speaker 3>Yeah. And my aunt, you know, she's older, she's disabled,

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<v Speaker 3>her husband's disabled. So she was and she was like

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<v Speaker 3>kind of offhanded, saying that she had mailed in her

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<v Speaker 3>request for a mail in or not mailed in. Sorry.

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<v Speaker 3>She submitted her request for a mail in ballot in

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<v Speaker 3>September and hadn't gotten her ballot yet, and it's just

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<v Speaker 3>like the smallest bit of information. She was thinking she

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<v Speaker 3>had to go to like the her local like I

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<v Speaker 3>don't know whatever local government office to check on her ballot.

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<v Speaker 3>And I was like, let me just go on the

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<v Speaker 3>internet really quick, give me your date of birth, let

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<v Speaker 3>me check for you. And I could see that they

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<v Speaker 3>had received it. I don't know why, but they received

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<v Speaker 3>it a whole entire month after she had sent it

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<v Speaker 3>and they had finally issued it this past week. Okay,

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<v Speaker 3>so it's her, It's on its way to her. And

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<v Speaker 3>then I could check my dad and I could see

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<v Speaker 3>that even though he requested a mail in ballot, they

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<v Speaker 3>said they had received it, but they hadn't sent his

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<v Speaker 3>to him or he hadn't received it. So he was like, look,

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<v Speaker 3>I'm just going to go stand in this line.

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<v Speaker 2>Good.

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<v Speaker 3>I sat. He did, Yeah, And I don't know that

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<v Speaker 3>I've been I was trying to, Like, I was thinking,

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<v Speaker 3>I'm just going to post for every single state what

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<v Speaker 3>the deadlines are. And I'm like, that's I can't do it.

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<v Speaker 3>But but if there's anybody, if if there's still time,

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<v Speaker 3>if there's still time to at least get people in

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<v Speaker 3>your life registered. You know, that's like the one if

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<v Speaker 3>we could have just gotten one friend to vote who

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<v Speaker 3>didn't vote in the last election, I think we would

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<v Speaker 3>be an entirely, entirely different different worlds. So I'm just like, ah,

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<v Speaker 3>please vote, Please be cynical after November fourth, yeah, remember third,

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<v Speaker 3>just be cynical the next day if you want to,

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<v Speaker 3>but please vote, please please please vote.

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<v Speaker 1>Well, I, like I said, I got my mail in

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<v Speaker 1>dall let's see filled it out yesterday, so me and

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<v Speaker 1>Superman too. Tomorrow I'm gonna find I don't want to

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<v Speaker 1>put in the mailbox. I'm gonna like, here where I live,

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<v Speaker 1>there are those boxes specifically for ballots. I'm going to

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<v Speaker 1>find one of those and take it in tomorrow so

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<v Speaker 1>I can loosaw. The day of the Supermom, super Girl's

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<v Speaker 1>mom came over. She's like, oh, you know, I didn't

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<v Speaker 1>get my in the mail and but I believe here

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<v Speaker 1>in Jersey we can actually go and pick one up.

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<v Speaker 2>So she said she's going to do that as well.

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<v Speaker 1>So it's just and then my sisters they still register

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<v Speaker 1>at my parents, So theirs came in because when I

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<v Speaker 1>went to visit my parents this weekend, I saw it

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<v Speaker 1>and I was like, okay, so you know, I picked

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<v Speaker 1>up my sisters and the ones who lived near me

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<v Speaker 1>and dropped it off to them.

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<v Speaker 2>So I'm not gonna lie.

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<v Speaker 1>I feel anxious but hopeful. I guess those are the

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<v Speaker 1>two emotions I feel about the upcoming election. I'm not

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<v Speaker 1>gonna take it because we you know, we were all

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<v Speaker 1>feeling so smug last time, like and I was like, wait, what,

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<v Speaker 1>so I don't you know I still feel anxious and

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<v Speaker 1>I'm just brace on.

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<v Speaker 3>I showed up in a pants suit to vote for Hillary,

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<v Speaker 3>pants suit and pearls, and I look at that photo

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<v Speaker 3>and I'm like, I just look, if only she knew

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<v Speaker 3>I know, only that poor man, you were brilliant.

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<v Speaker 1>But yeah, speaking of shady lately, I don't know if

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<v Speaker 1>you know, but this is just random, but not kind

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<v Speaker 1>of random.

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<v Speaker 2>I have been getting like some people.

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<v Speaker 1>I don't know, this is a new thing, but people

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<v Speaker 1>will have been like, hey, we want you to be

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<v Speaker 1>on our podcast or we want you to interview you,

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<v Speaker 1>and then they send me a release form that basically

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<v Speaker 1>says I own your life in perpetuity. One of the

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<v Speaker 1>release firm literally said something about to be able to

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<v Speaker 1>use it on any platform known to man in the universe.

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<v Speaker 3>I was like, the universe stout, you don't own it's

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<v Speaker 3>a song.

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<v Speaker 2>I just I don't know if that's a thing.

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<v Speaker 3>People don't read the fine print anymore.

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<v Speaker 2>Yeah, but it's been really crazy.

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<v Speaker 1>I was like, what, I'm just coming on to talk

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<v Speaker 1>about budgeting?

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<v Speaker 2>I don't so I've had to go in and say no.

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<v Speaker 1>Because one time I signed a contract I was doing

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<v Speaker 1>like a conference, like one of these online conferences.

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<v Speaker 2>I didn't think anything of it.

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<v Speaker 1>I was like, okay, the brand is sizeable enough and

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<v Speaker 1>signed in, did the webinar or whatever the conference and

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<v Speaker 1>it was great then, and I want to say six

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<v Speaker 1>months like eight months later, I was someone sent me

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<v Speaker 1>a screenshot was like, oh, I didn't know that you

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<v Speaker 1>do spokesperson work whatever for this brand.

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<v Speaker 2>I said, I don't.

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<v Speaker 1>They're like, oh, your pictures in an ad and I

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<v Speaker 1>was like, because I used their service and I.

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<v Speaker 2>Was like, hmmm, I didn't. I didn't sanction that.

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<v Speaker 1>So when I wrote them the service, yes, I wrote

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<v Speaker 1>them and I was like, hey, because I know some

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<v Speaker 1>people pretty high up, because they've been trying to recruit

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<v Speaker 1>me to do different things. I said, hey, I'm seeing

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<v Speaker 1>this ad. It makes me uncomfortable.

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<v Speaker 2>You know, I don't. I don't know what what what

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<v Speaker 2>is this?

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<v Speaker 1>This is not you know, I know we did like

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<v Speaker 1>a you know, a conference together, but this is not

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<v Speaker 1>what I agreed to.

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<v Speaker 2>And they're like, oh, no, worries, we can take it down.

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<v Speaker 2>I said okay, And then either the CEO or somebody

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<v Speaker 2>came and.

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<v Speaker 1>It was like, actually, when you signed you know, the release,

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<v Speaker 1>you did agree to this girl, when I tell you,

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<v Speaker 1>I was ready to flip over the table. I guess

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<v Speaker 1>he realized, you know what, I don't want to smoke,

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<v Speaker 1>because within moments he wrote back, was like, but you know,

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<v Speaker 1>will gladly take it down and blah blah blah. So

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<v Speaker 1>at tu he probably was right. I probably didn't fully

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<v Speaker 1>read the release, but bruh, you don't want me to

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<v Speaker 1>drag your service from six ways from Sunday because I

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<v Speaker 1>was fixing to be like, oh, not what we gonna do?

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<v Speaker 1>First of all, want I'm leaving the service too. I

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<v Speaker 1>will let everyone know you are the literal worst. So

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<v Speaker 1>I guess he thought about it because, literally, like I said,

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<v Speaker 1>within ten minutes he wrote back and said, but we'll

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<v Speaker 1>take it down, and they since paid me.

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<v Speaker 2>To work with them.

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<v Speaker 1>But yeah, I just just putting that out there for

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<v Speaker 1>all you creators and things like that.

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<v Speaker 2>Make sure you read your contracts.

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<v Speaker 1>Lately, typically the release will say something like, hey, we

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<v Speaker 1>can use your picture as it relates to this one thing,

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<v Speaker 1>but lately they've been really really crazy. When this one

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<v Speaker 1>said anything in the universe, I'm like, who wrote this wit?

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<v Speaker 3>It literally said that, yes, that just covers like if

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<v Speaker 3>there's life on Mars and they want to put a

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<v Speaker 3>billboard up. I was like, the universe, they're gonna be

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<v Speaker 3>watching your ads on the Tesla cabs to the movie.

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<v Speaker 2>Oh my gosh. So yeah. I mean well, like I said,

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<v Speaker 2>it was literally like, hey be on my podcast.

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<v Speaker 1>I'm like, well, why don't we need to give you

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<v Speaker 1>Why do I need to give you ownership of my

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<v Speaker 1>of my likeness forever and ever and ever on Mars

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<v Speaker 1>as well. So, just being min Fi, I just thought

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<v Speaker 1>that was like randomly like this a little business funny,

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<v Speaker 1>but not so funny because you want to make sure

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<v Speaker 1>you read carefully, if you don't understand to ask questions,

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<v Speaker 1>you know, if you can't afford an attorney.

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<v Speaker 2>So yeah, there's that. So I just hat to share that.

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<v Speaker 3>Oh well, that's I mean. It reminds me of like

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<v Speaker 3>when you see stars in Hollywood kind of get bigger

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<v Speaker 3>and then a studio that they worked with like ten

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<v Speaker 3>years before the movie never got released. All of a sudden,

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<v Speaker 3>it'll be on like straight to video or be released

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<v Speaker 3>in theaters. They're trying to capitalize. So yeah, read that

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<v Speaker 3>vibe right y'all. M h, what else, what's going on?

0:10:39.200 --> 0:10:43.520
<v Speaker 3>I've recruited my mother to help me hire a nanny, okay,

0:10:44.640 --> 0:10:48.200
<v Speaker 3>which actually, you know, my mom's retired and I'm like, hmm,

0:10:48.640 --> 0:10:51.600
<v Speaker 3>you got some free time. Let me tell you how

0:10:51.679 --> 0:10:55.240
<v Speaker 3>little time I have. It's like, I really really need childcare.

0:10:55.360 --> 0:10:58.000
<v Speaker 3>And we've been like, you know, we've been cobbling in

0:10:58.040 --> 0:11:01.120
<v Speaker 3>together between mother in law and between a neighbor's daughter

0:11:01.160 --> 0:11:04.080
<v Speaker 3>in the neighborhood, who's sweet. But you know, to have

0:11:04.120 --> 0:11:06.439
<v Speaker 3>someone who you can consistently rely on the hours you

0:11:06.480 --> 0:11:10.000
<v Speaker 3>need them anyhow, So thanks shout out to my mama,

0:11:10.080 --> 0:11:12.960
<v Speaker 3>and if y'all have any tips on vetting a childcare

0:11:13.040 --> 0:11:17.920
<v Speaker 3>and a childcare worker in a pandemic, like I'm it

0:11:17.960 --> 0:11:20.560
<v Speaker 3>has to happen. I just can't keep telling myself like this,

0:11:20.559 --> 0:11:23.280
<v Speaker 3>this really needs to happen. This tiny human is like

0:11:23.320 --> 0:11:29.000
<v Speaker 3>a tiny hurricane, really really really cute hurricane. But yeah,

0:11:29.040 --> 0:11:30.520
<v Speaker 3>it's it's next level now.

0:11:30.880 --> 0:11:32.480
<v Speaker 1>Yeah, I mean, well, I'll have to say as far

0:11:32.520 --> 0:11:34.439
<v Speaker 1>as like on the teacher, and you're definitely gonna like

0:11:34.480 --> 0:11:37.640
<v Speaker 1>see if someone has like first aid, like you know,

0:11:37.679 --> 0:11:41.080
<v Speaker 1>a certification things like that, you know. Yeah, and it

0:11:41.160 --> 0:11:44.000
<v Speaker 1>also too like one thing that when I was a

0:11:44.000 --> 0:11:47.400
<v Speaker 1>teacher was that we we would have to get a fingerprinted.

0:11:47.440 --> 0:11:50.200
<v Speaker 2>So that's always like a nice like added level.

0:11:51.240 --> 0:11:54.040
<v Speaker 3>Well like care dot com has a background check and

0:11:54.080 --> 0:11:56.520
<v Speaker 3>then you can do additional ones. I think, well, the

0:11:56.559 --> 0:11:58.600
<v Speaker 3>thing is my mom. I'm gonna I hope that she's

0:11:59.080 --> 0:12:01.520
<v Speaker 3>gonna do like virtual interviews because for me, I just

0:12:01.520 --> 0:12:03.439
<v Speaker 3>want them to be fun, like I just want them

0:12:03.480 --> 0:12:06.560
<v Speaker 3>to have a fun personality and to cause I you know,

0:12:06.600 --> 0:12:08.760
<v Speaker 3>I try and coach whoever is hanging out with the baby.

0:12:08.800 --> 0:12:11.640
<v Speaker 3>It's like, you need to be silly, af you need

0:12:11.679 --> 0:12:15.319
<v Speaker 3>to put on a show. You are a theater production

0:12:15.480 --> 0:12:17.760
<v Speaker 3>and you need a new play every ninety seconds. Okay,

0:12:17.840 --> 0:12:20.439
<v Speaker 3>that is the challenge and that's why it's so exhausting.

0:12:20.520 --> 0:12:23.120
<v Speaker 3>But you just have to have just be as funny

0:12:23.120 --> 0:12:24.800
<v Speaker 3>as possible. I just wanted to know that he's up

0:12:24.800 --> 0:12:28.160
<v Speaker 3>there having fun and not bored. I don't know why that,

0:12:28.800 --> 0:12:31.600
<v Speaker 3>you know, matters to me so much. But you know,

0:12:31.679 --> 0:12:34.679
<v Speaker 3>anyone who's out there trying to vet daycare or whatever

0:12:34.840 --> 0:12:37.240
<v Speaker 3>going into this flu season, just bless you. I'm right

0:12:37.240 --> 0:12:37.880
<v Speaker 3>there with you.

0:12:37.960 --> 0:12:41.040
<v Speaker 1>Yeah, it's hard to vet, like just team members in general.

0:12:41.080 --> 0:12:42.439
<v Speaker 1>Like I was like, we want to I want to

0:12:42.440 --> 0:12:46.480
<v Speaker 1>do some rebranding and it's hard. Like I'm like for

0:12:46.840 --> 0:12:51.320
<v Speaker 1>both the budget Neista just colors and font and in

0:12:51.400 --> 0:12:55.240
<v Speaker 1>literature Academy and to find like it's so crazy, so

0:12:55.400 --> 0:12:58.120
<v Speaker 1>many people like brand strategies websites are coming soon.

0:12:58.200 --> 0:13:02.040
<v Speaker 2>I'm like, uh, what this is.

0:13:02.000 --> 0:13:05.680
<v Speaker 3>Where you get to show and so I'm like, we're

0:13:05.720 --> 0:13:08.640
<v Speaker 3>so busy doing other people's websits. We uh we'll get

0:13:08.640 --> 0:13:09.040
<v Speaker 3>back to our.

0:13:09.080 --> 0:13:10.160
<v Speaker 2>That's literally what it is.

0:13:10.200 --> 0:13:13.360
<v Speaker 1>So I'm just like, ugh, so I've been looking yet

0:13:13.400 --> 0:13:14.600
<v Speaker 1>because I want to, like I want to like, I

0:13:14.600 --> 0:13:17.000
<v Speaker 1>want to like, you know, revitalize the colors and fonts

0:13:17.040 --> 0:13:19.360
<v Speaker 1>and to have like a clear brand message.

0:13:19.400 --> 0:13:21.520
<v Speaker 2>And so you go on You're like, oh.

0:13:21.440 --> 0:13:23.800
<v Speaker 1>Yeah, this must be Bunjanisa because I recognize this font

0:13:23.800 --> 0:13:25.680
<v Speaker 1>in color combination and I have not had that in

0:13:25.679 --> 0:13:27.880
<v Speaker 1>a while. I mean, we've been managing with that, but

0:13:27.920 --> 0:13:29.640
<v Speaker 1>I'm like, come on now, Tiffany, it's time. I used

0:13:29.640 --> 0:13:31.920
<v Speaker 1>to be really conscious about it when I first started

0:13:31.920 --> 0:13:34.360
<v Speaker 1>the business, and then it kind of just fell off.

0:13:34.400 --> 0:13:38.040
<v Speaker 1>So if any y'all know somebody's shoe, I don't even know, Like,

0:13:38.280 --> 0:13:39.320
<v Speaker 1>y'all just be doing the most.

0:13:40.160 --> 0:13:42.600
<v Speaker 3>We have a person for our logo. Tip you want

0:13:42.640 --> 0:13:43.559
<v Speaker 3>me to give you out.

0:13:43.679 --> 0:13:45.319
<v Speaker 2>Yeah, No, that would be great honestly, because I know

0:13:45.640 --> 0:13:47.000
<v Speaker 2>it's great. No, No, that's right.

0:13:47.400 --> 0:13:49.719
<v Speaker 1>I would love because I just because it's not so much.

0:13:49.720 --> 0:13:52.120
<v Speaker 1>I don't need logo creation because we have good logos.

0:13:52.160 --> 0:13:54.840
<v Speaker 1>It's just color and font. I want to you know

0:13:54.960 --> 0:13:57.960
<v Speaker 1>what else a brand it's not a brand kit. What

0:13:58.000 --> 0:14:00.440
<v Speaker 1>are those things called? Like, it's like a brand meet guide,

0:14:00.559 --> 0:14:04.120
<v Speaker 1>brand brand guide. So when someone is creating something, let's

0:14:04.120 --> 0:14:05.559
<v Speaker 1>just say I was going to build a new website,

0:14:05.559 --> 0:14:06.920
<v Speaker 1>I can say here's my brand.

0:14:06.640 --> 0:14:10.120
<v Speaker 2>Guide, like the front guide. Yeah, yes, my style guide.

0:14:10.200 --> 0:14:10.360
<v Speaker 3>Yeah.

0:14:10.360 --> 0:14:12.720
<v Speaker 1>So so like for example, like when the book the

0:14:12.840 --> 0:14:15.840
<v Speaker 1>book cover for my book coming out next year, they

0:14:15.880 --> 0:14:17.840
<v Speaker 1>are like working on the cover and they were asking

0:14:17.880 --> 0:14:19.400
<v Speaker 1>me that I have a style guide and I was

0:14:19.440 --> 0:14:22.760
<v Speaker 1>like no, but I like these thoughts, you know, So

0:14:22.840 --> 0:14:25.160
<v Speaker 1>it would have been nice, you know, to have some

0:14:25.200 --> 0:14:27.360
<v Speaker 1>cohesive thing to say this is you know, this is

0:14:27.360 --> 0:14:28.840
<v Speaker 1>what I I typically lean towards.

0:14:28.840 --> 0:14:32.080
<v Speaker 3>So yeah, I will hook you up. That's exactly what

0:14:32.200 --> 0:14:34.640
<v Speaker 3>our are. I don't even know what to call him.

0:14:34.680 --> 0:14:38.480
<v Speaker 3>He's actually my husband's good friend from college and he

0:14:38.560 --> 0:14:41.920
<v Speaker 3>designed logos for banks and he is the mastermind behind

0:14:42.000 --> 0:14:44.680
<v Speaker 3>our and I love Brown logo and fond and he

0:14:44.760 --> 0:14:47.080
<v Speaker 3>even like, I remember when he was our most recent logo,

0:14:47.120 --> 0:14:49.640
<v Speaker 3>we kind of refreshed for the merch and brandimisionstore dot

0:14:49.680 --> 0:14:53.920
<v Speaker 3>com hashtag, used promo code, brand ambission fifteen and fifty

0:14:53.960 --> 0:14:58.200
<v Speaker 3>percent off your career anyway, So he he even was like, look,

0:14:58.240 --> 0:15:00.680
<v Speaker 3>I tried to find some styles that were made people

0:15:00.720 --> 0:15:03.760
<v Speaker 3>of color. Fir sorry, font fonts that were made but

0:15:03.840 --> 0:15:06.360
<v Speaker 3>designed by people of color, Like who thinks about was

0:15:06.400 --> 0:15:08.400
<v Speaker 3>the person who designed this font black or white? Who

0:15:08.400 --> 0:15:12.800
<v Speaker 3>were they? But he's, yeah, he's super thoughtful like that,

0:15:12.960 --> 0:15:16.120
<v Speaker 3>and yeah, shout out to Wan Lee if he's listening.

0:15:16.440 --> 0:15:19.600
<v Speaker 1>No, yeah, no, I'm for sure because yeah, some of

0:15:19.640 --> 0:15:23.800
<v Speaker 1>the things that have come in, I'm like, uh, where's

0:15:23.840 --> 0:15:27.160
<v Speaker 1>their sight? I can't tell what you do. I can't

0:15:27.160 --> 0:15:30.200
<v Speaker 1>tell that's good or not, you know, So yeah, that's awesome.

0:15:30.360 --> 0:15:33.440
<v Speaker 3>Okay, Well, now you got me thinking about twenty twenty

0:15:33.480 --> 0:15:35.040
<v Speaker 3>one because you told me. I know we can't talk

0:15:35.080 --> 0:15:36.840
<v Speaker 3>about on the show, but you got me excited about

0:15:36.840 --> 0:15:40.440
<v Speaker 3>something happening in twenty twenty one. I feel like I

0:15:40.800 --> 0:15:43.160
<v Speaker 3>need to force myself to look past November to what

0:15:44.040 --> 0:15:48.120
<v Speaker 3>there is to look forward to next year. I don't

0:15:48.160 --> 0:15:50.960
<v Speaker 3>know if big vacations are happening, but my one goal

0:15:51.040 --> 0:15:53.520
<v Speaker 3>is I'm going to see my big sister, Like I

0:15:53.640 --> 0:15:56.400
<v Speaker 3>really need to get some sister time. She has not

0:15:56.480 --> 0:15:59.800
<v Speaker 3>seen her nephew in a year, and I'm trying to

0:15:59.800 --> 0:16:01.720
<v Speaker 3>fit figure out. I don't know if I want to

0:16:01.800 --> 0:16:03.560
<v Speaker 3>like throw the baby in the car. I don't know

0:16:03.560 --> 0:16:07.680
<v Speaker 3>what to do. Bars So she's in Wisconsin. It's a

0:16:07.760 --> 0:16:11.080
<v Speaker 3>good I don't even know. I'm not going to Wisconsin.

0:16:11.080 --> 0:16:12.600
<v Speaker 3>I done told her, I'm like, you need to move.

0:16:13.960 --> 0:16:16.120
<v Speaker 3>I want to go to Wisconsin. I think it's like

0:16:16.200 --> 0:16:19.120
<v Speaker 3>seventeen hours listen, but we can't make it thirty minutes

0:16:19.160 --> 0:16:20.760
<v Speaker 3>in the car without him freaking out. And I have

0:16:20.800 --> 0:16:22.480
<v Speaker 3>to listen to the Elmo song for every one of

0:16:22.480 --> 0:16:26.000
<v Speaker 3>those thirty minutes. Okay, there's no way I will literally die.

0:16:26.240 --> 0:16:28.280
<v Speaker 3>I'd rather just take the risk and you know, fly.

0:16:28.640 --> 0:16:31.920
<v Speaker 3>But yeah, it's it's nonsense. Finally I had to see

0:16:31.960 --> 0:16:35.240
<v Speaker 3>my little brother, have seen my parents recently. But she's

0:16:35.280 --> 0:16:36.920
<v Speaker 3>just work, you know. Unfortunately, she works for one of

0:16:36.960 --> 0:16:41.200
<v Speaker 3>these companies that has such a limited PTO offering that

0:16:41.400 --> 0:16:43.560
<v Speaker 3>her vacation is just it's really hard for them to

0:16:43.560 --> 0:16:47.240
<v Speaker 3>take time off. So, but I'm gonna try and plan

0:16:47.360 --> 0:16:49.080
<v Speaker 3>something so that we can see each other in twenty

0:16:49.080 --> 0:16:49.560
<v Speaker 3>twenty one.

0:16:50.200 --> 0:16:52.760
<v Speaker 2>That's yeah. Now, more than ever you realize how just

0:16:52.760 --> 0:16:53.800
<v Speaker 2>how important family is.

0:16:54.200 --> 0:16:57.800
<v Speaker 3>Amen, sis a friend? Alright, Well, anything else happened in

0:16:57.840 --> 0:16:59.320
<v Speaker 3>the news or should we take a quick break and

0:16:59.360 --> 0:17:03.680
<v Speaker 3>come back fus? Question I think is question. I'm excited

0:17:03.720 --> 0:17:05.760
<v Speaker 3>for today's questions. I spent a lot of time combing

0:17:05.800 --> 0:17:09.800
<v Speaker 3>through the inbox yesterday and DMS and email and all

0:17:09.800 --> 0:17:13.080
<v Speaker 3>that jazz, and I found a couple husband themed ones

0:17:13.080 --> 0:17:15.840
<v Speaker 3>that I think we want to answer. So come back

0:17:15.840 --> 0:17:51.600
<v Speaker 3>for the tea, y'all. Okay, guys, we are back to

0:17:51.680 --> 0:17:55.160
<v Speaker 3>answer your questions again. You can hit us up on Instagram.

0:17:55.240 --> 0:17:58.040
<v Speaker 3>We are at Brannanmbisson podcast on the Gram send us

0:17:58.040 --> 0:18:01.760
<v Speaker 3>a DM. We're also old school email brand Ambition podcast

0:18:01.880 --> 0:18:05.520
<v Speaker 3>at gmail dot com dot com. So, as promised, I

0:18:05.520 --> 0:18:10.040
<v Speaker 3>found a couple questions that each feature a problematic husband.

0:18:10.400 --> 0:18:13.520
<v Speaker 3>So or I guess you know what I don't. Yeah,

0:18:13.560 --> 0:18:16.480
<v Speaker 3>I'm gonna say partner husband whatever, a partner? All right,

0:18:16.520 --> 0:18:19.320
<v Speaker 3>So let's read our first question. This actually has to

0:18:19.320 --> 0:18:21.240
<v Speaker 3>do with a couple who's looking to buy a home.

0:18:21.320 --> 0:18:25.040
<v Speaker 3>All right, and she wants to remain anonymous. She says,

0:18:25.119 --> 0:18:27.040
<v Speaker 3>my partner and I are aiming to move from New

0:18:27.119 --> 0:18:30.120
<v Speaker 3>York City to California to be closer to family next year.

0:18:30.359 --> 0:18:32.200
<v Speaker 3>We like to buy our first home there with a

0:18:32.280 --> 0:18:34.920
<v Speaker 3>goal of living there for good. My partner is all

0:18:34.960 --> 0:18:38.240
<v Speaker 3>about using YouTube to learn about home buying. I, on

0:18:38.280 --> 0:18:40.879
<v Speaker 3>the other hand, read my share of articles in but

0:18:40.920 --> 0:18:44.200
<v Speaker 3>I'm seeking more guidance. Here's some background on us. I'm

0:18:44.240 --> 0:18:46.720
<v Speaker 3>in my thirties and make fifty five K. My partner's

0:18:46.720 --> 0:18:49.879
<v Speaker 3>in his forties and makes one hundred K. Likely we

0:18:49.960 --> 0:18:53.360
<v Speaker 3>cannot continue working remotely at our current jobs. He's got

0:18:53.400 --> 0:18:56.399
<v Speaker 3>about one hundred k in cash savings and is starting

0:18:56.400 --> 0:18:59.080
<v Speaker 3>to invest, and I have forty k across my savings

0:18:59.119 --> 0:19:03.160
<v Speaker 3>and investment acco. So here's my question. Besides an agent

0:19:03.440 --> 0:19:06.320
<v Speaker 3>and a mortgage broker, is there someone who can advise

0:19:06.480 --> 0:19:10.000
<v Speaker 3>us on buying a home? Is a financial advisor? Appropriate?

0:19:10.520 --> 0:19:13.280
<v Speaker 3>Is a first time home buyer advisor? A thing? For

0:19:13.359 --> 0:19:15.600
<v Speaker 3>whomever you suggest? Is there a way to check their

0:19:15.640 --> 0:19:19.840
<v Speaker 3>background to avoid scammers? My partner is convinced there are

0:19:19.880 --> 0:19:22.439
<v Speaker 3>home buying loopholes no one is telling him about. We

0:19:22.520 --> 0:19:24.399
<v Speaker 3>both agree that if we pay for advice, we'd at

0:19:24.440 --> 0:19:28.919
<v Speaker 3>least learn lessons tailored for our situation. Looking forward, looking

0:19:28.960 --> 0:19:32.440
<v Speaker 3>to fellow Brown Ambition, Brown Ambition is for a place

0:19:32.440 --> 0:19:35.080
<v Speaker 3>to start researching. Okay, is there such thing as a

0:19:35.119 --> 0:19:39.240
<v Speaker 3>first time home buyer advisor, Tiffany.

0:19:38.320 --> 0:19:39.520
<v Speaker 2>Not technically bud.

0:19:39.560 --> 0:19:44.000
<v Speaker 1>There are some amazing first time home buyer courses. When

0:19:44.000 --> 0:19:46.160
<v Speaker 1>I first bought my condo when I was in my twenties,

0:19:46.200 --> 0:19:48.920
<v Speaker 1>I took one at my local bank, and it was

0:19:48.960 --> 0:19:52.160
<v Speaker 1>a great place to start to learn about the process.

0:19:52.440 --> 0:19:55.080
<v Speaker 1>But even though they're a little bit of a pain

0:19:55.119 --> 0:20:00.360
<v Speaker 1>in the behind. NAKA NACA. What does NACA stand for? Yeah,

0:20:00.440 --> 0:20:04.080
<v Speaker 1>so NAKA is Neighborhood Assistance Corporation of America.

0:20:04.280 --> 0:20:04.720
<v Speaker 2>Here's why.

0:20:04.840 --> 0:20:07.520
<v Speaker 1>So in the DreamCatcher, I've never heard of NACA before.

0:20:07.520 --> 0:20:10.639
<v Speaker 1>I'm not affiliated with them in anyway. So I had

0:20:10.960 --> 0:20:14.200
<v Speaker 1>in the DreamCatcher group and a friend of mine went

0:20:14.280 --> 0:20:17.400
<v Speaker 1>through the NAKA process. So NACA educates you on the process.

0:20:18.160 --> 0:20:22.520
<v Speaker 1>Then they helped you get get the lowest interest rate

0:20:22.560 --> 0:20:25.520
<v Speaker 1>possible and help you with like help you with a doubt.

0:20:25.520 --> 0:20:27.200
<v Speaker 2>I don't think helping with the down payment. It's mostly

0:20:27.240 --> 0:20:28.159
<v Speaker 2>interest that they help you with.

0:20:28.200 --> 0:20:31.560
<v Speaker 1>The people have been able to get interests like under

0:20:31.640 --> 0:20:34.120
<v Speaker 1>two percent, sometimes even lower.

0:20:34.600 --> 0:20:36.040
<v Speaker 2>It's an amazing There is.

0:20:36.040 --> 0:20:40.440
<v Speaker 1>No better program for buying as it relates to your

0:20:40.480 --> 0:20:43.080
<v Speaker 1>interests than NAKA that I have found. And there have

0:20:43.160 --> 0:20:45.560
<v Speaker 1>been thousands of thousands of dream Catchers in my Facebook

0:20:45.560 --> 0:20:48.600
<v Speaker 1>group because it's about five hundred thousand women in that group,

0:20:48.720 --> 0:20:50.639
<v Speaker 1>and I've been watching them posts about NACA for like

0:20:50.640 --> 0:20:54.320
<v Speaker 1>the last three years. So the critique of NACA is

0:20:54.359 --> 0:20:56.840
<v Speaker 1>that you really have to be on them because it's

0:20:56.880 --> 0:21:00.240
<v Speaker 1>a nonprofit organization, so it really works. You know, are

0:21:00.240 --> 0:21:02.240
<v Speaker 1>not getting paid a ton of money, so sometimes it

0:21:02.240 --> 0:21:03.639
<v Speaker 1>takes them a while to get back to you. But

0:21:03.680 --> 0:21:07.080
<v Speaker 1>the more organized you are, the better there they are

0:21:07.119 --> 0:21:09.760
<v Speaker 1>to help you. So I would look at NAKA as

0:21:09.800 --> 0:21:12.119
<v Speaker 1>well because you'll be able to get potent so especially

0:21:12.119 --> 0:21:15.280
<v Speaker 1>even now, an even better interest rate and learn the

0:21:15.320 --> 0:21:18.720
<v Speaker 1>process along the way. So yeah, that's where I would start.

0:21:18.800 --> 0:21:20.600
<v Speaker 1>Is first time home Buyer class. There's so many of

0:21:20.600 --> 0:21:23.199
<v Speaker 1>them that are free. Just google, like sometimes the United

0:21:23.200 --> 0:21:26.439
<v Speaker 1>Ways have them, many local banks have them. Now that

0:21:26.480 --> 0:21:28.879
<v Speaker 1>things are digital, you could still look. You could just

0:21:28.960 --> 0:21:31.960
<v Speaker 1>google free first time home Buyer class and see what's available.

0:21:32.280 --> 0:21:34.760
<v Speaker 1>But when you're ready to make the move. I definitely

0:21:34.840 --> 0:21:39.120
<v Speaker 1>would look at NAKA Neighborhood Assistance Corporation of America. It's

0:21:39.160 --> 0:21:43.000
<v Speaker 1>an awesome nonprofit that helps folks purchase homes.

0:21:43.480 --> 0:21:46.639
<v Speaker 3>Yeah, and I think so, I mean her, it's almost

0:21:46.640 --> 0:21:49.120
<v Speaker 3>like they're an analysis paralysis, Like they've done so much

0:21:49.160 --> 0:21:53.800
<v Speaker 3>research and honestly YouTube articles whichever way you like to like,

0:21:54.040 --> 0:21:57.359
<v Speaker 3>whatever form of learning works for you. I mean, this

0:21:57.480 --> 0:22:00.280
<v Speaker 3>is like a very like Mars and Venus situation, were

0:22:00.280 --> 0:22:03.280
<v Speaker 3>like guys are visual, right and women will take time

0:22:03.320 --> 0:22:05.760
<v Speaker 3>to read. So it makes sense that he's into YouTube

0:22:05.760 --> 0:22:08.600
<v Speaker 3>when you're reading, and that's fine. He seems like a

0:22:08.640 --> 0:22:11.520
<v Speaker 3>little suspicious of the whole home buying business, so he

0:22:11.560 --> 0:22:14.720
<v Speaker 3>thinks that there's loopholes that could kind of trap you guys.

0:22:15.080 --> 0:22:16.919
<v Speaker 3>I mean, I want to like assuage a bit of

0:22:16.920 --> 0:22:19.360
<v Speaker 3>your fears because thanks to the two thousand and eight

0:22:19.400 --> 0:22:21.920
<v Speaker 3>housing crisis, which is weird to think, you know, a

0:22:22.040 --> 0:22:24.560
<v Speaker 3>financial crisis that people are still trying to recover from.

0:22:25.040 --> 0:22:28.880
<v Speaker 3>But in the Dodd Frank Act that came after it,

0:22:29.400 --> 0:22:33.280
<v Speaker 3>there are so many regulations in the mortgage lending industry

0:22:33.400 --> 0:22:36.760
<v Speaker 3>right now where banks, you know, it's it's quite difficult

0:22:36.800 --> 0:22:38.840
<v Speaker 3>for banks to do what they were doing before, which

0:22:38.880 --> 0:22:42.959
<v Speaker 3>is get home buyers to take on mortgages that they

0:22:42.960 --> 0:22:45.720
<v Speaker 3>could never afford, Like people out your head, like two houses,

0:22:45.880 --> 0:22:47.880
<v Speaker 3>and they couldn't afford even half of one of those

0:22:47.920 --> 0:22:52.200
<v Speaker 3>two mortgages. So yeah, and so you can you can

0:22:52.280 --> 0:22:54.720
<v Speaker 3>sort of trust that there are regulations in place to

0:22:54.960 --> 0:22:57.960
<v Speaker 3>be very transparent, like you're going to get your lone

0:22:58.080 --> 0:23:00.280
<v Speaker 3>estimate from any lender that you shop with, it's going

0:23:00.320 --> 0:23:03.440
<v Speaker 3>to have all the fees outlined. And yes, you can

0:23:03.440 --> 0:23:06.240
<v Speaker 3>have a real estate agent. You don't necessarily need a

0:23:06.280 --> 0:23:08.880
<v Speaker 3>mortgage broker, but a mortgage broker can help and match

0:23:08.920 --> 0:23:12.919
<v Speaker 3>you to different They basically have access to lenders and

0:23:13.000 --> 0:23:15.679
<v Speaker 3>can help you find loan offers. Or you can shop

0:23:15.760 --> 0:23:19.080
<v Speaker 3>on your own using an online marketplace and I'll plug

0:23:19.160 --> 0:23:21.080
<v Speaker 3>lending trees and so obviously I work there. But there's

0:23:21.160 --> 0:23:24.200
<v Speaker 3>other ones too where you can shop and compare mortgages.

0:23:24.280 --> 0:23:26.600
<v Speaker 3>But as long as you guys shop and compare and

0:23:26.600 --> 0:23:31.120
<v Speaker 3>get the best deal on your mortgage, you know, don't

0:23:31.160 --> 0:23:33.480
<v Speaker 3>make it more complicated than it is. And it sounds

0:23:33.480 --> 0:23:35.600
<v Speaker 3>like you guys are going for like you know, first

0:23:35.640 --> 0:23:39.359
<v Speaker 3>time home buyers, you know, you aren't like getting a

0:23:39.480 --> 0:23:42.240
<v Speaker 3>jumbo mortgage. You're not like doing some kind of weird

0:23:42.359 --> 0:23:45.320
<v Speaker 3>type of loan that's not a conventional loan. I mean,

0:23:45.680 --> 0:23:50.360
<v Speaker 3>it should be pretty transparent. And as someone who went

0:23:50.359 --> 0:23:53.080
<v Speaker 3>through this process a couple of years ago, the only

0:23:53.119 --> 0:23:55.159
<v Speaker 3>thing that I stressed out about was is this a

0:23:55.160 --> 0:23:57.639
<v Speaker 3>good decision? Like is it a good decision to buy

0:23:57.680 --> 0:24:00.880
<v Speaker 3>a home? Does it make financial sense? I did actually

0:24:00.920 --> 0:24:05.600
<v Speaker 3>call my financial advisor because or my financial planner, Helen,

0:24:05.720 --> 0:24:07.919
<v Speaker 3>because I just wanted to. I did want to just

0:24:08.000 --> 0:24:10.160
<v Speaker 3>listen to someone else who was very smart and who

0:24:10.160 --> 0:24:12.480
<v Speaker 3>I trusted kind of talk it through with me. What

0:24:12.520 --> 0:24:15.399
<v Speaker 3>are the different factors, like what are home values looking

0:24:15.440 --> 0:24:17.679
<v Speaker 3>like in the area we're buying in, what are the schools, like,

0:24:20.160 --> 0:24:22.960
<v Speaker 3>how have home values risen over or fallen over the

0:24:22.960 --> 0:24:26.640
<v Speaker 3>past decade? And Helen did talk me through it, and

0:24:26.680 --> 0:24:29.560
<v Speaker 3>for me, I decided to call our financial planner for

0:24:29.600 --> 0:24:32.640
<v Speaker 3>that reason, just to have someone who I trusted give

0:24:32.680 --> 0:24:37.960
<v Speaker 3>me specific advice. And that's definitely something that is lacking

0:24:38.040 --> 0:24:41.320
<v Speaker 3>from like online articles and YouTube videos is that they

0:24:41.320 --> 0:24:43.800
<v Speaker 3>don't know you personally, which is why it's hard to

0:24:43.800 --> 0:24:46.840
<v Speaker 3>answer questions here too. So I'm I'm a fan of

0:24:46.920 --> 0:24:48.919
<v Speaker 3>like if you need it for your own peace of

0:24:48.960 --> 0:24:51.199
<v Speaker 3>mind and just to have and for me too. It

0:24:51.240 --> 0:24:53.280
<v Speaker 3>wasn't just about peace of mind. It was about my

0:24:53.400 --> 0:24:55.200
<v Speaker 3>husband and I really were not on the same page

0:24:55.240 --> 0:24:57.480
<v Speaker 3>about how much we wanted to borrow and where we

0:24:57.480 --> 0:24:59.119
<v Speaker 3>wanted to buy and all that kind of stuff. And

0:24:59.359 --> 0:25:02.240
<v Speaker 3>once again, my financial planner kind of became our couple's

0:25:02.240 --> 0:25:05.159
<v Speaker 3>therapist and helped us. Yeah, just helped be like a

0:25:06.000 --> 0:25:08.919
<v Speaker 3>I don't know, like a board, a sounding board, an

0:25:08.960 --> 0:25:12.320
<v Speaker 3>objective you know, source in the middle of us trying

0:25:12.320 --> 0:25:14.800
<v Speaker 3>to help us work through and like speak both of

0:25:14.840 --> 0:25:17.919
<v Speaker 3>our languages. So I think, so you won't find like

0:25:17.960 --> 0:25:19.879
<v Speaker 3>a first time home by our advisor that's not like

0:25:19.920 --> 0:25:22.800
<v Speaker 3>a name, I don't think, but a financial planner who

0:25:22.840 --> 0:25:24.679
<v Speaker 3>will just charge you like an hourly rate to have

0:25:24.720 --> 0:25:27.200
<v Speaker 3>a conversation that could be helpful to you guys.

0:25:27.440 --> 0:25:28.359
<v Speaker 2>Yeah, no, that is.

0:25:28.480 --> 0:25:31.399
<v Speaker 1>And then honestly, to my this is not always typical.

0:25:31.440 --> 0:25:35.320
<v Speaker 1>But my mortgage broker, David was amazing. He I never

0:25:35.600 --> 0:25:39.159
<v Speaker 1>knew anybody who was like really passionate about mortgages, but

0:25:39.280 --> 0:25:41.920
<v Speaker 1>he was, and I used to ask him. To this day,

0:25:42.160 --> 0:25:45.200
<v Speaker 1>I have not gotten a mortgage from David. But I've

0:25:45.240 --> 0:25:48.320
<v Speaker 1>sent send other people to him. It's just because in

0:25:48.320 --> 0:25:50.800
<v Speaker 1>the house that we bought, we ended up paying for cash,

0:25:50.920 --> 0:25:53.720
<v Speaker 1>as y'all know, and then when I thought I was

0:25:53.760 --> 0:25:56.600
<v Speaker 1>going to do the cash reply cash out reply or

0:25:56.640 --> 0:25:57.560
<v Speaker 1>reply cash out.

0:25:57.520 --> 0:25:59.240
<v Speaker 2>We ended up not doing it. But I was working

0:25:59.240 --> 0:25:59.720
<v Speaker 2>with David.

0:25:59.720 --> 0:26:02.879
<v Speaker 1>But so sometimes, you know, you can get mortgage brokers

0:26:02.920 --> 0:26:05.560
<v Speaker 1>can answer a lot of the questions. And I also

0:26:05.600 --> 0:26:09.439
<v Speaker 1>had an amazing realtor that answered a lot of my

0:26:09.560 --> 0:26:11.000
<v Speaker 1>I mean, I was one of those people who was like,

0:26:11.000 --> 0:26:11.920
<v Speaker 1>but what about but what about?

0:26:11.920 --> 0:26:12.480
<v Speaker 2>But what about?

0:26:12.520 --> 0:26:14.880
<v Speaker 1>Because Samandy's point, they got to know me and knew

0:26:14.920 --> 0:26:17.600
<v Speaker 1>what I needed. So you know, that's somebody else to

0:26:17.960 --> 0:26:20.359
<v Speaker 1>bring into the mix, a realtor that you really like.

0:26:21.480 --> 0:26:23.760
<v Speaker 1>Don't sign any exclusivity with anyone.

0:26:23.880 --> 0:26:24.320
<v Speaker 2>I didn't.

0:26:24.640 --> 0:26:25.960
<v Speaker 1>I was like in the beginning, I did, and then

0:26:25.960 --> 0:26:27.840
<v Speaker 1>I learned my lessons, was like no, until I was like,

0:26:27.880 --> 0:26:29.320
<v Speaker 1>you know, I really do actually want to work with

0:26:29.359 --> 0:26:32.560
<v Speaker 1>you and a mortgage broker, one that you find really

0:26:32.640 --> 0:26:36.320
<v Speaker 1>helpful and willing to answer a ton of questions because

0:26:36.320 --> 0:26:37.919
<v Speaker 1>you're going to have them, and rightfully.

0:26:37.560 --> 0:26:41.639
<v Speaker 3>So yeah, absolutely, And remember the sellers pay, They usually

0:26:41.680 --> 0:26:44.960
<v Speaker 3>pay the buyer's agent's fee, So you know, if that's

0:26:44.960 --> 0:26:46.760
<v Speaker 3>something that you're worried about, you feel like you're stuck

0:26:46.800 --> 0:26:48.920
<v Speaker 3>with this person, like you know that fee is usually

0:26:48.920 --> 0:26:52.000
<v Speaker 3>covered by the seller. Okay, well, hope that was helpful

0:26:52.400 --> 0:26:55.040
<v Speaker 3>and you and your partner figure things out. Okay, let's

0:26:55.040 --> 0:26:59.200
<v Speaker 3>go to another question. This is another couple who's having

0:26:59.359 --> 0:27:02.000
<v Speaker 3>differences of opinion about what to do with their emergency fund.

0:27:02.040 --> 0:27:05.240
<v Speaker 3>Oh do I know this so well? Okay. Our next

0:27:05.320 --> 0:27:09.359
<v Speaker 3>question comes from we'll call her Unus. Unis says, my

0:27:09.440 --> 0:27:12.160
<v Speaker 3>husband and I have recently saved six months of expenses

0:27:12.160 --> 0:27:15.560
<v Speaker 3>for emergency fund. Good for y'all. He thinks we should

0:27:15.560 --> 0:27:18.359
<v Speaker 3>get a financial advisor to invest this money to where

0:27:18.359 --> 0:27:20.640
<v Speaker 3>we have access to it in a couple of business

0:27:20.720 --> 0:27:23.720
<v Speaker 3>dates if needed. I, however, prefer to keep the money

0:27:23.760 --> 0:27:26.320
<v Speaker 3>in our bank account and a high interest checking account

0:27:26.600 --> 0:27:29.159
<v Speaker 3>at one percent, which is at a credit union, so

0:27:29.160 --> 0:27:31.080
<v Speaker 3>we don't have to ask anyone to use our own

0:27:31.080 --> 0:27:33.800
<v Speaker 3>money if we need it. I'm very risk averse and

0:27:33.840 --> 0:27:37.800
<v Speaker 3>skeptical of financial advisors. Plus, I thought an emergency fund

0:27:37.840 --> 0:27:40.000
<v Speaker 3>was something you kept one hundred percent liquid, But my

0:27:40.080 --> 0:27:42.960
<v Speaker 3>husband sees things differently. How would you, ladies say, we

0:27:43.040 --> 0:27:45.760
<v Speaker 3>go about getting a return on our emergency fund. My

0:27:45.920 --> 0:27:48.200
<v Speaker 3>plan would give us about two hundred dollars of interest

0:27:48.240 --> 0:27:50.400
<v Speaker 3>per month, which is more than enough in my opinion,

0:27:50.680 --> 0:27:53.760
<v Speaker 3>and we can keep money ourselves for an emergency. I

0:27:53.800 --> 0:27:56.320
<v Speaker 3>love the podcast and I love the life updates from y'all.

0:27:56.320 --> 0:28:00.479
<v Speaker 3>Thank you, Okaynis, So this is a really interesting scenario.

0:28:00.560 --> 0:28:03.920
<v Speaker 3>So they've got hix months worth of savings. Fantastic. So

0:28:03.960 --> 0:28:07.080
<v Speaker 3>her husband's looking at this pile of cash and it's like, Yo,

0:28:07.200 --> 0:28:10.679
<v Speaker 3>we should be investing this to earn even more return

0:28:10.720 --> 0:28:13.399
<v Speaker 3>on it. And she's thinking of it like, oh, we

0:28:13.440 --> 0:28:16.960
<v Speaker 3>need to keep this safe and protected in a regular

0:28:17.119 --> 0:28:21.280
<v Speaker 3>ass banking account, as I like to say, So interesting,

0:28:21.440 --> 0:28:22.240
<v Speaker 3>what do you think.

0:28:22.080 --> 0:28:26.640
<v Speaker 1>To Well, I can understand your husband's position, But the

0:28:26.800 --> 0:28:32.600
<v Speaker 1>purpose of an emergency savings account is for risk management.

0:28:33.040 --> 0:28:37.080
<v Speaker 1>It is not for growing wealth. Anything saved above them,

0:28:37.960 --> 0:28:40.680
<v Speaker 1>go for it, you know, That's what I tell him. Like,

0:28:40.760 --> 0:28:43.080
<v Speaker 1>so if we put our money into the market, right,

0:28:43.920 --> 0:28:47.720
<v Speaker 1>let's just say, and then we hit an emergency, what

0:28:48.040 --> 0:28:51.160
<v Speaker 1>will we do if we put our money into the market.

0:28:51.160 --> 0:28:53.760
<v Speaker 1>Because when you invest, you have to think long term.

0:28:53.760 --> 0:28:57.160
<v Speaker 1>You have to think five, ten, fifteen, twenty years. So

0:28:57.760 --> 0:29:00.000
<v Speaker 1>you might put your money in today and the market

0:29:00.160 --> 0:29:03.160
<v Speaker 1>drops and then someone loses their job, and then, well,

0:29:03.240 --> 0:29:06.000
<v Speaker 1>what happens to your emergency fund. The literal purpose of

0:29:06.040 --> 0:29:08.480
<v Speaker 1>your emergency fund is to be your first line of

0:29:08.560 --> 0:29:11.240
<v Speaker 1>defense in the case of financial trauma.

0:29:11.880 --> 0:29:13.040
<v Speaker 2>So I mean, I don't know.

0:29:14.440 --> 0:29:16.440
<v Speaker 1>I probably wouldn't keep it in the checking account, just

0:29:16.440 --> 0:29:18.640
<v Speaker 1>a high entry sealed savings. Did you say checking or

0:29:18.680 --> 0:29:20.760
<v Speaker 1>did you tell you said savings, Mandy, she.

0:29:20.760 --> 0:29:23.320
<v Speaker 3>Must mean savings if she's getting one percent, yeah.

0:29:23.240 --> 0:29:25.320
<v Speaker 1>Yeah, so yeah, yeah, So there's nothing wrong with that,

0:29:25.360 --> 0:29:27.280
<v Speaker 1>and you just tell him, like any money because so

0:29:27.320 --> 0:29:29.480
<v Speaker 1>my husband and I have maxed out, we have saved

0:29:29.520 --> 0:29:32.800
<v Speaker 1>because I'm you know, crazy, We've saved the year's worth

0:29:32.840 --> 0:29:36.600
<v Speaker 1>of our expenses, and so anything above that now goes

0:29:36.720 --> 0:29:38.600
<v Speaker 1>to one or two things. We have a bucket to

0:29:38.720 --> 0:29:40.880
<v Speaker 1>invest into real estate, and then then we also I

0:29:40.880 --> 0:29:44.760
<v Speaker 1>have a certified financial planner, Angelie, and then anything I

0:29:44.760 --> 0:29:46.800
<v Speaker 1>also send money to Angelie to say, okay, put it

0:29:46.840 --> 0:29:50.120
<v Speaker 1>into like, you know whatever, like our investments are with her.

0:29:50.200 --> 0:29:55.800
<v Speaker 1>So so yeah, I don't believe in investing your savings

0:29:55.920 --> 0:30:00.640
<v Speaker 1>because the purpose of it is to provide you are cushion.

0:30:00.720 --> 0:30:01.720
<v Speaker 2>Since something happen.

0:30:02.280 --> 0:30:03.760
<v Speaker 1>So I mean, but I know a lot of men

0:30:03.840 --> 0:30:06.880
<v Speaker 1>are like go go, go, go go, and sometimes you know,

0:30:07.440 --> 0:30:08.880
<v Speaker 1>it can be like, ah, what do we do?

0:30:08.960 --> 0:30:09.800
<v Speaker 2>But that's what I.

0:30:09.800 --> 0:30:11.400
<v Speaker 1>Would just share with him, Like, well, babe, if we

0:30:11.440 --> 0:30:13.440
<v Speaker 1>invest his money and then the market goes down and

0:30:13.600 --> 0:30:16.040
<v Speaker 1>up and then down, and then when it's down, we're down,

0:30:16.200 --> 0:30:19.240
<v Speaker 1>then what you know? So yeah, that's what I was sharing.

0:30:19.280 --> 0:30:21.240
<v Speaker 1>I mean, I think you're you're you're on the right path.

0:30:21.320 --> 0:30:23.080
<v Speaker 1>But I can understand why he sees it as like

0:30:23.080 --> 0:30:24.280
<v Speaker 1>it's a wait, it's really not.

0:30:24.400 --> 0:30:25.680
<v Speaker 2>It's it's there to protect you.

0:30:26.400 --> 0:30:30.360
<v Speaker 3>Yeah, I just like, this is the reason I spend

0:30:30.400 --> 0:30:32.200
<v Speaker 3>money that I really don't need to spend on financial

0:30:32.240 --> 0:30:34.600
<v Speaker 3>planner because like, I know my shit. But it's really

0:30:34.640 --> 0:30:38.360
<v Speaker 3>satisfying when you, as the as one partner, are told

0:30:38.360 --> 0:30:40.600
<v Speaker 3>that you're right by the person you're asking advice from.

0:30:40.680 --> 0:30:43.640
<v Speaker 3>So I can kind of imagine Eunice like forcing her

0:30:43.720 --> 0:30:46.680
<v Speaker 3>partner to listen to this episode, like you might want

0:30:46.680 --> 0:30:48.840
<v Speaker 3>to skip ahead to the thirty four minute mark because

0:30:48.880 --> 0:30:52.160
<v Speaker 3>there's a really interesting segment you might want to like.

0:30:53.240 --> 0:30:56.800
<v Speaker 3>But you know, all jokes aside. I think it's I

0:30:56.800 --> 0:30:58.920
<v Speaker 3>think in this case, like, Tiffany's totally right. You want

0:30:58.920 --> 0:31:01.480
<v Speaker 3>to keep that money. You like, congrats, you say six

0:31:01.520 --> 0:31:04.800
<v Speaker 3>months of expenses. That's major. Now, it's a and especially

0:31:04.800 --> 0:31:06.680
<v Speaker 3>in times like this, it's not a bad idea to

0:31:06.960 --> 0:31:10.360
<v Speaker 3>shore up your emergency fund and and really have that money. Like,

0:31:10.440 --> 0:31:12.880
<v Speaker 3>it's not just about being accessible, it's about being safe.

0:31:13.000 --> 0:31:16.120
<v Speaker 3>It is insured by the federal government, and whatever we

0:31:16.160 --> 0:31:18.800
<v Speaker 3>can say about how crazy things are, FDIC insurance is

0:31:18.800 --> 0:31:21.760
<v Speaker 3>still rock solid. So your money's not going anywhere like

0:31:21.760 --> 0:31:24.160
<v Speaker 3>it would in the stock market. Your money is not insured.

0:31:24.200 --> 0:31:26.880
<v Speaker 3>It's not protected when you invest it in the market.

0:31:27.000 --> 0:31:30.240
<v Speaker 3>So yeah, I think you're exactly right. And I think

0:31:30.280 --> 0:31:32.880
<v Speaker 3>what's exciting is now y'all anything else is icing, Like

0:31:33.000 --> 0:31:35.320
<v Speaker 3>y'all can start investing for real, you know, start with

0:31:35.320 --> 0:31:38.160
<v Speaker 3>your four one ks, your IRA or then you know,

0:31:38.200 --> 0:31:41.480
<v Speaker 3>open a brokerage account and have some fun now. But yeah,

0:31:41.520 --> 0:31:45.160
<v Speaker 3>congrats on getting your your six months and good luck

0:31:45.160 --> 0:31:48.880
<v Speaker 3>with the you think that's the first financial disagreement you're

0:31:48.880 --> 0:31:49.440
<v Speaker 3>ever going to have.

0:31:49.520 --> 0:31:51.720
<v Speaker 1>Oh lord, oh girl, me and Supman are going through

0:31:51.720 --> 0:31:54.480
<v Speaker 1>it right now. I'm like, well, for whatever, okay to share.

0:31:54.560 --> 0:31:56.960
<v Speaker 3>I love I love it. You feel normal right now?

0:31:56.960 --> 0:31:58.240
<v Speaker 2>Well, we get on the other side of it, because

0:31:58.360 --> 0:31:58.680
<v Speaker 2>we haven't.

0:31:58.760 --> 0:32:01.960
<v Speaker 1>I haven't quite run one yet, but I will so

0:32:02.120 --> 0:32:04.360
<v Speaker 1>when I you know, once I finished my victory lab

0:32:04.400 --> 0:32:05.440
<v Speaker 1>then I certainly will share.

0:32:08.320 --> 0:32:09.840
<v Speaker 3>All right, how about my my husband went to the

0:32:09.840 --> 0:32:12.520
<v Speaker 3>Apple store, came back with everything but the uh, the

0:32:12.600 --> 0:32:16.239
<v Speaker 3>dongle that he needed, the damn dongle. Tiffany knows how

0:32:16.280 --> 0:32:18.440
<v Speaker 3>many times I have started this podcast late because I'm

0:32:18.440 --> 0:32:21.120
<v Speaker 3>looking for a damn dongle that I need for my

0:32:21.320 --> 0:32:23.440
<v Speaker 3>for my mic to attach to my computer, and my

0:32:23.480 --> 0:32:25.360
<v Speaker 3>husband's constantly stealing, and I'm like, can you go buy

0:32:25.400 --> 0:32:27.719
<v Speaker 3>your own damn dongle? I just love saying damn dongles

0:32:27.800 --> 0:32:30.640
<v Speaker 3>makes me so happy. But anyway, he came back with

0:32:30.720 --> 0:32:34.760
<v Speaker 3>an Apple Watch, a labor case for his AirPods. I'm like, oh,

0:32:34.760 --> 0:32:38.480
<v Speaker 3>you got discretionary funds. Is that what you're telling me?

0:32:38.520 --> 0:32:42.959
<v Speaker 3>You got discretion Let's put something in Rio's fifty nine plan. Okay. Anyway,

0:32:43.800 --> 0:32:46.960
<v Speaker 3>he eventually got the dongle. That's the moral story, and.

0:32:47.240 --> 0:32:48.880
<v Speaker 1>Too, I mean, it happens like so you might so

0:32:49.040 --> 0:32:53.880
<v Speaker 1>for example, there is there's negotiating, right, so you might say, okay, well,

0:32:54.120 --> 0:32:57.880
<v Speaker 1>I I adamantly am against us, like you know, investing,

0:32:58.080 --> 0:33:00.080
<v Speaker 1>you know our savings. But you know what, maybe I

0:33:00.080 --> 0:33:03.480
<v Speaker 1>well acquiesce two maybe two months worth, just so he

0:33:03.520 --> 0:33:06.040
<v Speaker 1>can see and then you go back to you get

0:33:06.040 --> 0:33:08.040
<v Speaker 1>back up to saving the six months. Do you see

0:33:08.040 --> 0:33:12.160
<v Speaker 1>what I mean by giving a little something? Because it's

0:33:12.440 --> 0:33:14.120
<v Speaker 1>marriage is long, girl.

0:33:14.160 --> 0:33:16.440
<v Speaker 3>You have to lose some battles. You have to pick

0:33:16.480 --> 0:33:18.360
<v Speaker 3>the battles that you're willing to lose every once in

0:33:18.360 --> 0:33:20.120
<v Speaker 3>a while, you know, so that you can win the

0:33:20.120 --> 0:33:21.880
<v Speaker 3>important You have to look at the long game.

0:33:22.200 --> 0:33:24.640
<v Speaker 2>Yes, you know. Yeah, so that's what I would probably

0:33:24.920 --> 0:33:25.280
<v Speaker 2>teach it.

0:33:25.320 --> 0:33:27.400
<v Speaker 1>If this is Superman, I might say, like depending on

0:33:27.520 --> 0:33:30.760
<v Speaker 1>how adamant he was, because sometimes he's like, eah, I

0:33:30.760 --> 0:33:32.880
<v Speaker 1>can tell he doesn't mind losing, so I'm like, well,

0:33:32.920 --> 0:33:35.040
<v Speaker 1>I'll just take all the victory. But then there's times

0:33:35.040 --> 0:33:37.120
<v Speaker 1>that I'm like, you can tell he's pretty frustrated with me.

0:33:37.200 --> 0:33:38.600
<v Speaker 1>You know what, let me loosen that.

0:33:40.720 --> 0:33:43.080
<v Speaker 2>I'll give you two months sir, oh three.

0:33:43.520 --> 0:33:45.880
<v Speaker 3>Yeah, maybe it's like five, here's five hundred bucks. Here's

0:33:45.880 --> 0:33:47.920
<v Speaker 3>a like shave off a little something for them to

0:33:47.960 --> 0:33:50.520
<v Speaker 3>go play with. And I mean I tried that, but see,

0:33:50.560 --> 0:33:52.120
<v Speaker 3>be ready to lose it though, because you're gonna lose

0:33:52.160 --> 0:33:53.600
<v Speaker 3>it with a lot of teasel stock and tell you

0:33:53.600 --> 0:33:57.280
<v Speaker 3>that right now. Anyway. Yeah, well, good luck to you

0:33:57.320 --> 0:33:59.240
<v Speaker 3>and thank you so much for your question, Unics. This

0:33:59.360 --> 0:33:59.840
<v Speaker 3>is a fun one.

0:34:00.000 --> 0:34:00.680
<v Speaker 2>That was a fun one.

0:34:00.800 --> 0:34:03.320
<v Speaker 3>Please you guys, if you want us to prove you right,

0:34:03.760 --> 0:34:07.200
<v Speaker 3>send your questions to Brand Ambition Podcast at gmail dot

0:34:07.200 --> 0:34:10.320
<v Speaker 3>com or hit us up on IG Brand Ambition Podcast.

0:34:11.560 --> 0:34:13.080
<v Speaker 3>All right, boost and break.

0:34:13.000 --> 0:34:16.719
<v Speaker 1>Yes, and now it's time to boost a break for

0:34:16.880 --> 0:34:18.160
<v Speaker 1>all of family.

0:34:19.320 --> 0:34:21.880
<v Speaker 2>Are you gonna boost? Are you gonna break? What you

0:34:22.080 --> 0:34:25.640
<v Speaker 2>gonna do? Mandy? What you gonna do? Mandy? I wish

0:34:25.640 --> 0:34:27.360
<v Speaker 2>you could see my hand moving. What you gonna do?

0:34:27.640 --> 0:34:31.520
<v Speaker 2>Very Brandy esque? What you gonna do? Mandy?

0:34:31.680 --> 0:34:33.759
<v Speaker 3>Shout out to Mosha, shout out to Sister Sister, shout

0:34:33.800 --> 0:34:36.040
<v Speaker 3>out to Black Netflix. I love it. Yes, I'm so

0:34:36.120 --> 0:34:39.560
<v Speaker 3>excited about my boost today. As I was digging through

0:34:39.680 --> 0:34:43.840
<v Speaker 3>our dms in IG last night, I came across the

0:34:43.920 --> 0:34:46.600
<v Speaker 3>story that just warmed my little heart. And it's from

0:34:46.640 --> 0:34:49.120
<v Speaker 3>a listener. Her name is Ellen c and she just

0:34:49.200 --> 0:34:52.440
<v Speaker 3>recently won a scholarship from a website called Student Loan Planner,

0:34:52.520 --> 0:34:57.520
<v Speaker 3>and her scholarship essay featured Brown ambition. Yeah, so she

0:34:57.600 --> 0:34:59.279
<v Speaker 3>called to share the link, and I'm gonna share in

0:34:59.320 --> 0:35:01.279
<v Speaker 3>our show notes. But but I also wanted to read

0:35:01.320 --> 0:35:04.200
<v Speaker 3>a little bit because her story is really interesting. So

0:35:04.400 --> 0:35:06.840
<v Speaker 3>to get the scholarship, she submitted an essay to Student

0:35:06.880 --> 0:35:09.480
<v Speaker 3>Loan Planner and it's all about kind of how she

0:35:09.680 --> 0:35:13.520
<v Speaker 3>has transformed negativity of twenty twenty into opportunity. All right,

0:35:13.600 --> 0:35:15.120
<v Speaker 3>So let me just I'm going to read a little

0:35:15.120 --> 0:35:18.240
<v Speaker 3>bit of her essay. It's really cute, cute, really cool,

0:35:18.520 --> 0:35:20.960
<v Speaker 3>all right. Ellen says, one of the main negative experiences

0:35:21.000 --> 0:35:22.719
<v Speaker 3>I faced was in high school, wh my high school

0:35:22.719 --> 0:35:25.360
<v Speaker 3>counselor stereotype me and did not give me the guidance

0:35:25.400 --> 0:35:28.080
<v Speaker 3>I needed to apply to college. That was always my goal.

0:35:28.280 --> 0:35:30.680
<v Speaker 3>I was working hard to be eligible. I received no

0:35:30.760 --> 0:35:35.280
<v Speaker 3>support with college applications or financial aid. I pushed forward anyway,

0:35:35.440 --> 0:35:38.160
<v Speaker 3>ended up going to college and earning a bachelor's degree,

0:35:38.239 --> 0:35:43.000
<v Speaker 3>to master's degree and a doctorate an educational leadership. Only

0:35:43.040 --> 0:35:46.000
<v Speaker 3>around five percent of Latin X in the US earn

0:35:46.040 --> 0:35:49.640
<v Speaker 3>a graduate degree, and this includes masters in PhD. I

0:35:49.760 --> 0:35:51.960
<v Speaker 3>was set on proving to my community and others that

0:35:52.000 --> 0:35:54.719
<v Speaker 3>it can be done. The reason I read this experience

0:35:54.840 --> 0:35:57.200
<v Speaker 3>up is that I turned that negative experience into a

0:35:57.239 --> 0:35:59.760
<v Speaker 3>positive by becoming a high school counselor so that students

0:35:59.760 --> 0:36:02.920
<v Speaker 3>would never have to experience what I did. I vowed

0:36:02.920 --> 0:36:05.760
<v Speaker 3>to not only support students to get to and through college,

0:36:05.800 --> 0:36:10.080
<v Speaker 3>but to make sure to have important information accessible to all.

0:36:10.560 --> 0:36:13.279
<v Speaker 3>Fast forward to twenty twenty. We were living on one

0:36:13.320 --> 0:36:16.160
<v Speaker 3>paycheck in an expensive city in an expensive state with

0:36:16.200 --> 0:36:18.520
<v Speaker 3>our first child. I was at home full time flan

0:36:18.640 --> 0:36:21.480
<v Speaker 3>like I needed to do something productive. I was introduced

0:36:21.480 --> 0:36:23.799
<v Speaker 3>to the Brand Ambition podcast a few years back, but

0:36:23.840 --> 0:36:25.759
<v Speaker 3>I never made the time to actually listen to it.

0:36:26.120 --> 0:36:28.160
<v Speaker 3>I finally started to listen to the episodes from the

0:36:28.239 --> 0:36:32.240
<v Speaker 3>very beginning around February twenty twenty, as the coronavirus started

0:36:32.280 --> 0:36:34.480
<v Speaker 3>to hit and our state went into shelter in place.

0:36:34.640 --> 0:36:37.919
<v Speaker 3>I wasn't binging Netflix like others. I was binging podcasts.

0:36:38.280 --> 0:36:40.800
<v Speaker 3>That was my gateway into personal finance, and I started

0:36:40.840 --> 0:36:43.320
<v Speaker 3>going down the path of learning how to budget, invest,

0:36:43.440 --> 0:36:47.000
<v Speaker 3>and take control of our finances. And that's a little

0:36:47.000 --> 0:36:49.120
<v Speaker 3>bit from her essay. Y'all check out the link and

0:36:49.200 --> 0:36:51.480
<v Speaker 3>our notes. And that's so sweet it is. I love

0:36:51.520 --> 0:36:55.200
<v Speaker 3>that in inspirational. Oh my gosh, Yeah, that reminds me

0:36:55.200 --> 0:36:58.240
<v Speaker 3>of Michelle Obama story. That was like the famous Michelle

0:36:58.280 --> 0:37:02.040
<v Speaker 3>Obama story. But how in high school her counselor told

0:37:02.080 --> 0:37:06.040
<v Speaker 3>her that she wasn't what was it, Princeton material screwed

0:37:06.080 --> 0:37:08.440
<v Speaker 3>the haters, Okay, And I love that. I love that

0:37:08.480 --> 0:37:10.319
<v Speaker 3>you're going back into the same field to make sure

0:37:10.320 --> 0:37:12.960
<v Speaker 3>that no student is left behind like you could have been.

0:37:13.239 --> 0:37:15.400
<v Speaker 2>Yeah, that is awesome. You know, it's so crazy. I

0:37:15.400 --> 0:37:16.840
<v Speaker 2>actually had my guidance counselor.

0:37:17.000 --> 0:37:20.440
<v Speaker 1>Although my school at Westfield was super super white, there

0:37:20.480 --> 0:37:23.680
<v Speaker 1>was less than like, probably five percent of students were black.

0:37:23.680 --> 0:37:26.000
<v Speaker 1>My guidance counselor was actually a black woman. I'll never forget.

0:37:26.360 --> 0:37:31.040
<v Speaker 1>And she was so like supportive and encouraging. So I'm

0:37:31.120 --> 0:37:33.800
<v Speaker 1>just realizing just how fortunate that was, because it wouldn't

0:37:33.800 --> 0:37:36.040
<v Speaker 1>have been odd for her to be not a black woman.

0:37:36.520 --> 0:37:38.359
<v Speaker 1>But yeah, she just always reminded me how smart we're

0:37:38.360 --> 0:37:40.680
<v Speaker 1>actually from Facebook friends and she hit me like maybe

0:37:40.680 --> 0:37:42.239
<v Speaker 1>a year ago and told me how proud she was

0:37:42.280 --> 0:37:44.560
<v Speaker 1>of me. But wasn't surprised that she brought me something

0:37:44.600 --> 0:37:46.719
<v Speaker 1>about like what does she say about how I was

0:37:46.719 --> 0:37:48.680
<v Speaker 1>in high school? I'm like, really, she was like yeah, girl,

0:37:48.680 --> 0:37:49.360
<v Speaker 1>I'm not surprised.

0:37:49.800 --> 0:37:51.719
<v Speaker 2>And I was just like, oh, that was so nice.

0:37:51.800 --> 0:37:56.240
<v Speaker 1>Yeah, so yes that unfortunately, there are not enough people

0:37:56.280 --> 0:37:57.359
<v Speaker 1>to encourage us.

0:37:57.600 --> 0:37:59.279
<v Speaker 2>So I'm glad that you are now part of the

0:37:59.320 --> 0:38:00.800
<v Speaker 2>solution where you saw a problem.

0:38:01.040 --> 0:38:03.439
<v Speaker 3>And think about your counselor and how alone she must

0:38:03.440 --> 0:38:06.520
<v Speaker 3>have felt working in a school with like I'm sure

0:38:06.560 --> 0:38:08.920
<v Speaker 3>not the facult the faculty probably wasn't representative of the

0:38:09.560 --> 0:38:13.440
<v Speaker 3>area either. But I thinking back on my high school

0:38:13.440 --> 0:38:15.719
<v Speaker 3>experience there, I had a vice principal at the last

0:38:15.800 --> 0:38:17.800
<v Speaker 3>high school I went to, and she she used to

0:38:17.840 --> 0:38:20.320
<v Speaker 3>always just like invite me to her office just to chat,

0:38:20.440 --> 0:38:23.160
<v Speaker 3>you know, about whatever. And it always seemed like, oh,

0:38:23.200 --> 0:38:26.919
<v Speaker 3>she's just being friendly, but it felt like those invitations

0:38:26.920 --> 0:38:29.680
<v Speaker 3>that really matters, and it does. And when you see

0:38:29.680 --> 0:38:31.600
<v Speaker 3>a black woman and I think about her now, and

0:38:31.600 --> 0:38:33.840
<v Speaker 3>I'm like, damn, she was like the only black woman

0:38:33.960 --> 0:38:37.480
<v Speaker 3>in the faculty at the black woman, especially at this

0:38:37.600 --> 0:38:41.000
<v Speaker 3>like super white high school, and it must have been

0:38:41.040 --> 0:38:44.080
<v Speaker 3>hard for her too, you know. And anyway, she I

0:38:44.080 --> 0:38:46.799
<v Speaker 3>remember when she gave me the that Doctor Juice book

0:38:46.840 --> 0:38:49.719
<v Speaker 3>all the places, Oh the places You'll go, and my

0:38:49.760 --> 0:38:53.399
<v Speaker 3>mind was like blown, Yes, I love that book. But yeah,

0:38:53.440 --> 0:38:56.440
<v Speaker 3>shout out to our educators and definitely a big, big,

0:38:56.480 --> 0:38:58.960
<v Speaker 3>big brown boost for you, Ellen, thank you so much

0:38:59.000 --> 0:39:02.160
<v Speaker 3>for sharing and can crab on winning that scholarship.

0:39:02.640 --> 0:39:05.560
<v Speaker 1>Yes, so I mine is not a brown boost. It's

0:39:05.640 --> 0:39:07.719
<v Speaker 1>kind of well, I guess it's a brown break and

0:39:07.800 --> 0:39:10.120
<v Speaker 1>more of a or maybe a brown and it's a

0:39:10.120 --> 0:39:13.240
<v Speaker 1>hoosy breaking. So lately I've been seeing on social media

0:39:14.440 --> 0:39:17.880
<v Speaker 1>something called SAR. So y'all know I'm Nigerian. Woop woop

0:39:18.040 --> 0:39:22.240
<v Speaker 1>EQUI quin new a right. So SARS is the Special

0:39:22.400 --> 0:39:27.319
<v Speaker 1>Anti Robbery Squad so Nigeria. Unfortunately, when it comes to

0:39:27.440 --> 0:39:30.000
<v Speaker 1>it's civil workers, so like teachers and police officers and

0:39:30.040 --> 0:39:33.920
<v Speaker 1>things of the sort, oftentimes won't These people will not

0:39:33.960 --> 0:39:36.160
<v Speaker 1>be paid for months and months and months and months

0:39:36.160 --> 0:39:40.800
<v Speaker 1>on end. It's resulted in a very unstable financial environment

0:39:40.800 --> 0:39:44.560
<v Speaker 1>where people have resorted to an armed robbery. And I've

0:39:44.600 --> 0:39:46.800
<v Speaker 1>seen it firsthand with myself. Every time I've gone to Nigeria,

0:39:46.800 --> 0:39:51.400
<v Speaker 1>we've always gone with heavy, heavy, heavy like protection and

0:39:51.440 --> 0:39:56.200
<v Speaker 1>so yeah, it's just it's unfortunate. And so in nineteen

0:39:56.280 --> 0:39:59.680
<v Speaker 1>ninety two, I guess something called the Special Anti Robbery

0:39:59.719 --> 0:40:04.880
<v Speaker 1>School was formed called STARS. They were a special like

0:40:04.920 --> 0:40:08.040
<v Speaker 1>a there were supposed to be a Nigerian police force

0:40:08.160 --> 0:40:11.800
<v Speaker 1>unit that was supposed to combat this anti robbery.

0:40:11.800 --> 0:40:12.680
<v Speaker 2>And I'll give you an example.

0:40:13.400 --> 0:40:15.200
<v Speaker 1>My dad, he had not been back to Nigerian in

0:40:15.239 --> 0:40:17.840
<v Speaker 1>a number of years, went with my sister Karen is

0:40:17.960 --> 0:40:20.880
<v Speaker 1>driving down whatever road. Police stands in the middle of

0:40:20.880 --> 0:40:23.319
<v Speaker 1>the road, tells them to pull over. Your light is out.

0:40:23.360 --> 0:40:26.360
<v Speaker 1>He's like, okay, it's not but okay, pulls over and

0:40:26.440 --> 0:40:27.799
<v Speaker 1>says your light is out. That's going to be a

0:40:27.840 --> 0:40:30.239
<v Speaker 1>fine of Let's just say, like I don't know two

0:40:30.320 --> 0:40:32.080
<v Speaker 1>hundred n ira, which might be like I don't know

0:40:32.160 --> 0:40:36.239
<v Speaker 1>a few dollars and he's like what no, so continues

0:40:36.280 --> 0:40:37.800
<v Speaker 1>to tell him, well, well.

0:40:37.719 --> 0:40:39.319
<v Speaker 2>Then you just go to jail. My dad's like okay,

0:40:39.440 --> 0:40:39.759
<v Speaker 2>let's go.

0:40:40.680 --> 0:40:43.239
<v Speaker 1>And I remember my sister Karen telling me this and

0:40:43.320 --> 0:40:45.760
<v Speaker 1>at the time she was young, she was like eleven,

0:40:46.640 --> 0:40:47.479
<v Speaker 1>she's now in her forty.

0:40:47.560 --> 0:40:49.440
<v Speaker 2>Sorry, Karen, She's like.

0:40:49.400 --> 0:40:53.719
<v Speaker 3>My business and there's no shot.

0:40:54.800 --> 0:40:57.360
<v Speaker 1>And they took him to jail or it's either message

0:40:57.360 --> 0:40:59.120
<v Speaker 1>to Karen, my sister at Lisa. Either way, they took

0:40:59.200 --> 0:41:02.520
<v Speaker 1>him to jail and he sat there until he agreed

0:41:02.520 --> 0:41:06.719
<v Speaker 1>to pay whatever kind of like ransom and that those

0:41:06.719 --> 0:41:10.040
<v Speaker 1>were police officers I have seen firsthand. So last time

0:41:10.040 --> 0:41:12.040
<v Speaker 1>that we went like as a family, my father actually

0:41:12.120 --> 0:41:16.120
<v Speaker 1>hired police officers to be our armed escort so we

0:41:16.160 --> 0:41:18.000
<v Speaker 1>would be pulled over and then they'd be like, oh,

0:41:18.040 --> 0:41:19.839
<v Speaker 1>it's my friend the other police officer, so we would

0:41:19.840 --> 0:41:20.360
<v Speaker 1>be allowed to go.

0:41:20.440 --> 0:41:21.879
<v Speaker 2>But I saw like.

0:41:21.800 --> 0:41:25.799
<v Speaker 1>I'm talking about, like like aka's to your car, pull over.

0:41:25.840 --> 0:41:26.560
<v Speaker 2>Now I'm shooting.

0:41:26.600 --> 0:41:31.000
<v Speaker 1>And it's reached a fever, a feverish peak with the

0:41:31.120 --> 0:41:33.680
<v Speaker 1>SAR squad where they if you are a young person

0:41:33.719 --> 0:41:35.680
<v Speaker 1>that has a nice phone or is dressed nicely, they

0:41:35.719 --> 0:41:39.760
<v Speaker 1>have been stopping. People have been killed. And I actually

0:41:39.840 --> 0:41:44.600
<v Speaker 1>was just what's happening with my cousin Effie and I'm Nigeria,

0:41:44.680 --> 0:41:46.840
<v Speaker 1>just checking on him and seeing if he was okay,

0:41:47.520 --> 0:41:51.040
<v Speaker 1>and he was like yeah, So he was like, yeah,

0:41:51.040 --> 0:41:55.160
<v Speaker 1>I'm okay. I'm in Port Hardcourt that's where he lives.

0:41:55.200 --> 0:41:59.480
<v Speaker 1>It's mostly in Legis in Abuja, which are two major cities.

0:41:59.520 --> 0:42:02.160
<v Speaker 1>And he said, sorrows are what they are. Their activities

0:42:02.160 --> 0:42:05.880
<v Speaker 1>are very notorious. They can harass you anyhow without you

0:42:05.920 --> 0:42:09.279
<v Speaker 1>committing anything. If you enter into their net to bail

0:42:09.320 --> 0:42:12.160
<v Speaker 1>yourself out. Sometimes you've pay over five hundred thousand k

0:42:12.320 --> 0:42:15.000
<v Speaker 1>This is in naira. This might be a few hundred dollars,

0:42:15.000 --> 0:42:18.279
<v Speaker 1>which is a significant amount of money, depending and some

0:42:18.320 --> 0:42:22.359
<v Speaker 1>people come out to form or it's death, it's harassment

0:42:22.520 --> 0:42:23.400
<v Speaker 1>and extortion.

0:42:23.640 --> 0:42:24.719
<v Speaker 2>This is what he's just telling me.

0:42:24.760 --> 0:42:27.920
<v Speaker 1>And he's like, people are tired of their listed activities

0:42:27.960 --> 0:42:30.400
<v Speaker 1>and the protest is for the government to dissolve the unit.

0:42:31.080 --> 0:42:33.640
<v Speaker 1>The last time the government agreed to reform the unit,

0:42:34.160 --> 0:42:36.879
<v Speaker 1>there wasn't a proper mechanism in place. So but I'm

0:42:37.040 --> 0:42:39.480
<v Speaker 1>just now looking and I was like doing some research

0:42:39.480 --> 0:42:42.640
<v Speaker 1>because I wanted to post about it, and it looks like,

0:42:42.719 --> 0:42:46.680
<v Speaker 1>literally as of a few hours ago, that the president

0:42:46.719 --> 0:42:50.720
<v Speaker 1>has agreed to disband STARS, So we will see. Literally

0:42:51.360 --> 0:42:54.680
<v Speaker 1>it says STARS has ended. The Nigerian police Force is dissolved,

0:42:54.719 --> 0:42:57.959
<v Speaker 1>so we'll see there's a lot of This is why

0:42:58.760 --> 0:43:01.319
<v Speaker 1>I think people in America don't understand why it is

0:43:01.440 --> 0:43:04.759
<v Speaker 1>so critically important to maintain a middle class, because what's

0:43:04.760 --> 0:43:06.480
<v Speaker 1>happening in Nigeria is that you have the very very

0:43:06.560 --> 0:43:08.880
<v Speaker 1>rich and the very very poor. When there is no

0:43:08.920 --> 0:43:13.239
<v Speaker 1>middle class, people will result, meaning those who are very

0:43:13.320 --> 0:43:17.240
<v Speaker 1>very poor will result into feeding themselves and their family,

0:43:17.320 --> 0:43:21.200
<v Speaker 1>oftentimes in ways that you cannot imagine. But we don't

0:43:21.239 --> 0:43:23.040
<v Speaker 1>know that because we have a middle class to kind

0:43:23.040 --> 0:43:26.880
<v Speaker 1>of balance out. But our current administration, the way it

0:43:26.960 --> 0:43:29.800
<v Speaker 1>is structured itself, it is squeezing out the middle class.

0:43:29.960 --> 0:43:32.279
<v Speaker 1>And it's so funny because it's like the middle class.

0:43:32.000 --> 0:43:33.760
<v Speaker 2>That's supporting whatever.

0:43:33.800 --> 0:43:35.480
<v Speaker 1>Some people are just they don't even realize that they're

0:43:35.480 --> 0:43:36.960
<v Speaker 1>working against their own best interests.

0:43:37.000 --> 0:43:38.799
<v Speaker 2>But okay, but yeah, so.

0:43:38.760 --> 0:43:40.239
<v Speaker 1>I just wanted to, like, you know, so it's like,

0:43:40.520 --> 0:43:42.359
<v Speaker 1>so we'll see. Hopefully I'm going to post some more

0:43:42.400 --> 0:43:44.120
<v Speaker 1>bat it on my social because I thought to myself

0:43:45.120 --> 0:43:48.640
<v Speaker 1>as a I consider myself African American, I consider myself Nigerian.

0:43:48.680 --> 0:43:51.719
<v Speaker 1>I insider myself black a woman, So I posted a

0:43:51.760 --> 0:43:54.720
<v Speaker 1>lot about Black Lives Matter. I can't be silent about SARS.

0:43:55.239 --> 0:43:56.719
<v Speaker 1>At first, I was like, well, I don't only know much,

0:43:56.719 --> 0:43:58.000
<v Speaker 1>and I was like, girl, do you know all the

0:43:58.040 --> 0:44:00.400
<v Speaker 1>things about Black Lives Matter? And yet you posted so

0:44:00.560 --> 0:44:02.520
<v Speaker 1>don't you know? I told myself, I'm not that's not

0:44:02.560 --> 0:44:05.480
<v Speaker 1>the excuse, Tiffany. So yeah, I just wanted to share that.

0:44:05.840 --> 0:44:08.520
<v Speaker 1>And if any of y'all are familiar or if any

0:44:08.560 --> 0:44:12.680
<v Speaker 1>of our our listeners are actually in Nigeria or surrounding

0:44:12.719 --> 0:44:14.839
<v Speaker 1>countries and you have like more kind of like on

0:44:14.880 --> 0:44:18.040
<v Speaker 1>the ground, be back up of what's happening. I would

0:44:18.080 --> 0:44:19.960
<v Speaker 1>love to know. Certainly tag me at the Budgetista. I

0:44:20.760 --> 0:44:23.080
<v Speaker 1>want to learn more and like what the hardest part

0:44:23.080 --> 0:44:26.280
<v Speaker 1>for me is, I'm not clear of what can be done.

0:44:26.840 --> 0:44:29.520
<v Speaker 1>What other Nigerians are just asking is that you shared it,

0:44:29.560 --> 0:44:32.000
<v Speaker 1>because in so sharing, you're shaming the government to make

0:44:32.040 --> 0:44:34.920
<v Speaker 1>a move. But other than that is you know what

0:44:34.960 --> 0:44:37.480
<v Speaker 1>else can we do? So that's probably my biggest I'm asking.

0:44:38.120 --> 0:44:40.200
<v Speaker 1>I was just asking Iffy, my cousin, and he was like,

0:44:40.280 --> 0:44:42.799
<v Speaker 1>right now, share as much as possible because right now

0:44:42.840 --> 0:44:45.280
<v Speaker 1>it's forcing the government's hand because the world is watching.

0:44:45.480 --> 0:44:48.799
<v Speaker 3>So yes, and it's almost like you know, America and

0:44:49.120 --> 0:44:51.560
<v Speaker 3>for what it's worth, like I know there's people who

0:44:51.560 --> 0:44:55.280
<v Speaker 3>are very much against the US interfering so to speak

0:44:55.280 --> 0:44:59.040
<v Speaker 3>in other countries situations to come to aid or whatever,

0:44:59.440 --> 0:45:01.520
<v Speaker 3>and of course we have like a not the greatest

0:45:01.600 --> 0:45:04.960
<v Speaker 3>track record of doing that to anyone's benefit. That being said,

0:45:05.120 --> 0:45:09.120
<v Speaker 3>I feel like if American citizens stand up and call attention,

0:45:09.200 --> 0:45:12.360
<v Speaker 3>I mean, that's that's I feel like sometimes more powerful

0:45:12.400 --> 0:45:14.520
<v Speaker 3>the same way that Nigerian citizens that seems like they've

0:45:14.520 --> 0:45:17.239
<v Speaker 3>stood up and said enough, like we're not going to

0:45:17.239 --> 0:45:20.839
<v Speaker 3>tolerate this anymore. Was it inspired at all, like by

0:45:20.960 --> 0:45:24.280
<v Speaker 3>the Black Lives Matter movement? Because like that, so SARS

0:45:24.320 --> 0:45:26.640
<v Speaker 3>has been around for nearly thirty years. Now, what do

0:45:26.640 --> 0:45:29.360
<v Speaker 3>you think is changing now? Like people are rising up

0:45:29.360 --> 0:45:29.799
<v Speaker 3>against it.

0:45:29.800 --> 0:45:33.120
<v Speaker 1>It's funny because actually my sister Lisa, one of her professor,

0:45:33.200 --> 0:45:35.640
<v Speaker 1>is one of the ones that started the movement. He

0:45:35.719 --> 0:45:39.319
<v Speaker 1>has been on the ground for a long time. They

0:45:39.360 --> 0:45:42.960
<v Speaker 1>actually arrested him on some bogus charges. They've since stripped

0:45:43.040 --> 0:45:45.000
<v Speaker 1>him of He's out of jail after a year being

0:45:45.040 --> 0:45:49.719
<v Speaker 1>held without cause, and they sent stripped him of his year. Hm.

0:45:49.880 --> 0:45:52.440
<v Speaker 1>They stripped him of his passport, so he can't go anywhere.

0:45:52.640 --> 0:45:54.680
<v Speaker 1>So he said, fine, if I'm stuck here, I will

0:45:54.760 --> 0:45:59.000
<v Speaker 1>use social media. So what you're seeing is accumulation of

0:45:59.160 --> 0:46:03.000
<v Speaker 1>his efforts and the efforts of the people who who

0:46:03.239 --> 0:46:04.719
<v Speaker 1>just like him want to see a change. And so

0:46:05.080 --> 0:46:08.400
<v Speaker 1>I think what helped is they saw the I don't

0:46:08.640 --> 0:46:12.000
<v Speaker 1>it wasn't Black Lives Matter that made the movement happen.

0:46:12.080 --> 0:46:13.919
<v Speaker 1>I think it's what it's like it helped to open

0:46:14.000 --> 0:46:16.560
<v Speaker 1>the door for the movement to be heard because, like

0:46:16.560 --> 0:46:19.880
<v Speaker 1>I said, I've been this, you know point Like I

0:46:19.920 --> 0:46:21.480
<v Speaker 1>was like like the last time I went to Nigeria

0:46:21.560 --> 0:46:23.200
<v Speaker 1>was like ten years ago, and I saw this myself

0:46:23.239 --> 0:46:25.040
<v Speaker 1>with my own two So this is not a new issue.

0:46:25.040 --> 0:46:27.680
<v Speaker 1>This is not something that Nigeria's have not been talking about.

0:46:27.719 --> 0:46:31.239
<v Speaker 1>I just think that now it's like, Okay, you know,

0:46:31.320 --> 0:46:34.719
<v Speaker 1>it's scary because there is at least some.

0:46:34.520 --> 0:46:36.920
<v Speaker 2>Law in order here in some ways.

0:46:37.440 --> 0:46:40.360
<v Speaker 1>But there are places like literally I saw the policeman

0:46:40.520 --> 0:46:42.200
<v Speaker 1>like shoot his gun in the air and point it

0:46:42.280 --> 0:46:44.320
<v Speaker 1>like at a family in a car and say stop

0:46:44.440 --> 0:46:45.520
<v Speaker 1>or all of you it's I.

0:46:45.520 --> 0:46:46.759
<v Speaker 2>Mean, and then what can you do? You know what

0:46:46.800 --> 0:46:48.680
<v Speaker 2>I mean, Like what Yeah.

0:46:48.800 --> 0:46:51.320
<v Speaker 1>So it's just so I think so a lot of

0:46:51.320 --> 0:46:54.160
<v Speaker 1>people are afraid because you're really literally putting your life

0:46:54.200 --> 0:46:57.279
<v Speaker 1>on the line some places when you protest. We we

0:46:57.320 --> 0:46:59.839
<v Speaker 1>don't know, I mean we know, but we don't know

0:47:00.280 --> 0:47:04.279
<v Speaker 1>that level of scariness where you know, yeah, it's just

0:47:04.320 --> 0:47:05.680
<v Speaker 1>like well, I don't want to compare like, you know,

0:47:05.760 --> 0:47:09.279
<v Speaker 1>struggle for struggle, but it's just a different level of Yeah,

0:47:09.280 --> 0:47:11.279
<v Speaker 1>it's just a different level of like what's allowed, and

0:47:11.320 --> 0:47:14.720
<v Speaker 1>so I am grateful that Black Lives Matter has made

0:47:15.080 --> 0:47:17.120
<v Speaker 1>Like you know, I don't want to take away from

0:47:17.120 --> 0:47:18.600
<v Speaker 1>the movement of what they've done on their own, but

0:47:18.600 --> 0:47:24.760
<v Speaker 1>I just think that it's emboldened this type of protest.

0:47:24.920 --> 0:47:27.000
<v Speaker 1>And so yeah, so yeah, Like I said, I want

0:47:27.040 --> 0:47:29.160
<v Speaker 1>to I want to share more. I want to learn more.

0:47:29.160 --> 0:47:32.080
<v Speaker 1>If you guys know more, please share especially. I want

0:47:32.080 --> 0:47:34.279
<v Speaker 1>to find solutions or things that people can do here

0:47:34.360 --> 0:47:37.000
<v Speaker 1>and abroad to help and to be of service other

0:47:37.080 --> 0:47:40.040
<v Speaker 1>than just sharing. But the sharing alone is really important.

0:47:40.280 --> 0:47:42.200
<v Speaker 3>Well, thank you for sharing, because I was not aware

0:47:42.200 --> 0:47:44.600
<v Speaker 3>of that at all. So I learned something today.

0:47:44.480 --> 0:47:49.640
<v Speaker 4>No problem, all right, Well that I believe is the show.

0:47:49.800 --> 0:47:55.239
<v Speaker 4>It is another week, another week closer to elect Oh god,

0:47:55.800 --> 0:47:57.360
<v Speaker 4>I hear the little one.

0:47:57.640 --> 0:48:05.040
<v Speaker 3>He crawls like a sprinter, sprints like I have never

0:48:05.040 --> 0:48:08.240
<v Speaker 3>seen a human move so fast on four lands and insane.

0:48:08.719 --> 0:48:10.440
<v Speaker 2>These kids are fast out here in these streets.

0:48:10.960 --> 0:48:14.399
<v Speaker 3>They're so fast. All right. Well, I'll take care, have

0:48:14.440 --> 0:48:17.239
<v Speaker 3>a good rest of your week. Happy early voting, you too,

0:48:18.040 --> 0:48:18.800
<v Speaker 3>Hi bye, y'all.