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Speaker 1: Hey, hey, BA fam. We love mondays around here because

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Speaker 1: when we publish our how to Throwback episode, so we

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Speaker 1: dig into the BA archives and bring out the ones

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Speaker 1: where we really teach you some incredible skills you could

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Speaker 1: use to advance your career, bring home the bacon and

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Speaker 1: actually know what to do with it. And that's exactly

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Speaker 1: what today's throwback episode is about, because we talk about

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Speaker 1: how to invest beyond your four oh one K. In

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Speaker 1: this episode, we're going to break down why it's finally

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Speaker 1: time for you to start thinking beyond basic savings and

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Speaker 1: retirement accounts and taking advantage of what else there may

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Speaker 1: be out there. Play the field with your money a

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Speaker 1: little bit, okay, and I might tell you a secret

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Speaker 1: about my My money habits a bit of a cash hoarder.

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Speaker 1: Y'all might have known that. But I don't know if

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Speaker 1: I can even compete with Tiffany, y'all, because that girl

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Speaker 1: loves to hold on some cold, hard cash. I think

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Speaker 1: if she didn't have Angelie, you know, her financial planner,

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Speaker 1: I think Tiffany would probably I love that. I'm doom

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Speaker 1: shit about her because she's not here, but I bet

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Speaker 1: she would have like there would be a drawer in

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Speaker 1: her house with just cashing it, just cold heart cash,

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Speaker 1: it would be like a duffel bag and be under

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Speaker 1: her couch cushion somewhere. She'd be that lady. But without

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Speaker 1: further ado, here is our throwback this week, don't forget

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Speaker 1: to rate and review the show. We love hearing from

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Speaker 1: our listeners so much. In fact, I'm going to go

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Speaker 1: and read one of the most recent reviews that we got,

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Speaker 1: because why the hell not? All right? This listener Kansas

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Speaker 1: City Diana. Oh, she left us a review just a

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Speaker 1: week ago. A week ago? Can I speak? Listen, y'all,

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Speaker 1: I've been doing this podcast for how long? Let me

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Speaker 1: get a sentence out of my mouth without a verbal typo.

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Speaker 1: This review is from Kansas City Diana, who left us

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Speaker 1: a review on Apple about a week ago. She says,

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Speaker 1: these two ladies have inspired me with their advice and

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Speaker 1: hype while interviewing some of the most interesting and helpful guests.

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Speaker 1: I have laughed and cried and felt so uplifted by

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Speaker 1: hearing these stories every week.

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Speaker 2: Five stars.

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Speaker 1: Thank you, Diana. That is so freaking kind. I wish

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Speaker 1: we had started reading these reviews out loud a lot

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Speaker 1: a long time ago, but no better time than the present.

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Speaker 1: If y'all want to leave a review, please, it means

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Speaker 1: so much to us. We really genuinely read each and

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Speaker 1: every one. You can go to wherever you get your podcasts,

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Speaker 1: Apple Podcasts primarily and leave us a review there. All right,

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Speaker 1: let's get into this week's How To episode.

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Speaker 3: Hey, hey, hey, it's not my usual Vigor. It's been

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Speaker 3: a long day.

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Speaker 1: It's been a long day, and Skype is trying us

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Speaker 1: earlier today.

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Speaker 4: I know.

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Speaker 3: Honestly, Skype is a hater.

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Speaker 1: Skype did not want brund Ambition to happen tonight.

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Speaker 4: But Skype lost Brown Ambition one whoop whoop because we

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Speaker 4: back and we black and we brown.

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Speaker 2: So how was your birthday?

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Speaker 3: Honestly it was awesome.

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Speaker 4: So Superman brought me some diamond ear rings, which he

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Speaker 4: was so proud, I know. He made me open them

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Speaker 4: in front of everybody's like good, passed them around because

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Speaker 4: I was like, when am I getting my gift? He

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Speaker 4: was like later on tonight he was like waiting for

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Speaker 4: more people to come.

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Speaker 3: Oh.

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Speaker 4: So part of the gift was also that he invited

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Speaker 4: like my family and friends to the house on my

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Speaker 4: actual birthday, which was.

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Speaker 3: Really nice and he you know, got food.

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Speaker 4: He even got like vegan food for me for my

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Speaker 4: favorite vegan restaurant, and even a vegan cake.

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Speaker 3: It was a chocolate moose cake that was delicious, awesome.

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Speaker 4: I know, I was like, look at you because once

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Speaker 4: I found out, at first it was going to be

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Speaker 4: a little bit of a surprise, and then I think

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Speaker 4: he was just kind of like, well, let me just

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Speaker 4: tell her. So once I found out, you know, I

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Speaker 4: tried to take over and he was like, yeah, so no,

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Speaker 4: I'm the project manager.

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Speaker 3: You just sit back.

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Speaker 1: Not a gift though, because it's so much so it's

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Speaker 1: so hard to sit back.

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Speaker 3: Yeah. What I was like calling all my friends secretly

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Speaker 3: like okay.

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Speaker 4: Girl, so you know you could do it for her, right,

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Speaker 4: Like what do he say to brain? Okay, no, this

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Speaker 4: is what you need to do. But it was great,

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Speaker 4: and especially when we opened up. He was like open

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Speaker 4: up the present and I can barely look at that.

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Speaker 4: Before he took them, was like passing them around the table.

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Speaker 4: I'm like, honestly, okay, sorry, no, yeah, but honestly, it was.

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Speaker 3: An awesome, awesome, awesome birthday. Oh happy birthday, yes, oh child.

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Speaker 4: So you know it's so crazy, you know, how last week,

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Speaker 4: like I talked about the and I know you got

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Speaker 4: some mail about that that almost rape moment that I

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Speaker 4: had back when I was like in college.

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Speaker 1: Oh right, last still last week on the show, we

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Speaker 1: were talking about all the Harvey Weinstein stuff. Just in case,

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Speaker 1: y'all and Tiffany, you opened up about.

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Speaker 2: A really strange, scary.

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Speaker 1: Like sexual encounter you had.

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Speaker 3: Mom.

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Speaker 2: Was that in college?

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Speaker 3: Yeah?

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Speaker 4: It was like, yeah, I think I had to be

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Speaker 4: maybe a freshman in college and then so I wasn't raped.

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Speaker 3: For those of you are like, what, so listen to

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Speaker 3: the show before.

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Speaker 4: But I then then to home me Too. So this

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Speaker 4: was relating back to kind of like what's happening now.

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Speaker 4: There's this campaign going around called me Too, where women

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Speaker 4: are sharing their own sexual harassment or rape or molestation

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Speaker 4: or whatever that looks like.

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Speaker 3: And it's so powerful. And that's seeing women that I

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Speaker 3: know and.

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Speaker 4: I'm like really and seeing their stories and it's I

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Speaker 4: don't know that any woman has not said basically me too,

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Speaker 4: hashtag me too. It's just been really powerful. Have you

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Speaker 4: seen it?

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Speaker 3: Oh?

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Speaker 1: Yeah, I mean how could you miss it? I mean

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Speaker 1: it's sad sadly, how could you miss it? It seems

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Speaker 1: like half the women I'm on my Facebook feed, you know,

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Speaker 1: are either writing it's it's nice because it's such a

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Speaker 1: simple hashtag and it leaves it leaves you with the

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Speaker 1: ability to not have to say too much, like you

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Speaker 1: can just say me too, but not have to expand

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Speaker 1: on it. But then some of my friends and colleagues

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Speaker 1: and family have been like, you know, taking an opportunity

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Speaker 1: to share, you know, more details and stuff.

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Speaker 3: But yeah, it is, so.

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Speaker 4: This is kind of I'm just like, did you see

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Speaker 4: did you hear about the story about American Airlines? And uh,

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Speaker 4: Tamika said, Tamika Maori. This is her name.

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Speaker 3: She is a mirror maworie. No, it's Tamika, That's what

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Speaker 3: it is. She's a black activist.

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Speaker 4: So I guess I'm just saying this is just coming

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Speaker 4: out that like she was booted from an American Airlines plane.

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Speaker 3: Now they have this big.

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Speaker 4: Well she's starting kind of like a campaign, I guess

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Speaker 4: against American Airlines. So apparently she tried to switch her seat,

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Speaker 4: wasn't able to. I guess a pilot overheard her going

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Speaker 4: back and forth with the gate agent, so after she

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Speaker 4: would seate it. So I guess at a Kiosk. She

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Speaker 4: switched her seat from middle to aisle, but it didn't

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Speaker 4: take at the gate, so she was going back and

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Speaker 4: forth with the gate agent like no, no, I had an

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Speaker 4: aisle seat, a middle seat or whatever. The pilot overheard,

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Speaker 4: and I guess when she got seated then had her removed.

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Speaker 4: This is like after they she went back and forth

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Speaker 4: with the gate agent. So anyway, it's just kind of random,

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Speaker 4: and I was just like, what, you would think these

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Speaker 4: airlines would be more more careful these days about removing people,

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Speaker 4: Like not just for me reading it now, of course

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Speaker 4: I'm not hearing what American Airlines is having to say,

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Speaker 4: but reading it now, it seems like so, but you

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Speaker 4: would think that they'd be more careful with how they've

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Speaker 4: been sued so many times for improper removing people, improperly

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Speaker 4: removing people. One of my friends works for an airline,

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Speaker 4: so whenever something like this happens, I always ask him, like,

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Speaker 4: you know, so, like what you know, did they did

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Speaker 4: they follow procedure? What could what what they what were

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Speaker 4: they allowed to do or not allowed to do? And

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Speaker 4: his his insights always really interesting when he's like, oh, yeah,

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Speaker 4: they totally messed up or actually that's the procedure and

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Speaker 4: unfortunately just went left.

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Speaker 3: So yeah, that's airlines.

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Speaker 1: Well, I mean it's not just the airlines, it's like

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Speaker 1: the people working, you know, it's like the PR, the

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Speaker 1: PR person that the airline definitely would handle it differently,

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Speaker 1: but like when it's down to like the individual at

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Speaker 1: the gate and like and who they're hiring, and like

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Speaker 1: so many.

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Speaker 3: People, it is especially you know, it's not easy.

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Speaker 4: I mean, I'm not saying that America, I didn't make

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Speaker 4: a mistake, but customer support and service can be because

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Speaker 4: you know, everyone's just so many personalities to deal with,

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Speaker 4: and you know, just managing that like the person before

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Speaker 4: might have just yelled at you, the other person is

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Speaker 4: like I'm going to get.

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Speaker 3: You fired, and it's just so much. I don't even

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Speaker 3: know how.

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Speaker 4: I mean, I guess you could say I work in

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Speaker 4: customer support in some ways, and sometimes I'm like I'm

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Speaker 4: all right on the other side, yeah, well, being on

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Speaker 4: the side of like service, you know, because like you'll

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Speaker 4: try to serve somebody.

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Speaker 3: Yo, there is what is that saying about, like no

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Speaker 3: good deedgos unpunished.

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Speaker 4: Like literally I could give something like hey, guys, I'm

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Speaker 4: going to give you this present.

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Speaker 3: It's so great here and it's totally free. It will

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Speaker 3: change your life.

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Speaker 4: And somebody will still be like it's not purple though,

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Speaker 4: and I'm like, what, like somebody will complain about something

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Speaker 4: so random of this free gift.

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Speaker 3: Oh.

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Speaker 4: I remember one time a woman signed up for my

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Speaker 4: Live Ritual Challenge, which is completely free, and it's already

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Speaker 4: years in, so you know, in the beginning, I can

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Speaker 4: understand people are a little sketchy about like, oh, is

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Speaker 4: this really free or is it like fake free? When

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Speaker 4: they're like it got you, but it's like year four now,

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Speaker 4: so there's no gotcha, gotcha. And so she wanted a

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Speaker 4: one on one so she emailed and me was like, Hey,

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Speaker 4: you know I'm doing the challenge.

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Speaker 3: I have a question. Can I can I get a

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Speaker 3: phone call?

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Speaker 4: And I was like, you know, unfortunately, because there's so

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Speaker 4: many women at this time, it was a few hundred thousand,

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Speaker 4: and you know that I can't do one on one

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Speaker 4: phone call. But you police post in the group because

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Speaker 4: there's literally hundreds of thousands of women and someone has

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Speaker 4: the answer for you. And she wrote back, and I'll

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Speaker 4: never forget this. I remember looking at the screen and blinking. Well, clearly,

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Speaker 4: this is not a program for me. If you can't

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Speaker 4: take the time out of your day to get on

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Speaker 4: the phone to help somebody, I think i'll remove myself.

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Speaker 4: I'm like, from the from the free program. Like I

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Speaker 4: was thinking to myself, ma'am, I'm literally this is okay.

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Speaker 3: You could leave. I'd prefer if you don't. But I'm like,

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Speaker 3: it's a free program.

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Speaker 4: Why are you mad at me because I won't take

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Speaker 4: a call from all three hundred thousand women who hit

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Speaker 4: me up.

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Speaker 3: That's why I created the group, because because I kept

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Speaker 3: getting so many requests to talk that I.

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Speaker 4: Said, there has to be a way that people still

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Speaker 4: get help if I can't speak to anyone individually, everyone individually,

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Speaker 4: and so it's like you still get the help for free,

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Speaker 4: no matter what. And so I just remember thinking like, wow,

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Speaker 4: you could do a lot of good, but there's always

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Speaker 4: going to be somebody who's going to be like.

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Speaker 3: I know you gave your arm, but you didn't give

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Speaker 3: you a shoulder, you know. Oh my gosh.

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Speaker 4: Yeah.

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Speaker 1: The service industry, Yes, that service.

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Speaker 4: Industry, it can be well, I mean I'm great, so

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Speaker 4: on truth, people are nice.

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Speaker 3: Yeah, So I was gonna say like, yeah, I have

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Speaker 3: a lot.

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Speaker 4: I mean, ninety nine percent of the dream catches are honestly,

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Speaker 4: it's the thing that keeps me going.

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Speaker 3: But then you get that one and you're like, girl,

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Speaker 3: get on my inbox.

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Speaker 1: Hey, did you see the Google doodle today? Yes, Elena,

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Speaker 1: I didn't realize today. What is it the anniversary of

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Speaker 1: her very first album in nineteen.

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Speaker 3: What people?

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Speaker 1: What an icon there?

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Speaker 3: I know, isn't that so crazy? There's some people who

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Speaker 3: because how old was she?

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Speaker 1: She was twenty three twenty four when she died.

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Speaker 3: I mean she was like a baby exactly.

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Speaker 4: And I mean I wonder what it is about some

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Speaker 4: people who are who leaves such a mark on the

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Speaker 4: world that they literally change it and are forever remembered,

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Speaker 4: you know what I mean, Like like what is that

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Speaker 4: magic sauce that some people have, because like I'm not

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Speaker 4: even like into like necessarily, like I'm not sure what

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Speaker 4: you would call the music, the type like her genre music.

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Speaker 1: It was well, she started out doing tehano music, I think,

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Speaker 1: and then she was crossing over into pop music.

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Speaker 4: So I'm not like, you know, but still I knew

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Speaker 4: about Selena like and her impact. So it just sometimes

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Speaker 4: people just leave this Mark and it's in you know,

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Speaker 4: it's just forever part of the fabric of I don't know,

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Speaker 4: of our culture. And that's Selena. I'm like, oh, man,

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Speaker 4: like yeah, what a beautiful young soul. And you're right,

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Speaker 4: she was a baby, and it's such a shame.

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Speaker 1: We could use this today.

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Speaker 2: Man.

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Speaker 1: I think what she represented too, the combination of culture

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Speaker 1: from Mexico to America, because you know, she was grew

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Speaker 1: up in Texas with Mexican American, but that's like a

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Speaker 1: different culture than straight Mexican than straight American. And I

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Speaker 1: think she represented both worlds so so great, so well,

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Speaker 1: and she was like both of ours, and you know,

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Speaker 1: represented like a new generation of young Mexican American immigrants.

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Speaker 1: And of course she died so young.

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Speaker 2: It's also just like.

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Speaker 1: The fact of someone dying so young and being so bright,

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Speaker 1: like Aliyah. Think about Alia when you think about Selena.

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Speaker 1: But if you want to go feel some kills and

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Speaker 1: have like a little pick me up, go check out

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Speaker 1: the Google all you have until midnight.

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Speaker 2: Actually it's over by now.

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Speaker 1: When you're listening to this, it's like it's that it's

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Speaker 1: gonna be on YouTube though, no, no, it's on YouTube.

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Speaker 3: If you go to them.

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Speaker 1: They had the video that they have is on YouTube.

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Speaker 2: You can just you can go to.

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Speaker 1: YouTube and look up Selena Google doodle pop up.

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Speaker 3: Okay, do you want to break? Do you want to boost?

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Speaker 3: Because I won't want to. I don't know what do

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Speaker 3: I want to do? Break or boost? What do you

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Speaker 3: want to do?

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Speaker 1: I want to break? Well, I always get torn. I

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Speaker 1: want to do a break from more money, more problems. Okay,

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Speaker 1: here's the problem. I feel like I'm at that place

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Speaker 1: now where we had to have a you know, we

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Speaker 1: had a financial planner and she was really useful to us,

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Speaker 1: especially this last year. She was a feeling planner, and

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Speaker 1: we would pay her a monthly fee for her services.

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Speaker 1: Then she would she would come sometimes visit New York

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Speaker 1: to meet this in person and she would just offer

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Speaker 1: a lot of advice and help us everything from comparing

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Speaker 1: you know, life insurance plans to when we got married,

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Speaker 1: looking at our health insurance plans and you know, recommend

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Speaker 1: ending which one to go with and like really helpful

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Speaker 1: and and anyway, so we've had we've had a great

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Speaker 1: year and it's been really helpful, you know, having this

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Speaker 1: this this planner. But it's like now it's getting to

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Speaker 1: a point.

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Speaker 2: Where we have we have our goals, and we have

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Speaker 2: money in the bank.

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Speaker 1: But she's like, you have way too much in cash.

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Speaker 1: And I feel like we're becoming that millennial prophecy or

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Speaker 1: like the millennial stereotype of like we keep too much

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Speaker 1: in our savings because we're afraid of investing. I'm afraid

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Speaker 1: of investing, but just like we're hesitant to start investing

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Speaker 1: with our with our savings, our cash money, you know

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Speaker 1: a note, both of us max out our four to one.

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Speaker 1: K's like, we have no problem doing that. But other

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Speaker 1: than that, it's always been we're sort of like squirling

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Speaker 1: and hoarding. And I say we but really it's me. Yeah,

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Speaker 1: I'm sort of like nurturing this little that's like my little.

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Speaker 3: Little like.

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Speaker 1: My frescious.

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Speaker 3: It's a white, fluffy cat.

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Speaker 1: And I'm like, what do you mean there's too much?

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Speaker 4: Yes, oh my god, that must be the millennial like,

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Speaker 4: because I'm like, I'm generation is an X.

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Speaker 3: Right, is that what is white before millennial?

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Speaker 1: Yes?

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Speaker 4: But I'm like on the I'm like I said generation yes,

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Speaker 4: but I'm like a super like I'm on the young

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Speaker 4: side of Generation X, and that so I have a

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Speaker 4: lot of millennial tendencies, and that is so me. I've

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Speaker 4: got a little stockpile for when the wear from the

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Speaker 4: one the war comes, right, I'm ready, you know, I

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Speaker 4: have so much cash sitting My financial advisor just looked

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Speaker 4: at me like, Tiffany, what are you doing. I'm like,

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Speaker 4: I don't know because I am afraid to invest. I'm

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Speaker 4: not gonna lie. I do I have my I have

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Speaker 4: my you know, my my retirement fund set up. So

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Speaker 4: the superman, but there there's a part of me that

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Speaker 4: it's really afraid to like not see the stockpile, you know,

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Speaker 4: like no, no, because when the war comes and if

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Speaker 4: recession hits, I'm ready.

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Speaker 3: You know, I got my gold bars underneath the bed.

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Speaker 3: So no, I totally feel you.

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Speaker 2: Oh well, one of the.

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Speaker 1: Things that she she gave us a plan, an action plan,

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Speaker 1: because she gave us an action plan last month and

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Speaker 1: I've been really like procrastinating and actually doing it. But

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Speaker 1: it's actually a plan on how much. So a lot

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Speaker 1: of we've gotten this question before. You know, after your

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Speaker 1: four oh one k, what are you supposed to do

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Speaker 1: with everything else that you earn over your lifetime? And

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Speaker 1: you know you're blessed to earn money beyond that point,

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Speaker 1: but like, what are you supposed to do with it?

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Speaker 3: How?

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Speaker 1: How is the best way to invest? And she's sort

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Speaker 1: of had I mean, everyone's situation is different, but she

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Speaker 1: started off by asking us our goals, which is one,

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Speaker 1: we want to we want to save a down payment

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Speaker 1: for a house. I guess in my mind, I've just

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Speaker 1: been stockpiling, stockpiling, stockpiling.

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Speaker 2: I live in New York.

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Speaker 1: City, so I'm like, oh, I don't know how much

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Speaker 1: it's going to be enough for house a million dollars.

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Speaker 1: I guess I'll never stop saving. But that's not actually true.

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Speaker 2: She, you know, crunched the numbers. We actually, you know,

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Speaker 2: for our budget.

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Speaker 1: We decided how much we actually needed to save for

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Speaker 1: a down payment realistically, and then how much we have

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Speaker 1: left over when we're going to want to use that

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Speaker 1: down payment money, how much we actually want to budget

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Speaker 1: for our annual vacationing and those larger expenses that we

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Speaker 1: spent throughout the year. That was pretty much our only

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Speaker 1: big or two big earmarks for savings, one for the

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Speaker 1: retire sorry, one for a down payment on a house,

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Speaker 1: and two for annual vacations and trips. Because we have,

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Speaker 1: you know, vacations and also like seventy five weddings.

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Speaker 3: To go to a year.

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Speaker 1: Now outside of that, she's like, you really don't end

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Speaker 1: your emergency fund, of course, which is you know, we

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Speaker 1: have about six months of income. She suggests a six months.

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Speaker 1: I like to keep twelve, but we're going back and

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Speaker 1: forth on that. Maybe we'll settle on nine after that.

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Speaker 1: So one is obviously emergency fund. Two the down payment

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Speaker 1: for the house. Three the vacations. So once you have

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Speaker 1: that set aside, she's like, now with this extra money.

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Speaker 1: In my mind, I hadn't been letting myself see it

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Speaker 1: as extra. I it'd sort of been, like I said,

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Speaker 1: just tricking or like telling myself that I needed tosave

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Speaker 1: all this money for the down payment when I don't

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Speaker 1: really need to. He's like, okay, we're gonna start by

401
00:18:03,760 --> 00:18:06,800
Speaker 1: create investing in some CDs, which is like a baby

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Speaker 1: step above a c.

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Speaker 3: Yeah, and that's what see he told me that to

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Speaker 3: Frank mind. Okay, I'm listening. I'm like, oh, Frank said that, okay.

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Speaker 1: Okay, So CDs for you guys. So CDs was a

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Speaker 1: CD was the thing that my grandma bought me when

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Speaker 1: I was born, and.

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Speaker 2: It's like a certificate. And I literally got like.

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Speaker 1: This pink certificate check like thing when I turned eighteen,

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Speaker 1: and I don't even know where that thing ended up, I think,

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00:18:26,560 --> 00:18:29,960
Speaker 1: But anyway, a certificate deposit is just it's basically a

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Speaker 1: savings account with some more rules, and it has slightly

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Speaker 1: higher rates than what you'll get on a savings account,

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Speaker 1: a regular old savings account today.

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Speaker 2: And the longer you keep your money in.

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Speaker 1: A CD, they sell three month CDs, six months CDs,

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00:18:44,280 --> 00:18:47,320
Speaker 1: nine month, twelve month, five years, on and on, and

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Speaker 1: the longer you keep your money in, the higher your

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00:18:49,119 --> 00:18:52,399
Speaker 1: rate can be. The caveat is that that time limit

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Speaker 1: is if you take the money out before that time

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Speaker 1: limit three months, six month, twelve month, you'll pay a

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Speaker 1: penalty for withdrawing the funds. So it really has to

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Speaker 1: be money that you're not going to use anytime soon

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Speaker 1: or anytime within that window. And of course the higher

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Speaker 1: the longer you put the money away for, the higher

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Speaker 1: your reward. So she suggested, you know, putting a small

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Speaker 1: chunk into a five year CD, putting a little bit

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Speaker 1: of a larger chunk into like a I think a

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00:19:22,240 --> 00:19:24,400
Speaker 1: three year CD, and then putting an even larger chunk

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Speaker 1: into a one year CD and letting the money grow there.

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Speaker 1: And then from there, she suggested opening up one both

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Speaker 1: of us opening up an i RA outside of our

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00:19:39,960 --> 00:19:43,440
Speaker 1: four one K investments and under i r S rules

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00:19:43,440 --> 00:19:45,680
Speaker 1: were both allowed to contribute what is it, fifty five

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Speaker 1: hundred into an i RA.

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Speaker 4: Oh really, even after you've maxed that, even if you've

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Speaker 4: maxed that your your four to one K.

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Speaker 1: Yeah, this is outside of your employer contribution, your four

439
00:19:55,600 --> 00:19:58,200
Speaker 1: one K. This is your personal individual retirement account.

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Speaker 3: Okay.

441
00:19:58,880 --> 00:20:01,520
Speaker 1: And and you know I actually already have one because

442
00:20:02,440 --> 00:20:06,000
Speaker 1: I had like a rollover IRAY from before through Vanguard.

443
00:20:06,040 --> 00:20:07,840
Speaker 1: That's kind of just sitting there and I can contribute.

444
00:20:07,960 --> 00:20:09,880
Speaker 1: I can just can keep I can just contribute fifty

445
00:20:09,920 --> 00:20:12,200
Speaker 1: five hundred dollars to that for the year. And then

446
00:20:12,280 --> 00:20:14,840
Speaker 1: my husband he doesn't have one yet, so opening up

447
00:20:14,920 --> 00:20:16,080
Speaker 1: him an IRA.

448
00:20:17,480 --> 00:20:18,240
Speaker 2: And I know the next.

449
00:20:18,160 --> 00:20:19,639
Speaker 1: Question people are wondering is like, well, where do you

450
00:20:19,640 --> 00:20:21,640
Speaker 1: open an IRA at? But you can do it at Vanguard.

451
00:20:22,280 --> 00:20:24,240
Speaker 1: We can get a betterment account if we wanted to

452
00:20:24,760 --> 00:20:29,520
Speaker 1: do TD in error trade. Charles Schwab, there's a bunch

453
00:20:29,560 --> 00:20:32,960
Speaker 1: of discount they call them discount.

454
00:20:32,280 --> 00:20:34,200
Speaker 2: Brokerages or whatever.

455
00:20:34,240 --> 00:20:36,800
Speaker 1: That are out there, and they typically have like a

456
00:20:36,840 --> 00:20:39,760
Speaker 1: minimum deposit, you know, requirement of like I don't know,

457
00:20:39,800 --> 00:20:43,600
Speaker 1: five hundred bucks to one thousand bucks. And anyway, that

458
00:20:43,760 --> 00:20:46,720
Speaker 1: was the next step is opening up those roth iras

459
00:20:46,720 --> 00:20:47,640
Speaker 1: and putting money in there.

460
00:20:48,080 --> 00:20:51,000
Speaker 4: So she a financial advisor that she's advising and she's

461
00:20:51,040 --> 00:20:52,160
Speaker 4: going to do this or she's.

462
00:20:52,000 --> 00:20:52,520
Speaker 3: Like a planet.

463
00:20:52,920 --> 00:20:55,359
Speaker 1: He's not doing it. She's That's The's why I've been

464
00:20:55,440 --> 00:21:00,280
Speaker 1: procrastinating because I have to actually do it anyway. So

465
00:21:00,480 --> 00:21:01,960
Speaker 1: and I had her, you know, send the email with

466
00:21:02,000 --> 00:21:05,199
Speaker 1: the whole plan. And there's other things too, like of

467
00:21:05,240 --> 00:21:07,840
Speaker 1: course maxing out the four O one K. Here's here's

468
00:21:07,880 --> 00:21:11,600
Speaker 1: the thing that I've learned about. So I've been you know,

469
00:21:11,600 --> 00:21:13,720
Speaker 1: I've been talking about personal finance for so long. You

470
00:21:13,720 --> 00:21:15,879
Speaker 1: know how you hear those like rules of thumb and

471
00:21:15,920 --> 00:21:18,160
Speaker 1: you just like repeat them and then you're like, oh,

472
00:21:18,200 --> 00:21:20,000
Speaker 1: that's always been the way it is. You know, whether

473
00:21:20,040 --> 00:21:22,680
Speaker 1: it's saved six months retire or save six months emergency

474
00:21:22,680 --> 00:21:25,840
Speaker 1: fund or save ten percent for retirement. I always hear

475
00:21:25,920 --> 00:21:28,400
Speaker 1: this rule every year at the end of the year.

476
00:21:28,480 --> 00:21:31,080
Speaker 1: There's all these articles that come out saying end of

477
00:21:31,160 --> 00:21:34,080
Speaker 1: year texts or end of your financial planning advice, and

478
00:21:34,160 --> 00:21:36,080
Speaker 1: the first thing is usually max out your four one

479
00:21:36,160 --> 00:21:37,920
Speaker 1: K if you have additional funds.

480
00:21:37,720 --> 00:21:39,119
Speaker 2: Or you get a bonus or whatever.

481
00:21:39,760 --> 00:21:43,440
Speaker 1: And our planner says, you know your income has increased

482
00:21:43,440 --> 00:21:45,760
Speaker 1: throughout the year, you haven't been contributing, You're not going

483
00:21:45,840 --> 00:21:47,320
Speaker 1: to max out your four to one case, You've got

484
00:21:47,320 --> 00:21:49,320
Speaker 1: to boost your contributions to your four O one K

485
00:21:49,440 --> 00:21:51,080
Speaker 1: to make sure you max it out before the end

486
00:21:51,119 --> 00:21:54,800
Speaker 1: of the year. Now it's easier said than done, is

487
00:21:54,840 --> 00:21:58,119
Speaker 1: what I've realized. Like, it's not like your four to

488
00:21:58,119 --> 00:22:01,240
Speaker 1: one K through your employer tells you when you've max

489
00:22:01,280 --> 00:22:03,520
Speaker 1: at your account. You have to actually do the math

490
00:22:03,600 --> 00:22:05,800
Speaker 1: and be like, I mean, some of them might do that,

491
00:22:05,880 --> 00:22:08,960
Speaker 1: but mine doesn't. You have to actually say, Okay, well,

492
00:22:09,000 --> 00:22:10,280
Speaker 1: i have year.

493
00:22:10,400 --> 00:22:11,600
Speaker 2: What month is it October?

494
00:22:11,840 --> 00:22:13,639
Speaker 1: I've got three months more.

495
00:22:13,600 --> 00:22:17,280
Speaker 2: In the year. I've got six pay periods, so I've got.

496
00:22:17,080 --> 00:22:19,720
Speaker 1: To figure out how much how much more I have

497
00:22:19,840 --> 00:22:22,760
Speaker 1: to get to my limit, which is eighteen thy five

498
00:22:22,840 --> 00:22:25,280
Speaker 1: hundred that's how much anyone who has a four to

499
00:22:25,320 --> 00:22:28,760
Speaker 1: one K can contribute for the year, the tax year.

500
00:22:29,200 --> 00:22:32,520
Speaker 1: How much I can contribute to hit that mark? And

501
00:22:32,560 --> 00:22:34,880
Speaker 1: then divide it by the six pay periods and then

502
00:22:34,920 --> 00:22:40,879
Speaker 1: go into my retirement planner, my direct deposit back end

503
00:22:40,960 --> 00:22:44,679
Speaker 1: stuff on my employee website and change my contributions. And

504
00:22:44,680 --> 00:22:46,879
Speaker 1: then you have to really watch it because if you

505
00:22:46,960 --> 00:22:49,360
Speaker 1: go over then you can get penalized for it by

506
00:22:49,359 --> 00:22:53,280
Speaker 1: the IRS. So it's like trickier and more complex than

507
00:22:53,840 --> 00:22:56,080
Speaker 1: it's just one of those rules that I always hear about.

508
00:22:56,160 --> 00:23:01,000
Speaker 1: And so I'm actually doing the thing that I feel

509
00:23:01,040 --> 00:23:02,520
Speaker 1: like people have been asking, you know, what do you

510
00:23:02,560 --> 00:23:05,879
Speaker 1: do when you've like you got your retirement kind of covered,

511
00:23:05,920 --> 00:23:07,399
Speaker 1: you played at your debt, and like, now what to

512
00:23:07,440 --> 00:23:09,919
Speaker 1: do with the money. And That's That's what I'm doing.

513
00:23:10,119 --> 00:23:12,159
Speaker 1: It's what I should be doing. Anyway, I'm gonna do it.

514
00:23:12,160 --> 00:23:13,400
Speaker 1: I'm gonna do it.

515
00:23:13,400 --> 00:23:15,120
Speaker 3: It's done, it's done, it's done.

516
00:23:14,720 --> 00:23:18,760
Speaker 1: I did do the increase your four win k of contributions.

517
00:23:18,760 --> 00:23:19,359
Speaker 3: What a racket?

518
00:23:19,359 --> 00:23:21,160
Speaker 1: Though, I'm like, why do I feel like I'm still broke?

519
00:23:21,240 --> 00:23:23,160
Speaker 1: It's because I'm putting like half my page check away.

520
00:23:23,280 --> 00:23:25,639
Speaker 4: Yes, yeah, I remember those days where I used to

521
00:23:25,720 --> 00:23:27,359
Speaker 4: be like, but then you try to tell yourself, well,

522
00:23:27,359 --> 00:23:28,600
Speaker 4: you're not really broke, but you're like.

523
00:23:28,560 --> 00:23:29,879
Speaker 3: What I feel like I'm broke.

524
00:23:30,119 --> 00:23:32,680
Speaker 1: Yeah, it's it's fine, We're doing fine, but it does

525
00:23:32,720 --> 00:23:34,240
Speaker 1: feel kind of like, well, what do you mean I

526
00:23:34,240 --> 00:23:37,720
Speaker 1: have to I can't, I can't have it. But yeah,

527
00:23:37,760 --> 00:23:39,600
Speaker 1: we've rune max at the four one k for the year.

528
00:23:39,640 --> 00:23:41,719
Speaker 1: I'm going to open the CDs. I think I've picked.

529
00:23:43,240 --> 00:23:45,480
Speaker 1: I think I've picked. I mean, honestly, with CDs, it's

530
00:23:45,480 --> 00:23:47,639
Speaker 1: really just like pick the ones that give you the

531
00:23:47,680 --> 00:23:50,280
Speaker 1: highest rate. So there's a great website called the Positi

532
00:23:50,280 --> 00:23:52,560
Speaker 1: Accounts dot Com. It's really nerdy, but if you're looking

533
00:23:52,680 --> 00:23:55,400
Speaker 1: to just really compare CD rates to Posit Accounts dot com,

534
00:23:55,440 --> 00:23:58,480
Speaker 1: you can't go wrong. They're actually our sister site under

535
00:23:58,560 --> 00:24:01,479
Speaker 1: lending Tree, and they are like they have I mean,

536
00:24:01,640 --> 00:24:03,520
Speaker 1: I just got briefed on like the technology that they

537
00:24:03,640 --> 00:24:06,360
Speaker 1: use to scrape banks for their rates and they will

538
00:24:06,359 --> 00:24:10,760
Speaker 1: find rates everywhere. So anyway, that's where I'm like comparing rates.

539
00:24:10,800 --> 00:24:13,960
Speaker 1: And ally Bank has a no penalty CD. Those do

540
00:24:14,119 --> 00:24:16,879
Speaker 1: exist where okay, you put it away and you actually

541
00:24:16,880 --> 00:24:19,399
Speaker 1: won't get penalized if you take it out. They have

542
00:24:19,440 --> 00:24:21,880
Speaker 1: a no penalty I think eleven month CD, which isn't bad.

543
00:24:21,920 --> 00:24:25,760
Speaker 1: And there's there's other ones that I'm kind of looking

544
00:24:25,760 --> 00:24:27,680
Speaker 1: at I think I might. I might. I don't know

545
00:24:27,680 --> 00:24:29,520
Speaker 1: if I'm gonna do all my CDs in one place

546
00:24:29,640 --> 00:24:31,760
Speaker 1: or not. It kind of depends on I'm not sure

547
00:24:31,800 --> 00:24:35,800
Speaker 1: how how much I can tolerate managing accounts that like

548
00:24:35,840 --> 00:24:37,680
Speaker 1: a bunch of different banks right now, which seems like

549
00:24:37,720 --> 00:24:40,639
Speaker 1: a lot of work. But anyway, I'm gonna try, and

550
00:24:40,760 --> 00:24:43,280
Speaker 1: I'm gonna I'm gonna do what she says. I'm gonna

551
00:24:43,280 --> 00:24:46,000
Speaker 1: prop it up. I'm gonna I'm gonna feel better because honestly,

552
00:24:46,440 --> 00:24:48,520
Speaker 1: it's right, It's logical, Like the money you have sitting

553
00:24:48,560 --> 00:24:50,720
Speaker 1: in your savings account, even if it's earning the maximum

554
00:24:50,800 --> 00:24:51,639
Speaker 1: right now, which it's.

555
00:24:51,520 --> 00:24:56,000
Speaker 4: Still losing because inflation is eating up anything that you

556
00:24:56,080 --> 00:24:56,960
Speaker 4: might be earning.

557
00:24:57,040 --> 00:24:59,879
Speaker 3: Yeah, so I know, and you know how you know that? You?

558
00:25:00,040 --> 00:25:02,119
Speaker 3: I mean, I know that. And for those of you,

559
00:25:02,160 --> 00:25:03,960
Speaker 3: like what's inflation, Inflation is.

560
00:25:05,640 --> 00:25:08,760
Speaker 4: That the cost of money lowers each year, Like so

561
00:25:08,800 --> 00:25:10,720
Speaker 4: thanks for yourself. Like when you used to get a

562
00:25:10,760 --> 00:25:13,160
Speaker 4: bag of chips when you were a kid, and maybe

563
00:25:13,160 --> 00:25:14,960
Speaker 4: those chips cost twenty five cents, and by the time

564
00:25:14,960 --> 00:25:18,800
Speaker 4: you're an adult, those same chips, your money can do less,

565
00:25:18,880 --> 00:25:21,920
Speaker 4: those same chips cost fifty cents, and so inflation means

566
00:25:21,920 --> 00:25:25,600
Speaker 4: over time your money can do less basically, so the

567
00:25:25,640 --> 00:25:28,960
Speaker 4: same thing costs more and more money. And so that

568
00:25:29,080 --> 00:25:32,159
Speaker 4: means if you are saving and your money is growing

569
00:25:32,240 --> 00:25:35,959
Speaker 4: at one percent, but inflation, so your money is growing,

570
00:25:36,000 --> 00:25:39,080
Speaker 4: but inflation is actually lowering your money's buying power by

571
00:25:39,160 --> 00:25:42,960
Speaker 4: three percent, you're actually gaining one but losing three, so

572
00:25:43,000 --> 00:25:43,760
Speaker 4: you're losing two.

573
00:25:44,119 --> 00:25:46,560
Speaker 3: So if you do the math, so hopefully that explains it.

574
00:25:46,960 --> 00:25:51,399
Speaker 4: So my brown boose break is going to be a break.

575
00:25:53,160 --> 00:25:55,480
Speaker 4: I had something else, like something about the house, just

576
00:25:55,480 --> 00:25:57,840
Speaker 4: because I'm so over this process, but whatever, Hopefully by

577
00:25:57,880 --> 00:26:00,000
Speaker 4: next time we speak, I'll be in the house.

578
00:26:00,200 --> 00:26:01,840
Speaker 3: But I was just like whatever, So.

579
00:26:02,119 --> 00:26:05,480
Speaker 4: Instead I'm gonna brown boost from because it's happened. A

580
00:26:05,520 --> 00:26:08,120
Speaker 4: couple of clients have reached out to me to work

581
00:26:08,119 --> 00:26:10,880
Speaker 4: with me and then totally trying to undercut and I'm like,

582
00:26:12,119 --> 00:26:15,520
Speaker 4: I'm not like what, and so it's just I just

583
00:26:15,600 --> 00:26:18,840
Speaker 4: saw I just saw this like thing scroll across my timeline.

584
00:26:18,880 --> 00:26:21,879
Speaker 4: It said the hookup is a drain on black entrepreneurs.

585
00:26:22,160 --> 00:26:25,000
Speaker 4: Charge folks and they will respect you more. And so

586
00:26:25,160 --> 00:26:27,160
Speaker 4: this is not necessarily the hookup because you know, these

587
00:26:27,160 --> 00:26:29,919
Speaker 4: are like bigger companies whatever. But I just don't like

588
00:26:30,000 --> 00:26:33,960
Speaker 4: that because one, you know, I've worked really hard to

589
00:26:34,000 --> 00:26:35,879
Speaker 4: bring like clear value to the table.

590
00:26:35,920 --> 00:26:37,720
Speaker 3: I could see like when I was first starting out,

591
00:26:38,200 --> 00:26:41,040
Speaker 3: and I was like, well, you know, it's a long shot.

592
00:26:41,680 --> 00:26:45,080
Speaker 4: No, I want I over deliver, and I when I'm

593
00:26:45,119 --> 00:26:47,800
Speaker 4: showing the numbers, I'm always conservative, and even then it

594
00:26:47,880 --> 00:26:50,480
Speaker 4: always exceeds like what clients are typically looking for, and

595
00:26:50,520 --> 00:26:53,520
Speaker 4: they'll admit that like ooh, yes, girl, that's way more

596
00:26:53,560 --> 00:26:56,920
Speaker 4: than we thought. And that's still I will still undershoot

597
00:26:56,960 --> 00:26:59,359
Speaker 4: because I'd rather overdeliver. And then when you tell them

598
00:26:59,359 --> 00:27:02,600
Speaker 4: a number which is more than reasonable, more like like

599
00:27:03,240 --> 00:27:06,040
Speaker 4: it's the industry standard because I've asked around and I

600
00:27:06,080 --> 00:27:08,280
Speaker 4: know this is what colleagues are getting or whatever. That's

601
00:27:08,280 --> 00:27:10,280
Speaker 4: why I love that we have our own like financial

602
00:27:10,320 --> 00:27:11,920
Speaker 4: groups online, because people will ask.

603
00:27:11,760 --> 00:27:14,480
Speaker 3: And I'll know and then they're like, oh no.

604
00:27:14,440 --> 00:27:16,840
Speaker 4: Half that I'm like, are you kidding me? And so

605
00:27:17,040 --> 00:27:18,840
Speaker 4: that's happened a couple of times. But you know what,

606
00:27:20,400 --> 00:27:22,840
Speaker 4: this is what I realized that it's one of the

607
00:27:22,880 --> 00:27:27,439
Speaker 4: reasons why I'm so glad that my business model is

608
00:27:27,520 --> 00:27:32,400
Speaker 4: not I want to say, my mom, maybe twenty five

609
00:27:32,440 --> 00:27:36,320
Speaker 4: percent of my business model is working with clients, meaning

610
00:27:36,359 --> 00:27:38,920
Speaker 4: like companies or whatever want to work for. Everything else

611
00:27:39,000 --> 00:27:42,080
Speaker 4: for the most part is B two C, meaning like

612
00:27:42,720 --> 00:27:46,879
Speaker 4: directly to the customer. So when that happens, like lately

613
00:27:46,920 --> 00:27:49,240
Speaker 4: I've been walking away from It's not that the number

614
00:27:49,240 --> 00:27:52,239
Speaker 4: that they're giving me is not a lot of money,

615
00:27:52,320 --> 00:27:55,320
Speaker 4: because it is relative to what I used to make before,

616
00:27:55,640 --> 00:27:59,800
Speaker 4: but it's not fair compensation for the ask, especially me

617
00:28:00,119 --> 00:28:02,200
Speaker 4: knowing what the industry number is and me even knowing

618
00:28:02,200 --> 00:28:05,760
Speaker 4: sometimes what you're paying other people. So that is my

619
00:28:05,880 --> 00:28:08,840
Speaker 4: roundbreak because it's honestly, it's frustrating because I'm.

620
00:28:08,680 --> 00:28:11,439
Speaker 3: Like, really, because definitely what you made such.

621
00:28:11,280 --> 00:28:13,520
Speaker 4: As such, even though they probably not supposed to tell me,

622
00:28:13,520 --> 00:28:16,240
Speaker 4: so I'm like whatever, but still I'm still like or

623
00:28:16,440 --> 00:28:19,720
Speaker 4: like what you know, like I can deliver or I've

624
00:28:19,720 --> 00:28:23,000
Speaker 4: delivered before, and you're still trying to tell me like this.

625
00:28:23,119 --> 00:28:26,400
Speaker 4: So I've just been saying no, no, and I'd never

626
00:28:26,400 --> 00:28:28,160
Speaker 4: said no before because I'm like, oh, Tippy, that's still

627
00:28:28,200 --> 00:28:28,800
Speaker 4: good money girl.

628
00:28:28,800 --> 00:28:29,640
Speaker 3: But I'm like, you know what.

629
00:28:30,640 --> 00:28:32,560
Speaker 4: For twenty eighteen, one of the things I really want

630
00:28:32,560 --> 00:28:36,280
Speaker 4: to focus on because I learned like even when before

631
00:28:36,320 --> 00:28:38,840
Speaker 4: I started dating Superman, I remember calling a friend of

632
00:28:38,880 --> 00:28:41,640
Speaker 4: mine who was married, and she too was like an

633
00:28:41,680 --> 00:28:44,200
Speaker 4: influencer and had her own business, and she was she

634
00:28:44,640 --> 00:28:46,360
Speaker 4: was she had just had a baby, and I was

635
00:28:46,400 --> 00:28:47,040
Speaker 4: calling her and I.

636
00:28:47,000 --> 00:28:49,200
Speaker 3: Was like, I'm tired of being by myself. And she

637
00:28:49,320 --> 00:28:52,080
Speaker 3: was like, well, do you make a relationship a priority?

638
00:28:52,840 --> 00:28:53,680
Speaker 3: And I was like, what do you mean.

639
00:28:53,720 --> 00:28:55,520
Speaker 4: She's like, Tiffany, I know you go hard for your business,

640
00:28:55,680 --> 00:28:57,880
Speaker 4: but are you going hard for your love life? And

641
00:28:57,920 --> 00:28:59,600
Speaker 4: I was like, well, girl, I mean I look you

642
00:28:59,720 --> 00:29:01,480
Speaker 4: when I go out. She's like, do you go out?

643
00:29:01,520 --> 00:29:04,680
Speaker 4: I'm like, I mean no, I did not go out.

644
00:29:05,320 --> 00:29:07,440
Speaker 4: She's like, so unless you're dating a ups guy, which

645
00:29:07,480 --> 00:29:10,000
Speaker 4: there's no harm in that, Like, where are you gonna.

646
00:29:09,800 --> 00:29:10,760
Speaker 3: Find this magic person?

647
00:29:10,840 --> 00:29:13,120
Speaker 4: You have to make the thing that you want a priority,

648
00:29:13,240 --> 00:29:14,720
Speaker 4: just like you make your business a priority.

649
00:29:14,840 --> 00:29:17,560
Speaker 3: And so I did, and Voilac, Superman. We's buried now.

650
00:29:17,920 --> 00:29:20,000
Speaker 4: So all y'all know that I want a little bambino

651
00:29:20,400 --> 00:29:24,560
Speaker 4: or Bambina, And so for twenty eighteen, I told myself

652
00:29:24,920 --> 00:29:27,880
Speaker 4: that I'm gonna make that a priority. And so as

653
00:29:27,920 --> 00:29:30,680
Speaker 4: a result, I'm really learning to say no to things

654
00:29:30,720 --> 00:29:34,000
Speaker 4: that are not in alignment. Well one I've said, I

655
00:29:34,040 --> 00:29:36,800
Speaker 4: say no to things that are not emotionally in alignment

656
00:29:36,840 --> 00:29:39,760
Speaker 4: or not alignment with my values. But now I'm learning

657
00:29:39,800 --> 00:29:42,680
Speaker 4: to say things like because I'm I have to make

658
00:29:42,760 --> 00:29:46,880
Speaker 4: time for like taking care of myself, relaxing so I

659
00:29:46,920 --> 00:29:49,440
Speaker 4: can be, you know, a vessel for a beautiful baby,

660
00:29:49,480 --> 00:29:52,760
Speaker 4: a healthy vessel for a beautiful baby. So I am

661
00:29:52,800 --> 00:29:57,080
Speaker 4: not selling myself short anymore because I'm like, why you know?

662
00:29:57,360 --> 00:29:59,600
Speaker 3: And so it's just bothered me because it's happened a couple.

663
00:29:59,400 --> 00:30:01,360
Speaker 4: Of times and I'm I'm like, what the heck. So

664
00:30:01,400 --> 00:30:03,480
Speaker 4: I'm just like, no, girl, kick rocks and if they

665
00:30:03,560 --> 00:30:05,600
Speaker 4: come back, they do, if they don't. The good thing

666
00:30:05,600 --> 00:30:07,720
Speaker 4: about like I said, the way my company is set

667
00:30:07,800 --> 00:30:11,080
Speaker 4: up is most of my income comes from treating the

668
00:30:11,200 --> 00:30:13,000
Speaker 4: DreamCatcher as well. And as long as I do that,

669
00:30:13,040 --> 00:30:16,400
Speaker 4: I'll never be broke. So yeah, so it's just but

670
00:30:16,440 --> 00:30:17,800
Speaker 4: it's just and.

671
00:30:17,760 --> 00:30:19,040
Speaker 1: There's nothing wrong with that either.

672
00:30:19,640 --> 00:30:21,560
Speaker 2: Yeah, it's honestly the only way to do.

673
00:30:21,880 --> 00:30:24,520
Speaker 1: You just can't focus on everything one hundred percent.

674
00:30:24,720 --> 00:30:25,240
Speaker 3: Exactly.

675
00:30:25,320 --> 00:30:26,560
Speaker 2: Did this episode feel.

676
00:30:26,320 --> 00:30:28,640
Speaker 1: Different to you?

677
00:30:28,720 --> 00:30:29,960
Speaker 3: What in a bad way and a good one and

678
00:30:30,040 --> 00:30:30,520
Speaker 3: a good way?

679
00:30:30,600 --> 00:30:34,400
Speaker 1: Do you realize this is a one hundredth episode. Oh

680
00:30:34,480 --> 00:30:39,720
Speaker 1: my god, I remember it, and then I forgot well

681
00:30:39,600 --> 00:30:41,520
Speaker 1: you mentioned I meant to mention at the beginning of

682
00:30:41,520 --> 00:30:43,400
Speaker 1: the show. We're just an old married couple, now old

683
00:30:43,400 --> 00:30:46,520
Speaker 1: married podcast couple. Forgetting our wow one hundred half of

684
00:30:47,000 --> 00:30:48,680
Speaker 1: one hundred episode Ofversary.

685
00:30:49,080 --> 00:30:51,240
Speaker 4: I can't remember what I personed that you, Maddy. Weren't

686
00:30:51,240 --> 00:30:52,800
Speaker 4: you working at I don't think we just spoke on

687
00:30:52,840 --> 00:30:53,120
Speaker 4: the phone.

688
00:30:53,160 --> 00:30:53,800
Speaker 3: You're working at.

689
00:30:55,600 --> 00:30:57,320
Speaker 4: Yes, and you did an interview, and I remember I

690
00:30:57,360 --> 00:30:59,560
Speaker 4: was so excited, like, oh my god, I'm famous.

691
00:30:59,200 --> 00:31:02,760
Speaker 1: Now, and then we were and everything happened for you.

692
00:31:03,120 --> 00:31:05,200
Speaker 3: Right, I was not famous then I was just like

693
00:31:05,280 --> 00:31:08,480
Speaker 3: what okay? And then you I met you at Think

694
00:31:08,520 --> 00:31:08,880
Speaker 3: and I was.

695
00:31:08,800 --> 00:31:11,280
Speaker 4: Like, wow, I like her in real life. And we

696
00:31:11,320 --> 00:31:13,320
Speaker 4: took like a long walk like it was like, yo,

697
00:31:13,480 --> 00:31:16,120
Speaker 4: we really corded, we really recording. Remember, we were like,

698
00:31:16,160 --> 00:31:18,960
Speaker 4: you know what, let's get the the finn contestivities.

699
00:31:19,000 --> 00:31:20,840
Speaker 3: Let's just take a long walk on the buyou.

700
00:31:22,600 --> 00:31:24,680
Speaker 4: And I think you were talking to me about husband

701
00:31:24,720 --> 00:31:27,000
Speaker 4: at the time, but he wasn't husband and my superman

702
00:31:27,040 --> 00:31:27,320
Speaker 4: at the time.

703
00:31:27,360 --> 00:31:29,920
Speaker 3: If he wasn't my husband, yo, look how far we've come, We've.

704
00:31:29,720 --> 00:31:41,840
Speaker 4: Gotten married, Maddy has gone natural. Oh my goodness, there's

705
00:31:41,880 --> 00:31:43,040
Speaker 4: somebody right.

706
00:31:43,160 --> 00:31:45,680
Speaker 3: I started a new business. You started a new job.

707
00:31:45,760 --> 00:31:47,320
Speaker 3: I mean, so many things have happened.

708
00:31:47,400 --> 00:31:53,560
Speaker 4: I'm pregnant, just kidding, I right, hopefully you know next podcast.

709
00:31:53,920 --> 00:31:57,200
Speaker 3: But yeah, that's awesome. Thank you guys for listening our

710
00:31:57,280 --> 00:31:58,240
Speaker 3: hundredth episode.

711
00:31:58,720 --> 00:32:02,360
Speaker 1: Thank you for wanting a hundred episodes because I remember

712
00:32:02,520 --> 00:32:04,720
Speaker 1: not even knowing if this was a good idea. I

713
00:32:05,000 --> 00:32:07,560
Speaker 1: knew I really wanted to do it, and y'ah who

714
00:32:07,560 --> 00:32:10,200
Speaker 1: told me no? And I was like, I'm a dude anyway,

715
00:32:10,640 --> 00:32:14,640
Speaker 1: and I was gonna help. Okay, okay, Oh what a

716
00:32:14,680 --> 00:32:17,240
Speaker 1: fun walk down memory lane. We hope you guys enjoyed

717
00:32:17,240 --> 00:32:21,600
Speaker 1: this episode of the Throwback b A. Make sure to

718
00:32:21,680 --> 00:32:26,080
Speaker 1: check out Brown Ambition every week three times a week Monday, Wednesday,

719
00:32:26,160 --> 00:32:30,160
Speaker 1: and Friday for more great career and financial advice. Until

720
00:32:30,200 --> 00:32:32,920
Speaker 1: next time, Bye,