Speaker 1: Hey, hey, hey, oh we're back. We're black, We're brown ambition.
Speaker 1: I don't know what happens to the high know, hey, mandra.
Speaker 2: It's the humidity. It's gotta be.
Speaker 1: Not that I've had, I know, but it's extra gone today.
Speaker 2: I know. Well, I was just scribbling down. I wanted
Speaker 2: to mention I'm one of those people who only cares
Speaker 2: about astrology when has something good to say about me
Speaker 2: and my prospects for the future. But not only is
Speaker 2: it it's Leo season, but I read that the new
Speaker 2: moon is in Leo. Okay, don't ask you what that means,
Speaker 2: but the new moon is like a certain it's whatever.
Speaker 2: The moon is doing some stuff, and Leo likes it.
Speaker 2: And it's a great time for like business and financial planning,
Speaker 2: and we're all supposed to be like in a more
Speaker 2: fruitful kind of I don't know, energy to have new
Speaker 2: business ideas or money ideas or career stuff. So you, guys,
Speaker 2: if you're feeling like you want to make a big
Speaker 2: money decision or a big money bet like today, I
Speaker 2: mean this month, it might be the month for you.
Speaker 2: I'm just saying.
Speaker 1: But I didn't win the lottery though, that one billion dollars?
Speaker 1: Did you play? I played?
Speaker 2: Did you know? I feel like you're either I'm either
Speaker 2: going to play all the time or I'm never going
Speaker 2: to play. And I just decided a while back, I
Speaker 2: guess because growing up as a kid, like when my
Speaker 2: dad would open up the car door, lottery tickets would
Speaker 2: just fall out because they would just be stuffed into
Speaker 2: the you know, the little cubby there, and it just
Speaker 2: never No, I have never played.
Speaker 1: Only I only play when it reaches something astronoc because
Speaker 1: I don't pay attention. So this is like the second time,
Speaker 1: maybe I played second or third time when because like
Speaker 1: I remember before when it reached like a billion, and
Speaker 1: I was like, oh so it it grabbed my attention.
Speaker 1: I said, you know what, I do it because it's
Speaker 1: it's at a billion. That's a cute little number. And
Speaker 1: so I put twenty dollars on it. Obviously I didn't win,
Speaker 1: but they won in Illinois, where my sister lives. So
Speaker 1: we called her. We were like, tell us she won,
Speaker 1: and she was like no. But it was like at
Speaker 1: a corner store next to where she used to live
Speaker 1: that sold the winning ticket. I was like, oh, dang,
Speaker 1: this close to being a billion.
Speaker 2: Shut up twenty six.
Speaker 1: It wasn't.
Speaker 2: I thought it was just that one well one one
Speaker 2: winner won like a billion dollars one point three three
Speaker 2: seven billion dollars and we'll probably never find out who
Speaker 2: it was. If you won, I feel like, wouldn't you
Speaker 2: be anonymous girl illing on BALI?
Speaker 1: I'd be like, hello, I mean, Bollie, don't tell anywhere, right,
Speaker 1: I'm saying Bali, I'm saying, but secretly i'd be in
Speaker 1: Mexico Lion talking about I'm in BALI like, yeah.
Speaker 2: Witness protection for billionaires.
Speaker 1: So I well, I mean I would just leave just
Speaker 1: so people can't, you know, try to like squeeze me
Speaker 1: through some So yeah. I The first person I would call,
Speaker 1: honestly is my financial advisor. Because I'm such a nerd.
Speaker 1: I'd be like, wait, I would set aside some fun money,
Speaker 1: like maybe half a million, you know, just a little something.
Speaker 2: I guess. The first question is lump sum or annuity.
Speaker 1: If I was a begder thirty, I would do annuity
Speaker 1: over thirty lump sum, baby, because it's like it's a
Speaker 1: twenty year page through. Yeah I did. I was like,
Speaker 1: you know, what if I get this money, I'm like,
Speaker 1: because I'm like, I'm forty two now, so twenty years,
Speaker 1: I'm like, eh, you know, I'm responsible, So I'll give
Speaker 1: you my money. Now, I think that's like six or
Speaker 1: seven hundred million. That's what I think the lump sum is.
Speaker 1: Then it doesn't include taxes, which are like at least
Speaker 1: half that, so you're looking at maybe like two hundred
Speaker 1: three hundred million dollars, which is plenty, but annuity. If
Speaker 1: I was under twenty or under thirty, I would do
Speaker 1: annuity because I don't know I'd had all my sense yet,
Speaker 1: so I'd be like, I messed up the year one, okay, okay.
Speaker 1: Oh near two, okay, you're too I messed up okay, okay,
Speaker 1: But year five I got it. And so that way,
Speaker 1: every year I have a chance to, like, you know,
Speaker 1: to make it right. So that's what I would do.
Speaker 1: What about you, I think I would.
Speaker 2: Just take the lump sum because I'd be afraid someone
Speaker 2: would just someone would miss up some paperwork or someone
Speaker 2: would die, and then like seven years down the line,
Speaker 2: no more millions. You know. I don't know. And my
Speaker 2: husband did ask me. We were on like a little
Speaker 2: road trip this weekend, and one of the random questions
Speaker 2: that you asked. He was like, you know, how would
Speaker 2: our life change if we had a billion dollars? I
Speaker 2: couldn't think of. I was like, life's pretty good. I
Speaker 2: guess we'd like get a bigger house. You'd probably have
Speaker 2: a few Tesla's in the driveway. I don't know, like
Speaker 2: but I don't know. I I it's almost that amount
Speaker 2: of money. I would, I would, I would want advisement.
Speaker 2: You remember Amazon Jeff Bezos's ex wife, Mackenzie. I feel
Speaker 2: like her approach was she seemed to have taken her time,
Speaker 2: but then very quickly started just like setting up trusts
Speaker 2: and giving money away and finding out a way to
Speaker 2: put that money to good use because it would feel
Speaker 2: like unearned and I would want to give it, give
Speaker 2: it away, you know, some of it, and I would
Speaker 2: do that. Yeah, I'd still be able to take care
Speaker 2: of a few generation of woodroff Santoisis. I feel like,
Speaker 2: and then I still want to turn around and do
Speaker 2: something good with that money, because it's so so any
Speaker 2: It could have been anyone, you know what I mean, like.
Speaker 1: Anyway whoever, and really just being like a school teacher
Speaker 1: or whatever and being like, let me just check. I
Speaker 1: don't even know. I would just be shaking, I disbelief.
Speaker 2: I probably would have lost a lot of ticket to
Speaker 2: be fair, and.
Speaker 1: I know, Lord knows, i'd be like it would have
Speaker 1: been in the laundry. I'd been, wait, where's my ticket?
Speaker 2: Where's my ticket?
Speaker 1: So I don't even know how to play it. I
Speaker 1: just to go how exactly.
Speaker 2: Oh.
Speaker 1: I hate when people give me gift cards. I'm like, oh,
Speaker 1: so you really just don't want me to have anything good.
Speaker 2: You just want to give that money to the company.
Speaker 2: And I'm never going to use it.
Speaker 1: I'm never going to use it. I never I was
Speaker 1: proud of myself. I was at Target this weekend and
Speaker 1: by some miracle chance, I said, wait, I had like
Speaker 1: four Target gift cards and.
Speaker 2: It made five dollar ones.
Speaker 1: Oh my gosh, and well just also to like return
Speaker 1: ones and and so like I was whatever I was buying,
Speaker 1: it was like five dollars by the time I was done,
Speaker 1: because you know, I was not spending five dollars at Target. Oh.
Speaker 1: But I was so proud of myself. I said, tifay,
Speaker 1: this has been years in the making. This is like
Speaker 1: years in the making. You've got a work card. Yeah.
Speaker 1: I felt so good. I was it went from like
Speaker 1: sixty four dollars to like four ninety nine. I was like,
Speaker 1: look at me winning my life.
Speaker 2: I could live off that high for like a month.
Speaker 2: This morning I needed to get a toothbrush, and do
Speaker 2: you know what I did do? And I'm very proud
Speaker 2: of myself. This is how Target gets me. And I
Speaker 2: think you mentioned it actually during our oh yeah shout
Speaker 2: out to our YouTube live for last last Thursday Recession Day.
Speaker 2: You guys can catch that episode. It aired on Friday. Anyway,
Speaker 2: I remembered like at Target, they suck you win with
Speaker 2: the low prices, right. I need a new toothbrush because
Speaker 2: I lost mine in camping whatever. And I was like, oh,
Speaker 2: be cheaper a Target. But there is no way in
Speaker 2: Haities I would go into a Target for one toothbrush
Speaker 2: and not walk out with seventy eleven home goods and
Speaker 2: clothes for Rio, a club dog toy for Mollie, and
Speaker 2: whatever they have in the clear insection. So I went
Speaker 2: to CBS and I spent way too much on a
Speaker 2: damn four pack of toothbrushes. And I feel like by spending, yeah,
Speaker 2: by spending more, by just going to CBS where there's
Speaker 2: so many fewer distractions, I save so much money, and
Speaker 2: I'm like, is this it is this the key to
Speaker 2: me to maintaining my shopping budget in an inflation deemic.
Speaker 1: I don't know, I know, I know because apparently we're
Speaker 1: not in there. Like I said in my Live, I
Speaker 1: was like, it's not a recession, but look a recession. E.
Speaker 2: We did have some good news on Friday for you
Speaker 2: guys who have been We've been trying to tell y'all,
Speaker 2: don't check your retirement accounts, don't check your your investments.
Speaker 2: I have not taken my own advice, and every once
Speaker 2: in a while, because I'm a masochist, I would go
Speaker 2: and check mine and see just how much money I've lost.
Speaker 2: But on Friday, all of the major indices, so the Dow,
Speaker 2: the S and P, the Nasdaq, they all were up
Speaker 2: and the S and P had its best month of
Speaker 2: twenty twenty two. It was up nine point one percent.
Speaker 2: So just goes to show y'all these cycles are going
Speaker 2: to happen. It ain't gonna be the last time we'll
Speaker 2: have a downturn. But that coupled with the fact that
Speaker 2: they're still strong demand for workers. I mean, it's just
Speaker 2: such an interesting like economics stew right now. But it's
Speaker 2: not all it's not all bad at all. There's there's
Speaker 2: some stuff to be happy.
Speaker 1: About, speaking about like workers. I was at what was
Speaker 1: I at Marshall's. I was in Marshall's and Clark and
Speaker 1: I ran. I was going to the jusson one. I
Speaker 1: was like, I saw this woman. I was like, I
Speaker 1: know your face. She's kind of your face too, And
Speaker 1: I was like, where are you from? And so we
Speaker 1: were like kind of go back and forth, you know,
Speaker 1: do that, like where'd you go to school? What about this?
Speaker 1: What about this? And then I was like, what do you work?
Speaker 1: And she's like, oh, I'm a principal at this school
Speaker 1: in Belleville. And I was like, that's where I know
Speaker 1: you from. I went to my Amelia shout to you
Speaker 1: me Me. That's my Mini Me twin, my sassy Mini
Speaker 1: Me twin. She was in kindergarten last year and they
Speaker 1: had like a summer concert where it was outside, like
Speaker 1: on the blacktop, and all the parents came. And I
Speaker 1: remembered her because she was such an engaged educator, Like
Speaker 1: you know, I didn't know she was a principal at
Speaker 1: the time, but she was like so loving to the
Speaker 1: students and like she just seemed awesome. And I remembered
Speaker 1: her from that and she was like, oh, I was like, oh,
Speaker 1: you know, you know I used to be a teacher.
Speaker 1: She's like, a you're looking for a job. And I
Speaker 1: was like, I thought she was joking. She's like, no,
Speaker 1: we're losing teachers like hotcakes. Honestly. She's like, if you
Speaker 1: every want a return, she said, Tiffany can't. We can't
Speaker 1: keep teachers if you're looking for a job. And I
Speaker 1: just thought, wow, like it's a little scary because I
Speaker 1: don't know if you saw. There was an article that
Speaker 1: I read like two or three days ago that a
Speaker 1: teacher in Ohio quit his job after he went to
Speaker 1: school for five years, got his degree, had his master's,
Speaker 1: was making forty three thousand dollars a year. Quit that
Speaker 1: job too, work at Walmart as a manager where he
Speaker 1: did not need a degree, and he's making fifty three thousand.
Speaker 1: So he quit over fifty three or fifty five. He's
Speaker 1: making twelve thousand more dollars a year as a as
Speaker 1: a manager at Walmart. And he's like, I actually loved
Speaker 1: teaching and wanted to teach and to be here for
Speaker 1: the kids, but I can't afford to live at that level.
Speaker 1: And so it's just like, what's going to happen, Like
Speaker 1: if we don't pay teachers more, we don't create a
Speaker 1: better environment. This is not like packing boxes, like teachers
Speaker 1: are essential workers. And so it was a little scary
Speaker 1: that she was literally like, you want a job and
Speaker 1: met the fact that this young man who's only twenty
Speaker 1: eight years old, you know, had to quit like his
Speaker 1: dream job because it wasn't enough to sustain himself.
Speaker 2: I was just at I work with I work, I
Speaker 2: live in a neighborhood. But there's this a little group
Speaker 2: of moms and several of them are teachers. And to
Speaker 2: hear them, I didn't realize how many teaching jobs require
Speaker 2: a master's or like an advanced degree. That to me,
Speaker 2: I'm like, I mean, I understand it, but the pay
Speaker 2: the math does not math. And you're so right, I mean,
Speaker 2: and it's it's this generation of would be teachers that
Speaker 2: I worry about, like gen z, who are trying to
Speaker 2: decide their own career paths. How why would you tell
Speaker 2: them to go into teaching other than like for the
Speaker 2: pe or love of it, you know, because the pay
Speaker 2: and this, like New York Times front page this weekend
Speaker 2: was like teachers are strapped now, teachers prepared for elementary
Speaker 2: school trying to carry weapons into school for their own safety.
Speaker 2: You know, I don't know what we're gonna do, but
Speaker 2: I do feel like there has to be some sort
Speaker 2: of inflection point. And it's all state, right, It's like
Speaker 2: what states decide to pay their teachers. It's all at
Speaker 2: the state level.
Speaker 1: So I need sairly because there's definitely like district by
Speaker 1: district can decide. Like I remember at one point, Westfield
Speaker 1: where I grew up, was paying like forty and Newark
Speaker 1: was paying fifty five thousand. So it's not I think
Speaker 1: that there's a basic framework at the state provides, but
Speaker 1: the districts can make have the final say.
Speaker 2: Right because like property taxes, all fee into how much
Speaker 2: you can pay in the lower income places get the
Speaker 2: least resources. All of that. Yeah, well to those educators
Speaker 2: who are still hanging in there, thank you so so much.
Speaker 2: I didn't even mind that they raised the fee at
Speaker 2: daycare this past month. I felt some type of way
Speaker 2: about it, but I was like, go and give me
Speaker 2: Shelley a raise.
Speaker 1: For real. It's hard. Honestly, people don't realize, like it
Speaker 1: is so difficult to teach because it's not a profession
Speaker 1: that you can kind of leave your heart at home.
Speaker 1: So it just weighs so like it's weighs on you personally, professionally, emotionally,
Speaker 1: like honestly, like a good teacher actually loves her kids,
Speaker 1: like you know, especially if you're teaching the little ones,
Speaker 1: Like you drop your three year old, that's our three
Speaker 1: year old, just so you know, like that's my baby too,
Speaker 1: Like I love your kid, you know, like I pray
Speaker 1: for your kid, I buy things for your kid. I
Speaker 1: think about them when I'm at home, and like, you know,
Speaker 1: I wonder why Riyo, you know, seems sad today? Is
Speaker 1: he okay?
Speaker 2: You know?
Speaker 1: I want to talk to Mandy when she comes in
Speaker 1: to make sure, like that's how like you know, like
Speaker 1: teachers who are really invested how they navigate, So it
Speaker 1: weighs heavily, Like when kids are not okay, we're not
Speaker 1: okay either, you know. We worry about your kids. So
Speaker 1: like that's not your guess our kid, you know, And
Speaker 1: that's what you're wanting from a really good teacher, someone
Speaker 1: that like loves your kid is invested in your kid,
Speaker 1: and then because they're gonna notice things maybe that you
Speaker 1: might not have noticed. And you know, nothing like helps
Speaker 1: to advance a baby further like love and like a
Speaker 1: loving environment, you know. And so yeah, so just really
Speaker 1: really really shout out to the teachers out there, because
Speaker 1: I just know how hard the job is. If you're
Speaker 1: at least teaching you little ones, at least you get
Speaker 1: that love back instantly, because you know, the babies love
Speaker 1: you right back. So like, you know, Monday Simillion, she
Speaker 1: don't tell me she loves me, but meanwhile Miss Natalie
Speaker 1: gets cards talking about I love you so so so
Speaker 1: so so so so much. I was like me with
Speaker 1: so much right, I was like, where's mine? She looks
Speaker 1: at me, like, girl, you're sweating me. This is miss Natale.
Speaker 2: The day that my child says they love their teachers.
Speaker 1: Wow, I'll say, wow, Okay, but no, we love miss
Speaker 1: Natalie because you know that means that that speaks volumes
Speaker 1: that she's writing you like a note saying that that
Speaker 1: that she feels loved in that environment, and so she's
Speaker 1: sending that love back. So just shout out to the
Speaker 1: It's a really awesome teacher teacher the Principles.
Speaker 2: But I hope their teachers didn't download the new Beyonce
Speaker 2: album over the weekend because they were destructing out of
Speaker 2: that school parking lot.
Speaker 1: Somewhere else they had sat it again.
Speaker 2: I uh yeah, I told myself I was gonna wait
Speaker 2: until we were taking a little road trip.
Speaker 1: We went to the.
Speaker 2: Catskills for our annual glamping trip. But I forced my
Speaker 2: husband to go on. He loves it, and uh, I
Speaker 2: couldn't listen to the album with him because he's like
Speaker 2: not interested in Beyonce. And I was like, I just
Speaker 2: can't share this with you. So I put in my
Speaker 2: airpod's pro with that noise canceling feature. I couldn't hear
Speaker 2: a thing except for the except for the music. But
Speaker 2: then I felt like a dummy because it is so
Speaker 2: meant to be dancing in the club. It is not
Speaker 2: meant to be sitting in a car ignoring your spouse
Speaker 2: and child. It's uh, it's because I'm taking money.
Speaker 1: I know, all right, I'm like, where's the concert? Like
Speaker 1: just just tell me. Like I'm trying to live more fully,
Speaker 1: like live well, now that's like my new tagline for myself,
Speaker 1: my personal self live well now, and so did I
Speaker 1: tell you that? Because so we all want to visit.
Speaker 1: I was paid by financial institution to fly out to
Speaker 1: Chicago to speak and I did. But my sister Karen
Speaker 1: lives right outside Chicago, so the rest of us I
Speaker 1: was like, let's all go. Unfortunately, Tracy couldn't go because
Speaker 1: you got COVID last minute. So it was me, Carol, Lisa,
Speaker 1: the kids, Karen and her daughter and her husband. It
Speaker 1: was awesome to visit them, but I was like, we
Speaker 1: never got our full on sister like hangout and we
Speaker 1: have not done like a sister trip in like since
Speaker 1: my college, I feel like. And so I was like,
Speaker 1: I was talking to my sister Carol about it. She's like,
Speaker 1: we should do something, and especially when the summer's out,
Speaker 1: that way the kids can be like maybe sat by
Speaker 1: like grandparents and stuff. And so we decided we are
Speaker 1: going to see Usher at his residency in Las Vegas.
Speaker 1: I am oh so excited. I know. So I got
Speaker 1: the tickets taking applications for so like I got us
Speaker 1: the tickets. My friend Cabral gets like free like hotel
Speaker 1: rooms or whatever, because of course he does, because he's Cabral.
Speaker 1: That's just him and so he got us like some
Speaker 1: hotel rooms. I just got to get our flights. But
Speaker 1: it is going to be at time I cannot so
Speaker 1: this week, I want I tell you, Yeah, so it's in.
Speaker 1: I want to say the end of August. We're going
Speaker 1: on like a Wednesday.
Speaker 2: So what is so freaking amazing?
Speaker 1: Oh my gosh. So because I've heard such good thing.
Speaker 1: Have you seen the tiny desk as tiny desk? Ah?
Speaker 2: Yes, I watched Usher's tiny desk in his I mean wat.
Speaker 2: I know I tried to do try to do an
Speaker 2: Instagram reel with that, and I felt so dumb. So anyway,
Speaker 2: shout out to Usher. He still got it. I have
Speaker 2: seen like the Usher versus justin Timberlake, or like Twitter controversy.
Speaker 2: They're not actually doing a versus, but I think it
Speaker 2: was like Twitter, you know, black Twitter, trying to see
Speaker 2: who would who would outshine. I'm team Usher.
Speaker 1: I'm team Usher too.
Speaker 2: Im.
Speaker 1: Don't get me wrong. You know JT, that's you know,
Speaker 1: his music is cool. But Usher has been well. Also
Speaker 1: has JT. I was gonna say since he was a kid.
Speaker 1: But I'm excited because I feel like there's an eleven
Speaker 1: year age gap from the oldest to the youngest of
Speaker 1: my sisters. And I feel like Usher is an artist
Speaker 1: that like, despite that age gap, we can all be
Speaker 1: like you LEARNI no like these Ah my goodness is
Speaker 1: like you know, I mean, honestly, I'm so excited because
Speaker 1: we haven't done this. We're gonna have like a sleepover
Speaker 1: in the in the hotel rooms and you know, and
Speaker 1: I'm gonna I want us to go like none of
Speaker 1: us have been. Well, Tracy's been to Vegas and I've been,
Speaker 1: but I went for a conference, so I didn't get
Speaker 1: to go outside and see, like, you know, all that
Speaker 1: what is all Vegas? So I'm gonna plan for us
Speaker 1: to go like one of those hop on, hop off
Speaker 1: tours so we could just like you know, absorb whatever
Speaker 1: the strip looks like. And so we're just gonna have
Speaker 1: such a fun I'm excited, excited, excited.
Speaker 2: Oh that sounds amazing. I'm glad you guys are doing that.
Speaker 2: That's so sweet. Yeah. I haven't really taken vacation, but
Speaker 2: I did make time to go to see my sister
Speaker 2: and my brother in Saint Louis. They had to deal
Speaker 2: with my cranky butt, but you know, family is so important.
Speaker 2: You got to take that time and to do it
Speaker 2: with your sisters, no.
Speaker 1: Kids, no kids. Although I'm not gonna lie. My sister
Speaker 1: Carol was nervous because she did like a test run
Speaker 1: with the grandparents and so she was like, you know,
Speaker 1: we'll sleep over tonight, and she said she just She's like, okay,
Speaker 1: you guys watch them. I'll be downstairs doing work and
Speaker 1: she hears all this running up is down the stairs.
Speaker 1: She asked the kids, She's like, what are you guys doing.
Speaker 1: They're like playing, like where's grandma and grandpa? They said,
Speaker 1: taking a nap.
Speaker 2: She was like, wait, oh no.
Speaker 1: Mommy, you cannot sleep with the kids to here. But
Speaker 1: it was like you were here. She says like yes,
Speaker 1: but you supposed to pretend like I'm not here.
Speaker 2: Yeah, that's the thing. She can't be there. They're never
Speaker 2: going to do a good job unless you remove yourself
Speaker 2: out in the situation.
Speaker 1: Told Roman, she said, if this happens when mommy's not here,
Speaker 1: call me on FaceTime. And he's like, do not like
Speaker 1: Amelia go outside, because see Roman is like Chucky. It's
Speaker 1: not such a good idea from from rug Rats. He
Speaker 1: is very responsible.
Speaker 2: Create like serial killer Trunk she's.
Speaker 1: Like no, no, meaning like you know. So she's like
Speaker 1: Roman is like no, but Amelia is like they're asleep.
Speaker 1: Let's go all okay, yes, She's like, matter of fact,
Speaker 1: let's walk to the park because my parents their backyard
Speaker 1: backs into like this big, huge park and let's pet
Speaker 1: every dog along the way and chase squirrels. Like a
Speaker 1: million would be outside rolling in the dirt if you
Speaker 1: let her. So she was like, if that ever happens,
Speaker 1: you and Amelia, you stay inside and you call me
Speaker 1: on FaceTime. And so they're gonna do another test run.
Speaker 1: And there's because we're going to my sister Tracy, Carol
Speaker 1: and I are going to invest Fest this weekend. Woo woo.
Speaker 1: If you guys are not familiar, I'm one of our
Speaker 1: you know me and Mandy's a uh faith podcast Earn
Speaker 1: your Leisure. They're having like their conference called invest Fest,
Speaker 1: and so I'm speaking at invest Best and I'm bringing
Speaker 1: Tracy and Carol along. So they're gonna do a really
Speaker 1: good test runt because Lisa the baby is going to
Speaker 1: be checking in and making, you know, kind of being there.
Speaker 1: So my parents get a chance to like have a
Speaker 1: real test on without her there. But with Lisa as
Speaker 1: the supervisor. Can imagine that like Lisa has to supervise
Speaker 1: my parents, the baby or the family is supervisor my parents.
Speaker 2: I mean, it sounds like she just needs to like
Speaker 2: not tell them that she's there, but just have the
Speaker 2: mother surveillance.
Speaker 1: Yeah, so you know we're gonna we all see because
Speaker 1: she's like, I have other trips I need to take
Speaker 1: and I need you guys to get it together. We
Speaker 1: never because they never really watch the kids. They I mean,
Speaker 1: we always go visit, but they never have the kids
Speaker 1: like by themselves. So we've been seeing.
Speaker 2: Her relying on your parents when they tell you have
Speaker 2: the kid, will help take care of them. Don't trust it.
Speaker 2: Start saving for babysitters and professionals very quickly. Parents age,
Speaker 2: they're tired. It's not the same anymore, you know, Like I.
Speaker 1: My dad looks like I didn't realize kids have so
Speaker 1: much energy. I know it. I was like, you forgot, Daddy,
Speaker 1: Like it's like it's been a long time. I was like, yeah,
Speaker 1: it has been a long time.
Speaker 2: Lower and lord, well that's cool about it. Investmest So
Speaker 2: what's that all about.
Speaker 1: So it is although like it has invested in the
Speaker 1: name it's really a conference. It's a financial education conference. Oh,
Speaker 1: which I love. It's like the foil to the the
Speaker 1: other conference that we no longer speak about mm hm.
Speaker 2: And so the main the one that I'm going to
Speaker 2: in September.
Speaker 1: You're gonna go. I have a little brid there, tiff No, No, no,
Speaker 1: I'm not. I don't think it's bad that you go
Speaker 1: to invest Fest. I'm saying, are you. I would be
Speaker 1: scared to go personally because I feel like I'd be attacked.
Speaker 1: But no, I'm like, you're gonna go without the theater.
Speaker 1: Not not because I think that you shouldn't go. I
Speaker 1: think that you should go. I'm just like, ooh cha,
Speaker 1: I feel like I would be tossed out by my
Speaker 1: like by my neck.
Speaker 2: Well yeah, yeah, yeah yeah, with all that stuff. With yes,
Speaker 2: all that past history. You guys can go check out
Speaker 2: some past episodes of Brown Ambition for all that tea.
Speaker 2: But no, I don't think. I don't think anyone remembers me.
Speaker 2: It's been so long. So I'm just gonna go and
Speaker 2: be in the crowd and.
Speaker 1: Yeah, tell them, tell them, you know, the people that
Speaker 1: still like me. That Tiffany says from a safe because honestly,
Speaker 1: I do what my favorite part of that combat was
Speaker 1: honestly was that, like, honestly that there's so many amazing people,
Speaker 1: Like that's what's so awesome.
Speaker 2: Party that conference.
Speaker 1: Yeah, yeah, the parties are really good too. So investments.
Speaker 1: It's happening the fifth, sixth, and seventh, and it is big.
Speaker 1: I mean, honestly, it's gonna be awesome. Like they have
Speaker 1: a VIP name with t Paine. I think he's a
Speaker 1: musical guest. Steve Harvey is speaking on Saturday, Tyler Perry
Speaker 1: speaking on Sunday. I'm speaking on Saturday morning. So it
Speaker 1: thin that be a good time, Okay, Charlamagne the God
Speaker 1: is speaking. Yeah, just so many amazing, amazing, amazing t
Speaker 1: I Okay, dj Envy Dame Day. Okay, It's just gonna
Speaker 1: be like awesome time. And so it's not just about investing.
Speaker 1: It's yeah, personal finance, specifically for black and brown folks.
Speaker 1: And you know, I feel like, you know, a large
Speaker 1: part of their audience are black and brown men, which
Speaker 1: I love to see. We love to see it. So
Speaker 1: shout out to the ear Ner Loser Guide, Rashad and
Speaker 1: Troy and yeah, you know, I will report back how
Speaker 1: awesome invest.
Speaker 2: Best was where's it gonna be? Atlanta?
Speaker 1: Atlanta? The at al shorty, Well how fun?
Speaker 2: Say hello? I must today I will all right, Well
Speaker 2: should you're taking a little break, Well, let's not really
Speaker 2: a break, that's a working break. But uh, let's take
Speaker 2: a little break and be right back with y'all's brown
Speaker 2: boost brown.
Speaker 1: Break indeed, Booster up, break up, booster boost. I wish
Speaker 1: see if you guys watched us on YouTube, you can
Speaker 1: see how we jam during these times. You know what
Speaker 1: I mean that me and Manny be like, okay, snaked out.
Speaker 2: Snaked at it again, work like I was jamming because
Speaker 2: I was trying to close some tabs.
Speaker 1: A little shoulder pop. So it's boosty breaking time. You know,
Speaker 1: I have not been breaking a lot lately, and I'm
Speaker 1: not finn to start up. I'm gonna boost this week.
Speaker 1: I'm going to boost. Then I am going to be
Speaker 1: like joining TikTok more officially. And here's why, because I
Speaker 1: am I wasn't gonna really dooin TikTok. So I'm like, girl,
Speaker 1: I'm tied. But then I realized that it's going to
Speaker 1: be a really great tool for me and my bonus
Speaker 1: baby Alyssa my bonus daughter to connect. You know, Like
Speaker 1: we were talking the other day and she was like,
Speaker 1: I really want to make some Yes, I really want
Speaker 1: to make some money. And I was like I had
Speaker 1: thought about it before, and I was like, you know what,
Speaker 1: I said, well, I need a TikTok manager. She was
Speaker 1: like I'm listening, and I said, you know, we if
Speaker 1: we could create tiktoks. But I was like, you would
Speaker 1: have to do everything. You'd have to be the direct
Speaker 1: You'd have to I would tell you the subject matter.
Speaker 1: I want you to do the research on it. You'd
Speaker 1: have to do the caption, the sound, everything. And she
Speaker 1: was like, girls, say, let's Alyssa's been on TikTok before.
Speaker 1: It was called TikTok and it was called musically and
Speaker 1: it was just like a musical platform. Since she was
Speaker 1: like eight, Okay, she has been born for this time.
Speaker 1: I don't know anybody is more perfect to be a
Speaker 1: TikTok manager than a sixteen year old girl, okay. And
Speaker 1: so she was just like I was. I told her
Speaker 1: like I sent her to all these different pages. I
Speaker 1: was like, check out, man, these pages, like, okay, it's cute.
Speaker 1: I just sent her to tories page. I sent her
Speaker 1: other financial pages and non financial pages to kind of
Speaker 1: get a gauge, like I'm like, I'm not going to
Speaker 1: be dancing on here girl, Like it's financial education, but
Speaker 1: you know, because I'm not my two steps. You know,
Speaker 1: it's cute for little shoulder pop, but I'm not really
Speaker 1: like a I want to hit it, you know what
Speaker 1: I mean, Like, you know, y'all don't want to.
Speaker 2: See that, and so whatever feels right. One of the
Speaker 2: documents decided, do you want to do a dance? So
Speaker 2: just do the dance.
Speaker 1: I don't know because I'm like, I think people don't
Speaker 1: realize how little I don't have this much rhythm as
Speaker 1: my background.
Speaker 2: It made me you may be moved to shimmy for
Speaker 2: the time.
Speaker 1: I mean, yeah, but like a whole number punted out.
Speaker 1: But I'm excited, honestly. So we had our first so,
Speaker 1: you know, first we had to work on pricing. I
Speaker 1: was so proud of her. I said, look at list.
Speaker 1: I said, Okay, think about how much She's like, how
Speaker 1: much do I get paid? I said, let's negotiate. Think
Speaker 1: about it. You would be proud of her, Mandy, So
Speaker 1: I told her, you know, think about it. And then
Speaker 1: come back to me. She said, well, one, I know,
Speaker 1: I don't want to be paid hourly And I said why.
Speaker 1: She said, because when I work for Tracy and you know,
Speaker 1: my publicist shout out to Tracy lap Or. So She's like,
Speaker 1: when I work for Tracy, I was very fast, Like
Speaker 1: she would give me a task that she was anticipate
Speaker 1: would take me two or three hours, and it would
Speaker 1: take me thirty minutes. And I feel like that I
Speaker 1: was almost penalized for doing good work fast. And I
Speaker 1: was like, look at her smarty pants. Yes, and Tracy
Speaker 1: said that. She was like, honestly, I listen, did great work,
Speaker 1: and she was so fast. I felt bad by how
Speaker 1: little I paid her, you know. So I said, okay,
Speaker 1: so not hourly and she's like, you know, I think
Speaker 1: I want to be paid per TikTok And I said okay.
Speaker 1: So she said, you know, it's talking to my uncle.
Speaker 1: He was like, so, I didn't realize this is called
Speaker 1: anchoring until I spoke to like one of my friends
Speaker 1: who is also a career coach. She was like, I
Speaker 1: was talking to uncle Naby. This is like Jerell's twin brother.
Speaker 1: And he was like, I told him all that's required.
Speaker 1: And she was like, what about eighty dollars of TikTok?
Speaker 1: And I was like, girl, your bucket. I didn't realize
Speaker 1: she was dropping that anchor to be like, I know
Speaker 1: she's not gonna pay eighty, but if I say my
Speaker 1: real number on the front, forty girl. So she dropped
Speaker 1: in eighty and I was like what she paused. She
Speaker 1: was like what about She's like, he talking about eighty? Pause?
Speaker 1: And I was like, he's crazy, I said, is it?
Speaker 1: And then she said isn't he? I was like, oh,
Speaker 1: I see what she's doing. And she was like, I
Speaker 1: was thinking closer to twenty five. So she made that
Speaker 1: huge gap for me to be like, oh, twenty five
Speaker 1: SEMs so low in comparison to the eighty that she
Speaker 1: initially said. And I told her, honestly, I don't want
Speaker 1: to spend more than one hundred bucks a week. I
Speaker 1: would like to produce about five tiktoks? So what about twenty?
Speaker 1: And she was just like, let me pause for a
Speaker 1: moment so I could praise dance. I said, oh, she
Speaker 1: got me because she was expect twenty. She was like,
Speaker 1: so she's gonna be doing about five tiktoks? A week
Speaker 1: twenty bucks. She's one hundred bucks.
Speaker 2: Year old, and said, go for fifty.
Speaker 1: Man. He's like, tell her to cool.
Speaker 2: What's a lot of work as someone who does TikTok's
Speaker 2: on the regular tip. Let me tell you it's worth skill.
Speaker 2: But you we're gonna be up for a raise within
Speaker 2: a few months.
Speaker 1: And I didn't tell her that. I was like, that's like,
Speaker 1: you know, if you do a really good job, you
Speaker 1: could be up for a raise. And then I told
Speaker 1: her the bad news, which was so, well, it's not
Speaker 1: bad news, good news for me, which is twenty percent
Speaker 1: of your money. So if you make your hundred dollars
Speaker 1: twenty dollars, it has to go up. We're going to
Speaker 1: put it in your you know, in a raw I
Speaker 1: ry for you. She's like what, And then I said, then,
Speaker 1: because you're gonna be paid as a contractor, thirty percent
Speaker 1: you have to set aside for taxes. She was like what.
Speaker 1: So she was like, so if I get one hundred dollars,
Speaker 1: I only get fifty. I was like, welcome to the
Speaker 1: real I's go talk to.
Speaker 2: The negotiation table. Yeah no, that's that's awesome.
Speaker 1: So I'm really excited. Yeah, honestly, I'm not like the
Speaker 1: tick talk part. I'm just like whatever. To me, it's
Speaker 1: I'm you know, it's it's gonna be fun or whatever.
Speaker 1: But really, to me, this is because you know, she's
Speaker 1: a teenager and to connect genuinely authentically, you know, it's like,
Speaker 1: how do you find things to do besides go to
Speaker 1: the mall and go shopping? And so now every Saturday
Speaker 1: or Sunday we meet up. She comes to like my
Speaker 1: coworking space, We have lunch, we talk about boys in
Speaker 1: school and everything else. And for like, like last it
Speaker 1: took us yesterday maybe like thirty minutes to take the five.
Speaker 1: She was telling me like I did some research about
Speaker 1: the sounds that are trending and blah blah blah. So
Speaker 1: she had done all this like work behind the scenes,
Speaker 1: so it was really easy just to do what she
Speaker 1: told me to do. And then we spend the rest
Speaker 1: of the time just hanging out, and I just it
Speaker 1: just feel my heart because I just thought, oh, this
Speaker 1: is awesome. Plus I get to sneak in some financial
Speaker 1: education for her, because she's like, I did this information
Speaker 1: about the recession and what it means, and so I
Speaker 1: think the first one this should be the sound. I said, Oh,
Speaker 1: my gosh, it's happening, you know, Like, I'm just really excited. So,
Speaker 1: like I said to me, the tiktoks are like secondary
Speaker 1: to like the relationship building we get to build. So
Speaker 1: I'm just excited about that. And she's excited about money,
Speaker 1: which is good. Oh and Mandy, you'd be proud of
Speaker 1: her because she was like, so, after a couple of
Speaker 1: months of of me mastering it, I'm going to make
Speaker 1: a request that you post on your social and tell
Speaker 1: people if they live in the Newark area they can
Speaker 1: meet us on Saturday and I will do their tiktoks
Speaker 1: for them. And I was like, oh, are you talking
Speaker 1: about scale, Yes, I said, She's like, but they're not
Speaker 1: going to get your price raise. I'm like, okay, that's fine.
Speaker 1: But I just thought that was really smart that, like,
Speaker 1: because I literally the place where we were taping it,
Speaker 1: they have so many different backgrounds where you can choose from,
Speaker 1: so it wouldn't look like we're all doing our tiktoks
Speaker 1: in the same space. So watch out for Supergirl TikTok Inc.
Speaker 1: Coming to a new coworking space near you.
Speaker 2: That's great, And I know that that was one of
Speaker 2: the other things. You gave yourself time to figure that
Speaker 2: outcause I know that in the beginning after Superman's passing,
Speaker 2: you weren't sure what that would look like. But it
Speaker 2: just happened organically. Yeah from beautiful, Yeah, beautiful. And I
Speaker 2: can't wait when when all right, I'm gonna do a
Speaker 2: quick boosty boost. So I'm gonna do a boost for
Speaker 2: a new podcast that a buddy of mine. He's become
Speaker 2: a buddy. So this is a guy named Christopher ron Medez.
Speaker 2: You can see him and call me kat on what
Speaker 2: is that CBS. He's an actor. So he has a
Speaker 2: new podcast which I had never heard of this story.
Speaker 2: But the podcast is called Ruby Rosa and it is
Speaker 2: the story of the original the original inspiration for James Bond,
Speaker 2: who was a Dominican man named PONIONI. How do you
Speaker 2: say Poniferro?
Speaker 1: Shit?
Speaker 2: Did I say that wrong? I'm sorry Ponifrio or Ponifierro
Speaker 2: Ruby Rosa. And so he's doing like an eight or
Speaker 2: ten episode really engate, like exciting, interesting storytelling. There's a
Speaker 2: couple of episodes up, so just go check it out.
Speaker 2: It's gonna be like eight or ten episodes and it's
Speaker 2: the story of the original inspiration, and because he's a
Speaker 2: Dominican man, you know, I had to take Enrique, my
Speaker 2: my husband, and I took him to Chris's podcast launch
Speaker 2: party and it was so fun and the whole room
Speaker 2: was full of Latin artists and creators, and there was
Speaker 2: spoken word, there was poetry readings. It was just really beautiful.
Speaker 2: And the show itself is just so cool because it's
Speaker 2: not just the story of the original inspo, Ruby Rosa,
Speaker 2: but it's also like Chris's journey as a Dominican growing
Speaker 2: up in Queens, New York and not really embracing his
Speaker 2: heritage and doing that later in life. So if you
Speaker 2: want something new to listen to, it's a little bit different.
Speaker 2: I highly highly recommend it. Oh I like that Rubirosa.
Speaker 2: I feel bad for pronouncing the guy's name wrong, but
Speaker 2: he was a saucy character, very interesting.
Speaker 1: No, I love that. We love it. We stand a podcast.
Speaker 1: Good podcast. So yeah, so let's leaning. Oh did I
Speaker 1: tell you I told you I was reading that book
Speaker 1: twelve week year? Did I tell you that?
Speaker 2: Yeah?
Speaker 1: Yeah, No, I was to show. Did I tell you
Speaker 1: off online? Did I tell you online?
Speaker 2: It was on the show?
Speaker 1: Okay, good because then you know, I feel like I
Speaker 1: haven't give you guys a book a wreck of reco
Speaker 1: in a minute. So yeah, so I just wanted to
Speaker 1: make sure, like, yeah, I love that book. I'm really
Speaker 1: I finished listening to it and I'm ready to put
Speaker 1: things into accion.
Speaker 2: So is that the one where you were talking about
Speaker 2: you do squats when you brush your teeth.
Speaker 1: No, that is stacked topping habits.
Speaker 2: Oh yeah, yeah, yeah, yeah. I think that was like
Speaker 2: the same conversation.
Speaker 1: Yeah, it was the same conversation. But I said, I'm
Speaker 1: doing that and when I tell you, I'm not gonna lie.
Speaker 1: My gloots are Okay, they left the honey.
Speaker 2: One of our listeners responded on ig At brandon Mission podcast.
Speaker 2: She responded and says she does the same thing. She's
Speaker 2: been squatting while she brushes her teeth. Meanwhile, I'm just
Speaker 2: like counting. I'm like, dang, I got this for two minutes.
Speaker 2: Two minutes is a long time. I should go back
Speaker 2: when you squat something. I did think about habit stacking, though,
Speaker 2: I realized that's what I started to do with my
Speaker 2: my walking. I habit stack that. So I take Rio
Speaker 2: to daycare every day. Okay, so as soon as I
Speaker 2: drop him off, I just made it a habit to
Speaker 2: go to the park and do my walk.
Speaker 1: Is that habit?
Speaker 2: Stacking?
Speaker 1: It is because you do something that you're already doing
Speaker 1: without thinking about it. Kind of it's like, of course,
Speaker 1: I'm gonna take the baby to daycare, and then you
Speaker 1: stack something new that's not as natural, and so like
Speaker 1: now it's to the point where if I brush my teeth,
Speaker 1: it actually feels weird if I'm not squatting, you know,
Speaker 1: because then you make like the new thing you're trying
Speaker 1: to make into a habit, it turns into a habit.
Speaker 1: So once I get really really solid and squatting, I'm
Speaker 1: gonna start doing lunges because lunches really tone your legs.
Speaker 1: But it's a lot, so I'm just like, Okay, get
Speaker 1: used to these squats, and then we're gonna add on lunges,
Speaker 1: you know. So I'm like, you know, slowly trying to
Speaker 1: stack on top of stack. But I'm telling you, like,
Speaker 1: you know, like how do you make life, you know,
Speaker 1: and building new habits just like a little bit easier,
Speaker 1: you know, by stacking on top of things that you
Speaker 1: do without thinking about. And so habit stacking.
Speaker 2: Maybe I'll do cakels whiley brush. We'll see RVA fan. Well,
Speaker 2: that is the show. We'll see you guys Friday for
Speaker 2: B A, Q and A. Where can they find us TIFFs?
Speaker 1: They can find us on I at Branna bishon podcast.
Speaker 1: They can go to brannibishonpodcast dot com. If you do
Speaker 1: have questions you want to answer on the QA of
Speaker 1: the BA and we are the BA Podcast on Twitter
Speaker 1: and Brown and Bison on YouTube. We are all over
Speaker 1: the socials.
Speaker 2: Okay, connect with them, have fun at invest best. I
Speaker 2: can't wait to see hear all about it. Okay, all right,
Speaker 2: hey BA fan, we could not do this show without
Speaker 2: your support or the support of our team behind the scenes.
Speaker 2: The Brown and Mission Podcast is produced by Cumulus Podcast Network.
Speaker 2: It's edited by the wonderful Emani Crosby and produced by
Speaker 2: Tanya Bustos. Dennis Stimplinsky is our in house tech guru,
Speaker 2: and I am Bandy Woodrid Santos your co host, and
Speaker 2: I will see y'all next week.