The BEST His and Hers Financial Literacy Podcast for Millennials
Feb. 19, 2025

77: Rip & Rant on DE&I, Relationship Disconnects and Etiquette

77: Rip & Rant on DE&I, Relationship Disconnects and Etiquette

In this episode, Jess and Brandon tackle the critical issue of diversity, equity, and inclusion (DE&I) in the current socio-political climate, debunking myths and misconceptions surrounding these initiatives. They emphasize the importance of understanding DE&I as a framework that benefits everyone, while urging personal reflection on inherent biases.

Brandon also challenges the men who are resisting financial advising, when their spouses are clearly asking for help and looking for support. 

Lastly, they discuss recent happenings in Brandon’s financial planning business. From the unengaged, to prospects expecting favors and beyond, this is a conversation you don’t want to miss.

Watch this episode in video form on YouTube

Leave us a question in the form of a voicemail 

You can email us at: thesugardaddypodcast@gmail.com

Be sure to connect with us on socials @thesugardaddypodcast we are most active on Instagram

Learn more about Brandon and schedule a free 30-minute introductory call with him here: https://www.oakcityfinancial.us

Chapters

00:00 - Dismantling DEI Myths and Realities

05:09 - DEI Initiatives and Workplace Diversity

17:55 - Recognizing DE&I Bias in Action

27:59 - Gender Dynamics in Financial Planning

34:37 - Client Financial Information Disclosure Expectation

Transcript
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00:00:00.260 --> 00:00:09.773
Every time I come to these meetings where you have that separation of one person really wanted to help the woman and the male being like we don't need help, they need help.

00:00:09.773 --> 00:00:10.574
I see the numbers.

00:00:10.574 --> 00:00:14.388
There's never been a time where I'm like, oh no, you're right, you don't need any help.

00:00:14.388 --> 00:00:16.766
No, every time they need a lot of help.

00:00:16.766 --> 00:00:19.928
And I'm going to speak to men on this one.

00:00:19.928 --> 00:00:29.163
Let that pride go, like that pride of I can fix this is killing you because it's okay to not know something.

00:00:29.163 --> 00:00:31.492
No, it's dumb to not know something.

00:00:31.492 --> 00:00:34.203
Realize you don't know something and then do nothing about it.

00:00:34.203 --> 00:00:35.066
That's dumb.

00:00:35.066 --> 00:00:36.951
That is the opposite of being a man.

00:00:46.179 --> 00:00:47.003
Hey babe, what are we talking about today?

00:00:47.003 --> 00:00:47.726
Make them pockets grow.

00:00:47.726 --> 00:00:48.853
Financial freedom's where we go.

00:00:48.853 --> 00:00:50.057
Smart investments, money flow.

00:00:53.420 --> 00:00:54.703
Hey babe, what are we talking about today?

00:00:54.703 --> 00:00:58.030
Well, today is another Rippin' Rant and first Rippin' Rant we're going to talk about is DEI.

00:00:58.051 --> 00:00:58.752
You've been waiting.

00:00:58.752 --> 00:01:01.161
You've been Rippin' and ranting.

00:01:02.164 --> 00:01:24.042
I do have a lot of opinions about this the middle of january, and january was long yeah, as most of you know, basically every single dei program and every single company across the country is under attack or has already been dismantled, and the reasons behind why they're being dismantled.

00:01:24.042 --> 00:01:29.326
That's what we're going to talk about because, honestly, for a lack of, I think it's crap.

00:01:29.326 --> 00:01:29.929
It's crap.

00:01:29.929 --> 00:01:38.477
The reasoning behind it is just crap, it's lies, you know racist lies yeah, because, well, let's first start.

00:01:38.519 --> 00:01:39.079
Let's take a step back.

00:01:39.079 --> 00:01:44.153
Let's first define exactly what dei actually is, for maybe some of you guys that don't know.

00:01:44.153 --> 00:01:47.000
Dei stands for diversity, equity, inclusion.

00:01:47.000 --> 00:01:56.254
It is basically a framework aimed at fostering workplaces, organizations and communities that embrace and support individuals from diverse backgrounds and identities.

00:01:56.254 --> 00:02:05.034
The main DEI initiatives they often focus on policies, training and strategies that promote a more equitable and inclusive society or workplace.

00:02:05.034 --> 00:02:08.088
So listen to that definition.

00:02:08.088 --> 00:02:15.286
I don't understand how anyone could one be against it based off the definition to begin with, and when people are against it.

00:02:15.286 --> 00:02:17.412
It leads me down two different paths.

00:02:17.412 --> 00:02:26.647
One, you either are ignorant and you don't actually understand what DEI is and what it does and the purpose behind it, or two, you're racist.

00:02:28.161 --> 00:02:40.340
I saw something yesterday, I think, that said when somebody like, if you're in somebody's presence and they say that they're against DEI, ask them which part Is it that they're against diversity?

00:02:40.340 --> 00:02:44.792
Is it that they're against equity or that they're against inclusion or all of it?

00:02:44.792 --> 00:03:11.993
Is it that they're against equity or that they are not qualified for which is garbage?

00:03:13.060 --> 00:03:27.286
Secondly, if you're going to say something about or against DEI, Say it with your chest, then Say it with your chest first off and then also say it Like what part are you you don't like equity, you don't like inclusion, you don't like diversity?

00:03:27.286 --> 00:03:29.313
Which part do you not like?

00:03:29.313 --> 00:03:34.854
Let's talk about that Instead of giving it this like blanket statement where you can kind of hide behind it.

00:03:34.854 --> 00:03:43.221
No, people need to start getting called out for what they you know are posting online or whatever it might be like.

00:03:43.221 --> 00:03:48.183
Tell me so I know which part of DEI you don't agree with.

00:03:48.405 --> 00:03:50.508
I also don't like this new age racism.

00:03:50.508 --> 00:03:52.152
I call it bitch assness racism.

00:03:52.152 --> 00:03:57.037
Be honest with you, because at least back in the day people owned the racism.

00:03:57.037 --> 00:04:01.040
They did racist things, they said racist things and when you call them a racist they were like, yeah, I'm a racist.

00:04:01.040 --> 00:04:03.707
Nowadays people do racist things, say racist things.

00:04:04.008 --> 00:04:05.252
But don't want to be called a racist.

00:04:05.562 --> 00:04:08.787
But when you call them a racist, they're like I'm not a racist and they get all hurt and cry about it.

00:04:08.787 --> 00:04:12.187
I'm like, no, don't do racist things and people won't call you a racist.

00:04:12.187 --> 00:04:13.110
It's very simple.

00:04:13.570 --> 00:04:14.293
It's pretty basic.

00:04:14.960 --> 00:04:28.708
And so one of the things we really want to talk about is the myths behind DEI, with a very obvious one that most people have is that they think dei dei lowers standards when in reality it does.

00:04:28.708 --> 00:04:29.571
The doesn't do any of that.

00:04:29.571 --> 00:04:31.637
If anything, it actually raises the standards.

00:04:31.637 --> 00:04:37.091
Most people, like just said, think that dei is black people getting jobs that are not qualified for.

00:04:37.091 --> 00:04:45.814
What dei does is forces people in some aspects to look at qualified people that aren't white males.

00:04:46.213 --> 00:04:48.865
That's all it is that's what it is like.

00:04:48.865 --> 00:05:04.826
So you have the bucket of cisgendered white men who are used to owning everything, being in charge of everything, and d and I helps eliminate only white men being interviewed for jobs.

00:05:04.826 --> 00:05:09.382
That's what it is, yeah, so Give everybody else a chance.

00:05:09.401 --> 00:05:13.471
I kind of equate it to for those individuals that are football players, that are into football, it's the Rooney Rule.

00:05:13.471 --> 00:05:22.375
So the Rooney Rule in football came about because you have a league that is like 70 to 80% black athletes and barely any black coaches.

00:05:22.375 --> 00:05:24.545
So that should tell you something.

00:05:24.545 --> 00:05:27.144
Athletes and barely any black coaches, so that should tell you something.

00:05:27.144 --> 00:05:32.000
And so the Rooney rule applied that you have to interview a certain number of black applicants for a head coaching job.

00:05:32.000 --> 00:05:36.370
You don't have to pick the black applicant, but you do have to interview them.

00:05:36.370 --> 00:05:43.521
And there's a reason behind that because one, it's opening the opportunities for other people that are just as qualified.

00:05:43.521 --> 00:05:50.552
So you're not just looking at group A over here Now, you're looking at B, c, d, all the other groups as well to find the same qualified applicants.

00:05:51.120 --> 00:05:57.387
Now, also, what happens in these scenarios is that, even if a black person doesn't get the job, they now know the process.

00:05:57.387 --> 00:06:04.507
And we all know that part of also interviewing for jobs assuming you get higher up is understanding the process so that you can improve.

00:06:04.507 --> 00:06:12.351
If you don't get the job, if you don't understand the process, or you have the opportunity to even go through the process, you don't even know what you need to improve on to go through it.

00:06:12.351 --> 00:06:15.564
And so that's what DEI is for the masses.

00:06:15.564 --> 00:06:18.672
It's not unqualified people getting jobs.

00:06:18.672 --> 00:06:22.665
Now, is there a potential for an unqualified person to get a job?

00:06:22.665 --> 00:06:26.132
Yes, just like there's a potential for unqualified white men to get jobs.

00:06:26.132 --> 00:06:27.033
Same thing.

00:06:27.420 --> 00:06:29.867
That's literally been happening for centuries.

00:06:29.867 --> 00:06:30.790
Look at our president.

00:06:31.762 --> 00:06:40.829
Like, in all honesty, like, look at our president and for anyone out there that maybe voted for Trump and is listening to us, do you think if Trump was the exact same person, everything, exactly the same.

00:06:40.829 --> 00:06:42.651
Only thing you change is that he's a, a black man.

00:06:42.651 --> 00:06:43.793
Do you think he'd be president?

00:06:44.374 --> 00:06:55.422
no, like, if you don't lie to yourself, he wouldn't be it's very obvious he wouldn't have even made it to the ballot, he wouldn't be allowed to step foot in dc yeah, I mean come on and that's the thing behind dei.

00:06:55.442 --> 00:07:02.423
and like, I have heard this same argument since I was in high school, you know, with the whole idea of affirmative action.

00:07:02.423 --> 00:07:15.045
I will not say the person's name because I just don't remember who was in high school, but I was in a class where someone was talking about affirmative action and how it's making it hard for them, as a white person, to get into college, and I simply called them out.

00:07:15.045 --> 00:07:18.990
I stood up in the little class and I said what is your SAT score?

00:07:18.990 --> 00:07:20.322
What is your current GPA?

00:07:20.322 --> 00:07:21.245
Here I'll go first.

00:07:21.245 --> 00:07:22.408
Here's my SAT score.

00:07:22.408 --> 00:07:23.331
Here's my GPA.

00:07:23.331 --> 00:07:25.521
Here I'll go first.

00:07:25.521 --> 00:07:25.940
Here's my SAT score.

00:07:25.940 --> 00:07:26.261
Here's my GPA.

00:07:26.261 --> 00:07:26.521
Guess what?

00:07:26.541 --> 00:07:27.702
Mine were higher.

00:07:27.702 --> 00:07:32.666
Have you been listening to our podcast and wondering how am I really doing with my money?

00:07:32.666 --> 00:07:35.389
Am I doing the right things with my investments?

00:07:35.389 --> 00:07:38.072
Am I on track to reach my financial goals?

00:07:38.072 --> 00:07:39.853
What could I be doing better?

00:07:39.853 --> 00:07:55.074
If you answered yes to any of these questions, then it's time for you to reach out to Brandon to schedule your free yes, I said free 30-minute introduction conversation to see how his services could help make you the more confident moneymaker we know you could be.

00:07:55.074 --> 00:07:56.764
What are you waiting for?

00:07:56.764 --> 00:08:04.312
It's literally free and at the very least, you'll walk away feeling more empowered and confident about your financial future.

00:08:04.312 --> 00:08:05.963
Link is in our show notes.

00:08:05.963 --> 00:08:07.488
Go schedule your call today.

00:08:10.822 --> 00:08:19.228
And that's the problem is that people keep pushing this narrative, and what I honestly want to say is I'm going to call it out it's a mediocre white man pushing the narrative to make themselves feel better about not getting a job.

00:08:19.228 --> 00:08:32.794
That's really what it is People that think they should get a job just because they were white aren't getting a job, and they have to find some way to justify it in their mind other than that, hey, the other person was more qualified than you and they just happen to be black.

00:08:33.576 --> 00:08:36.086
Yeah, there was another thread that I saw.

00:08:36.086 --> 00:08:45.854
It was actually on threads and it was a black female physician who had a heart to heart with a colleague.

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Did you see?

00:08:46.495 --> 00:08:46.941
it, I did.

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And basically, you know, this was a white colleague who was able to have this kind of a constructive conversation about DE&I and affirmative action etc.

00:09:01.428 --> 00:09:06.283
And they basically sat down and they talked about you know, what kind of school did you go to Like?

00:09:06.283 --> 00:09:07.307
Where did you go to high school?

00:09:07.307 --> 00:09:08.690
She went to an inner city school.

00:09:08.690 --> 00:09:12.807
He, of course, went to a prestigious, very expensive private school.

00:09:12.807 --> 00:09:14.529
Where did they go to college?

00:09:14.529 --> 00:09:15.452
What did they study?

00:09:15.452 --> 00:09:16.721
What was their GPA?

00:09:16.721 --> 00:09:20.245
What kind of you know internships did they do?

00:09:20.245 --> 00:09:33.480
Et cetera, et cetera, and at every single stage she had higher scores, higher GPA, and she did this all coming over to the United States, not speaking English.

00:09:33.660 --> 00:09:45.066
I think she came when she was like 15 years old 15 years old, not speaking English, you know, having kind of the deck stacked against her with where she went to schools the schools that she applied to.

00:09:45.066 --> 00:09:52.289
She went to schools the schools that she applied to and it really showed that because of DE&I she was able to actually get the interviews.

00:09:52.289 --> 00:09:54.951
Her grades warranted her being there.

00:09:54.951 --> 00:10:01.475
But without these rules and laws in place she could have easily been passed over.

00:10:01.475 --> 00:10:08.984
And so basically at the end of the thread he acknowledges you had way more obstacles to overcome and you did much better.

00:10:09.083 --> 00:10:11.669
My, my scores were not the way yours were.

00:10:11.669 --> 00:10:14.602
My GPA wasn't what yours was, even throughout medical school.

00:10:14.602 --> 00:10:20.966
She beat him every single step of the way, which is why I mean, they're both now physicians.

00:10:20.966 --> 00:10:30.192
But she basically said she was given the opportunities because DE&I, this framework, you know these laws, these rules were put in place.

00:10:30.192 --> 00:10:43.086
And let's just be very clear even though this administration, the undertone of DE&I is black people, brown people, yellow people, anybody that is not white, that is what they are considering DE&I.

00:10:43.086 --> 00:10:47.495
But the reality is is if you are a woman, you are DE&I.

00:10:47.495 --> 00:10:50.264
If you are over 40, you are DE&I.

00:10:50.264 --> 00:10:53.591
If you are deaf, if you are blind, if you are in a wheelchair.

00:10:53.652 --> 00:10:54.432
If you are a vet.

00:10:54.740 --> 00:11:16.368
If you are a vet, you are a DE&I quote, unquote hire and so we really need to be cognizant of the buckets we put people in, because if you're in a wheelchair and the building that you're going into has a ramp access for you to access that building with your wheelchair, that is because of a DE&I initiative.

00:11:16.368 --> 00:11:25.881
Without something like that in place, a building could just say nope, you need to figure out a way to get in here without actually having access for your wheelchair.

00:11:25.881 --> 00:11:27.347
That's insanity.

00:11:27.720 --> 00:11:30.368
What's insanity also is, for example, the governor of Texas.

00:11:30.589 --> 00:11:30.950
Oh my gosh.

00:11:31.822 --> 00:11:33.626
Who is voting against DEI?

00:11:33.626 --> 00:11:34.971
And he's in a wheelchair.

00:11:34.971 --> 00:11:39.071
Literally they have access because he's in a wheelchair.

00:11:39.600 --> 00:11:41.748
I mean, how vapid can you be?

00:11:41.748 --> 00:11:43.840
It's really embarrassing.

00:11:44.140 --> 00:11:44.761
And the thing is too.

00:11:44.761 --> 00:11:57.571
I can tell you from experience that if you have a minority, and, more specifically, if you have a black woman that is in a higher position, for example, a manager, vp, executive, whatever, above you, I guarantee you.

00:11:57.571 --> 00:11:59.845
I guarantee she's twice as qualified to be there.

00:12:00.105 --> 00:12:00.346
Right?

00:12:00.346 --> 00:12:07.696
Well, and let's just make something very clear Black women are the most educated demographic in the United States.

00:12:07.696 --> 00:12:22.433
Black women have the highest percentage of secondary degrees in the United States, which makes vis-a-vis, ergo concordantly, black women the most educated demographic in the United States.

00:12:22.433 --> 00:12:38.147
It is not white men, it has never been white men, and this is why we need D and E and I to ensure that people who are not just cisgendered white men have access to education, have access to be sitting in rooms that we deserve to be in.

00:12:38.147 --> 00:12:41.552
How is it 2025?

00:12:41.552 --> 00:12:44.143
And this is a conversation that we are having.

00:12:44.243 --> 00:12:45.605
It's a conversation that's all been around.

00:12:45.605 --> 00:12:54.041
I mean like, for example, I mean my mom is a retired college professor, phd, had her master's at 21 years old, and you know.

00:12:54.041 --> 00:13:08.061
Another perfectly prime example on par with this administration is that I've always said it and I can explain it that the Supreme Court justice, katonji Brown Jackson, is the most qualified justice on the court based upon work experience.

00:13:08.061 --> 00:13:17.532
She is the only justice on the court that has Supreme Court clerking experience, public defender experience, sentencing, commission, district court judge and court of appeals judge.

00:13:17.532 --> 00:13:20.931
She's the only one that has all of those on her resume.

00:13:20.931 --> 00:13:27.410
She is hands down the most qualified person, but people try to say that she was not qualified enough because she's a black woman.

00:13:27.410 --> 00:13:29.546
She's not a DEI hire.

00:13:30.581 --> 00:13:33.359
She is the most qualified person in that building.

00:13:33.841 --> 00:13:39.013
If anything, the DEI hire is Amy Comey Barrett, who did not have any of this experience.

00:13:39.013 --> 00:13:41.048
Well, she has some of it, but most of it she does not.

00:13:41.539 --> 00:13:42.604
Well, and not the tenure.

00:13:42.604 --> 00:13:44.745
Oh no, I mean she barely was.

00:13:44.820 --> 00:13:46.042
She was a judge for two minutes, that's it.

00:13:46.442 --> 00:13:55.836
Yeah Well, we understand that being qualified in this administration is not something that anybody values.

00:13:55.836 --> 00:14:11.212
The country has voted this way and what's really sad is that there are so many qualified people that without D, e and I are just not going to get the opportunity to sit at the tables that they deserve to be at.

00:14:11.212 --> 00:14:25.548
And what's more terrifying is that the people who are more than qualified to be in the roles that they're in are now going to be questioned even more than they have been previously to see if they deserve to be there.

00:14:25.548 --> 00:14:29.854
And again, the stats are there.

00:14:29.854 --> 00:14:48.346
I mean, nobody else questions the nepotism or the fact that you know somebody is hiring their son, their cousin, their whatever in their family, their country club buddy, as long as they look like cisgendered white men and they're like, this is this is nothing against white men.

00:14:48.346 --> 00:15:02.461
This is against people who don't understand that there are people in this world who need opportunities to present their skills and without DE&I, that is not going to happen.

00:15:02.461 --> 00:15:10.201
And the fact that they want to demolish, shut it down, rip it out that, I think, is really terrifying.

00:15:10.263 --> 00:15:13.654
And the people who don't understand, again what it means.

00:15:13.654 --> 00:15:18.467
Right, if you are a nursing mother and maybe your building has a nursing mother's room.

00:15:18.467 --> 00:15:19.269
Guess what?

00:15:19.269 --> 00:15:21.181
That is a DE&I initiative.

00:15:21.181 --> 00:15:32.427
You want to go back to pumping in the bathroom stall, pumping in your car, pumping in some broom closet with chemicals, because that's what this is going to be.

00:15:32.427 --> 00:15:33.784
This is what's going to happen.

00:15:33.784 --> 00:15:43.854
These initiatives help people live, work, function in the spaces where we live, work and function.

00:15:43.854 --> 00:15:44.575
That's what it is.

00:15:45.000 --> 00:15:51.894
Also, at the end of the day, it does come down to dollars, because several studies show that diverse teams outperform homogenous teams.

00:15:51.894 --> 00:15:57.532
If you have a team full of white cisgender males, they only have one perspective.

00:15:57.532 --> 00:16:00.183
For the most part, they only have one perspective.

00:16:00.183 --> 00:16:10.690
So when you start to diversify that team and you have people from different backgrounds, you're going to get better ideas Like if you don't understand that you are not at the top of the game.

00:16:10.690 --> 00:16:15.336
I'm just like, you know, like, if you don't understand that, you're going to fail in the long run.

00:16:15.580 --> 00:16:37.379
I mean, if you look at Fortune 100, fortune 500, if you look at these large corporations even the ones, sadly, that you know decided to just throw DE&I out the window as soon as they were legally able, the ones that have diverse boards, the ones that have diverse executive leadership they are always outperforming those that do not, for the reasons that Brandon just mentioned.

00:16:37.379 --> 00:16:48.182
So if you want to have a company that is successful, then you hire people that don't look the same, don't have the same background, don't have the same skill sets.

00:16:48.182 --> 00:16:55.866
You are looking for people to fill the gaps that you might have, that your neighbor might have, that the third person at the table has.

00:16:55.866 --> 00:17:06.914
You're trying to build out a, you know, a group of people that really can speak to and fill the gaps of who's in the room.

00:17:08.020 --> 00:17:08.541
Also, too.

00:17:08.541 --> 00:17:11.489
The whole myth of this is reverse racism.

00:17:11.489 --> 00:17:18.491
First of all, there's no such thing as reverse racism, because reverse means opposite, and the opposite of racism is what we're going for.

00:17:18.491 --> 00:17:20.584
So I would love to have reverse racism.

00:17:20.584 --> 00:17:23.152
It means no racism, so the term itself is stupid.

00:17:23.152 --> 00:17:24.602
I hate that term.

00:17:24.602 --> 00:17:25.604
It's such a dumb term.

00:17:25.604 --> 00:17:29.711
But the idea is that it's about fairness, not favoritism.

00:17:30.392 --> 00:17:30.633
Right.

00:17:30.732 --> 00:17:31.534
And that's what it is.

00:17:31.534 --> 00:17:38.833
We are trying to move away from the favoritism and open the door of opportunity for everyone who's qualified.

00:17:39.273 --> 00:17:52.921
Yeah Well, I know you and I both talked about this, but again, threads is a pop in place right now and I'm really it this like.

00:17:52.921 --> 00:17:55.226
I know it's part of Instagram, but it is my favorite place to be on the internet right now.

00:17:55.226 --> 00:18:21.519
But there was a thread by a cisgendered white pilot and he basically detailed all the things that you have to go through in order to get your commercial pilots license and actually be hired by, you know, the Deltas, united's, americans of the world, and then basically, at the end, he was like any black, brown, yellow person that is flying a commercial airline or any kind of airline where passengers are paying to be is there because they are qualified.

00:18:21.519 --> 00:18:31.394
You do not become a commercial airline pilot because of a DE&I initiative at a company, because you were hired because you are not qualified.

00:18:31.394 --> 00:18:32.905
That just doesn't happen.

00:18:32.905 --> 00:18:42.846
So all of the people who are out here saying oh, so-and-so is not qualified and that plane crashed because no, no, boo-boo, that's just not a thing.

00:18:42.846 --> 00:18:44.384
Stop trying to make fetch happen.

00:18:44.384 --> 00:18:46.911
You wrong, you are wrong.

00:18:47.940 --> 00:18:48.521
I mean also.

00:18:48.521 --> 00:18:53.990
The thing is, too, is that you have to think about this way Black people make up roughly around 15 percent of the US population.

00:18:53.990 --> 00:18:58.691
Now take into account that also includes children and people that are too old to work.

00:18:58.691 --> 00:19:01.198
So cut that percentage down drastically more.

00:19:01.198 --> 00:19:05.611
White people still make up 60 to 65 percent of the US population.

00:19:05.611 --> 00:19:08.432
White people still make up 60 to 65 percent of the US population, and it's always been.

00:19:08.432 --> 00:19:14.277
You know the ploy of let's blame it on the smallest percentage of people in the in the make up the population.

00:19:14.277 --> 00:19:15.097
They're the problem.

00:19:15.861 --> 00:19:21.606
Like if you are, if you are a white person and I am a half white person.

00:19:21.606 --> 00:19:22.509
My mom is German.

00:19:22.509 --> 00:19:24.748
I grew up in Germany Extra half white.

00:19:25.760 --> 00:19:27.125
Brandon likes to call me extra white.

00:19:27.125 --> 00:19:30.169
Okay, so this is not a black and brown.

00:19:30.169 --> 00:19:33.028
This is not that Okay.

00:19:33.028 --> 00:19:42.053
I want you if you are a white person, I don't care what gender you are If you are in a space, I want you to look around.

00:19:42.053 --> 00:19:43.096
You live in the United States.

00:19:43.096 --> 00:19:51.002
I want you to look around that space and I guarantee you you will be able to count, depending on how large the space is.

00:19:51.002 --> 00:19:57.738
You will be able to count, maybe on one hand, maybe on two, how many Black people are in that space.

00:19:57.738 --> 00:20:05.436
I will tell you, as a woman of color, when I go into a restaurant, I can see my fellow brown people.

00:20:06.159 --> 00:20:11.800
We were at swim lessons the other night with our kids, one hand with fingers to spare.

00:20:11.800 --> 00:20:14.371
How many black and brown kids were on that swim team?

00:20:14.371 --> 00:20:18.390
While our kids were doing their lessons, how many black and brown parents were in the bleachers?

00:20:18.390 --> 00:20:20.518
Yeah, look around.

00:20:20.518 --> 00:20:23.267
Look around when you're at the park with your kids on the weekends.

00:20:23.267 --> 00:20:26.316
How many black and brown families do you see?

00:20:26.316 --> 00:20:27.266
You will.

00:20:27.266 --> 00:20:36.993
I guarantee you you will be able to count them on one or two hands Next time you go to a birthday party, next time you show up to volunteer for your kid's class.

00:20:36.993 --> 00:20:40.846
I just want you to open your eyes and look around you.

00:20:40.846 --> 00:20:43.451
As a white person, are not the minority.

00:20:44.375 --> 00:20:48.593
You are not, not even close, and the fact that you've probably never had that thought of.

00:20:48.593 --> 00:20:49.817
Oh, I'm in a restaurant.

00:20:49.817 --> 00:20:52.093
How many people look like me in this space?

00:20:52.093 --> 00:20:56.512
That is your privilege and I'm not saying you need to feel guilty about it.

00:20:56.512 --> 00:21:10.096
This is not me coming at you for any other reason, except for pay attention to the spaces around you and recognize that as a white person, you were always in the majority in that space.

00:21:10.096 --> 00:21:14.268
Look at the nail salon, look at who's in line at the grocery store.

00:21:14.268 --> 00:21:16.012
You are not being outnumbered.

00:21:18.401 --> 00:21:21.186
I mean previously, a previous financial planning firm that I worked at.

00:21:21.186 --> 00:21:25.032
We had a really good CEO and he was really open to having these conversations.

00:21:25.032 --> 00:21:43.154
And he went with a group of us probably about 15, 12 to 15 black advisors and we went to a conference in Atlanta for African-American financial professionals and he came down and so we're sitting in the room all at the table you know everyone's at the conference and we said to him we said have you ever been in a room where you're the minority?

00:21:43.154 --> 00:21:47.832
And he was like no, this is probably one of the first times I can recall.

00:21:47.832 --> 00:21:53.854
Um, but uh, he was in a room full of black people and he had never experienced that before.

00:21:53.854 --> 00:21:56.805
And we said to him you know the way that you feel right now.

00:21:57.266 --> 00:22:08.040
This is our everyday life every day, every day, which is why I mean there are conferences for women in tech, blacks in tech.

00:22:08.204 --> 00:22:09.308
And it's not about exclusivity.

00:22:09.308 --> 00:22:09.951
That's the problem.

00:22:09.951 --> 00:22:11.214
It's not about being exclusive.

00:22:11.384 --> 00:22:24.480
But you know, I will say there is something so powerful and comforting and energizing when you are in those spaces and you are surrounded by people that look like you.

00:22:24.480 --> 00:22:30.695
Now, again, as a white person, you get that all the time you go to the conference, most everybody's going to be white.

00:22:30.695 --> 00:22:31.646
That's just how it is.

00:22:31.646 --> 00:22:38.288
But the few times that we do have an opportunity to be in these spaces, it matters.

00:22:38.288 --> 00:22:58.353
It's just like when you go to a conference that's focused on women, maybe it's focused on mothers, maybe it's focused on the book that you're currently reading, right Like there's community in that and it's very powerful and it's comforting and it's energizing and you know it's something that's very, very valuable and we don't have a lot of that.

00:22:58.353 --> 00:23:07.178
And so all that to say look around the spaces that you occupy and figure out are you in the majority or the minority?

00:23:07.178 --> 00:23:21.799
And DE&I is focused on bringing opportunity to those who are qualified to at least be in the room, to be given a shot, to get the interview, to have their resume read.

00:23:22.580 --> 00:23:22.941
That's it.

00:23:23.080 --> 00:23:23.541
That's it.

00:23:23.541 --> 00:23:26.769
You still have to do the work, you still have to be qualified.

00:23:26.769 --> 00:23:35.988
But think about all of the times and you know, especially again if you're a woman think about how many female executives make it to the top, especially at these large companies.

00:23:35.988 --> 00:23:44.047
It's very minimal, and it's again because we are not given an opportunity to even be in the room.

00:23:44.047 --> 00:23:45.748
That's what this is giving.

00:23:45.748 --> 00:23:53.935
It is not a handout, it is not a freebie, it is not a pass to be uneducated and underperforming and unqualified.

00:23:53.935 --> 00:23:55.537
It is none of those things.

00:23:55.537 --> 00:24:01.301
And if you are walking out in the world with that in your mind, we need you to pick up a book, we need you to read a qualified article and we need you to pick up a book.

00:24:01.301 --> 00:24:06.087
We need you to read a qualified article and we need you to do better also.

00:24:06.107 --> 00:24:17.891
The thing is too, is that, um, if your first thought when you see someone get a job and maybe you didn't get it in their person, of color per se, and your first thought is, oh, it must be a dei hire, you're racist.

00:24:17.891 --> 00:24:25.945
If you don't know anything about that person and you automatically assume, just because they are not white, they are not qualified for the job, you are racist and you automatically assume, just because they are not white, they are not qualified for the job.

00:24:25.945 --> 00:24:30.179
You are racist and you need to do some changing to yourself.

00:24:30.980 --> 00:24:32.465
Or at least some inner reflection.

00:24:32.486 --> 00:24:34.009
I'll make it a little bit more gentle.

00:24:34.009 --> 00:24:35.314
No, you're racist.

00:24:35.433 --> 00:24:39.269
There needs to be some introspection on why that is your first thought.

00:24:39.690 --> 00:24:41.413
Yeah, because you're racist?

00:24:41.854 --> 00:24:42.815
Why is your default?

00:24:42.815 --> 00:24:53.525
We all have biases, we all have our own experiences and, yes, for some of us they are rooted in racism.

00:24:53.525 --> 00:24:58.757
But again, do the work, have some introspection and think about well, why was that?

00:24:58.757 --> 00:25:00.200
My first thought?

00:25:00.404 --> 00:25:01.469
You're nicer than me this time.

00:25:01.650 --> 00:25:02.171
I'm trying.

00:25:02.171 --> 00:25:02.532
I'm trying.

00:25:03.204 --> 00:25:05.326
Normally I'm the nicer one sometimes, but this one 20, 25, I'm calling this time.

00:25:05.326 --> 00:25:05.567
I'm trying.

00:25:05.586 --> 00:25:08.509
I'm trying, Normally I'm the nicer one sometimes, but this one 2025, I'm calling you racist.

00:25:08.529 --> 00:25:09.351
I'm sorry, I'm done.

00:25:09.351 --> 00:25:13.315
I've done that for years where you try to have the conversations and stuff like that.

00:25:13.315 --> 00:25:14.195
I'm over that.

00:25:14.455 --> 00:25:14.695
I know.

00:25:15.096 --> 00:25:18.299
Society doesn't dumb itself down to idiots.

00:25:18.299 --> 00:25:19.901
You're just going to be left behind.

00:25:19.901 --> 00:25:22.894
That's how.

00:25:23.116 --> 00:25:31.829
I feel, okay, let's move on to our next rip and rant, because I know we can talk about that forever.

00:25:32.170 --> 00:25:32.431
All right.

00:25:32.431 --> 00:25:37.327
So next, rip and rant is something that I've seen in my own experience throughout the years.

00:25:37.327 --> 00:25:48.190
Honestly, a little bit more recently is that I would say honestly I believe all the clients that I have that are a couple, you know, married couple, a male and a female.

00:25:48.190 --> 00:25:50.596
The woman is the one that actually reached out to me.

00:25:51.205 --> 00:25:53.771
All right, To schedule the appointment.

00:25:53.791 --> 00:26:03.969
To schedule the appointment as far as all the ones that have as clients, and I've also noticed a trend of the women reaching out to me and their husbands not being on board.

00:26:03.969 --> 00:26:19.953
So, therefore, I'm sitting in a meeting for the first time, you know, speaking to these individuals, and it's very obvious from body language and within one minute of the conversation, I can tell us right away that the woman is the one that's like hey, we need help, and the man is like I don't think we need help.

00:26:19.953 --> 00:26:33.391
And it's always funny because, like, part of my process is is that I asked to um to fill out a questionnaire that provides me with a high level overview of what your current financial situation is and then provide me some information about, like, some of the things that maybe you're looking to have help with.

00:26:33.391 --> 00:26:36.405
So it's not like I'm going into the meeting blind without knowing any numbers.

00:26:36.405 --> 00:26:46.779
So every time I come to these meetings where you have that separation of one person really wanted to help the woman and the male being like we don't need help, they need help.

00:26:47.000 --> 00:26:47.580
I see the numbers.

00:26:47.580 --> 00:26:51.374
There's never been a time where I'm like, oh no, you're right, you don't need any help.

00:26:51.374 --> 00:26:56.933
No, every time they need a lot of help and I'm going to speak to men on this one.

00:26:56.933 --> 00:27:06.179
Let that pride go, like that pride of I can fix this is killing you because it's OK to not know something.

00:27:06.179 --> 00:27:08.492
No, it's dumb to not know something.

00:27:08.492 --> 00:27:11.192
Realize you don't know something and then do nothing about it.

00:27:11.192 --> 00:27:12.055
That's dumb.

00:27:12.055 --> 00:27:13.971
That is the opposite of being a man.

00:27:15.065 --> 00:27:27.634
Well, I think too, because when these things happen, brandon never tells me you know, I don't know any names, I don't typically know details, like he, you know, obviously keeps all of that information private.

00:27:27.634 --> 00:27:37.156
Um, but he'll come down and he'll be like, oh, you know this, this guy wanted me to convince him that he needs a financial planner.

00:27:37.156 --> 00:27:38.925
Like I'm never going to do that.

00:27:38.925 --> 00:27:50.394
Like, if you are coming to Brandon and you say or roundabout way, or like well, tell me, tell me why I need one, he's going to be like you're on the wrong call, like hop off of the zoom, because I am not the one.

00:27:50.513 --> 00:27:53.895
If you're looking at the same numbers that I'm looking at and you don't realize, you need help.

00:27:53.895 --> 00:27:55.237
That's a you problem.

00:27:55.537 --> 00:27:58.999
Right, well, but also how awkward that I mean it's.

00:27:58.999 --> 00:28:12.010
I'm sure it's embarrassing a lot of times, especially in some of these situations with the women who are like very clearly like no, no, we're not All right, we don't got this.

00:28:12.010 --> 00:28:13.797
Like we need a third party who does this for a living to help us.

00:28:13.797 --> 00:28:17.388
Like we need some handholding, we need some guidance, we need to get these questions answered.

00:28:17.388 --> 00:28:25.955
And the guy is like no, we're doing fine and you're literally putting college tuition on a credit card it's sad you're not fine.

00:28:26.478 --> 00:28:37.515
It's sad to listen to only because, like I said, there's areas like there's areas that we all lack information or ability to handle.

00:28:37.515 --> 00:29:02.327
There's there's tons of things I don't know and understand, but one thing I think I'm pretty good at is saying that I don't know and I have no problems reaching out for help in areas that I need help in, and it's just terrible to see these scenarios because it's the same, literally it plays out the same way where the woman looks distraught, upset, embarrassed, and the man's sitting there looking stubborn and from my viewpoint, he looks stupid.

00:29:02.327 --> 00:29:06.555
And I don't mean stupid in the sense of like from an education standpoint.

00:29:06.555 --> 00:29:09.906
You look stupid in the sense of you don't understand how your wife feels.

00:29:10.488 --> 00:29:11.991
Yeah, and that's so sad.

00:29:12.092 --> 00:29:15.689
Everything is about communication, so this isn't even like you know.

00:29:15.689 --> 00:29:17.172
This goes far beyond finance.

00:29:17.172 --> 00:29:28.715
If you're listening to your wife talk about a problem that she has and it's a problem that you know you guys have and you guys have to work together to fix it and she's like this is a problem, we need to fix it, we need to work on it, we need help from somebody else and you're ignoring it.

00:29:28.715 --> 00:29:37.647
You have an issue in your relationship in general that is far beyond finances, because you are not communicating properly and you are not respecting and hearing your partner.

00:29:38.269 --> 00:29:41.294
Yeah, I know some of the some of the stories.

00:29:41.294 --> 00:29:47.130
Again, I don't ever know names or any of those details, but some of the stories I'm just like you know.

00:29:47.130 --> 00:30:04.710
Oh, you probably wouldn't even want to work with them because it sounds like they need a lot of help in other areas before you know you start tackling cash flow and investments Like it really sounds like you should be talking to a counselor and you know a financial planner.

00:30:04.829 --> 00:30:08.172
I've wanted to say that, but I don't say it in those words because that's not my place.

00:30:08.512 --> 00:30:29.574
But, and honestly, all these scenarios, I would 100 work with the wife because they seem to always be lovely people who are looking for genuine help and are open to that and understand that they are in a place where, man, we really need support, and it's only going to get worse and the men are like I'm immediately like I don't want to work with that person like because they probably don't want to be married to that person it's just, it's just.

00:30:29.734 --> 00:30:29.875
It's.

00:30:29.875 --> 00:30:31.260
It's rough to watch, man.

00:30:31.260 --> 00:30:36.422
Like it's just extremely rough to watch because I know where it's going to go if they don't get on the same page.

00:30:36.422 --> 00:30:38.446
Like it's not going to get better all of a sudden.

00:30:38.446 --> 00:30:40.510
And it's also like.

00:30:40.510 --> 00:30:44.939
Also, another thing is, too, is this is just anyone that reaches out to me.

00:30:44.939 --> 00:30:51.337
If you're going to set an appointment with me, make sure that you have 100 percent attention on the meeting.

00:30:51.337 --> 00:30:57.738
If I'm talking to two people and I see one is doing work, I automatically don't want to work with you, because that is the rudest thing ever.

00:30:57.738 --> 00:30:59.169
I give you my time.

00:30:59.169 --> 00:31:00.473
You give me your time.

00:31:00.473 --> 00:31:01.891
That is so rude.

00:31:02.365 --> 00:31:08.739
But that's also indicative of like they don't want to be there or, you know, like If you can't, Well also.

00:31:09.065 --> 00:31:11.354
Schedule at a time that both of you could sit there and be attentive.

00:31:11.965 --> 00:31:19.153
Didn't somebody recently ask you what you know, Like tell me what you know that I don't know?

00:31:19.153 --> 00:31:19.394
Yeah?

00:31:22.612 --> 00:31:25.278
I was like I don't have all month to sit here and talk to you.

00:31:26.145 --> 00:31:27.631
Like I mean that's also.

00:31:27.631 --> 00:31:31.483
I mean, do you not say like okay, if you're not a doctor, like maybe that's not?

00:31:31.523 --> 00:31:31.805
a good example.

00:31:31.805 --> 00:31:40.440
What I said to the person was I said to them right off the bat I was like I'm not here to convince you that you need a financial advisor.

00:31:40.440 --> 00:31:45.468
I said you need to come to that conclusion on your own, and it doesn't sound like you already have.

00:31:45.607 --> 00:31:46.369
But how rude.

00:31:46.369 --> 00:31:49.717
This is what you do, 40 plus hours a week.

00:31:49.717 --> 00:31:55.116
This is what you study, this is what you take exams for, this is what you attend conferences for.

00:31:55.116 --> 00:32:06.345
This is what you do for your clients every single day of the week, to the tune of multi-million dollars, portfolios across your clients.

00:32:06.345 --> 00:32:10.416
Like how rude to say that.

00:32:10.416 --> 00:32:13.307
Tell me what you know that I don't know.

00:32:13.307 --> 00:32:15.704
Like you wouldn't do that to me.

00:32:15.704 --> 00:32:17.249
You know for my work, right?

00:32:17.249 --> 00:32:19.826
Like why would you go and do that?

00:32:19.826 --> 00:32:21.948
Like this is what this is your profession.

00:32:22.259 --> 00:32:24.928
Also the thing is too at the end of the day, you scheduled the meeting.

00:32:24.928 --> 00:32:27.420
I didn't Well, it was the wife, technically right.

00:32:27.420 --> 00:32:28.121
Still the same thing.

00:32:28.121 --> 00:32:29.540
Y'all reached out to me, yeah.

00:32:29.540 --> 00:32:42.406
So also the thing I take it in stride only because I feel as though I do my best to interact with people that are extremely intelligent in a variety of ways, not the standard traditional book smarts.

00:32:42.406 --> 00:32:49.730
I like to be around people that are smart in all different varieties of ways, and one common thing I've seen is that people that are intelligent don't act like that.

00:32:50.750 --> 00:32:50.990
Right.

00:32:51.589 --> 00:32:56.873
And so you already tell me a lot about your own personal intelligence, your own ability to have growth.

00:32:56.873 --> 00:32:59.153
You tell me a lot from a comment like that.

00:32:59.794 --> 00:33:03.414
Just a PSA, in case it still hasn't resonated.

00:33:03.414 --> 00:33:11.659
Brandon is never going to spend time convincing you that you need to work with him, or any financial person.

00:33:11.659 --> 00:33:42.259
No-transcript.

00:33:42.259 --> 00:33:45.290
Yeah so you need to come to that conclusion on your own.

00:33:45.511 --> 00:33:50.269
Yeah, I'm here for those individuals who have figured out that they want help.

00:33:50.269 --> 00:33:59.991
They need help and they want help and now they're just simply looking for the right advisor that fits them, and I have no problems answering answering any questions around a fit.

00:33:59.991 --> 00:34:03.709
Like I just said, all those questions are valid, great questions.

00:34:03.709 --> 00:34:13.291
I love to answer those questions so that you can understanding of who I am and how I work with my clients, but I'm not going to sit here and try to convince you that you need an advisor to begin with, whether it's me or another one.

00:34:20.880 --> 00:34:21.541
Oh, there's another rip and rant.

00:34:21.541 --> 00:34:22.425
I think that you almost forgot is.

00:34:22.425 --> 00:34:24.652
So in if you're gonna, if you're thinking about reaching out to Brandon, which of course we hope you do.

00:34:24.652 --> 00:34:28.161
You know, we provide a ton of free information in our podcast and our newsletter.

00:34:28.463 --> 00:34:29.505
But I also need to get paid.

00:34:29.826 --> 00:34:37.086
Well, yes, but but as part of his process, the you know you have to fill out your the questionnaire in order to schedule a meeting.

00:34:37.086 --> 00:34:49.186
And if you are not comfortable sharing high level information about your financial situation, I mean, he's not asking you for your social security number, he's not asking for bank account numbers statements.

00:34:49.186 --> 00:34:51.692
It's literally like do you have a 401k?

00:34:51.692 --> 00:34:53.181
What is the approximate balance?

00:34:53.181 --> 00:34:55.387
Right, do you have a savings account?

00:34:55.387 --> 00:34:56.570
What is the approximate balance?

00:34:56.570 --> 00:35:15.547
And it's really just to kind of again not go into the conversation blind, but if you are not comfortable sharing a high level picture of your financial situation, you need not apply, because what kind of conversation are you going to have for 30 minutes when you can't share?

00:35:15.547 --> 00:35:19.942
If you have a 401k, like what do you want to talk about?

00:35:20.664 --> 00:35:39.150
Yeah, the purpose of the purpose of getting that information is to, when we have a conversation, to tailor it to your specific situation, the things that are going on in your life, the things that you need help with, so that you can have a much better idea of what it would be like working with me for your specific situation, not some generic idea.

00:35:39.692 --> 00:35:43.547
And I do want to be clear this is not a weed out process, right?

00:35:43.547 --> 00:35:44.449
Brandon is not.

00:35:44.449 --> 00:35:50.911
Maybe he will one day get to a point where he's like, hey, I don't work with anybody who doesn't make a million dollars, right.

00:35:51.092 --> 00:35:53.923
Well, I'll say this the thing is, it's not a weed out process.

00:35:53.923 --> 00:36:08.092
Now, granted, I can see sometimes, for example, like if your income is below a certain level, the reality is that, more than likely, it doesn't make sense to work with me because I would be too quote unquote an expense for you in regards to how much you bring in.

00:36:08.092 --> 00:36:12.030
But the thing is, I still take the meeting and I give you action steps.

00:36:13.001 --> 00:36:16.030
Yeah, because you have turned people away.

00:36:17.539 --> 00:36:20.889
I feel like in the last couple of months you've actually said, hey, I don't think you're at this point.

00:36:20.889 --> 00:36:26.001
Or here are a couple of things that I think that you can work on in the next six months and I'll reach back out in six months.

00:36:26.001 --> 00:37:00.246
Or or, you know, hey, you're not an ideal client for these reasons, because Brandon could take your money, but that's not who he is as a person, and so he has been turning people away for all sorts of reasons in the last couple of months and always has, but I feel like it's been maybe because people are listening to the podcast and they now know your personality and they want to work with you, but he's never going to take your quote, unquote money if it's not a right fit and he can't help you be successful in helping you reach your goals, whatever those goals are, because they're different for every person.

00:37:00.487 --> 00:37:26.585
Yeah, I mean like I had a meeting the other week where, you know, based upon their income, they were kind of, you know, a little bit below where I would like them to be from a comfort standpoint of being able to add me as another line item of money that's coming out of their pocket and in comparison to also like how much they had, they didn't have nearly enough of emergency funds saved up and I was like you know, that monthly fee that you paid me, that'd be much better serve putting it each month into your high yield savings account to build up that emergency fund.

00:37:26.585 --> 00:37:32.871
So, like I said, I don't just see these information on the on the questionnaire and say I'm gonna cancel the meeting.

00:37:32.871 --> 00:37:41.717
No, I have the meeting with you, even if I knew beforehand that you're probably not going to be a good fit, because I also provide you with action items that get you to a point where then it maybe it makes sense for us to work together.

00:37:42.159 --> 00:37:44.567
Yeah, so I just wanted to call those things out.

00:37:44.567 --> 00:37:46.030
You know, like you have to.

00:37:46.030 --> 00:37:55.574
You have to do your part too in order to have a fruitful conversation and to understand.

00:37:55.574 --> 00:38:04.465
You know what your financial situation is and what goals you have, because that's really where Brandon is going to start this process is what are your goals?

00:38:04.465 --> 00:38:05.489
What do you need?

00:38:05.489 --> 00:38:10.331
Now, that's different than if you're like, hey, I need some life insurance, can you do that for me?

00:38:10.331 --> 00:38:12.132
That's a that's a very different conversation.

00:38:12.501 --> 00:38:13.626
And that's a transactional yeah.

00:38:20.340 --> 00:38:27.442
But if you're coming, you know, if you're coming, you know if you're coming which again, by the way, psa brandon can do life insurance, disability insurance, all those things, um, but if you're actually looking for true financial planning, you know, then you're gonna have to do your part.

00:38:27.461 --> 00:38:36.887
You're gonna have to fill out that information and he's not gonna bend your, his process because you had somebody recently that you know kind of refused to put that information in.

00:38:36.887 --> 00:39:01.976
But then, well, I have this amount of money that I'm looking to invest and kind of felt like it was like trying to dangle the carrot kind of thing and you were like that's great, like everybody that I think is good that I would recommend is going to have a similar process, because we all want to make the most out of your time and ours to see if this is a fit.

00:39:01.976 --> 00:39:04.628
So don't ask people to change their process.

00:39:04.628 --> 00:39:16.699
Either find somebody else or go with the process that Brandon has been building out or whoever has been building out for their career and understands why this is important.

00:39:16.699 --> 00:39:19.148
And they do it the way they do it for a reason.

00:39:19.641 --> 00:39:19.860
Also.

00:39:19.860 --> 00:39:43.985
The thing is is that, like I said, part of my process is getting that information and then we have a 30 minute meeting you know sometimes runs a little bit longer depending on what the scenario is and I know without a doubt that after that 30 minute meeting with me, once you provide me with your information, you are going to be in a significantly better place from a knowledge standpoint of what you need to do with your finances than you were part of that meeting and I didn't charge you a thing.

00:39:44.365 --> 00:39:44.567
Yeah.

00:39:45.360 --> 00:39:54.275
So either way, I need to get paid at some point so that I can forward my lifestyle and we could pay for our house and our kids and all those things.

00:39:54.275 --> 00:40:01.403
But that's a free 30-minute meeting and I guarantee you you will get the value out of that and I give you that for free.

00:40:01.826 --> 00:40:13.248
Yeah, I mean I've seen some of the follow-up emails you've sent to people who were not a fit and I mean you could be charging for that information.

00:40:13.248 --> 00:40:14.351
I will say that.

00:40:14.351 --> 00:40:16.485
So, anyway, mean you could be charging for that information?

00:40:16.485 --> 00:40:17.449
I will say that so anyway.

00:40:17.510 --> 00:40:31.965
But when it comes to the couples and the woman wanting to know that they need help in reaching out and the man not being on the same page, you might want to take a look at our dream framework yes, dream, dive, reflect, engage, act, manage.

00:40:32.427 --> 00:40:37.961
We have an entire episode on it because there's there's clearly a communication breakdown there.

00:40:37.961 --> 00:40:46.927
So, you know, for those women who have men who are being prideful, who don't want to take the meetings, who don't want to get outside, outside help.

00:40:48.048 --> 00:40:59.840
Ooh, sis, I'm really sorry that's going to make things really difficult, um, like, I said at the end of the day it meant like there's nothing shameful about getting help.

00:40:59.840 --> 00:41:01.324
Nothing at all.

00:41:01.324 --> 00:41:03.208
We cannot be experts in all areas.

00:41:03.690 --> 00:41:03.909
Right.

00:41:04.311 --> 00:41:07.632
All you guys out there that have, you know your nine to fives, your job, your careers.

00:41:07.632 --> 00:41:09.260
I don't know how to do your career.

00:41:09.260 --> 00:41:15.072
I don't do that 40 plus hours a week, but you do and that's your area of expertise.

00:41:15.072 --> 00:41:16.646
This is my area of expertise.

00:41:16.646 --> 00:41:17.782
Let me help you guys.

00:41:18.402 --> 00:41:26.530
Yeah, all right, I feel like we could be ripping and ranting about so many other things but let's let these people go the world's crazy right now, man.

00:41:26.650 --> 00:41:27.271
It's crazy.

00:41:27.271 --> 00:41:37.775
Y'all protect your peace, protect your boundaries, turn off the news, find joy, do something good for your body, for your mind.

00:41:37.775 --> 00:41:41.891
I know I'm trying to do that every single day because it's a lot out here.

00:41:41.891 --> 00:41:44.079
So thank you all for listening.

00:41:44.079 --> 00:41:45.181
Share this with a friend.

00:41:45.181 --> 00:41:49.931
We'll talk to you soon, don't forget.

00:41:49.931 --> 00:41:54.405
Benjamin Franklin said an investment in knowledge pays the best interest.

00:41:54.405 --> 00:41:57.213
You just got paid Until next time.

00:41:57.213 --> 00:42:09.032
Thanks for listening to today's episode.

00:42:09.032 --> 00:42:11.940
We are so glad to have you as part of our Sugar Daddy community.

00:42:11.940 --> 00:42:20.048
If you learned something today, please remember to subscribe, rate, review and share this episode with your friends, family and extended network.

00:42:20.048 --> 00:42:22.601
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00:42:22.601 --> 00:42:24.487
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00:42:24.487 --> 00:42:35.585
You can also email us your questions you want us to answer for our past the sugar segments at the sugar daddy podcast at gmailcom, or leave usa voicemail through our Instagram.

00:42:39.260 --> 00:42:40.438
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00:42:40.438 --> 00:42:42.248
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00:42:42.248 --> 00:42:49.623
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