Transcript
WEBVTT
00:00:00.221 --> 00:00:01.284
Where did you learn that?
00:00:01.284 --> 00:00:05.676
Was that through your role in finance and production?
00:00:05.676 --> 00:00:11.753
Or was that just something that came from within, where you're like no, I'm going to test the waters and negotiate.
00:00:12.880 --> 00:00:14.769
Yeah, I've been asked that before.
00:00:14.769 --> 00:00:17.219
Even my therapist was like why do you do those things?
00:00:17.219 --> 00:00:19.330
Why are you okay with just starting over?
00:00:19.330 --> 00:00:21.359
I was like I don't know, Isn't that your job?
00:00:21.359 --> 00:00:23.321
To figure me out, You're?
00:00:23.341 --> 00:00:24.323
like I'm paying you for this.
00:00:24.323 --> 00:00:37.075
Hey everyone, Welcome to the Sugar Daddy podcast.
00:00:37.075 --> 00:00:48.911
I'm Jessica and I'm Brandon, and we're the Norwoods, a husband and wife team here to demystify the realm of dollars so it all makes sense while giving you a glimpse into our relationship with money and each other.
00:00:48.911 --> 00:00:50.564
We are so glad you're here.
00:00:50.564 --> 00:00:51.728
Let's get started.
00:00:52.380 --> 00:00:54.649
Our content is intended to be used, and must be used, for informational purposes only.
00:00:54.649 --> 00:00:58.009
It is very important to do your own analysis before making any investment based upon your own personal circumstances.
00:00:58.009 --> 00:01:05.533
You should take independent financial advice from a licensed professional in connection with, or independently research and verify any information you find in our podcast and wish to rely upon, whether for the purpose of making an investment decision or otherwise.
00:01:08.719 --> 00:01:12.546
Babe, I am so excited, Totally fangirling over here.
00:01:12.546 --> 00:01:16.875
We have Mandy Money on the podcast today.
00:01:16.875 --> 00:01:18.224
Can you believe it?
00:01:19.046 --> 00:01:19.748
You made it happen.
00:01:20.701 --> 00:01:23.206
Woo, I slid into my DMs.
00:01:23.206 --> 00:01:25.432
Listen, I love a good DM.
00:01:25.432 --> 00:01:31.552
Okay, if you do it the right way and you're genuine, I feel like amazing things can happen.
00:01:31.819 --> 00:01:38.171
I feel you have a really good job of reaching out to people that you don't necessarily know on Instagram and actually getting a response, because I don't think that would work so well for me.
00:01:38.171 --> 00:01:42.436
Well, I never would have slid into your DMs.
00:01:42.436 --> 00:01:42.819
You're amazing.
00:01:42.959 --> 00:01:44.888
You have to catch people at the right time.
00:01:44.888 --> 00:01:51.674
I once I slid into I like I didn't well, before sliding into DMs, I emailed someone I really admired, didn't hear back for like a year.
00:01:51.674 --> 00:01:58.367
I found out she had a brain aneurysm and I was like, oh, she hates me, but it turns out so, you never know.
00:01:58.367 --> 00:01:59.825
You got to, it's the timing, you know.
00:01:59.825 --> 00:02:06.536
So, even Even if they don't reach out, I'm constantly telling people to like cold LinkedIn, connect and send messages and stuff.
00:02:06.536 --> 00:02:08.989
And there is this fear like what if I don't hear back?
00:02:08.989 --> 00:02:12.187
And I'm like, if that's the worst thing that happens, just do it.
00:02:12.829 --> 00:02:13.711
That's my motto.
00:02:13.711 --> 00:02:14.693
What's the worst that can happen?
00:02:14.693 --> 00:02:21.368
Also, my connection request with you on LinkedIn is pending, so now that we're going to be best friends, I need that fixed, okay.
00:02:21.729 --> 00:02:26.401
Okay, great, call me out on it right now.
00:02:26.401 --> 00:02:27.302
I'll get in there?
00:02:27.323 --> 00:02:28.044
Okay, perfect.
00:02:28.044 --> 00:02:29.367
Well, listen, we're.
00:02:29.367 --> 00:02:30.730
We have a lot to talk about.
00:02:30.730 --> 00:02:36.647
Mandy is a big deal and I love, we love Brown ambition.
00:02:36.647 --> 00:02:38.611
We love Mandy moneymakers.
00:02:38.611 --> 00:02:44.108
Listen, I will be up in my bed anytime you do, you know a free workshop or anything.
00:02:44.108 --> 00:02:48.504
I'm there in the bed with my headphones on and I'm like you got to put the kids to sleep.
00:02:48.504 --> 00:02:49.830
I've got a session.
00:02:49.830 --> 00:02:51.467
I've got to listen to what Mandy has to say.
00:02:51.467 --> 00:02:58.811
So huge fan, so honored and delighted to have you here, while making a whole human and all the things.
00:02:58.811 --> 00:03:00.954
Yeah, likewise, thank you for having me.
00:03:00.954 --> 00:03:01.981
Yes, of course.
00:03:01.981 --> 00:03:09.746
So let's get into this bio so that everybody understands who you are and why I'm so excited and why you're such a big deal.
00:03:09.746 --> 00:03:11.510
Okay, all right.
00:03:11.510 --> 00:03:21.848
Mandy Woodruff Santos is a globally recognized career expert, founder of the Mandy Moneymakers and co-host of the two-time almost three.
00:03:21.848 --> 00:03:22.931
We're going to speak it into three.
00:03:23.120 --> 00:03:24.545
Today we found out, we won.
00:03:24.545 --> 00:03:26.875
Oh my God, I we found out.
00:03:26.915 --> 00:03:27.276
We won.
00:03:27.276 --> 00:03:32.580
Oh my God, Congratulations.
00:03:32.580 --> 00:03:33.524
I voted Yay, congratulations, Thank you.
00:03:33.524 --> 00:03:39.165
Okay, so three-time Webby award-winning podcast Brown Ambition, we will link it because it's amazing and I love the conversations you and Tiffany have.
00:03:39.165 --> 00:03:48.379
Through her online career coaching community, the Mandy Moneymakers, she is on a mission to help women of color achieve their wildest financial and career ambitions.
00:03:48.379 --> 00:04:03.455
With over 6 million podcast downloads and over 65,000 followers across Instagram, TikTok, LinkedIn and more, Mandy has created a unique community of BIPOC baddies ready to stop settling for less and level up in their careers.
00:04:03.455 --> 00:04:06.759
Ready to stop settling for less and level up in their careers.
00:04:06.759 --> 00:04:22.310
As a negotiation and career expert, Mandy is a regular contributor to Yahoo Finance Live and has been featured on the New York Times, CNBC, CNN, the Dr Phil Show, ABC World News Tonight, CBS this Morning, Business Insider, Essence, Teen Vogue and more.
00:04:22.310 --> 00:04:23.492
Girl do you sleep?
00:04:24.480 --> 00:04:25.043
Yes, lots.
00:04:26.249 --> 00:04:28.639
Oh, maybe that's, maybe that's, let's keep this in perspective.
00:04:28.940 --> 00:04:31.187
This is this took a decade to build that bio.
00:04:31.187 --> 00:04:35.379
Okay, so I'm not doing that every day, but yeah, overnight success that took 10 years, right?
00:04:37.762 --> 00:04:40.447
well, listen, that bio is on fire.
00:04:40.447 --> 00:04:42.550
I'm I'm so proud of you.
00:04:42.550 --> 00:04:54.103
I've I feel like I've been on this journey with you and I've seen the growth and just everything that you've done for the community and I just think it's really incredible, so you have so much to be proud of.
00:04:54.605 --> 00:04:55.286
Thank you.
00:04:55.286 --> 00:04:56.651
Thank you so much, I receive it.
00:04:58.701 --> 00:05:05.331
So we want to kick off with your first or earliest money memory today.
00:05:06.233 --> 00:05:10.788
Yeah, whenever people ask me this question, I tend to well, there's a couple and they're both like kind of sad.
00:05:10.788 --> 00:05:21.084
But the first one is I remember my I'm a child of divorce and I always want to say Adele, divorce, both of us.
00:05:21.084 --> 00:05:21.766
Yeah.
00:05:21.766 --> 00:05:27.834
So I remember my parents constantly fighting about money and that was definitely one of the precipitating factors that triggered their divorce.
00:05:27.834 --> 00:05:45.461
But I was around I don't know like between seven and 10 and they had a particularly bad fight and I had this like pencil shaped like a Crayola crayon, shaped piggy bank, and I remember I left it out overnight with like a little note for my mom Like I hope this helps, please don't fight anymore note for my mom like.
00:05:45.480 --> 00:05:45.862
I hope this helps.
00:05:45.862 --> 00:05:46.444
Please don't fight anymore.
00:05:46.444 --> 00:05:46.704
I told you.
00:05:46.725 --> 00:05:48.649
It was sad I was not expecting that I know.
00:05:48.649 --> 00:05:58.187
And then the other one that I tell is like my mom going to jc penny, like we would go together and she was always looking for like a bigger accordion wallet, like the ones that could fit more cards.
00:05:58.187 --> 00:06:01.158
You know the big fat suckers that they used to sell.
00:06:01.158 --> 00:06:02.141
Do they still sell them?
00:06:02.141 --> 00:06:17.065
Um, those, those are some of the you know those moments for me, yeah, so money was in, not in high supply and not necessarily something that sparked much joy and in my, in my youth.
00:06:17.065 --> 00:06:20.814
But that all changed when I learned I had control in my 20s.
00:06:21.019 --> 00:06:32.536
It was great I always find it so interesting when you hear about, you know, people's early money memories, because you know two individuals can have the same or a similar money memory but how they respond to it can be, you know, completely different.
00:06:32.536 --> 00:06:42.505
You know, like for me, like I was fortunate enough that even though my mom raised my brother and I from you know, basically age fives when my parents got divorced, that luckily, money was not an issue for us.
00:06:42.505 --> 00:06:46.451
You know my mom was a college professor and she was, you know, financially responsible.
00:06:46.451 --> 00:06:53.928
So but you know her frugality is what I picked up on because, you know, with her being a single mom, making sure that my brother and I had everything.
00:06:54.420 --> 00:06:54.781
Yeah.
00:06:54.982 --> 00:06:57.810
Very frugal woman still to this day, even though she doesn't need to be.
00:06:57.810 --> 00:06:59.322
But that's exactly how I am.
00:06:59.963 --> 00:07:01.124
Yeah, she had no safety net.
00:07:01.124 --> 00:07:02.646
Yeah, of course it was just her.
00:07:02.646 --> 00:07:04.548
So, yeah, I have.
00:07:04.548 --> 00:07:06.290
I just want to.
00:07:06.290 --> 00:07:16.264
I just want to like acknowledge single moms I just think that they're freaking or single parents in general, just freaking superheroes, what they have to do Now that I'm a father?
00:07:16.865 --> 00:07:19.812
I tell her every day I was like I have no idea how you raised my brother.
00:07:21.079 --> 00:07:28.291
My husband's really afraid of me dying now Like he thinks about my mortality way more than ever because he's like you can't go anywhere, yeah you can't do it alone.
00:07:28.353 --> 00:07:29.095
You can't do it alone.
00:07:29.095 --> 00:07:30.444
I don't know.
00:07:30.545 --> 00:07:33.338
I feel the time I was like she would be the better single parent than I would.
00:07:33.538 --> 00:07:37.516
I don't think I wouldn't be I don't know about that, but do you think that men do?
00:07:37.516 --> 00:07:38.680
Because you know we're there.
00:07:38.680 --> 00:07:42.348
But if you had to, you would rise, don't you worry, you'd be the best.
00:07:42.487 --> 00:07:43.370
Never has never.
00:07:43.370 --> 00:07:45.793
That's the case, hopefully never has to.
00:07:45.899 --> 00:07:49.889
But you know, I'm in my hormonal era so I think about the worst all the time.
00:07:49.910 --> 00:07:52.461
I know, I know one of um doomsday.
00:07:52.461 --> 00:07:55.807
You're like what's the um?
00:07:55.807 --> 00:08:03.185
The show that we used to watch um that's us where they would do the worst case scenario and they, like would go really dark.
00:08:03.185 --> 00:08:03.886
Did you watch that, oh?
00:08:03.925 --> 00:08:05.949
yeah, yeah, yeah, yeah.
00:08:05.949 --> 00:08:06.870
What's what are the?
00:08:06.870 --> 00:08:08.632
Beth and Randall?
00:08:08.632 --> 00:08:13.192
Yes, I love that, you know honestly, and I've got a friend of mine for our news to Robbie.
00:08:13.213 --> 00:08:37.504
She's another really excellent podcaster and personal finance educator and she has a book coming out called healthy state of panic and I just love the title and the premise because I believe and through my own coaching, like as a career coach and negotiation coach, a lot of my practice and my philosophies are based on being ready for what if you know, but not necessarily letting that keep you in bed under the covers Like why do I even bother?
00:08:37.504 --> 00:08:39.873
But how can that propel you forward?
00:08:39.873 --> 00:08:45.105
How can that make you make smart decisions with your career so that you are better prepared you?
00:08:45.105 --> 00:08:49.815
I like to live in the space of optimistic optimism, but also reality.
00:08:51.020 --> 00:08:55.211
Yeah, as a financial advisor, I plan for worst case scenario Exactly.
00:08:55.211 --> 00:08:58.770
It's not going to happen, but if we can get through worst case scenario, then you're good.
00:08:59.341 --> 00:09:00.927
Yeah, exactly A hundred percent.
00:09:01.059 --> 00:09:01.721
Yeah, well.
00:09:01.721 --> 00:09:16.687
And two, sometimes the planning aspect of planning for the worst helps lessen that fear and anxiety, because then you do end up prepared Right and then, when you're not faced with the worst, then you can celebrate.
00:09:17.269 --> 00:09:29.261
So I think you think about the worst long enough to prepare, and then you let it go, because you can't ultimately predict or you know, but it makes you feel like you know, that you've got the safety net, you know that you've got things in place, you know, and then?
00:09:29.261 --> 00:09:36.124
But the point, the key is not to get stuck in that cycle of only living in the space of bad things will happen Right.
00:09:36.524 --> 00:09:38.871
Yeah, cause that's debilitating and not healthy.
00:09:39.320 --> 00:09:43.625
I also say like a lot of people have anxiety around money for like two main reasons.
00:09:43.625 --> 00:09:45.587
One, the lack of financial literacy.
00:09:45.587 --> 00:09:48.331
So you know, they just simply don't understand and don't know what they're supposed to do.
00:09:48.331 --> 00:09:50.514
But then also the second part is that they don't have a plan.
00:09:57.808 --> 00:10:00.498
So you know, having a plan in place obviously helps lessen a lot of that anxiety.
00:10:00.498 --> 00:10:01.059
Yeah, I totally agree.
00:10:01.059 --> 00:10:05.553
The hard part is convincing people to do that work when they're just in survival mode every day, doing their best.
00:10:05.553 --> 00:10:07.011
You know, yeah, so you do that work.
00:10:07.032 --> 00:10:17.203
Well, Brandon, one of his favorite things to say is if I have to convince you that you need a financial advisor, you're not ready, Cause he's like you need to come to me knowing that you are ready for help.
00:10:17.203 --> 00:10:28.446
And he said we were planning for another event that we have this week, and he made the analogy of you don't go to a personal trainer when you've got a six pack of abs and 11% body fat.
00:10:28.446 --> 00:10:37.370
You go when your goal is to get there, if that's what it is, and so, same thing, you don't go to a financial advisor once you have millions.
00:10:37.370 --> 00:10:43.672
You go when you have the means to pay for one and you're ready to receive the guidance and the education.
00:10:44.580 --> 00:10:46.346
So yeah, either way.
00:10:46.346 --> 00:10:48.067
I think sometimes it happens the other way too.
00:10:48.067 --> 00:10:52.250
I think sometimes you, especially with you, know me and my career.
00:10:52.250 --> 00:10:58.551
It wasn't until I had extra money to think about that I was like, okay, maybe I should be doing something with this.
00:10:58.551 --> 00:11:04.625
And then I, and then you start thinking what else can be done beyond the 401k and you start getting like a little ambitious.
00:11:04.625 --> 00:11:12.370
And then that thing, that's where you need someone to like rein you in and remind you that you know the, the basic vanilla financial.
00:11:12.370 --> 00:11:16.964
You know practices are really the sexiest things you could be doing, you know.
00:11:18.025 --> 00:11:20.491
I always say you know, good financial planning is boring.
00:11:20.759 --> 00:11:21.741
It's not sexy.
00:11:21.883 --> 00:11:23.765
Yeah exactly.
00:11:24.366 --> 00:11:34.519
Well, Mandy, so you mentioned the bio, taking you 10 years to get to right education and the training that you're doing with your Mandy moneymakers.
00:11:34.519 --> 00:11:37.808
You were a financial journalist, editorial leader.
00:11:37.808 --> 00:11:51.582
Talk to us about where Mandy moneymakers came from, where that started, why that started and how it's grown over the years.
00:11:51.964 --> 00:11:55.796
Well, I'm a sucker for alliteration and I'm lazy, so Mandy Moneymakers just came from that I had, yeah.
00:11:55.796 --> 00:11:56.357
So I started my career.
00:11:56.357 --> 00:12:02.522
Well, I studied as a journalist and when I moved to New York, I sort of accidentally found my way into covering personal finance.
00:12:02.522 --> 00:12:04.725
It was the great recession and I learned that.
00:12:04.725 --> 00:12:05.506
I really loved it.
00:12:05.506 --> 00:12:08.472
It was juicy and there was enough to sink my teeth into.
00:12:08.472 --> 00:12:17.826
I felt like I was challenged and I felt like there was a need for it to have really great reporters and reporting of what was happening, especially for millennials from my generation, our generation.
00:12:17.826 --> 00:12:22.160
And then I did really well.
00:12:22.260 --> 00:12:28.994
I spent the next decade really building a brand and a reputation as a great financial journalist.
00:12:28.994 --> 00:12:30.306
And then I wanted to be a leader.
00:12:30.306 --> 00:12:54.359
I knew I had the stuff to be a leader, so I pursued an opportunity to run content for a startup and that sort of kicked off a six-year period where I was on the other side not necessarily writing as much, but managing writers and managing a team and overseeing strategy, and that introduced me to a whole different side of corporate and went through an acquisition and it was all great.
00:12:54.359 --> 00:13:03.067
And then, around 2021, I took what I thought was going to be a dream job for myself and ended up not being a dream job for myself and ended up not being a dream job.
00:13:03.067 --> 00:13:08.573
And I was so lucky that when it didn't work out, I didn't have to immediately scramble to get another.
00:13:08.573 --> 00:13:09.995
Nine to five.
00:13:09.995 --> 00:13:26.039
I had time to reflect and it was with my financial advisor shout out to Brandon and the work that you had to do my financial advisor, helen, that we had a meeting after I decided not to go back and she was the one to say you could do this.
00:13:26.039 --> 00:13:32.222
I've seen what you've done in five years and if you want to branch out on your own, you've got the savings for it.
00:13:32.222 --> 00:13:34.807
You've got something you can do.
00:13:34.807 --> 00:13:35.730
You can do it.
00:13:35.730 --> 00:13:54.384
And I was like, okay, and I really credit my 22 through 28 year old self for making some really key financial choices that enabled me to be in a position where I could start my own business and not have to go back and work for someone else because I didn't want to at that time.
00:13:55.326 --> 00:14:08.241
So I spent 2021, I got some consulting clients to bring some income in immediately and then I played and then I wanted to see could I talk about career?
00:14:08.241 --> 00:14:09.625
Could I help people and coach them?
00:14:09.625 --> 00:14:15.692
I had been doing it for so long through Brown Ambition I've always been the nine to five girly and Tiffany was always the business baddie.
00:14:15.692 --> 00:14:23.961
So we had a great kind of you listen, we had a great sort of we could just very complimentary to one another with our skills and our knowledge.
00:14:23.961 --> 00:14:27.645
And then I started to offer free sessions.
00:14:27.645 --> 00:14:50.410
I like posted on IG, 200 women signed up and I was doing free half hour coaching sessions through like six months over a six month period, wanted to get in to the heart of what women were going through, women of color, what was plaguing us in our careers, what kept us up at night, what we needed and you know it was unique.
00:14:50.451 --> 00:14:56.711
It was a sense of isolation and, um, the sense of feel.
00:14:56.731 --> 00:15:08.431
You know what the, the comp like, the compounding impact of being the only one or being one of few for years and years and years throughout your career, and creating this sense of like I'm lonely.
00:15:08.431 --> 00:15:14.326
I want community, I want connection, I want more confidence and not really having a place to go for that.
00:15:14.326 --> 00:15:18.243
So from that I decided to launch my community.
00:15:18.243 --> 00:15:39.014
So it's not just a career coaching course or a place where I do group coaching, but it truly is a place where these women from so many diverse backgrounds, so many different countries now I've got makers in Kenya, nigeria, australia so it's great and we gather together and really lift one another up.
00:15:39.014 --> 00:16:03.847
And that is what I think is really unique about my community and my program, because I truly listened to what women were wanting and it wasn't just teach me how to negotiate, it was teach me how to survive after the negotiation, teach me how to have a support system in place so that, when and if something goes wrong, I have a place to go to for support and to bounce back from.
00:16:05.250 --> 00:16:05.730
I love that.
00:16:05.730 --> 00:16:07.832
I do want to pivot back.
00:16:07.832 --> 00:16:09.394
All of that was amazing.
00:16:09.394 --> 00:16:17.581
I want to pivot back to what you said at the very beginning, with your money memory you putting your Crayola piggy bank on the table, trying to help mom.
00:16:17.581 --> 00:16:19.845
You were living in New York.
00:16:19.845 --> 00:16:20.664
You were young.
00:16:20.664 --> 00:16:32.842
I've listened to all of you Georgia, I'm from Georgia yes, but then when you moved to New York and you were working yes, yes, yes, salary wise like you were making a good living, but it's New York, so you weren't right.
00:16:33.264 --> 00:16:41.099
Well, I wasn't, and it's also New York so doubly so I was not making great money, exactly I was making like 30K, yeah, but you had savings.
00:16:41.379 --> 00:16:51.445
How did you learn that you needed savings and how to be fiscally responsible so that you didn't have to go back to a toxic work environment when you were like this is not working?
00:16:51.529 --> 00:16:54.418
Yeah, especially since it wasn't, I guess, modeled for you, right.
00:16:55.179 --> 00:16:55.922
Yeah, exactly.
00:16:55.922 --> 00:16:58.035
Well, I think that the I had enough.
00:16:58.035 --> 00:16:59.620
I don't know.
00:16:59.620 --> 00:17:09.122
I was always the kind of person to observe and to really see how people in my family were responding to certain events and then critically think about how I would do it differently.
00:17:09.122 --> 00:17:24.191
And I felt like when I was in my twenties I felt like I had the stage now like I'm going to show them I can do things differently and I'll do it this way go to college and not, you know, not have a bunch of kids and you know, and and try to be fiscally responsible.
00:17:24.191 --> 00:17:26.997
Of course, I thought I knew it all and I was like perfect and whatever.
00:17:26.997 --> 00:17:28.038
I obviously wasn't.
00:17:28.881 --> 00:17:36.142
Um, yeah, right like every 20 year old but yeah, but for me, when I moved to New York, I I got a job.
00:17:36.162 --> 00:17:56.509
I, you know, I got a job during the great recession at a magazine which was my dream, and three months into working it I was lit, I was laid off, and for me that was a really early wake-up call that if I didn't get it together sooner rather than later, um, I would end up I was no different than other people that I had judged, you know, like it doesn't have to be because you did something wrong.
00:17:56.509 --> 00:18:04.503
It's just that, you know, something out of your control happened and you just didn't happen to have what you needed to push, to bounce back.
00:18:04.503 --> 00:18:10.634
And I remember that feeling of financial insecurity and being like I thought I was going to be different, you know.
00:18:10.634 --> 00:18:24.025
And so, from there, it was really dedicating myself to education and, like I said, I accidentally ended up covering personal finance a couple of years later and that really gave me such a great, you know, such a great education.
00:18:24.025 --> 00:18:32.035
I literally got to talk to people like yourself, brandon, every day and pick their brains about what we should be doing, and I took their advice for free.
00:18:32.435 --> 00:18:56.691
I'll quote you an article, but I don't know what to do if I've been let go and I learned about the 401k and I learned about contributing 10% and how compounding interest works and little by little, it felt like I was unlocking cheat codes that hadn't really been available or taught to me, like so many others in my position, and that's really what made a difference.
00:18:56.691 --> 00:18:57.492
I don't know.
00:18:57.492 --> 00:18:59.576
I mean, I do and I don't.
00:18:59.576 --> 00:19:07.827
I don't know if I hadn't had to do it for work, I don't know how quickly I would have really embraced financial education.
00:19:07.827 --> 00:19:09.384
I was definitely attracted to, like.
00:19:09.384 --> 00:19:10.873
There was a lot of bloggers that came out.
00:19:10.873 --> 00:19:13.720
Tiffany, for example her budget needs to blog.
00:19:13.720 --> 00:19:21.117
I met her because I wrote about her for business insider when I was a reporter there, because I was looking for cool, you know, financial educators.
00:19:21.117 --> 00:19:27.357
But I really am grateful that I had that opportunity to make it my job to get smarter about money.
00:19:28.922 --> 00:19:29.442
Oh, I love that.
00:19:29.650 --> 00:19:32.098
I was actually living in New York during the great recession as well.
00:19:33.170 --> 00:19:36.319
Okay, we survived, barely made it out.
00:19:36.450 --> 00:19:37.433
I was only there for a few months.
00:19:37.433 --> 00:19:41.794
Then I was like I don't think this is quite for me, so oh, really A few months.
00:19:41.794 --> 00:19:42.617
Scaredy cat.
00:19:42.617 --> 00:19:45.680
I was there for when I say a few, probably like five or six.
00:19:50.150 --> 00:19:51.693
Yeah, oh pish posh, that's an internship, I'm just kidding.
00:19:51.693 --> 00:19:52.616
Fine, where do y'all live now?
00:19:53.178 --> 00:19:54.561
We're in Raleigh, yep, right outside of Raleigh.
00:19:54.890 --> 00:19:56.974
I just read the book on the top shelf and I'm like duh.
00:19:56.974 --> 00:20:00.644
Oh, yeah, yeah.
00:20:00.644 --> 00:20:01.866
I was like what book?
00:20:01.866 --> 00:20:16.556
Yeah, that is that's where we are great city.
00:20:16.556 --> 00:20:17.152
If you're ever here, definitely let us know.
00:20:17.152 --> 00:20:17.938
The carolinas are popping man.
00:20:17.938 --> 00:20:18.730
Everyone wants to live in the carolinas now and georgia cost of living is not bad.
00:20:18.730 --> 00:20:19.277
Yeah, the cost of living.
