November 12, 2025 • 46 mins
Hey BA Fam! As the temperatures drop and the days get shorter, Mandi Money is keeping it real about what this season can bring emotionally, financially, and politically. In this episode, she dives into how seasonal changes can impact our moods and motivation, why planning ahead for the holidays can save both your sanity and your wallet, and how collective action like economic boycotts can actually shift power back into our communities.
Mandi also weighs in on the latest job market trends, from tech layoffs to nonprofit funding challenges, and reminds us that art and community engagement aren’t just “nice to have” they’re essential for keeping our spirits up during tough times. This episode blends real talk about finances with a call to reconnect with yourself, your family, and your neighborhood.
Key Takeaways:
- Seasonal changes can seriously impact mood and productivity, make space for rest and light.
- Create a cozy winter vibe to help ease the seasonal blues.
- Planning ahead for the holidays can prevent stress and financial strain.
- Boycotting major corporations can be a powerful act of community empowerment.
- Honest conversations about money can strengthen family bonds.
- Political and economic policies have real effects on our day-to-day lives.
- Support local artists and small businesses they keep culture alive.
- Job cuts are rising, especially in tech and nonprofit sectors stay informed and proactive.
Join the conversation:
We’d love to hear how you’re embracing your calling! Drop us a note or tag us on social using #BrownAmbitionPodcastand let us know your biggest takeaway.
See omnystudio.com/listener for privacy information.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hey, ba fam, let's be real for a second, and
y'all know I keep it a book. The job market
has been brutal, now not brutal trash, especially for women
of color. Over three hundred thousand of us have disappeared
from the workforce this year alone, and not by choice,
but because of layoffs, disappearing DEI programs, and stagnant wages
(00:20):
that keep cutting us out of opportunity. Our unemployment rate
has jumped to over seven percent, while our pay gap
continues to widen. I know all of that sounds dire,
but here's what I want y'all to know. You do
not have to wait for the system to save you.
That's exactly why I created the Mandy money Makers Group
coaching community. It is a coaching community that is built
(00:41):
for us by us. Inside the community, we're not just
talking about how to negotiate or to how to get
the job that you want. It's about finding purpose in
your career. It's about finding communities and others, feeling seen,
feeling heard, and also having a sounding board and a
mirror to reflect your own magic, your own sparkle right
(01:03):
back to yourself. In this community, you'll get group coaching
led by me, but you also get peer to peer
accountability with proven tools and resources that can help you
do what we have always done since rise. Even when
the odds are stacked against us, despite all the challenges,
we will rise. If you're interested in joining the Mandy
(01:24):
money Makers community and having that support to bolster you
and help you tap back into your magic so that
you can lead your career with intention and heart and
your own intuition, trusting that again, please join us. You
can find information in the show notes of today's episodes,
or go to mandymoney dot com slash community. That's Mandy
(01:47):
m A n d I money dot com slash community.
I would love to see y'all there. Enrollment is open,
so please go check out mandymoney dot com slash community today. Hey, hey,
bea fam You know what, at a certain point, I
just have to hit record. I will sit here for
(02:10):
hours talking to y'all in my head, preparing everything that
I want to talk about, what's happening in the news,
things that I think are really relevant, catching up and
I swear I've been sitting here for like three four hours,
and I'm like, girl, if you don't hit record, they're
not going to get a show, and I just can't
do that to y'all, not at a time like this.
(02:30):
So Hello, be a fam Welcome back to the show.
It's your girl, Mandy Money. I could not be happier
to be here with y'all today. It's snowing. I don't
know what to make of that. It's Veterans Day. Shout
out to our black and brown veterans. We see you,
We honor you, and thank you so much for your service.
(02:53):
And yes, your service matters and we are just so grateful,
so we want to honor you today. How are y'all?
How are y'all feeling? Daylight Savings time is over? So
I want to do a check in with my girls
and guys. If y'all are struggling with the shorter days,
the longer nights, I'm right there with you. I actually
(03:14):
want to make a game plane with y'all, a game
plan on how we are going to get through this
dark winter. It can really start to affect your mood.
It can make it hard to show up and do
the work that you know you need to do to
get the coins that you need to survive. I feel it.
It also can feed into any anxiety and depression underlying
that you may already have going on. It's so much
(03:36):
harder to get up and push and to get through
those difficult times when you look out the window and
it's gross, it's gray, it's dark, it's gloomy. Something that
has helped me other than getting one of those therapeutic
daylight monitors kind of things. I'll put a link in
the comments that the one from the one that my
therapist recommended to me a few years ago. The one
(03:58):
that I have is big and clone. She's a big girl,
and I especially used to use this daylight. It's basically
a big monitor, like the size of a computer monitor,
that shines bright daylight at you and you use it
sort of like a form of therapy. So in the morning,
when I was working down in my cold, dark basement
that barely had half a window, I especially needed that
(04:21):
kind of light therapy, so I would plug it in.
And I think it's recommended. I mean, you can talk
to your doctor, but between like twenty to thirty minutes
is what I was sort of going for, and I
would try to do something. It's very bright, so I
would try to meditate or just listen to some music
while it was sort of just beaming on me. And
(04:41):
it's meant to just be a way for your body
to wake up, to know that it's daytime and to literally,
you know, get your body to generate some energy and
to can really help you stave off that seasonal depression.
So that's one thing, but something that I'm trying this
year because I don't have the same iss. I'm up
in the daylight. My office is set up, I have
(05:03):
a window. I can look out of it. I can
see the light. It's very nice. However, the shorter days
do challenge me, especially when it comes to, you know,
just getting the time, getting the energy to work and
to work for my after my after work job, which
is you know, finishing the book, the brand Ambition book.
So for me, I'm really going I'm leaning into the
(05:24):
whole idea of romanticizing winter. I recently purchased a brand
new pair of fuzzy nice house slippers. I tend to
run my house slippers ragged. For those of you who
work from home and you're always in your slippers like
maybe you're with me, but I wear them joints out.
So I needed a new pair, and I didn't just
get a cheap pair from TJ Max. I got a
nice pair, very comfortable, very cozy. Picked up it because
(05:49):
you can never have enough cozy blankets, right, I got
a new blanket for myself. And I went to the
library and while I was there, I picked up a
cozy like cookbook. I got a cookbook that has a
bunch of like good seasonal, like holiday recipes and soups
and baked goods. And I decided that at least once
(06:09):
a week, I'm going to try to go to the
grocery store, bring my kid with me. He loves helping
me in the kitchen, and we're just going to pick
a new recipe and try some new cozy recipes. So
last night I was kneading dough, I made some I
made homemade bow buns, which is one of my favorite
things to eat out. I love bal buns. Pmn't tried them.
(06:30):
I don't know what you're waiting for. And I made
this recipe and it was so good. I'm not going
to say the bow buns turned out perfectly, but like
I for my first time, for my first try, okay,
this ain't the Great American bakeof like, I did my best,
but it was good and it kind of yeah, and
it did make the evening, made the evening a little
bit more sparkly and fun, and the kids had fun
(06:52):
watching me make a huge mess. And yeah, so romanticizing
it by having some fun little like, you know, new
recipes to try and looking forward to the holidays. I'm
trying to make plans. I know, even now, there's some
of y'all who before Mariah Carey even told y'all it
was time y'all had your holiday calendars planned out. That
(07:13):
is not me. Nah, it's not me. I have so
much going on, but I have tried to plan a
couple of things now. The holidays is one thing what
really gets difficult is that January February post holiday slump.
This is when we really need to be on it, y'all.
What are we doing in January to soothe ourselves to really,
(07:34):
you know, get out of those winter doldrums when it's
not so cute because the lights are taken down, you know,
there's not a ton of holiday events to look forward to.
One of the things I'm looking forward to that I'm
going to bring back this year is I hosted a
Mama's Night In party a couple of years ago post
(07:54):
holiday season, just to appreciate the moms in my life
and all the hard work that we do making that
holiday magic happen. Because the kids don't know, but Santa
Ate real, it's us, it's me, We're doing it. We're
making the sparkles happen, right So just to give a
night just for mamas. We make nice food, make cocktails,
We get together and support one another. So that's something
that I'm really looking forward to. So again, just heading
(08:18):
into the winter months, we don't have that much like
think of it this way. In just another month, we're
going to be the days will start to get longer,
you know, once we get past that winter solstice. But
if you, like me, are thinking okay, here comes the darkness,
just let me know what you're sort of doing to
take care of yourself and to get through, you know,
(08:40):
these cold, cold months in our lives. Right now, All
right now, speaking of hearing from y'all, I want to
share a couple of listener reviews. Y'all have been making
your girl blush. I happen to be checking out our
reviews on Apple, which I haven't checked in a minute,
and couple of really really sweet reviews I wanted to read.
(09:03):
One is from listener Kia Real. Keia says, I have
been listening to you for years. Your episode taking Off
the Mask resonates with me. We support you. Taking off
your mask makes you human and relatable. Thank you, Kia,
that's so kind. And also another listener, this one doesn't
(09:23):
really have a real name. Stsp eight says Mandy, It's
okay to be depressed. I started therapy again this week.
I felt myself spiraling into the dark spaces, and I'm
fighting my way back to the light. Fight when you
can rest, when you're tired, cry when it hurts. You
have to live where you are. It's okay. I'm proud
(09:44):
of you for sharing your struggles. Your honesty is helping
me heal. Well. Way to make your girl cry on
a Tuesday, Well, it's knowing outside. Thank you. Thank you
so much. Y'all's support love. You know. Whether or not
you know the idea of being relatable, it's not necessarily
(10:05):
always the goal, I guess, but I think whether you're
going through something similar to me or you have in
the past, I think it's just an act of like
love and for me, authenticity. I really abide by that,
and I want to bring my full self to this
show so that y'all really can understand what's going on
(10:25):
behind it. And you know what's happening behind you know
the mask the curtain a little bit. And I honestly
trust y'all, I genuinely trust you be a fan like
I trust you with the like a little bit of
a deeper inside look into what I'm going through. And
we have built this community, this relationship, you and I,
you and us for ten years now. If this was
(10:48):
just a podcast I started last month, I don't know
I'd be sharing all this. But when you feel that
really connected to your community, of course I'm going to
show up for y'all and you know, be authentic in
that way and you're you're showing me the love right back,
and I just I just say thank you so much
for that. Now, speaking of the holiday season, I wanted
to talk about the idea of this boycott. There is
(11:09):
this I think I talked about this a little bit
last week that you know, I was on the Win
with Black Women, zoom call that happens every other weekend,
amazing call. If you're not registered, go register Win with
Black Women. I'll put the link in the show notes
for y'all. But that was the you know, there were
some conversations around, you know, we should be really voting
(11:30):
with our dollars in a way and being mindful about
where we're spending this holiday season. And then, of course
there's a larger, more organized boycott right now that's happening
through a couple of different civil rights and social justice
organizations to make a d Mallories until Freedom. There's a
(11:51):
couple of others, but the idea is we're going to
be boycotting, all right, not just boycotting target, but actually
going beyond that, and specifically they want us to boycott
Amazon Home depot target of course, and make sure that
this boycott lasts between Black Friday, which is November twenty eight,
through Cyber Monday, December one. But if you're gonna ask me,
(12:14):
like why wait until Black Friday? Like why not just
start the boycott now? Let's make it happen, all right.
So in the press release, they say, from cravenly abandoning
their commitments to diversity, equity and inclusion, to enabling the
terrorizing of our communities, corporate collaboration must stop. They're urging
(12:35):
the boycott until these major retailers cease collaborating with and
enabling this administration's harmful policies. From the day he stepped
foot into office, Donald Trump has done everything he can
to tear apart the fabric of our communities and strip
us of our power and the necessary tools to help
us resist his fascist agenda. Instead of fighting back and
(12:59):
supporting the people who put money in their pockets, corporations
and retailers have bowed at Trump's feet. But we ain't
buying it. That's quote from Latasha Brown, who co founded
Black Voters Matter, which is one of the organizations behind
this protest. So the theme is we ain't buying it.
Your wallet, your power. You can actually if you want,
(13:21):
like the signed the petition to pledge that you will
not be buying it. Wait, what did I just do? You? Sorry?
The Wisconsin white girl and me just came out, not me.
What's the opposite of codes which we will we will
(13:43):
not be buying it. No, we ain't buying it. Anti
Trump groups that are calling on an economic boycott ahead
of Thanksgiving weekend, you can sign that petition. I'll put
the link in the show notes. Whatever you want to
call it. We will not be buying it. We ain't
buying it, y'all just sign But the point is, let's
actually take our money and honestly, in this economy, the
(14:04):
limited money and resources that we have, and make sure
that we are pouring back into the communities to support
one another. So I will absolutely be looking to buy
black and brown this holiday season. Let me know where
y'all are shopping this holiday season, if at all, if
you're planning to take part in this boycott, let me know, honestly,
(14:27):
even this is one of those years where if you
go ahead and talk to your family now, especially if
you have a situation and we've talked about this on
the podcast in the past, you have a situation where
you know some people in your family are struggling and
others are doing okay, and maybe traditions of holiday past,
like you know, you would do like what do you
(14:48):
call like a white Elephant or a secret Santa, or
people would get everybody would get gifts, and you get
gifts for your you know, your sister's kids, your brother's kids,
and the whole thing. And if that's not feasa for you,
I think that this is a really good time to
go ahead and have those heart to hearts with your
family and just let them know what you're going through
and listen. Being vulnerable is not easy, having only just now,
(15:14):
I think recovered from my own vulnerability hangover from sharing
with y'all what's been going on, you know, a few
weeks ago on the show. I get it. It can
be really challenging. But I think what's even more painful
than if you were to be vulnerable and honest with
your family about what's going on is if you push
your way through the holiday season trying to fake it
(15:34):
till you make it, you know, putting yourself in a
precarious financial situation. If you, you know, try to buy
the things and to be at that level that you
were financially, you know a year ago or even a
couple of years ago, when you're actually not. You could
potentially be racking up credit card debt. That's just going
to be a cruing interest. And it may feel good
(15:54):
in the moment, and listen, I know, I mean literally,
research shows it feels good to be a giver, right
and to see people open your gift and to see
the light on their face, and that is really beautiful. However,
think of yourself a couple of months down the line,
opening that credit card statement and saying, oh my goodness,
(16:15):
I can't afford to pay all this off. Now you've
got double digit interest that's you know, piling on top
of that. And while they're off enjoying the present that
you got them, you're still you know, facing those bills.
And I just want to, you know, we have to
take a moment and slow down and you know, not
get so caught up in the immediacy and the here
(16:36):
and now, and think about ourselves in the future and
try to visualize that version of yourself in the future.
I know on the show, Tiffany would always talk about
her eighty year old self Wanda, And you know, I'm
not even talking about eighty year old while I'm talking
about like a few months from now. Think about yourself
and that's going to be the dark winter, doldrum season. Okay,
(16:57):
post holiday I think honestly, I think the financial over
the holidays is one of the reason it can be
really depressing post holiday season. So I don't want that
for us. I don't want that for you. So I'm
really encouraging all it to have those conversations, even if
they are a little bit uncomfortable, go ahead and have
them now, and make plans with your family and your
loved ones, chosen family, whatever it make, your community. Make
(17:20):
a plan that doesn't involve, you know, putting yourself in
a precarious financial situation. That may mean, Okay, we're not
going to be traveling for the holidays this year, or
if we do travel, then we're going to have to plan. Okay,
no gift giving this year. Maybe we're gonna have a
nice dinner, have pot luck, you know, have a game night,
(17:41):
really spend some quality time. Just be frank, honest, authentic
with your family, chosen or otherwise your friends, and do
it as an act of love towards yourself. I think
what can be tied up in us not wanting to
share that, you know, share our struggles with family and
(18:01):
friends sometimes is like there's a little bit of shame
around that too, which honestly is just damaging yourself. Right.
So if we are honest and we open up, it's
like we're owning our situation. We're not judging ourselves for it.
We're not gonna shame ourselves and make ourselves suffer because
of what we're going through and I think this is
one way to just, you know, protect ourselves and to
(18:22):
love ourselves. And I love y'all, and I'm telling you
now you are enough, just as you are without the gifts,
without the money, without the dream job. Right now, I
don't know who needs to hear this, sometimes I do.
You are more than enough and deserving of love and
comfort and coziness this holiday season. And that does not
(18:44):
have to come, you know, at anyone's expense. Those things
are free, okay, and you still deserve them. Now, speaking
of that busted white house, I saw quote. Y'all know
Michelle Obama. I love when she releases a book or
she's promoting something, which seems to be She has a
new book every year, every other year. So her new
book is out this holiday season. It's called The Look,
(19:04):
and basically it's a post mortem on all of her
iconic fashion and not just you know, what she wore,
but why she wore it and the team that helped
her put those looks together over her years. And she's
doing this press for now. She was in Brooklyn with
Tracy Ellis Ross, one of her you know, and they're
like besties, so it sounds like it was a really
fun conversation. I wasn't in the room, I wasn't lucky
(19:27):
enough to get a ticket, but I was reading some
of the quotes, and you know, she really heartfully heartfelt,
you know, spoke about what's happening at the White House,
the demolition of the East Wing so they can build
this three hundred million dollar corporate gilded ballroom for you
know who. And you know, Michelle is basically saying like
that's where a lot of her work as First Lady
(19:49):
and her team created a lot of the work and
the heart of what was happening in the in the
White House. So for her it was heartbreaking, And yeah,
just another sign that the current administration couldn't give two
flying f's about the hardworking people and the you know,
really like the disrespect for the for the work of
(20:11):
you know, for the American people that happened on that
part of the White House. So it's always nice to
hear from our forever first Lady. But you know what else,
someone else's president, not my president, was talking about. I
just don't like the policies over social media, like creating
new policies and just you know, spitballing giant policy initiatives
(20:32):
that would have sweeping impacts on so many people on
social media seems to be this guy's mo o. And
there were a couple of things I wanted to talk
about that Trump recently floated on his social media his
own social media platform, truth Social, which honestly, this is
where I got to trust other journalists because I ain't
about to download or sign up for nobody's truths A
(20:55):
no a, no way, it ain't happening. But according to
journalist who have done the dirty work and followed this
man on his own social media platform, two things Trump
has floated the idea of a two thousand dollars tariff
rebate check and also the idea of a fifty year mortgage,
a fifty year mortgage in an effort to increase or
(21:19):
the idea is to increase housing affordability. So I got
to talk about this. The first thing, on the two
thousand dollars tariff rebate, Then why have the tariffs? Like
why put us all through this hell? And why put businesses?
You know, this is not like I know, we think
about tariffs and we think about you know, like big
(21:40):
corporations overseas that it's going to be harder for them
to you know, make their whatever, make their products and
goods overseas because they're going to have these tariffs on them.
And yes, those prices, those tariffs really get passed down
to us the consumer, right, they make the products that
we buy more expensive. However, like these tariffs have also
(22:01):
brought small businesses to the brink of closure, if not
actually having to close, because of how much more expensive
it became for them to do business and how their
customers couldn't afford to take on and carry those costs.
And so we've actually seen small businesses be really harmed
by these types of tariffs. So for him to be like, oh, yeah,
(22:23):
well you guys are struggling, like I'll just write well
two thousand dollars check, this is like giving you know
what they sort of did, you know, during the pandemic
with the stimulus checks. And it just doesn't make any sense.
I would anyone love to get a two thousand dollars
check in the mail, of course you would, of course.
But the whole point of the tariffs, at least politically,
(22:46):
or what was said, was to show that America, you know,
we are these tough negotiators. We want to bring more
business to American shores. And we want to show you know,
these companies that they need to be invested and building
business in America. And if we're just going to be
handing out two thousand dollars checks to Americans to better
(23:09):
afford the goods of these companies that are still producing
products overseas, then like, is the effect, the intended effect
actually working. This is only going to further disincentivize companies
from investing in American you know, American manufacturing because they're
just basically giving Americans money to purchase the products that
(23:31):
they're making overseas anyway, And these companies can't just up
and create a new manufacturing plant, you know, in Tucson
or Kentucky or wherever you know. They want to build
a manufacturing plant that takes time and in the meantime, like,
the incentive for us is going to go away if
you give us these checks. And honestly, while you're thinking
(23:52):
about this two thousand dollars tariff dividend check or whatever
you want to call it, rebate check, how about we
provide healthcare and maybe food subsidies and snap benefits for
low income families, the millions who are going to be
missing out on these subsidies because of this frickin government shutdown,
(24:12):
Like make it make sense, Like can we actually focus
on what could you know, really help people who are
struggling out here? Government shutdown is still underway. It's been
day forty something. My husband ain't been paid, neither have
hundreds of thousands of other federal workers who have been furloughed.
And the status there is that the House, we've had
(24:33):
some Democrats who have crossed over party lines and said, fine,
we're going to sign this stop gap, you know, measure
this new bill spending package that Republicans have you know,
presented as a compromise, which completely leaves out the subsidies
that we need for Obamacare recipients, which was the whole
(24:54):
sticking point. That's why Democrats you know, basically said like,
we're not going to play ball. Let the shut down rain,
but in this new compromise, those subsidies are not included. However,
if this passes the Senate, then it would effectively see
the shutdown ended. Federal agencies will be funded, we'd see
(25:14):
the snap benefits be reinstated, other things like that, you
know what, Like I don't know about y'all. I'm conflicted
on it. I just want people who need who need
food on the table, to have food on the table.
And I just want hardworking federal employees like my husband
to get their damn paychecks. And I understand the fight.
I can, like intellectually understand why, you know, Democrats have
(25:38):
chosen to maybe die on this hill and to push
back at this time. I get it, But also like
there's enough shit going on, like can they find another way,
Like can't we be putting these efforts into like the
mid term elections and creating a blue wave so that
we can undo some of these really damaging policies. Like
(26:00):
I just I just don't know if it's helping or
hurting progressives. And I'm leaning toward the side of hurting
because I'm sitting here as a progressive myself, and I'm
freaking over it very much so. And I don't know
how y'all are feeling. Y'all let me know if I'm
missing something here, But just just where I'm at right now,
heyba fam, we got to take a quick break, pay
(26:21):
some bills, and we'll be right back now. The fifty
year mortgage, this one actually genuinely pisses me off, because
do you know who's going to benefit from a fifty
year mortgage? The insult here is that they really don't
think that we know how to do math, and we
(26:41):
don't understand how mortgages work in this country, Like they're
really underestimating our collective intellect, and that just pisses me
off right off. Okay, but look here, fifty year mortgage. Right,
you're gonna be paying a higher interest rate on a
fifty year mortgage than someone with a thirty year mortgage,
(27:02):
who benefits from the interest that we pay on anything. Really,
the banks do fifty year mortgages, it's like writing unlimited
blank checks to financial institutions who are going to just
I mean, they are going to make brillions of dollars
off the back of Americans off of these if these
(27:22):
fifty year mortgages go through. Now, the homeowner and I'm
putting homeowner in big quotations because when you take out
a fifty year mortgage on a home and you're targeting
low income people or people who just aren't able to
afford a traditional mortgage, they're not going to be able
to put up a huge down payment. So you're basically
saying you're never going to own any part of this house.
(27:45):
It's going to take you forever to actually build equity
in this home, so you're not actually going to own anything.
And I ran this calculation through my best friend perplexity. So,
just hypothetically speaking, let's think about homeowner A and homeowner B. Right,
So they each get a five hundred thousand dollars home,
and based on today's mortgage rates, that's like six point
(28:08):
five percent for homeowner A. And then homeowner B has
the fifty year fixed rate mortgage. I don't know what
the interest rates could be, but just to be on
the more conservative side, let's say they're just one percentage
point higher. So homeowner b's paying seven point five percent
on a fifty year mortgage. Just look at the difference.
So the thirty year mortgage at six point five percent,
(28:31):
they'll pay a total of six hundred thousand, six hundred
and thirty seven thousand dollars of interest over thirty years
on a thirty year mortgage. The fifty year mortgage, girl,
y'all gotta worry about her, Okay? The total interest, This
the total interest they would pay over fifty years one
point four million dollars in interest over a fifty year
(28:57):
term and not even like a little bit of equity
earned over that time. So let's let's break that down,
and just five years, homeowner A, you know, making that
monthly payment is going to be it will have about
six percent equity. Homeowner B, who's making it with a
fifty year mortgage, will have one percent equity in their home.
(29:20):
By year twenty, the thirty year mortgage homeowner will have
forty four percent equity in their home, the fifty year
homeowner eight percent. Twenty years in, that's all you have
to show for it. So like, in what world does
this make sense? Like just keep renting at that point,
because you're not even talking about once you own a home,
(29:40):
you got to pay for your own maintenance. You know,
anything happens, it's on you. Like there's just just no
it's just dumb, and it genuinely it makes zero sense.
And again this is why we shouldn't just be spitballing
policies on social media. Clickiti clack clack clock and at
the keys, because unfortunately, like this is the thing about
(30:01):
having an incompetent leader, his henchmen, his minions, they're like
they're ready. They're at his beck and call, and when
he puts out things like this, these ideas, they're running,
they're scrambling. Okay, how can we make this happen? Let's
get this da da da da. Like the cats out
of the bag, it's hard to put the genie back
in the bottle and these things can start to actually exist.
(30:23):
And for a product like this, I mean, it's extremely toxic,
and like, if there's any even whiff of this thing
actually becoming real, then I will just do my day.
I'll do my damnes to keep educating all and helping
y'all understand what this really means. What I can tell
you right now, the only people those benefits are the
big bad banks, Okay, and who do they really need more? Like,
(30:45):
let's be for real, No they don't. I think. Which
one of y'all has also had that song in your
head since Halloween sends about the time Kayla Nicole now
viral Tony Brexton tribute video unbroke the Internet? And what's
happening to cayleb right now? And I didn't even know
(31:06):
who she was. Let's be honest before this whole like
Taylor Swift Travis Kelcey, Kayla Nicole, you know, beef started
to happen. I just love a good time. I mean,
I love me some Tony Braxton as a daughter of
the nineties in the daughter of a woman who was
going through a brutal divorce. We used to crank that
(31:27):
shit up. We used to crank up Tony and Celine
Dion in the car. So I love that music and
I just love that there was a tribute to it, right,
But in posting that video, Kayla incited the wrath of
the swifties. And you know what's like even more, I'm
finding it hard to believe any dumb dumb who understands
how to hit delete on an old tweet. We could
(31:49):
do our own social media cleanups, but Kayla Nicole caught herself,
like in twenty twenty five, are we really still having
prominent figures get embarrassed by their past cells and the
ludicrous things that used to post on the Internet, Like
it is so lazy at this point that it's like, Okay,
well you kind of deserve it if you're not going
(32:10):
to clean it up yourself. But yeah, they went and
uncovered some really racist class list just dumb tweets that
Kayla had posted. I mean, in one she was saying
some racist things about I think Indian people, gay people.
I saw some jokes that were like, well, at least
she's you know, racist across the board and not just
(32:33):
to anyone group. But listen, girl, like you really could
have gone out on a win, and I just I'm like,
come on, y'all, clean up your socials, Like what actually
is going on? Other pop culture news? The Rock and
Roll Hall of Fame inductees, like, it was really gratifying
to see outcasts get inducted into the Rock and Roll
(32:54):
Hall of Fame. Y'all watch Tyler the Creator do bombs
over Bagdad with a big Boy and Andre three thousand
that was iconic, epic, but also Salt and Peppa come
on now, push it, push it real good. Always exciting.
(33:15):
I think we had Grammy nominations also come out and listen, y'all.
I can't really say that I follow a lot of
like music news, but yeah, I was excited to see
Cynthia Arrivo and get nominated for Defying Gravity. That's the
kind of dork I am these days, just keeping it
(33:35):
a buck, but yeah, fun times. Grammys are happening the weekend.
Apparently has no beef with the Grammys anymore. He's like
all cool now. And then they went and didn't nominate
him for anything that he put out, and Tony Dog
kind of sucked. But yay for you know, building bridges
and getting over things. That's always that's always nice. All right,
(33:59):
be a fan. I want to take a quick break
and I will be right back with brown Boost or
brown Break? Which one is it going to be? Stick around?
Heyba fan, We're back, Welcome back to the show. I'm
here with brown Boost Brown Break? Which one is it
going to be? I think I'm gonna take a little
(34:20):
bit of both today. I am going to take a
big break for some more truly depressing layoff news. In October,
the highest number of corporate layoffs in over two decades.
We're talking two decades, the highest number of corporate layoffs.
(34:44):
Something on the order of one hundred and fifty three
thousand Americans had their jobs cut in October. That is
more than about triple, almost three times as many from
this time last year when we only lost fifty five
thousand jobs. And it's yeah, the highest total sense two
(35:06):
thousand and three. If that person. If you're one of
the one hundred and fifty thousand, you know, our heart
goes out to you. I hope you were getting, you know,
the support that you need at this time. But that
is brutal, brutal. So the leading sectors that were cut
(35:28):
in October, we had Tech, which has continued to lead
in these job cuts. And at this point I'm kind
of tired of y'all blaming like, oh, this is to
course correct after the hiring search of the pandemic, Like
that's not what's happening. It's pure I think automation and
paving the way for AI and you know, these these
(35:49):
efficiency creators, these AI tools, and that's why we're seeing
such steep, steep job cuts. In October they were responsible
for thirty three thousand job cuts, and in total this year,
Tech has announced one hundred and forty one thousand job cuts,
which is just just an insane number. Also, retail they
(36:14):
announced two thousand job cuts in October, and also just
going down the list, warehousing, consumer products. Nonprofits. Nonprofits are
actually you know, I don't think we're talking about this enough,
but a real victim and you know, really being hurt
by the government layoffs, the whole doge of it all,
(36:35):
and the decrease in funding for basically any progressive initiatives,
any progressive especially anything DEI related. The government ain't funding it.
A friend of mine also, she works in cancer research,
and even her of their funding has been cut, you know,
if anything is tied to you know, anything that would
(36:56):
be seen as progressive or anti the current administration. So
nonprofits also have been have had huge cuts, twenty seven
thousand job cuts and nonprofits this year, which is up
four This is nuts, up four hundred percent from twenty
twenty four. In twenty twenty four, only five thousand, three
(37:19):
hundred nonprofit jobs were cut this year twenty seven thousand.
That's crazy, Jesus. Media also it's been tough, especially in
black and brown you know, newsrooms or news teams, the
media industry. And now sixteen thousand job cuts in twenty
(37:39):
twenty five, up from thirteen thousand last year. Yeah, really
really chilling stuff. Yeah don't there's not really a way
to silver lining this, all right, So my Brown boost
this week is going to be art and inspiration and creating.
(38:01):
I know, we talked about romanticizing the winter months and
creating moments to embrace and celebrate artists. I think like
these artists were always, you know, the first I think
to struggle during tough economic times. And at the same time,
I mean, the way that art can move you and
inspire you and help you to keep going is so powerful,
(38:23):
and it just doesn't make sense why we underappreciate the
artists in our world. But I had the opportunity to
support Cibo Campbell. He's the author of our Brand Ambition
book Club pick, first ever Brand Ambisian book Club pick,
sky Full of Elephants. If you haven't read it yet,
what are you waiting for? Please? It's an incredible book.
But that book came out over a year ago, and
(38:45):
Siebo was inspired and had so many artists who were
inspired by the book that he decided to put on
a whole event all around the Sky Full of Elephants,
and he had different artists in their chosen mediums create
art that they create and inspired by his book and
sky Full of Elephants. If you don't know the short version,
(39:07):
well a little. I don't want to give any spoilers,
and this actually it sounds like a spoiler, but it's not.
In the beginning of the book, we are in post
America that that's happened after an event where one day
all of the white people in America find the nearest
body of water, walk into it and drown themselves. And
the book picks up there and we meet a couple
(39:28):
of key characters and we kind of see what happens
and in America where black and brown people no longer have,
you know, are no longer have to compare ourselves or
see ourselves through the lens of the majority, through you know,
the white American lens, and what that actually means and
what happens. And so at this event in New York's Ebo,
(39:49):
there was a there were singers, dancers, painters, and most
beautiful art on display, art that your girl definitely could
not afford, but yeah, I hope someone bought it. It
was co hosted by Lena Waithe incredible talented artist herself write,
you know, screenwriter and actor, actor, and that was just
(40:14):
very exciting. Oh my god. The food. It was catered
by Aunts and Uncles, which is a vegan spot in Brooklyn,
and they created this beautiful table scape. Like if you
read the book, you know that there's this point when
one of our when then one of the main characters
sort of embraces her black identity and kind of gets
welcomed into this the new kingdom that exists, you know,
(40:38):
after this event, and they called it Vivian's Table. And
this is a lot of like inside stuff. If you
haven't read the book, I don't want to bore you
with it. But it was just a really beautiful event.
And you know, Siebo we talked a little bit. He
dipped into his own pocket to put in put on
this event. He couldn't even find sponsors for it, which
really pisses me off, but you know, he made it happen,
(40:59):
and it was. It was a really beautiful celebration of art.
And I got to I couldn't afford thirty thousand dollars paintings,
but I was able to support this incredible incense what
do we call it, like an herbal herbal list. I
don't know. She was there. Her name's Jasmine. Her company
is called The Black Myth. I'll put a link in
(41:21):
the show notes you can check her out. And she
sells these little mini incense sticks that she handmakes with
different herbs, and she created some custom sense inspired by
the book. But I got a little I'm not a
big incense girl, but I was like, I'm going to
try this because they smelled really nice. Incense is like
really strong for me. But at the same time, I
(41:42):
liked the idea of like a mini version so wouldn't
burn as long, and like it kind of like incorporated
into my cozy, romanticized winter routine and have a little
moment of reflection meditation and have my little incense. And
I already used one and it was really nice. It
actually wasn't like terror strong. I mean, is incense so
like your house is going to smell like it if
(42:04):
you burn it. My husband's like, what are you doing
out here? I'm like, just leave me alone, Just leave
me alone. I'm having a witchy moment. It's fine, okay.
And I did my little meditation and it was it
was really nice. And Jasmine Black owned business out of
Nashville and she came up just for that event, So
thank you to Cebo for and I called. I tried
(42:24):
to articulate to him how I was feeling at the
end of it, and I was like, I was like,
you're just like this nucleus like this, this, this center point,
this like you know, like light source at the at
the center of all these other you know, powerful beings,
and like the way that he could bring the artist
together to celebrate his work. It was the word for
(42:46):
it was inspiring, truly, and especially after the hell week
that I had with sick babies and being sick myself,
I'm really glad that I dragged myself out the house
to go and it was it was just yeah, incredible
special And so my brown boost goes to Cibo and
the talent he was able to bring together to celebrate
his work and to amplify it. And wherever you can
(43:09):
support artists, you know, especially these cold dark months coming, like,
let's go out support art especially if we're not going
to be spending at you know, these big box retailers
we're doing that. We ain't we ain't buying it protests
this holiday season. How can we support you know, local
black and brown artists and and yeah, and keep their
(43:30):
work going, especially at dark times like these, All Riba fam,
I'm gonna leave it there. Thank you so much for
tuning into the show this week. I'm back on Friday.
I promise we're bringing ba Q and A back. I
took a little time off we're going to be bringing
you fresh. Baqa's also taking a little look back as
(43:51):
some of the most popular episodes of twenty twenty five
as we head into closing out the year this holiday season.
Thank you so much for the love and support. If
you want to leave a review, I would love that
so much. You can leave me a review on Apple Podcasts.
You can also comment on this episode specifically on Spotify.
I love to see y'all's comments. Shout out to Nedda
(44:12):
and Asia who are always commenting on every like. I
love y'all and I read everyone and I look forward
to I'm like, what are Nedda and Asia going to
think about the show this week? And to Regina on YouTube,
one of my my loyal YouTube viewers. You can catch
these shows on YouTube y'all at Brown Ambition Podcast. Thank
y'all so much for the love and I hope that
(44:35):
this episode finds you wherever you are. Just know that
you are enough. I love you so much. Thank you
for listening, and I will see y'all on Friday for
the Baqa Bye. Take care, Hey ba fam, Let's be
real for a second, and y'all know I keep it
a book. The job market has been brutal, no, not
(44:57):
brutal trash, especially for women of color. Over three hundred
thousand of us have disappeared from the workforce this year alone,
and not by choice, but because of layoffs, disappearing DEI programs,
and stagnant wages that keep cutting us out of opportunity.
Our unemployment rate has jumped to over seven percent, while
(45:18):
our pay gap continues to widen. I know all of
that sounds dire, but here's what I want y'all to know.
You do not have to wait for the system to
save you. That's exactly why I created the Mandy money
Makers Group coaching community. It is a coaching community that
is built for us by us. Inside the community, we're
not just talking about how to negotiate or to how
(45:39):
to get the job that you want. It's about finding
purpose in your career. It's about finding communities and others,
feeling seen, feeling heard, and also having a sounding board
and a mirror to reflect your own magic, your own
sparkle right back to yourself. In this community, you'll get
group coaching led by me, but you're also get peer
(46:00):
to peer accountability with proven tools and resources that can
help you do what we have always done since rise.
Even when the odds are stacked against us, despite all
the challenges, we will rise. If you're interested in joining
the Mandy money Makers community and having that support to
bolster you and help you tap back into your magic
(46:23):
so that you can lead your career with intention and
heart and your own intuition, trusting that again, please join us.
You can find information in the show notes of today's episodes,
or go to mandymoney dot com slash community. That's Mandy
m A N d I money dot com slash community.
(46:43):
I would love to see y'all there. Enrollment is open,
so please go check out mandymoney dot com slash community
today
Hey, ba fam, let's be real for a second, and
y'all know I keep it a book. The job market
has been brutal, now not brutal trash, especially for women
of color. Over three hundred thousand of us have disappeared
from the workforce this year alone, and not by choice,
but because of layoffs, disappearing DEI programs, and stagnant wages
(00:20):
that keep cutting us out of opportunity. Our unemployment rate
has jumped to over seven percent, while our pay gap
continues to widen. I know all of that sounds dire,
but here's what I want y'all to know. You do
not have to wait for the system to save you.
That's exactly why I created the Mandy money Makers Group
coaching community. It is a coaching community that is built
(00:41):
for us by us. Inside the community, we're not just
talking about how to negotiate or to how to get
the job that you want. It's about finding purpose in
your career. It's about finding communities and others, feeling seen,
feeling heard, and also having a sounding board and a
mirror to reflect your own magic, your own sparkle right
(01:03):
back to yourself. In this community, you'll get group coaching
led by me, but you also get peer to peer
accountability with proven tools and resources that can help you
do what we have always done since rise. Even when
the odds are stacked against us, despite all the challenges,
we will rise. If you're interested in joining the Mandy
(01:24):
money Makers community and having that support to bolster you
and help you tap back into your magic so that
you can lead your career with intention and heart and
your own intuition, trusting that again, please join us. You
can find information in the show notes of today's episodes,
or go to mandymoney dot com slash community. That's Mandy
(01:47):
m A n d I money dot com slash community.
I would love to see y'all there. Enrollment is open,
so please go check out mandymoney dot com slash community today. Hey, hey,
bea fam You know what, at a certain point, I
just have to hit record. I will sit here for
(02:10):
hours talking to y'all in my head, preparing everything that
I want to talk about, what's happening in the news,
things that I think are really relevant, catching up and
I swear I've been sitting here for like three four hours,
and I'm like, girl, if you don't hit record, they're
not going to get a show, and I just can't
do that to y'all, not at a time like this.
(02:30):
So Hello, be a fam Welcome back to the show.
It's your girl, Mandy Money. I could not be happier
to be here with y'all today. It's snowing. I don't
know what to make of that. It's Veterans Day. Shout
out to our black and brown veterans. We see you,
We honor you, and thank you so much for your service.
(02:53):
And yes, your service matters and we are just so grateful,
so we want to honor you today. How are y'all?
How are y'all feeling? Daylight Savings time is over? So
I want to do a check in with my girls
and guys. If y'all are struggling with the shorter days,
the longer nights, I'm right there with you. I actually
(03:14):
want to make a game plane with y'all, a game
plan on how we are going to get through this
dark winter. It can really start to affect your mood.
It can make it hard to show up and do
the work that you know you need to do to
get the coins that you need to survive. I feel it.
It also can feed into any anxiety and depression underlying
that you may already have going on. It's so much
(03:36):
harder to get up and push and to get through
those difficult times when you look out the window and
it's gross, it's gray, it's dark, it's gloomy. Something that
has helped me other than getting one of those therapeutic
daylight monitors kind of things. I'll put a link in
the comments that the one from the one that my
therapist recommended to me a few years ago. The one
(03:58):
that I have is big and clone. She's a big girl,
and I especially used to use this daylight. It's basically
a big monitor, like the size of a computer monitor,
that shines bright daylight at you and you use it
sort of like a form of therapy. So in the morning,
when I was working down in my cold, dark basement
that barely had half a window, I especially needed that
(04:21):
kind of light therapy, so I would plug it in.
And I think it's recommended. I mean, you can talk
to your doctor, but between like twenty to thirty minutes
is what I was sort of going for, and I
would try to do something. It's very bright, so I
would try to meditate or just listen to some music
while it was sort of just beaming on me. And
(04:41):
it's meant to just be a way for your body
to wake up, to know that it's daytime and to literally,
you know, get your body to generate some energy and
to can really help you stave off that seasonal depression.
So that's one thing, but something that I'm trying this
year because I don't have the same iss. I'm up
in the daylight. My office is set up, I have
(05:03):
a window. I can look out of it. I can
see the light. It's very nice. However, the shorter days
do challenge me, especially when it comes to, you know,
just getting the time, getting the energy to work and
to work for my after my after work job, which
is you know, finishing the book, the brand Ambition book.
So for me, I'm really going I'm leaning into the
(05:24):
whole idea of romanticizing winter. I recently purchased a brand
new pair of fuzzy nice house slippers. I tend to
run my house slippers ragged. For those of you who
work from home and you're always in your slippers like
maybe you're with me, but I wear them joints out.
So I needed a new pair, and I didn't just
get a cheap pair from TJ Max. I got a
nice pair, very comfortable, very cozy. Picked up it because
(05:49):
you can never have enough cozy blankets, right, I got
a new blanket for myself. And I went to the
library and while I was there, I picked up a
cozy like cookbook. I got a cookbook that has a
bunch of like good seasonal, like holiday recipes and soups
and baked goods. And I decided that at least once
(06:09):
a week, I'm going to try to go to the
grocery store, bring my kid with me. He loves helping
me in the kitchen, and we're just going to pick
a new recipe and try some new cozy recipes. So
last night I was kneading dough, I made some I
made homemade bow buns, which is one of my favorite
things to eat out. I love bal buns. Pmn't tried them.
(06:30):
I don't know what you're waiting for. And I made
this recipe and it was so good. I'm not going
to say the bow buns turned out perfectly, but like
I for my first time, for my first try, okay,
this ain't the Great American bakeof like, I did my best,
but it was good and it kind of yeah, and
it did make the evening, made the evening a little
bit more sparkly and fun, and the kids had fun
(06:52):
watching me make a huge mess. And yeah, so romanticizing
it by having some fun little like, you know, new
recipes to try and looking forward to the holidays. I'm
trying to make plans. I know, even now, there's some
of y'all who before Mariah Carey even told y'all it
was time y'all had your holiday calendars planned out. That
(07:13):
is not me. Nah, it's not me. I have so
much going on, but I have tried to plan a
couple of things now. The holidays is one thing what
really gets difficult is that January February post holiday slump.
This is when we really need to be on it, y'all.
What are we doing in January to soothe ourselves to really,
(07:34):
you know, get out of those winter doldrums when it's
not so cute because the lights are taken down, you know,
there's not a ton of holiday events to look forward to.
One of the things I'm looking forward to that I'm
going to bring back this year is I hosted a
Mama's Night In party a couple of years ago post
(07:54):
holiday season, just to appreciate the moms in my life
and all the hard work that we do making that
holiday magic happen. Because the kids don't know, but Santa
Ate real, it's us, it's me, We're doing it. We're
making the sparkles happen, right So just to give a
night just for mamas. We make nice food, make cocktails,
We get together and support one another. So that's something
that I'm really looking forward to. So again, just heading
(08:18):
into the winter months, we don't have that much like
think of it this way. In just another month, we're
going to be the days will start to get longer,
you know, once we get past that winter solstice. But
if you, like me, are thinking okay, here comes the darkness,
just let me know what you're sort of doing to
take care of yourself and to get through, you know,
(08:40):
these cold, cold months in our lives. Right now, All
right now, speaking of hearing from y'all, I want to
share a couple of listener reviews. Y'all have been making
your girl blush. I happen to be checking out our
reviews on Apple, which I haven't checked in a minute,
and couple of really really sweet reviews I wanted to read.
(09:03):
One is from listener Kia Real. Keia says, I have
been listening to you for years. Your episode taking Off
the Mask resonates with me. We support you. Taking off
your mask makes you human and relatable. Thank you, Kia,
that's so kind. And also another listener, this one doesn't
(09:23):
really have a real name. Stsp eight says Mandy, It's
okay to be depressed. I started therapy again this week.
I felt myself spiraling into the dark spaces, and I'm
fighting my way back to the light. Fight when you
can rest, when you're tired, cry when it hurts. You
have to live where you are. It's okay. I'm proud
(09:44):
of you for sharing your struggles. Your honesty is helping
me heal. Well. Way to make your girl cry on
a Tuesday, Well, it's knowing outside. Thank you. Thank you
so much. Y'all's support love. You know. Whether or not
you know the idea of being relatable, it's not necessarily
(10:05):
always the goal, I guess, but I think whether you're
going through something similar to me or you have in
the past, I think it's just an act of like
love and for me, authenticity. I really abide by that,
and I want to bring my full self to this
show so that y'all really can understand what's going on
(10:25):
behind it. And you know what's happening behind you know
the mask the curtain a little bit. And I honestly
trust y'all, I genuinely trust you be a fan like
I trust you with the like a little bit of
a deeper inside look into what I'm going through. And
we have built this community, this relationship, you and I,
you and us for ten years now. If this was
(10:48):
just a podcast I started last month, I don't know
I'd be sharing all this. But when you feel that
really connected to your community, of course I'm going to
show up for y'all and you know, be authentic in
that way and you're you're showing me the love right back,
and I just I just say thank you so much
for that. Now, speaking of the holiday season, I wanted
to talk about the idea of this boycott. There is
(11:09):
this I think I talked about this a little bit
last week that you know, I was on the Win
with Black Women, zoom call that happens every other weekend,
amazing call. If you're not registered, go register Win with
Black Women. I'll put the link in the show notes
for y'all. But that was the you know, there were
some conversations around, you know, we should be really voting
(11:30):
with our dollars in a way and being mindful about
where we're spending this holiday season. And then, of course
there's a larger, more organized boycott right now that's happening
through a couple of different civil rights and social justice
organizations to make a d Mallories until Freedom. There's a
(11:51):
couple of others, but the idea is we're going to
be boycotting, all right, not just boycotting target, but actually
going beyond that, and specifically they want us to boycott
Amazon Home depot target of course, and make sure that
this boycott lasts between Black Friday, which is November twenty eight,
through Cyber Monday, December one. But if you're gonna ask me,
(12:14):
like why wait until Black Friday? Like why not just
start the boycott now? Let's make it happen, all right.
So in the press release, they say, from cravenly abandoning
their commitments to diversity, equity and inclusion, to enabling the
terrorizing of our communities, corporate collaboration must stop. They're urging
(12:35):
the boycott until these major retailers cease collaborating with and
enabling this administration's harmful policies. From the day he stepped
foot into office, Donald Trump has done everything he can
to tear apart the fabric of our communities and strip
us of our power and the necessary tools to help
us resist his fascist agenda. Instead of fighting back and
(12:59):
supporting the people who put money in their pockets, corporations
and retailers have bowed at Trump's feet. But we ain't
buying it. That's quote from Latasha Brown, who co founded
Black Voters Matter, which is one of the organizations behind
this protest. So the theme is we ain't buying it.
Your wallet, your power. You can actually if you want,
(13:21):
like the signed the petition to pledge that you will
not be buying it. Wait, what did I just do? You? Sorry?
The Wisconsin white girl and me just came out, not me.
What's the opposite of codes which we will we will
(13:43):
not be buying it. No, we ain't buying it. Anti
Trump groups that are calling on an economic boycott ahead
of Thanksgiving weekend, you can sign that petition. I'll put
the link in the show notes. Whatever you want to
call it. We will not be buying it. We ain't
buying it, y'all just sign But the point is, let's
actually take our money and honestly, in this economy, the
(14:04):
limited money and resources that we have, and make sure
that we are pouring back into the communities to support
one another. So I will absolutely be looking to buy
black and brown this holiday season. Let me know where
y'all are shopping this holiday season, if at all, if
you're planning to take part in this boycott, let me know, honestly,
(14:27):
even this is one of those years where if you
go ahead and talk to your family now, especially if
you have a situation and we've talked about this on
the podcast in the past, you have a situation where
you know some people in your family are struggling and
others are doing okay, and maybe traditions of holiday past,
like you know, you would do like what do you
(14:48):
call like a white Elephant or a secret Santa, or
people would get everybody would get gifts, and you get
gifts for your you know, your sister's kids, your brother's kids,
and the whole thing. And if that's not feasa for you,
I think that this is a really good time to
go ahead and have those heart to hearts with your
family and just let them know what you're going through
and listen. Being vulnerable is not easy, having only just now,
(15:14):
I think recovered from my own vulnerability hangover from sharing
with y'all what's been going on, you know, a few
weeks ago on the show. I get it. It can
be really challenging. But I think what's even more painful
than if you were to be vulnerable and honest with
your family about what's going on is if you push
your way through the holiday season trying to fake it
(15:34):
till you make it, you know, putting yourself in a
precarious financial situation. If you, you know, try to buy
the things and to be at that level that you
were financially, you know a year ago or even a
couple of years ago, when you're actually not. You could
potentially be racking up credit card debt. That's just going
to be a cruing interest. And it may feel good
(15:54):
in the moment, and listen, I know, I mean literally,
research shows it feels good to be a giver, right
and to see people open your gift and to see
the light on their face, and that is really beautiful. However,
think of yourself a couple of months down the line,
opening that credit card statement and saying, oh my goodness,
(16:15):
I can't afford to pay all this off. Now you've
got double digit interest that's you know, piling on top
of that. And while they're off enjoying the present that
you got them, you're still you know, facing those bills.
And I just want to, you know, we have to
take a moment and slow down and you know, not
get so caught up in the immediacy and the here
(16:36):
and now, and think about ourselves in the future and
try to visualize that version of yourself in the future.
I know on the show, Tiffany would always talk about
her eighty year old self Wanda, And you know, I'm
not even talking about eighty year old while I'm talking
about like a few months from now. Think about yourself
and that's going to be the dark winter, doldrum season. Okay,
(16:57):
post holiday I think honestly, I think the financial over
the holidays is one of the reason it can be
really depressing post holiday season. So I don't want that
for us. I don't want that for you. So I'm
really encouraging all it to have those conversations, even if
they are a little bit uncomfortable, go ahead and have
them now, and make plans with your family and your
loved ones, chosen family, whatever it make, your community. Make
(17:20):
a plan that doesn't involve, you know, putting yourself in
a precarious financial situation. That may mean, Okay, we're not
going to be traveling for the holidays this year, or
if we do travel, then we're going to have to plan. Okay,
no gift giving this year. Maybe we're gonna have a
nice dinner, have pot luck, you know, have a game night,
(17:41):
really spend some quality time. Just be frank, honest, authentic
with your family, chosen or otherwise your friends, and do
it as an act of love towards yourself. I think
what can be tied up in us not wanting to
share that, you know, share our struggles with family and
(18:01):
friends sometimes is like there's a little bit of shame
around that too, which honestly is just damaging yourself. Right.
So if we are honest and we open up, it's
like we're owning our situation. We're not judging ourselves for it.
We're not gonna shame ourselves and make ourselves suffer because
of what we're going through and I think this is
one way to just, you know, protect ourselves and to
(18:22):
love ourselves. And I love y'all, and I'm telling you
now you are enough, just as you are without the gifts,
without the money, without the dream job. Right now, I
don't know who needs to hear this, sometimes I do.
You are more than enough and deserving of love and
comfort and coziness this holiday season. And that does not
(18:44):
have to come, you know, at anyone's expense. Those things
are free, okay, and you still deserve them. Now, speaking
of that busted white house, I saw quote. Y'all know
Michelle Obama. I love when she releases a book or
she's promoting something, which seems to be She has a
new book every year, every other year. So her new
book is out this holiday season. It's called The Look,
(19:04):
and basically it's a post mortem on all of her
iconic fashion and not just you know, what she wore,
but why she wore it and the team that helped
her put those looks together over her years. And she's
doing this press for now. She was in Brooklyn with
Tracy Ellis Ross, one of her you know, and they're
like besties, so it sounds like it was a really
fun conversation. I wasn't in the room, I wasn't lucky
(19:27):
enough to get a ticket, but I was reading some
of the quotes, and you know, she really heartfully heartfelt,
you know, spoke about what's happening at the White House,
the demolition of the East Wing so they can build
this three hundred million dollar corporate gilded ballroom for you
know who. And you know, Michelle is basically saying like
that's where a lot of her work as First Lady
(19:49):
and her team created a lot of the work and
the heart of what was happening in the in the
White House. So for her it was heartbreaking, And yeah,
just another sign that the current administration couldn't give two
flying f's about the hardworking people and the you know,
really like the disrespect for the for the work of
(20:11):
you know, for the American people that happened on that
part of the White House. So it's always nice to
hear from our forever first Lady. But you know what else,
someone else's president, not my president, was talking about. I
just don't like the policies over social media, like creating
new policies and just you know, spitballing giant policy initiatives
(20:32):
that would have sweeping impacts on so many people on
social media seems to be this guy's mo o. And
there were a couple of things I wanted to talk
about that Trump recently floated on his social media his
own social media platform, truth Social, which honestly, this is
where I got to trust other journalists because I ain't
about to download or sign up for nobody's truths A
(20:55):
no a, no way, it ain't happening. But according to
journalist who have done the dirty work and followed this
man on his own social media platform, two things Trump
has floated the idea of a two thousand dollars tariff
rebate check and also the idea of a fifty year mortgage,
a fifty year mortgage in an effort to increase or
(21:19):
the idea is to increase housing affordability. So I got
to talk about this. The first thing, on the two
thousand dollars tariff rebate, Then why have the tariffs? Like
why put us all through this hell? And why put businesses?
You know, this is not like I know, we think
about tariffs and we think about you know, like big
(21:40):
corporations overseas that it's going to be harder for them
to you know, make their whatever, make their products and
goods overseas because they're going to have these tariffs on them.
And yes, those prices, those tariffs really get passed down
to us the consumer, right, they make the products that
we buy more expensive. However, like these tariffs have also
(22:01):
brought small businesses to the brink of closure, if not
actually having to close, because of how much more expensive
it became for them to do business and how their
customers couldn't afford to take on and carry those costs.
And so we've actually seen small businesses be really harmed
by these types of tariffs. So for him to be like, oh, yeah,
(22:23):
well you guys are struggling, like I'll just write well
two thousand dollars check, this is like giving you know
what they sort of did, you know, during the pandemic
with the stimulus checks. And it just doesn't make any sense.
I would anyone love to get a two thousand dollars
check in the mail, of course you would, of course.
But the whole point of the tariffs, at least politically,
(22:46):
or what was said, was to show that America, you know,
we are these tough negotiators. We want to bring more
business to American shores. And we want to show you know,
these companies that they need to be invested and building
business in America. And if we're just going to be
handing out two thousand dollars checks to Americans to better
(23:09):
afford the goods of these companies that are still producing
products overseas, then like, is the effect, the intended effect
actually working. This is only going to further disincentivize companies
from investing in American you know, American manufacturing because they're
just basically giving Americans money to purchase the products that
(23:31):
they're making overseas anyway, And these companies can't just up
and create a new manufacturing plant, you know, in Tucson
or Kentucky or wherever you know. They want to build
a manufacturing plant that takes time and in the meantime, like,
the incentive for us is going to go away if
you give us these checks. And honestly, while you're thinking
(23:52):
about this two thousand dollars tariff dividend check or whatever
you want to call it, rebate check, how about we
provide healthcare and maybe food subsidies and snap benefits for
low income families, the millions who are going to be
missing out on these subsidies because of this frickin government shutdown,
(24:12):
Like make it make sense, Like can we actually focus
on what could you know, really help people who are
struggling out here? Government shutdown is still underway. It's been
day forty something. My husband ain't been paid, neither have
hundreds of thousands of other federal workers who have been furloughed.
And the status there is that the House, we've had
(24:33):
some Democrats who have crossed over party lines and said, fine,
we're going to sign this stop gap, you know, measure
this new bill spending package that Republicans have you know,
presented as a compromise, which completely leaves out the subsidies
that we need for Obamacare recipients, which was the whole
(24:54):
sticking point. That's why Democrats you know, basically said like,
we're not going to play ball. Let the shut down rain,
but in this new compromise, those subsidies are not included. However,
if this passes the Senate, then it would effectively see
the shutdown ended. Federal agencies will be funded, we'd see
(25:14):
the snap benefits be reinstated, other things like that, you
know what, Like I don't know about y'all. I'm conflicted
on it. I just want people who need who need
food on the table, to have food on the table.
And I just want hardworking federal employees like my husband
to get their damn paychecks. And I understand the fight.
I can, like intellectually understand why, you know, Democrats have
(25:38):
chosen to maybe die on this hill and to push
back at this time. I get it, But also like
there's enough shit going on, like can they find another way,
Like can't we be putting these efforts into like the
mid term elections and creating a blue wave so that
we can undo some of these really damaging policies. Like
(26:00):
I just I just don't know if it's helping or
hurting progressives. And I'm leaning toward the side of hurting
because I'm sitting here as a progressive myself, and I'm
freaking over it very much so. And I don't know
how y'all are feeling. Y'all let me know if I'm
missing something here, But just just where I'm at right now,
heyba fam, we got to take a quick break, pay
(26:21):
some bills, and we'll be right back now. The fifty
year mortgage, this one actually genuinely pisses me off, because
do you know who's going to benefit from a fifty
year mortgage? The insult here is that they really don't
think that we know how to do math, and we
(26:41):
don't understand how mortgages work in this country, Like they're
really underestimating our collective intellect, and that just pisses me
off right off. Okay, but look here, fifty year mortgage. Right,
you're gonna be paying a higher interest rate on a
fifty year mortgage than someone with a thirty year mortgage,
(27:02):
who benefits from the interest that we pay on anything. Really,
the banks do fifty year mortgages, it's like writing unlimited
blank checks to financial institutions who are going to just
I mean, they are going to make brillions of dollars
off the back of Americans off of these if these
(27:22):
fifty year mortgages go through. Now, the homeowner and I'm
putting homeowner in big quotations because when you take out
a fifty year mortgage on a home and you're targeting
low income people or people who just aren't able to
afford a traditional mortgage, they're not going to be able
to put up a huge down payment. So you're basically
saying you're never going to own any part of this house.
(27:45):
It's going to take you forever to actually build equity
in this home, so you're not actually going to own anything.
And I ran this calculation through my best friend perplexity. So,
just hypothetically speaking, let's think about homeowner A and homeowner B. Right,
So they each get a five hundred thousand dollars home,
and based on today's mortgage rates, that's like six point
(28:08):
five percent for homeowner A. And then homeowner B has
the fifty year fixed rate mortgage. I don't know what
the interest rates could be, but just to be on
the more conservative side, let's say they're just one percentage
point higher. So homeowner b's paying seven point five percent
on a fifty year mortgage. Just look at the difference.
So the thirty year mortgage at six point five percent,
(28:31):
they'll pay a total of six hundred thousand, six hundred
and thirty seven thousand dollars of interest over thirty years
on a thirty year mortgage. The fifty year mortgage, girl,
y'all gotta worry about her, Okay? The total interest, This
the total interest they would pay over fifty years one
point four million dollars in interest over a fifty year
(28:57):
term and not even like a little bit of equity
earned over that time. So let's let's break that down,
and just five years, homeowner A, you know, making that
monthly payment is going to be it will have about
six percent equity. Homeowner B, who's making it with a
fifty year mortgage, will have one percent equity in their home.
(29:20):
By year twenty, the thirty year mortgage homeowner will have
forty four percent equity in their home, the fifty year
homeowner eight percent. Twenty years in, that's all you have
to show for it. So like, in what world does
this make sense? Like just keep renting at that point,
because you're not even talking about once you own a home,
(29:40):
you got to pay for your own maintenance. You know,
anything happens, it's on you. Like there's just just no
it's just dumb, and it genuinely it makes zero sense.
And again this is why we shouldn't just be spitballing
policies on social media. Clickiti clack clack clock and at
the keys, because unfortunately, like this is the thing about
(30:01):
having an incompetent leader, his henchmen, his minions, they're like
they're ready. They're at his beck and call, and when
he puts out things like this, these ideas, they're running,
they're scrambling. Okay, how can we make this happen? Let's
get this da da da da. Like the cats out
of the bag, it's hard to put the genie back
in the bottle and these things can start to actually exist.
(30:23):
And for a product like this, I mean, it's extremely toxic,
and like, if there's any even whiff of this thing
actually becoming real, then I will just do my day.
I'll do my damnes to keep educating all and helping
y'all understand what this really means. What I can tell
you right now, the only people those benefits are the
big bad banks, Okay, and who do they really need more? Like,
(30:45):
let's be for real, No they don't. I think. Which
one of y'all has also had that song in your
head since Halloween sends about the time Kayla Nicole now
viral Tony Brexton tribute video unbroke the Internet? And what's
happening to cayleb right now? And I didn't even know
(31:06):
who she was. Let's be honest before this whole like
Taylor Swift Travis Kelcey, Kayla Nicole, you know, beef started
to happen. I just love a good time. I mean,
I love me some Tony Braxton as a daughter of
the nineties in the daughter of a woman who was
going through a brutal divorce. We used to crank that
(31:27):
shit up. We used to crank up Tony and Celine
Dion in the car. So I love that music and
I just love that there was a tribute to it, right,
But in posting that video, Kayla incited the wrath of
the swifties. And you know what's like even more, I'm
finding it hard to believe any dumb dumb who understands
how to hit delete on an old tweet. We could
(31:49):
do our own social media cleanups, but Kayla Nicole caught herself,
like in twenty twenty five, are we really still having
prominent figures get embarrassed by their past cells and the
ludicrous things that used to post on the Internet, Like
it is so lazy at this point that it's like, Okay,
well you kind of deserve it if you're not going
(32:10):
to clean it up yourself. But yeah, they went and
uncovered some really racist class list just dumb tweets that
Kayla had posted. I mean, in one she was saying
some racist things about I think Indian people, gay people.
I saw some jokes that were like, well, at least
she's you know, racist across the board and not just
(32:33):
to anyone group. But listen, girl, like you really could
have gone out on a win, and I just I'm like,
come on, y'all, clean up your socials, Like what actually
is going on? Other pop culture news? The Rock and
Roll Hall of Fame inductees, like, it was really gratifying
to see outcasts get inducted into the Rock and Roll
(32:54):
Hall of Fame. Y'all watch Tyler the Creator do bombs
over Bagdad with a big Boy and Andre three thousand
that was iconic, epic, but also Salt and Peppa come
on now, push it, push it real good. Always exciting.
(33:15):
I think we had Grammy nominations also come out and listen, y'all.
I can't really say that I follow a lot of
like music news, but yeah, I was excited to see
Cynthia Arrivo and get nominated for Defying Gravity. That's the
kind of dork I am these days, just keeping it
(33:35):
a buck, but yeah, fun times. Grammys are happening the weekend.
Apparently has no beef with the Grammys anymore. He's like
all cool now. And then they went and didn't nominate
him for anything that he put out, and Tony Dog
kind of sucked. But yay for you know, building bridges
and getting over things. That's always that's always nice. All right,
(33:59):
be a fan. I want to take a quick break
and I will be right back with brown Boost or
brown Break? Which one is it going to be? Stick around?
Heyba fan, We're back, Welcome back to the show. I'm
here with brown Boost Brown Break? Which one is it
going to be? I think I'm gonna take a little
(34:20):
bit of both today. I am going to take a
big break for some more truly depressing layoff news. In October,
the highest number of corporate layoffs in over two decades.
We're talking two decades, the highest number of corporate layoffs.
(34:44):
Something on the order of one hundred and fifty three
thousand Americans had their jobs cut in October. That is
more than about triple, almost three times as many from
this time last year when we only lost fifty five
thousand jobs. And it's yeah, the highest total sense two
(35:06):
thousand and three. If that person. If you're one of
the one hundred and fifty thousand, you know, our heart
goes out to you. I hope you were getting, you know,
the support that you need at this time. But that
is brutal, brutal. So the leading sectors that were cut
(35:28):
in October, we had Tech, which has continued to lead
in these job cuts. And at this point I'm kind
of tired of y'all blaming like, oh, this is to
course correct after the hiring search of the pandemic, Like
that's not what's happening. It's pure I think automation and
paving the way for AI and you know, these these
(35:49):
efficiency creators, these AI tools, and that's why we're seeing
such steep, steep job cuts. In October they were responsible
for thirty three thousand job cuts, and in total this year,
Tech has announced one hundred and forty one thousand job cuts,
which is just just an insane number. Also, retail they
(36:14):
announced two thousand job cuts in October, and also just
going down the list, warehousing, consumer products. Nonprofits. Nonprofits are
actually you know, I don't think we're talking about this enough,
but a real victim and you know, really being hurt
by the government layoffs, the whole doge of it all,
(36:35):
and the decrease in funding for basically any progressive initiatives,
any progressive especially anything DEI related. The government ain't funding it.
A friend of mine also, she works in cancer research,
and even her of their funding has been cut, you know,
if anything is tied to you know, anything that would
(36:56):
be seen as progressive or anti the current administration. So
nonprofits also have been have had huge cuts, twenty seven
thousand job cuts and nonprofits this year, which is up
four This is nuts, up four hundred percent from twenty
twenty four. In twenty twenty four, only five thousand, three
(37:19):
hundred nonprofit jobs were cut this year twenty seven thousand.
That's crazy, Jesus. Media also it's been tough, especially in
black and brown you know, newsrooms or news teams, the
media industry. And now sixteen thousand job cuts in twenty
(37:39):
twenty five, up from thirteen thousand last year. Yeah, really
really chilling stuff. Yeah don't there's not really a way
to silver lining this, all right, So my Brown boost
this week is going to be art and inspiration and creating.
(38:01):
I know, we talked about romanticizing the winter months and
creating moments to embrace and celebrate artists. I think like
these artists were always, you know, the first I think
to struggle during tough economic times. And at the same time,
I mean, the way that art can move you and
inspire you and help you to keep going is so powerful,
(38:23):
and it just doesn't make sense why we underappreciate the
artists in our world. But I had the opportunity to
support Cibo Campbell. He's the author of our Brand Ambition
book Club pick, first ever Brand Ambisian book Club pick,
sky Full of Elephants. If you haven't read it yet,
what are you waiting for? Please? It's an incredible book.
But that book came out over a year ago, and
(38:45):
Siebo was inspired and had so many artists who were
inspired by the book that he decided to put on
a whole event all around the Sky Full of Elephants,
and he had different artists in their chosen mediums create
art that they create and inspired by his book and
sky Full of Elephants. If you don't know the short version,
(39:07):
well a little. I don't want to give any spoilers,
and this actually it sounds like a spoiler, but it's not.
In the beginning of the book, we are in post
America that that's happened after an event where one day
all of the white people in America find the nearest
body of water, walk into it and drown themselves. And
the book picks up there and we meet a couple
(39:28):
of key characters and we kind of see what happens
and in America where black and brown people no longer have,
you know, are no longer have to compare ourselves or
see ourselves through the lens of the majority, through you know,
the white American lens, and what that actually means and
what happens. And so at this event in New York's Ebo,
(39:49):
there was a there were singers, dancers, painters, and most
beautiful art on display, art that your girl definitely could
not afford, but yeah, I hope someone bought it. It
was co hosted by Lena Waithe incredible talented artist herself write,
you know, screenwriter and actor, actor, and that was just
(40:14):
very exciting. Oh my god. The food. It was catered
by Aunts and Uncles, which is a vegan spot in Brooklyn,
and they created this beautiful table scape. Like if you
read the book, you know that there's this point when
one of our when then one of the main characters
sort of embraces her black identity and kind of gets
welcomed into this the new kingdom that exists, you know,
(40:38):
after this event, and they called it Vivian's Table. And
this is a lot of like inside stuff. If you
haven't read the book, I don't want to bore you
with it. But it was just a really beautiful event.
And you know, Siebo we talked a little bit. He
dipped into his own pocket to put in put on
this event. He couldn't even find sponsors for it, which
really pisses me off, but you know, he made it happen,
(40:59):
and it was. It was a really beautiful celebration of art.
And I got to I couldn't afford thirty thousand dollars paintings,
but I was able to support this incredible incense what
do we call it, like an herbal herbal list. I
don't know. She was there. Her name's Jasmine. Her company
is called The Black Myth. I'll put a link in
(41:21):
the show notes you can check her out. And she
sells these little mini incense sticks that she handmakes with
different herbs, and she created some custom sense inspired by
the book. But I got a little I'm not a
big incense girl, but I was like, I'm going to
try this because they smelled really nice. Incense is like
really strong for me. But at the same time, I
(41:42):
liked the idea of like a mini version so wouldn't
burn as long, and like it kind of like incorporated
into my cozy, romanticized winter routine and have a little
moment of reflection meditation and have my little incense. And
I already used one and it was really nice. It
actually wasn't like terror strong. I mean, is incense so
like your house is going to smell like it if
(42:04):
you burn it. My husband's like, what are you doing
out here? I'm like, just leave me alone, Just leave
me alone. I'm having a witchy moment. It's fine, okay.
And I did my little meditation and it was it
was really nice. And Jasmine Black owned business out of
Nashville and she came up just for that event, So
thank you to Cebo for and I called. I tried
(42:24):
to articulate to him how I was feeling at the
end of it, and I was like, I was like,
you're just like this nucleus like this, this, this center point,
this like you know, like light source at the at
the center of all these other you know, powerful beings,
and like the way that he could bring the artist
together to celebrate his work. It was the word for
(42:46):
it was inspiring, truly, and especially after the hell week
that I had with sick babies and being sick myself,
I'm really glad that I dragged myself out the house
to go and it was it was just yeah, incredible
special And so my brown boost goes to Cibo and
the talent he was able to bring together to celebrate
his work and to amplify it. And wherever you can
(43:09):
support artists, you know, especially these cold dark months coming, like,
let's go out support art especially if we're not going
to be spending at you know, these big box retailers
we're doing that. We ain't we ain't buying it protests
this holiday season. How can we support you know, local
black and brown artists and and yeah, and keep their
(43:30):
work going, especially at dark times like these, All Riba fam,
I'm gonna leave it there. Thank you so much for
tuning into the show this week. I'm back on Friday.
I promise we're bringing ba Q and A back. I
took a little time off we're going to be bringing
you fresh. Baqa's also taking a little look back as
(43:51):
some of the most popular episodes of twenty twenty five
as we head into closing out the year this holiday season.
Thank you so much for the love and support. If
you want to leave a review, I would love that
so much. You can leave me a review on Apple Podcasts.
You can also comment on this episode specifically on Spotify.
I love to see y'all's comments. Shout out to Nedda
(44:12):
and Asia who are always commenting on every like. I
love y'all and I read everyone and I look forward
to I'm like, what are Nedda and Asia going to
think about the show this week? And to Regina on YouTube,
one of my my loyal YouTube viewers. You can catch
these shows on YouTube y'all at Brown Ambition Podcast. Thank
y'all so much for the love and I hope that
(44:35):
this episode finds you wherever you are. Just know that
you are enough. I love you so much. Thank you
for listening, and I will see y'all on Friday for
the Baqa Bye. Take care, Hey ba fam, Let's be
real for a second, and y'all know I keep it
a book. The job market has been brutal, no, not
(44:57):
brutal trash, especially for women of color. Over three hundred
thousand of us have disappeared from the workforce this year alone,
and not by choice, but because of layoffs, disappearing DEI programs,
and stagnant wages that keep cutting us out of opportunity.
Our unemployment rate has jumped to over seven percent, while
(45:18):
our pay gap continues to widen. I know all of
that sounds dire, but here's what I want y'all to know.
You do not have to wait for the system to
save you. That's exactly why I created the Mandy money
Makers Group coaching community. It is a coaching community that
is built for us by us. Inside the community, we're
not just talking about how to negotiate or to how
(45:39):
to get the job that you want. It's about finding
purpose in your career. It's about finding communities and others,
feeling seen, feeling heard, and also having a sounding board
and a mirror to reflect your own magic, your own
sparkle right back to yourself. In this community, you'll get
group coaching led by me, but you're also get peer
(46:00):
to peer accountability with proven tools and resources that can
help you do what we have always done since rise.
Even when the odds are stacked against us, despite all
the challenges, we will rise. If you're interested in joining
the Mandy money Makers community and having that support to
bolster you and help you tap back into your magic
(46:23):
so that you can lead your career with intention and
heart and your own intuition, trusting that again, please join us.
You can find information in the show notes of today's episodes,
or go to mandymoney dot com slash community. That's Mandy
m A N d I money dot com slash community.
(46:43):
I would love to see y'all there. Enrollment is open,
so please go check out mandymoney dot com slash community
today
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