Episode Transcript
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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. Aba, fam,
welcome back to the show. It's your girl, Mandy Money.
(02:08):
I'm really excited to be here with y'all this week.
It is late. I'm not I'm not even gonna lie.
It's late the night before the show is airing, and
I had expected to record this. I typically record on Mondays,
but we had sort of a family emergency this week
(02:33):
and plans changed, And honestly, I think it's for the
better because on Monday, I would not have known about
the election results. On Monday, I wouldn't have already experienced
my first outing since, you know, months, honestly, since I've
(02:54):
been going through, like I've discussed with y'all my challenges
with anxiety and depression. But your girl left the house
and I'm really I'm still sort of honestly recovering from
that experience because as an introvert, if you know, you know,
I really needed to RepU on a replug, replug, recharge
(03:16):
myself today after just giving so much of myself, even
for those few hours I was out and about in
the city and yeah, so I'm with you tonight, and
the election results are starting to come in. We know
by now that Zoran Mamdani has won the New York
Mary mayor race mayor oral. I have the hardest time
(03:39):
with that mayoral. He won't be the marry'all. He is
going to be the mayor. And I don't know about y'all,
but I the day on what was on TikTok I
think I saw today, maybe it was yesterday. There was
like a clip of this man who he was like
at a club at some kind of bar whatever, maybe
(03:59):
in Queen or Brooklyn, somewhere in the city, getting his
whole entire life. I mean, it was so fun to
watch and to see the joy that he is bringing
and excitement he is bringing to the city and the
fact that he is the mayor. I'm really excited for
New York City. I can't claim him as my mayor, obviously,
(04:20):
I live. I live in Westchester, so it's a whole different,
whole different leadership stack out here. But I did vote
today myself. I voted for the county executive for Westchester,
and I don't think we have those results yet. But
he's a black man. His name is Ken Jenkins. I've
(04:41):
been a fan ever since he took over last year,
so hoping that he succeeds and that we can keep
that continuity. I took my little boy to the polls today,
and he's about to turn six, y'all. And I mean
I've been taken. I've been taking Rio to the election
to like vote with me. I mean ever since whatever
(05:02):
the first election was, after he was born, he was
in his you know, in his carrier, in my arms wherever.
But this was the first election where he was I
think really clocking and really wanting to deeply understand the
whole process and what were the big old pieces of
paper I was filling out, and you know, Mommy, why
(05:25):
are you why are you bubbling in? Why are you
coloring in the bubbles all in a horizontal line? Like
why are you only doing all the ones on that line?
And I was like, listen, we're going to cover Democrats
and Republicans another day. But it makes you know, honestly,
bringing him with me, it just underlines the importance of voting.
(05:46):
And so I hope if you're listening that you were
able to vote in this election. It's so important. I mean,
these are the elections, the quiet years, when it's not
a big federal election, that are honestly the most important
and quickly becoming the most important. We're seeing mayors, you know, governors,
but also at the local level, your town council members.
(06:09):
I mean, these are the people who are you know,
if you care about your student, your your kids' schools,
if you care about your property taxes, if you care
about what's going to be built in that vacant lot
you know down the way. Is it going to be
an urgent care, is it going to be a new
old Navy. Is it going to be a small business,
(06:30):
like what are you know? These are the elected officials
who make those like day to day decisions. Is there
going to be a sidewalk on that street that's kind
of dangerous to walk on? So yeah, just really important
to get out there and vote. But there's other exciting
news we have. Oh, Mary Sheffield, she was voted elected
(06:51):
mayor tonight as well. That's just come out. She's only
thirty eight years old, she's an ordained minister, and she's
going to Detroit's first new mayor in twelve years. This
is a black woman. She spent how many years as
a city council president A long time. She's a devoted
(07:12):
civil servant, and yeah, it's really exciting to see her
as end Detroit has been through it. There's so much
work to be done there and it's exciting to see
a black woman, you know, take the helm. And that's
a really good example too of like the importance of
these these local elected officials and the impact they can have.
(07:32):
Y'all know I've been talking about along with everyone else,
what's happening with snap benefits, and I mean the latest
there is that we've had I think a couple of judges,
district judges had blocked the White House, the Trump administration
from completely unfdfunding or not funding SNAP benefits. You know,
(07:55):
they were we were going to need nine billion dollars
in order to get the those forty two million Americans
their's SNAP benefits on November first, so they block them
from completely not funding you know that those payments. And
the best they could do in light of that was say, okay, well,
we can halfway fund SNAP benefits. So I think they
(08:19):
released something like four and a half million, five million
in contingency funds that they had, like I don't know,
just squirrel the way, and apparently those are going to
be going out, but it could still be weeks until
those funds actually hit the people who need them, actually
hit their bank accounts or hit their yeah, that they
(08:41):
receive them. So despite the fact that we've had like
you know, judges intervene and super grateful for that, But
to those forty two million, again, that's only half of
what we need to even give them what they need,
and by the time they get it going to be
heading towards this second month where they're not going to
(09:03):
have access, So what the hell is going to happen
when those you know, that four point five billion or
however much it is, when that is gone. You know,
it wasn't even going to fund fully the forty two
million you need those benefits. And then what's going to
happen next if that's all they had, that's if that's
the only contingency money they had set aside, it ain't
looking good. And so to my point, a mayor like
(09:28):
Mary Sheffield will advocate, you know, and the governors of
these states can advocate for the states to step in
and be able to offer funding to extend these programs
or to offer resources, and that really all comes from
these local elected officials. And yeah, so it's a really
big day and it's a good i think, harbinger of
(09:50):
what the midterm elections are going to be. That's the
big election period that happens, you know, two years after
the big presidential election. We look to see, Okay, who
are we electing to Congress and who how are we
going to It's really like a what do you call it,
It's a it's a way for us to show with
(10:12):
our votes how we're feeling about the newly elected administration,
and it's going to be a big one. But I'm
glad that tonight's election it felt like there was a
lot of buzz around it, probably because I'm so close
to New York City and Mom Donnie has just been
so ubiquitous, But still it feels like there's been a
lot of attention on this election season. Oh, I just
(10:33):
saw we have our first female mayor of Virginia was
elected tonight. Shout out to her, Abigail Spanberger, the first
female Democrat to or first female governor period but also
a Democratic governor of Virginia. It was pretty much I mean,
(10:55):
she won by how many points right now at this point,
like fourteen points, so not a not a close race,
but still glad that she won. Kudos to her. But
Mom Donnie, I think, I mean, he's going to own
the headlines. I mean, he is so young. He's going
to be New York's first Muslim and for South Asian mayor,
(11:20):
so that's really exciting. But beyond that, he I think
personifies so many of the ideals that I'm looking for,
you know, as a as a mother, as a citizen
these days, I'm looking to an elected official who really
feels like he is tapped in with what the people
are going through and is not interested in taking money
(11:41):
from big business and from these organizations that you know,
are not don't really care about everyday people and are
really just trying to further their own further their own
bottom lines, further their own agendas. And yeah, it does
feel really sweet. Also to officially say we did not
elect Andrew Cuomo to be the mayor of New York, Like,
(12:03):
thank goodness. New York deserved so much better than that
alleged sexual assault, sexual abuser, abuser, harasser, bully, all the
things toxic leader. So yeah, to Zo run Mundani, congratulations,
New York City is party. And tonight, hey, ba fam,
(12:27):
we got to take a quick break, pay some bills,
and we'll be right back, all right, So what else
is going on? I mentioned I left the house, y'all.
I left the house. I went to Brooklyn on Monday,
and one of the things that my main purpose for
going to Brooklyn was to celebrate the release of Uncompete
(12:49):
Uncompete as a brand ambition book club pick for November December.
Uncompete rejecting competition to Unlock success by the brilliant Ratchika
Ta Malhotra. If you haven't gotten your copy, BA fan,
please please do. I plan on announcing in the Patreon
very soon when we're going to have our book club meeting,
probably thinking probably the first week of December. Honestly, give
(13:12):
y'all some time to read it. It's an amazing read.
You know. It's again it's called Uncompete. And if you've
missed the episode my interview with Chika, please go back.
It was a few weeks ago, a couple of weeks ago,
I guess when I had her on talking about the book,
and I have to say I knew when I chose
the book, I was doing it sort of as like
(13:33):
an fu to just the time that we're in right now,
this time that wants us to feel like we are
fighting for scraps and feel like there's not enough and
that we need to exclude others so that we can
protect our own. And this really toxic culture of dog
eat dog and only the fittest survive, and this idea,
(13:56):
this myth really that with which Rechika line outlines in
her book. She actually underlines the scientific data that shows
we're not actually hardwired to compete, which is something that
I think we are sort of told. It's just becomes
something in our minds, like, oh, survival of the fittest arminism.
You know, we need to uh, we gotta we gotta push,
we gotta work, we gotta, you know, get ahead, because
(14:20):
there's not enough out there and if we don't do it,
we'll be left behind. And it's it was such a
breath of fresh air to read a book like Ratchikas.
And I was telling the girls when I met up
with them on Monday, I was, like, I wrote, I
read the book. I was rereading some chapters of the
book as I was on the way down to Brooklyn.
I'll live in Westchester. It took me a hot minute.
(14:41):
Took me over an hour and a half to get
down there, so I had plenty of time to read.
And it was so funny because I am I'm competing
with myself a lot of the times. But even just
like the way that New York City makes you walk
faster and wants you to feel more purposeful, I mean, hell,
like just look good, like you know, like you want
(15:01):
to look your best, and you know, showing up in
the streets of New York, it just gives you this
energy of like Okay, step up. Do better than be
faster than keep up with and reading the book on
the train and then walking through the city and switching trains.
I actually actively told myself to slow down. I was like, girl,
(15:23):
you're not going to win a medal for being faster
or keeping up with everyone else. The truth is, I
am a suburban lady. Now. My legs are not what
they were when I was running them New York City
streets every day walking miles. I don't have the I'm
not as fast, not as light on my feet, and
I'm wearing Honestly, I was wearing heels for the first
(15:44):
time and god knows when, and trying to walk in
the city. And every time I've been in the city
lately I have been I have felt like I'm competing
against the people next to me, like okay, you better
keep up, like they're gonna be able to tell that
you're just you know, from the suburbs, and you're set
up and terry and you can't keep up. And I
would be getting shin splits trying to keep up with
people and like nobody is competing against me. I'm literally
(16:06):
making it up in my head and bringing pain to
my own body for what. So again, I think that
book it just I told myself, you know, do like
slow down, take care of yourself, walk at your own pace,
give yourself enough time so that you're not rushing and
competing against the clock and you know, everything else to
(16:27):
get to where you need to be. And yeah, it's
just one of the many reasons why I really like
this book in general. And it's just something that I
think I'll read any time or turn to anytime, just
as a reminder whenever I'm feeling that those really human
emotions of how I compare to others and what I
(16:47):
should be doing or what I where I should be
at a certain point, or to be honest, comparing myself
to the version of myself you know a couple of
years ago that I sort of romanticized she had it together.
She was people of producing and you know, Jesus staying
awake for you know, longer and doing more, And yeah,
(17:07):
Uncompete is just it's it's a wonderful, wonderful read and
already is helping me just feel a lot better about everything, honestly,
every aspect of my life by just kind of unwiring
deprogramming that idea of competing. So shout out to Richica.
(17:29):
I hope you have an incredible launch week now. While
I was in Brooklyn, I also had the pleasure of
meeting up with some bandy money makers in person, and
I squeezed them so hard, maybe too hard, but physically.
Getting to share space with women that you've only seen
on a screen and who have shown up and really
relied on you, you know, relied on me as their coach,
(17:51):
and showed up for one another in this group, it
was so special to get to, you know, wrap my
arms around them and say hi and thank you, and
you know, let's have a little drink and and just
celebrate the wonder of these relationships that we're building. And
(18:11):
you know, again, like I have not really been outside
of my bubble these past few months, and it was
worth it. It really was just to get to see them,
and I definitely have been craving that human connection and
like quality time and it was just really special. And yeah,
(18:31):
so to the women who showed up for that, thank
you so much. It was a really wonderful night. And
you know, I got so many messages from BA fam
who who you know, shared their own challenges around social anxiety,
and kind of you know, going into your shell and
withdrawing during really challenging times. Whether it's because you know
(18:54):
you may not have you may not have the status
that you had before, the money you had before, the
job you had before. You maybe in a different, you know,
season of life, and you may feel like you can't
show up, you know, with the people that you would before,
or in the spaces that you would before. It may
just be because you don't going outside is expensive, and
(19:14):
you may not feel like, you know, you can afford
to do the things you used to do. And I
just want to encourage y'all to you know, there are
free like the couch is free, even just inviting a
one friend, one person over, or you know, inviting into
a neutral space a park bench like wherever, and just
(19:37):
doing whatever you can to reach out to someone and
to make a connection and remind yourself that you're worthy
of being in people's worlds and their orbit, sharing space
with them, no matter where you're at, in what season
of your life you're in. Y'all know, I talked about
how depression is a liar and one of the lies
I think it can certainly tell us and shame and
(20:00):
you know, anxiety as well. The lies it can tell
us are that, yeah, that we're not ready or worthy
to be in that certain space or don't have much
to offer, you know, to people. And yeah, I again,
I think it's just a matter of like I know,
my therapist would say, that's a cognitive distortion. Let's let's
(20:22):
reframe that and let's let's change that thought. So for me,
it was saying these you know you are, you are welcome,
You are loved and appreciated exactly as you are, and
you don't have to give or provide or produce anything
(20:42):
in particular to be worthy of meaningful relationships and to
being cared for. And that's sort of the mantra I
was repeating to myself as I was making my way.
I was making my way downtown, making literally making my
way into the city. So you know, I went outside.
(21:02):
I'm still recuperating. I was very tired today, but really
proud of myself for making that happen. So today I
want to talk about uncertainty. Uncertainty in general, there is
a lot to be I mean, I know, I know,
there's so much to be concerned about. It's very dystopian
(21:24):
out there these days. We could talk about the number
of layoff headlines that hit last week. I mean tens
if we're talking tens of thousands of people losing their
jobs at companies like Amazon, IBM, target these big companies,
and beyond that, I mean really terrifying stories about you know,
(21:50):
this investigation into Amazon and visit you know, this reporter
who's visiting the factories where they are actively working to
reduce the number of human employees by half. By half.
We're talking hundreds of thousands potentially of workers are looking
to reduce by introducing robots instead and having them, you know,
(22:11):
take over manual tasks and there. Yes, so there is
a lot to be concerned about. I know that. But
I just wanted to pause for a second because I
think grat like getting these headlines and being sort of
spoon fed these moments of like panic of these these
(22:31):
these nuggets of news that are really troubling and concerning,
it can really start to stack up and whip us
into this anxious, you know state. And so I thought
I could talk to you all a little bit about
coping with that uncertainty right now. A lot of what
we're seeing, you know, what we're talking about, and even
(22:52):
that news about Amazon. It ain't happening tomorrow. It's happening
over the next years, maybe decades, and we don't know
for sure what it will mean for everybody, you know,
and the larger workforce. We don't know what will really
happen to our jobs. We don't know what will really
happen to our career prospects. And you know, if that
(23:13):
recruiter is going to get back to us, and even
if you know, if we get that job, if it's
going to work out or not. And there's just so
much that's uncertain about the time that we're in right now.
And if there's one piece of advice I could offer
to myself and to y'all as well, it's that really
(23:33):
starting to build up our tolerance for uncertainty is going
to be essential. It already has been essential, but even
now more so. And I say building up tolerance because
I do believe it's a practice. It's a practice to
work those muscles that we need and equip ourselves with
tools so that we don't let this uncertainty cloud us
(23:57):
and get us down and create barriers to where we're
not able to, you know, do what we got to
do to take care of ourselves, to take care of
our families, and to keep it moving. So I want
to share some of the tools and systems that I
am implementing to shore up my own capabilities when it
(24:18):
comes to dealing with uncertainty at a time like this.
So the first thing that I'm doing these days to
really cope with the uncertainty is self compassion and I
and it is honestly a verb self compassion, slowing down
and taking care of myself first and foremost, and doing
(24:39):
that in small ways. It's really difficult to do everything
else that we know we have to do, you know,
to be able to cope with uncertain times if we
are not ourselves taking well care of So if you're
not already really focusing on how much sleep you're getting
each day, making sure that you are being being as
(25:00):
selfish as you can be so that you get as
much sleep as you possibly can where possible, Like if
you're out there and you're dealing with health condition that
makes a challenging for you to sleep. Y'all know, I'm
a sleep apnea girly. I got my own challenges. But
if you have, I know, if you got pery menopause,
your menopausal, It can it can challenge our sleep cycles.
(25:23):
There could be something you know that's making it difficult
for you to sleep to the extent that you can
try to get a handle on that. I know firsthand
how frustrating it can be to take back your sleep,
and it took me months and months to finally get
what I needed to start getting decent sleep again. So
my heart goes out to y'all, but sleep is number one.
(25:46):
Introducing a short like a five minute meditation each morning
or a journaling practice. I was talking on a recent
coaching call with Mandy money Makers, some of the makers
where they're they've been reading this book Artist's Way, and
apparently in the Artist's Way they have they talk about
mourning pages, and so they had this They've introduced this practice,
(26:08):
which I think is very lovely, beautiful, and I think
almost sounds meditative, but instead of like meditating, you know,
listening to a meditation or whatever, they'll write down, you know,
just a stream of consciousness about how they're feeling, what
the day is bringing, what their intentions are for the day.
(26:28):
So that's something to consider as well. But a quiet
five minute ritual where you are I think it's most
helpful to remind yourself what it is that you have
to be grateful for what you do have, whether that's personal,
whether it's financial, whether it's as simple as air in
(26:48):
my lungs and a roof over my head. But to
practice some sort of like five minute ritual of practicing
gratitude and quiet and really reflecting on that, I think
can kind of steal you for the day ahead. It's
helpful as someone who has lots of anxious, intrusive thoughts
(27:09):
sort of fighting for my attention at any given time.
Last night, for some reason, I had so many anxious
thoughts that weren't letting me go to sleep, and I
wrote them down. I couldn't physically get pen and paper
because I got my whole CEPAP equipment on my head
and it's a whole thing. So I grabbed my phone
and just kind of jotted down a few of those thoughts,
(27:30):
and then I took it to paper in the morning
and wrote down. I put it in three different categories.
I put it into podcast worries, book worries, and personal
and financial worries, and sort of just I can flip
to it right now. And I think I had like
four or five six different items under each category, and
(27:53):
I don't know organizing it that way, just getting them
out of my head and onto the page, because I
was just feeling you know that, you know that feeling
that you get when you have a lot on your
mind and there's not a lot of resolution to it.
They're just questions about the future and the past and
the well did I do that? And what if I
had done that differently? And what do I have coming up?
And did I you know, am I prepared for that?
(28:15):
Getting it onto the page sort of helped quiet those
voices and the fact that I had to be realistic.
And this is another you know, takeaway I think is
I have to be realistic on the days when a
list of things like that is going to be accomplishable
and when it's simply not. And for me today, because
(28:36):
my son's school was closed and I didn't remember that,
so I didn't have a childcare plan for him. I
had a five year old with me all day, and
as much as he can entertain himself, he won't do it. Okay,
So I had to be realistic and make peace with that. Okay,
this list is not going to be managed today, But
I'm going to jot everything down, and I'm looking at
(28:59):
each of these and none of these is going to
make or break my life if it doesn't happen today,
and I can afford to wait until the next day
to really tackle these. So everything, most of everything on
this list. I was only able to tick off four
things on this list today, four out of like fifteen
worries that I had. But just reminding myself that I
(29:22):
can I can do this tomorrow, and that they actually
they're not life or death. It's not fight or flight.
I can really just chill a little bit was absolutely helpful.
So reframing mindset also is important. And therapy has been
really helpful for me here because a therapist, especially if
(29:43):
it's someone who's practicing cognitive behavioral therapy, you know, you
really get you get a coach to sort of help
you reframe your own thoughts and help you pick apart
thoughts that are causing you harm and causing you distress.
And a lot of our relationship to uncertainty this day
is is kind of catastrophizing what the worst possible outcome
(30:04):
might be. And I think it can be helpful to
have a thought partner there. Maybe it's a therapist. Maybe
it's a parent, a sibling, a trusted friend. But having
someone who you can sort of unburden yourself to and
say the scary things out loud and then kind of
work with them to take a look at that feeling
(30:26):
or that thought and try to flip it in a
way that becomes more manageable for you and less destructive
can be really helpful. Now, financially, financially, let's be real.
If you're looking toward this economy, I mean with I
think we're heading toward the second quarter in a row
(30:48):
of negative GDP growth, and y'all know what that means.
A recession. That's all we need to be necessarily technically
in a recession. But I feel like we're already in
a recession as it is, but a recession is on
the horizon. I was on the Win with Black Women
Call on Monday or Sorry on Sunday, and they had
(31:08):
this incredible black female economist. Her name is Julianne Malveaux,
and she was basically saying, recession is coming two to
three months out, will officially be in a recession? And
I think we've been questioning is it a recession? Will
it be a recession for so long. But in terms
(31:31):
of like how we can actually prepare for that level
of uncertainty, what does that actually mean. We're already seeing
these you know, mass layoffs and job loss and a
challenging job market. So what can we actually do to
hedge ourselves and try to protect against that and cushion
against that. There's a couple of strategies I would be
thinking about, and honestly, my first strategy is as much
(31:54):
about creating like personal financial resilience as it is is
also just like chucking up a middle finger to big
business in corporate America, who is putting profits over people
at every stage of the game, and like helping you know,
finance this three hundred million dollar ballroom while we're not
(32:14):
giving Bennett Snap benefits to working families who can't afford
to keep food on the table. It's just nonsense. So
my first, you know, strategy financially is to spend less.
We're heading into the holiday season, like introducing a no
spend policy around now, not around groceries and necessities and
(32:38):
things like that, but into the holiday season, like don't
go spending and using your dollars and pouring them back
in to the coffers of the very same people who
are trying to actively oppress us, trying to actively replace
us with bots just to further their own bottom line.
Like I'm talking about canceling that Amazon subscription, Amazon membership. Hell, yes,
(33:03):
I've actually been Amazon free, I want to say, probably
since the spring, not long after we started the target boycott.
I was like, this feels good. Now let me try Amazon.
And you know what, life is great. Life's actually great
without Amazon. I don't actually need all those things that
I thought I needed as quickly as I needed them.
(33:23):
And if I absolutely do need something, Amazon can still
get it to me in one or two day shipping,
you know, even without a membership often. So yes, I
would say spending less in general, just looking at how
can we how can we be a lot more thoughtful
with where we are putting our dollars and as you're
(33:44):
spending less, automatically setting up some additional savings contributions throughout
the month. I mean, even making it a weekly habit,
Like on Friday, how much did I save by you know,
by not purchasing this, like eating out that day, by
you know, not buying a more expensive gift for the
(34:07):
kid's birthday that take my child to or you know,
whatever it is that you're doing to cut that cost,
how can you pour that money back into your own
savings and investment goals to shore yourself up financially. I
made a pretty big decision, well, my husband and I
made recently that we're actually not going to be traveling
(34:29):
back to Atlanta for the holidays because it's going to
be like two thousand, five hundred dollars for the four
of us to fly to Atlanta for the holidays, and
like two thousand dollars. I just I just it just
blew my mind and I'm not interested in paying a
big airline that much money right now. I would much
(34:50):
rather I mean shit, I'd rather put a thousand dollars
into each of my kids college funds and just the
idea of the holidays too. I mean, these kids get
so much off. My son's birthday is coming up to
before Thanksgiving, and I just know the stuff train is
coming and I just don't want to be adding to that.
And so instead of doing that big trip, I'm thinking about, well,
(35:12):
what are some experiences I can plan for us as
a family that we can, you know, do together, whether
it's a family trip or an activity or more than
one activities, you know that we can invest in as
a family for our own good. You know, as much
as I love seeing my siblings, my mom and I
will see them outside of the holidays. I will. And
(35:34):
I'm realizing that we haven't really done like a nice
you know, just us, just the four of us family
trip in a very long time. So trying to rethink
the way that I'm spending my money and spending a
lot less boycotting or we need to boycott. But when
we are spending money, doing a gut check on are
(35:55):
we actually spending in alignment with our what our values
are and what our goals are, and asking yourself those questions,
even like through journaling or chatting with it through with
a friend can be helpful and I think can also
help you remove any sting of guilt or shame from
making a different decision of how you're going to spend
your money by like just reminding yourself that, Okay, this
(36:18):
is actually in alignment with what I say my values
are and getting me further toward a certain goal that
I may have. And during times of economic uncertainty, it's
all about the money in your account Like that's the
buffer that you're going to have between you and being
in a really tough situation. Now for my solopreneur entrepreneur girlies,
(36:42):
if you have an LLC or you're a full time
business owner, I think planning an end of year call
with your accountant to well early December, I have an
accountant call where I'm going to hopefully talk about just
end of year tax strategies and seeing what else we
can do to limit our texts burden for twenty twenty
five heading into the new year is a pretty good
(37:06):
habit to or a good goal to make for yourself. Also,
my accountant. As scary as taxes can be for me,
actually knowing that I have an accountant I can turn
to and ask those questions too, and damn I pay
her enough, she'd better be taking my calls actually helps
me be able to tolerate a lot better the anxiety
(37:27):
that I can get from just that piece of business ownership.
It's always been just for me, like the most anxiety
inducing things. So a really solid accountant is worth their
weight in gold. And if you're someone who's who've owned
a business, maybe you've been doing it yourself and things
are gonna get a bit more complicated, like don't put
(37:49):
it off, you know, find that support that you need
and invest in it because good Like I said, a
good accountant can really make things so much better for
yourself and honestly save you a lot of money because
of the strategies they can help you implement, may be
able to help you implement, you know, with your business,
and it's super It's important to find one who's who
(38:12):
can actually practice in your state. They're kind of like
therapists as an accountant like you are capable of working
in certain states. So make sure that you're looking for
ones who are licensed in your state and you know,
get that support for yourself. Now, ba fam, I want
to hear from y'all as we are in this extremely
(38:34):
heightened level of uncertainty these days, are there any strategies
that are helping you cope with the uncertainty of the moment,
Anything that is helping it feel a little bit less
anxiety inducing, that helps you feel like we're shining a
light under the bed. We're going to face those monster's
head on. I'd really love to hear from y'all. You
can email me Brand Ambition Podcast at gmail dot com,
(38:56):
or you can hit me up on IG. I'm at
brand Ambition. I would so love to hear from y'all.
Matter of fact, I would love to just share a
couple of comments that I've seen on Spotify recently and
from IG listeners. Oh great. Here. The first one is
from Taj HoneyC. Taj says on a recent Oh on
(39:19):
My episode where I'm talking about depression, she says, Mandie,
thank you for being candid. Please give yourself grace and
know you are not alone. You are loved, appreciated, and
highly favored. Thank you, Taj. And listener Asia said from
last week's episode where I'm talking about who's funding the
White House ballroom project. Asia says, I had no clue
(39:41):
that all those companies were funding that White House project.
It makes me feel ickier than if it were tax dollars.
Seems we need to use that same target boycott energy
and apply it to those corporations on AI. I'm mixed
due to the dirt behind its energy usage, but I
totally understand its convenience and capabilities regarding the daunting task
(40:02):
of performance reviews, especially as a manager of twelve direct reports.
That's right, I was talking about using AI for your
performance reviews. You're right, Asia, I mean you have to.
You can't. You can't use AI and not understand that
it is putting a huge strain on the climate with
the amount of water it takes to cool down the
(40:25):
processing like computers, the amount of computation power, and the
water it needs to cool down those computers. So that
we can you know that it can fund our searches
on on the different AI tools that we're using. So yes,
very fair point, madam, very fair point. Shout out to
our YouTube fam. We are at five three hundred and
fifty two subscribers on YouTube. I'm so proud and honestly
(40:50):
I'm happy with like the I felt like YouTube is
kind of kind of be scary when it comes to
commenters in general, but bea fam. We all are just
incredible and I really feel like the qual of comments
that we get are so thoughtful. So I'm honestly always
checking for our YouTube commenters. One of my favorites to
read her comments is Regina. You know you're my girl, Regina,
(41:13):
says Hi Mandy. I love all the positive things you're
doing for yourself. I will work on slowing down as well.
Regarding the climate we're living in. What you're saying is
blatant corruption is happening right in front of her eyes. Yep,
I am saying that, Regina. She also says, I'm praying
for you and hubby and all else affected by these
(41:33):
layoffs and snap benefits. Keep caring and sharing. Thank you, Regina.
Let me reply to you right now, because you know
you're my girl. I love it. Oh. And then Alyssa
Amanda R says I love your honesty and vulnerability. Mandy,
this is what attracted me to this show. You and
Tiffany have always been so open about the good and bad. Yes,
(41:54):
thank you, Amanda are and then all right, one more
Alexis really is we're in sweets that Alexis. Oh, this
is the Mama's episode with Reina and and Jessica from
a couple of weeks ago, where we were just checking
in about motherhood at a time like this, motherhood, mental health,
all the things. Alexis says, I feel you, I feel you.
(42:15):
It gets better for us, heart and hugs. Thank you, Alexis. Honestly,
it gets better is a mantra that I try to
tell myself a lot, because, like one of the lies.
I think anxiety and depression can really tell us is
that whatever we're feeling is going to be that way forever,
and that the pain or the discomfort is going to
last forever and the Yeah, so just that reminder that
(42:39):
it gets better is just I mean, it's one of
the simplest and most effective things I can think you
can tell to someone who's really struggling in a moment
of like, you know, anxious thoughts and panic and on
all that. So thank you. Also thank you to the
BA fan on the Patreon for helping me choose my
book cover. There was an overwhelm winner, and I have
(43:01):
to say I also want to say that I gave
the feedback to the publisher. They've already done their revision
and I love the book cover. So if you voted
for option what was it Option B? Or do you
let me do him quick check right now and I've
forgot Yeah, So if you voted for option B, you're
going to be very happy. I will be announcing the
final book cover soon and sharing that on the Patreon,
(43:22):
so make sure you're signed up. You can join totally
for free patreon dot com slash brown Ambition. All right,
I'm gonna take a little break, ba fam, I'm gonna
come back into a brown boost brown break. See you soon,
all right, ba fam, I'm back. I want to do
a big, big brown boost for the wonderful Kim Lewis
(43:44):
the founder of kurl Mix, black owned, female owned natural
hair care brand that I have used in the past.
And Kim and the you know, we're talking about vulnerability
and reaching out, to reaching outward or support even when
you are feeling challenged. And Kim really personified that whole mission,
(44:07):
that whole message this week when she posted in a
now viral clip that curl Mix is on the brink
of shutting down. They're based in Chicago. Kim has run
this for I think a decade now, and they need
twenty thousand orders before December thirty first or they'll have
to shut down for good. And she's doing this campaign
(44:29):
right now, and honestly, it's a wonderful. Like we talked
about no spend, but when I say no spend, I
mean no spend on the corporations that are actively oppressing us. Absolutely,
let's spend on black owned businesses, especially black women own
businesses like curl Mix. So if you go to curl
mix dot com. Right now, there's this incredible, this incredible
(44:49):
offer that she has right now, this promo. It's one
hundred dollars for ten of their most popular products. So
for just one hundred bucks, you can get ten different
hair products. I don't even know physically what's all in
this bundle, but I bought one myself and I plan
to divvy it up as gifts over the holiday season.
And already she's gotten over one thousand orders just by
(45:10):
opening up and sharing her challenge on Instagram. And Kim
actually has been on the show maybe once or twice
now for sure once this year, and she's just incredible,
and she's always been open about the challenges of entrepreneurship,
and the reality is that you know, these having a
consumer products business like where you are physically creating a
(45:32):
good and then selling it, it's incredibly challenging to maintain operations.
You have cash flow shortages all the times. If y'all remember,
we had the great Stacy Abrams on the show a
couple of years ago, and she was talking about how
she had that baby bottle company that her and her
partner had founded and they had to shut down simply
(45:53):
because they ran out of cash and they could not
get the financing or the investment that they needed to
just keep operations open. That they had a profitable business
that was working, but you have these cash flow shortages
and you have to get product out. So I just
wanted to do a big Brown boost to Kim and
to Curl Mix and encourage you, BAFAM to check out
(46:14):
chro mix dot com and pick up that one hundred
dollars ten product bundle. I mean ten for ten is incredible,
especially y'all know naturalistas. The prices on these these air
products are insane, so it's really a great deal. And
then just to support Kim, I love you so much
and I love chro Mix, and hopefully BAFAM, we can
be a part of keeping chro Mix open. We need
(46:38):
businesses like Kim's to be thriving for all of us
and for everything that she stands for. So that is
my boost for the week. I want to hear from y'all.
Please hit me up Brown Ambition Podcast at gmail dot
com or hit me up on ig Thank y'all so
so much for the support. Make sure you check the
show notes for links to anything that's been mentioned on
(47:00):
the show. And more resources of how you can support
Brown Ambition until the BAQA on Friday. It's me Mandy
Witch of Santos aka Mandy Money. Thank you so much
for tuning in. I'll see you next time. Bye. Hey,
ba fam, Let's be real for a second, and y'all
know I keep it a book. The job market has
(47:20):
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 that keep
cutting us out of opportunity. Our unemployment rate has jumped
to over seven percent, while our pay gap continues to widen.
(47:44):
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 to get the job that you want.
(48:04):
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 also
get peer to peer accountability with proven tools and resources
(48:28):
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 so that you can lead your career with
(48:48):
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 Mandy Mundy slash community.
That's Mandy m a NDI money dot com slash community.
I would love to see y'all there. Enrollment is open,
(49:10):
so please go check out mandymoney dot com slash community today. Okay,
va fam, thank you so much for listening to this
week's show. I want to shout out to our production team, Courtney,
our editor Carla, our fearless leader for idea to launch
productions I want to shout out my assistant Lauda Escalante
(49:32):
and Cameron McNair for helping me put the show together.
It is not a one person project, as much as
I have tried to make it so these past ten years.
I need help, y'all, and thank goodness I've been able
to put this team around me to support me on
this journey. And to y'all, ba fam, I love you
so so so so much. Please rate, review, subscribe, make
(49:54):
sure your sign up to the newsletter to get all
the latest updates on upcoming episodes, our tenth your anniversary
celebrations to come, and until next time, talk to you
soon via bye.