Rock Your Net Worth in 2018

reserve you guys for New Year's Eve. You're going to be here on my couch eating my food, and it's done. So that's where we work.

Let's talk about Mama opraen these golden globes, and then we could get then we could take up the trash later. All right, fine, So Lady Oh, Oh, Lady Oh delivered the most amazing, inspiring speech nine full minutes where they did not even turn on the music because they knew better for Lady Oh, and it was just it was just what we needed to hear. And so I just want to I just want to take a moment to say thank you, Oprah. You are the Queen Bee, the Queen Oh, I don't.

basically just stopped watching after that. But the whole Globes, with the Me Too movement and all the all the celebrities wearing black and solidarity to show that they, you know, for the Times Up movement, it just feels like we're fine. Like like the fear around the whole Me Too movement was that, you know, is this like a flash in

the pan? Is it really going to last? And is it going to like touch people's lives who aren't celebrities and who don't have huge platforms and you know, lots and lots of money, and so to have the Times Up movement that they started, they you know, they put out that they announced it on New Year's day in this like massive splashy like New York Times one page ad and it's three hundred actresses, producers, like high powered women in Hollywood who are getting together. But they're not

just you know. Initially I was like, ough, like whatever, they're just you know, it's the rich, celebrity women, you know, trying to create another sort of you know, awareness movement around sexual harassmentch was fine, But what I've really what changed my mind about it was the fact that they are actually creating this Legal Defense Fund, Oh yes, yes, which is meant to They've already raised thirteen million dollars, but then they've opened up a GoFundMe account where you

can contribute, and the funds in this Legal Defense Fund are meant to reach women who are not in the same privilege position as them as the founders of this movement, who may not be able to like, who aren't willing to speak up about what's happening to them at work because they're afraid of losing their jobs or they don't have the resources to take people to court.

You know, We're going to do something. And to see all the women who were black, except for the unfortunate few that clearly didn't get the memo they don't have friends. I was like, ma'am, why are you wearing a red dress? A red dress? No one told you? I felt bad. It was one lady in particular, wasn't in a text. Yeah, you could tell. She was like wait. I was like, ma'am, are you not in the secret Facebook group where they said everybody were black? Don't play yourself? And it wasn't

even like she wore dark green. It was cherry red with cutouts. She was like, I know, but no. It was just really great to see that, you know, even like the subtle, the not so subtle shade of celebs on stage like Natalie Portman when she said and the all male nominees for director are Ron Howard next to her looked like Yi looked like Mike Myers when when Kanye said George Bush doesn't care about black people, he

was like, that's not a word exactly. That needs to be a meme, a word, and it was just so dope tall. So also see Tauana Burke, right, the woman that started the Me Too movement?

I guess it was written during the election, not during well during like the actual campaign, time before the election happened. Is that when that book was written.

even at his beloved media company. Racist right remdia compute what is it called? Barhart? Right?

back anti Republican establishment candidates. And so the fact that he's seen such huge, massive donors to his cause back out in the wake of his remarks in this book, and now he stepped down for bright bart News, it's taking away that power. And I think a lot of people are excited about that.

Should or should we just leave it? To leave her because she's talking about your father Bublue, Like, and I think you mentioned before like that, yes that you you know, you believe that. Obviously she knows, but she's kind of like like a little subtle dig But I'm like, girl, your blood relation. I can't. I can't.

She was the first African American woman to win that award. It was called the Cecil be the Cecil b Merit Award. I forget Cecil something award by the by the Golden Globes. And who was the third one, Oh Azizanzari. Yeah, he was the first Asian to win. But I think he was Best Actor in a Comedy for Master of None.

color who won besides Oprah. So until Oprah spoke, I didn't see any other you know, of color making speeches. It was a lot of white women who had who were winning you know, awards in their category, which was great. But I think just because there weren't as many winners of color, you didn't you didn't like hear those voices as much. This was kind of sad, but yeah, you know, yeah.

And if you did, how much debt? And for the past three years we've been doing this survey and guess which direction the number is going up? Up, up, up. Yeah.

handle this. So this year, on average, people who took out took on holiday debt racked up over one thousand and fifty dollars on credit debt alone, which doesn't sound like a ton of money, But if you think about it, like if if you're if you're the kind of person who maybe has opened up like a store credit card around the holidays, and you put a thousand bucks on that card, if you just make the minimum payment on that card, and you have like a twenty plus percent

interest rate, you could easily be paying that card off for the next five six years, like totally and hundreds of dollars in interest charges. So it's significant. And I don't know about you, but I feel like I think that this is a inagible amount of debt for anyone

to have, for the average person to have. But what scares me is, like things are great now, but what if you let this debt linger and you just sort of like take your time paying it down, and then when things aren't so great, then all of a sudden, you've got this debt that you didn't pay off when things were a little bit flusher in the bank and now you're like stuck with it and then you're missing payments.

And I think that's like how the spiral starts. Yeah, it's like it's it's taking care of debt when you can, when you have the means, so that when you something happens and you don't have the means, like you're not getting stuck down the rabbit hole, which I think a lot of like a lot of smart people do.

So I want to stabilize parts of my financial life to say, okay, so worst case scenario, like you know that we will always have enough if our house is paid for, we will make enough to cover our expenses, like even if I don't have a business anymore, or whatever, or there's a shift and trends or whatever, you know, And so no, I totally get it that you're right that when people are confident, they feel like, oh, I've got this debt, because I definitely have been there where

I'm like, oh, I got this debt and then I lost my job, and then I lost my home, and I wish I didn't have this credit card debt holding me down. A friend of mine actually reached out to me and she was struggling with her credit card debt.

One of her interest rates where like was like twenty five or something percent, something crazy, And so I actually directed her to the National Foundation of Credit Counseling because she was like, I don't have a whole lot of money, and all these financial or credit advisors you know, or they charge a lot, and you know, not all of I used to think all of them were cooks, but actually knows some personally and then they're not all. But I like the NFCC it's NFCC dot org because they're

nonprofit based. So so she actually went through it and they based her payment like when she pays them to help her, they based upon what she makes, so it's like super low. She pays like twenty bucks a month or whatever while they're like helping her organize her finances and and get her credit together and stuff. So that's really low because most of the credit folks I know charge one hundred plus one hundred dollars or more.

that you can actually make your payments. So those like the two requirements. But they so you pay them a fee every month and then they will work on your behalf as much as they can to negotiate, to negotiate your debt, come up with solutions to pay dow your debt, whether it's consolidation or organizing your debt and prioritizing it, whatnot,

helping you with that whole strategy. So like there's other debt lily firms like you were talking about that charge also charge fees to do something similar, but who one may do things that are shady, like ask for fees upfront before they even do the service, or they may say that they can help you negotiate your debts, but then actually like the lenders won't even work with them.

So there's there's definitely things to watch out for. But I think the reason, like everyone in that, like people like you and me, we always mentioned the National Foundation for Credit Counseling, it's because they're nonprofit yep, and they are not in it to make money off you exactly.

it off sooner. My monthly payments are now lower, and she was like, is it normal that they charged me a fee. I'm like, well, how much is the fee? And she was like twenty bucks a month. I'm like, yes, girl, like that is more than fair. So I was just really happy that she was happy and was moving toward you know that she'll be done in a few years and there's no I was like, there's somethings. I told her to check on make sure there's no prepayment penalty.

I know that there wasn't with the NFCC, but I want wanted her to be. I wanted her to start asking those questions as part of procedure, are there any prepayment penalties? What other fees do you have? Like? So I had her had kind of like this checklist, and so she ended up feeling really empowered and so yeah, it's it's just a great organization if you're if you're in trouble and you want to you really need some handholding,

but you can't afford you know, these other companies. Do you want to boost or do you want to break? I'm excited because I actually have a really good boot today. So I was like, we're not giving over boost to break.

And what's super exciting is that their executive board is all black women, which I'm like, yes, So it's just like I know a lot of people that work at Essence, and everyone over there is like super duper duper excited, and so yeah, So because Essence is not just a magazine,

Essence is a communications company. So they you know, they have Essence Fest and they have conferences and experiential like platforms and e commerce and so I'm just I'm just really excited to see the direction that Essence takes now that the magazine that speaks to black women is run basically by black women, which makes sense.

But when I was a youngin, Essence was like the go to. So it'd be nice to kind of see it pop again, you know. Oh on a little side boost, I got your car your holiday card today.

the website had like sixty percent off. It was it was exciting.

for the spinoff What Nework is that on? I just watch everything on Hulu now.

the most important number you can know about yourself? Just to set us up.

far as your finances. And you might tell somebody I make a million dollars a year and it sounds awesome, but that doesn't, like I said, express where you stand as far as your financial health. And so your net worth is a it's based upon two numbers. It's based upon your assets that's what you own, and your liabilities that's what you owe. So your net worth is what you own assets minus what you owe liability. So own like a car. People some people debate whether your car could be an asset.

So like let's just say you own some pretty expensive jewelry, you know, you can include that in your net worth of your jury is a substantial enough, you know, not like if you have a you know, I mean, if you've got like a fifty dollars ring, that's cute, But I don't know, I wouldn't necessarily add that to my networth unless I unless I was like, you know, young, and I didn't have many assets. But your liabilities are

things like you loan, your mortgage, your car note. So some people were asking me, like when they're folks who are doing the challenge, delivered your challenge, if if like their cable bill is a liability, and I'm like, no, unless you're behind. You have to think about your liability basically is debt not bills, So something that you have to pay down and off, that's the liability.

I was almost three hundred thousand dollars. My network was a negative three hundred thousand almost because I owed the house that I eventually lost, which was like two hundred thousand my mortgage. I also owed thirty five thousand dollars on a credit card because of a scam that I was a victim of. And then I also owed fifty thousand on a on my student loans, so that was like what to eighty and I didn't own and well, I had a beat up car, so it was like

maybe the car's worth pair five thousand. That's literally all I had left because I had taken all the money out of my retirement account, I had no savings, I had no money, maybe like a few bucks in my pocket, but that was it. So my net worth was basically like negative two seventy five, so pretty steep. And that's one of the reasons why I kind of really wanted to focus on networth this year with the Liveratuer Challenge, because we've done the fundamentals. That was the first year

we've done the savings edition. That was the second year. Last year, you know, we we partnered with Magnify Money, and you guys saw Mandy every single week and I'm gonna get her on this challenge as well. We did the Credit edition, which is really dope, and so this year, as usual, the challenge is completely free. It's my gift to y'all. You can sign up for the Networth Edition

at l RC networth dot com. We actually don't have like any big sponsor or anything this year, so just like kind of like me out of pocket, just like sharing because I love to see y'all move full. So I can't wait to, you know, take this net Worth question so y'all can learn how to make a networth pop in twenty eighteen.

The mortgage is a debt. But when you put them together, you have a much smaller number than the debt that you owe. Or yeah, you hopefully have a much smaller number. So I just think, yeah, it's a more holistic way and more like realistic way of looking at what you owe and also what you have working for you. So love it, love it, love it. So in honor of the net Worths Challenge from the Liberature Challenge this year, I wanted to take this question and you guys, nothing

has changed in the new year. You can still send your questions to us at Brown Ambition podcast dot.

really good and fitting for the net Worth conversation. So Ashley has this question, she says, I am well, I'm grateful for your knowledge and pleasant discussion of topics that can sometimes be difficult to discuss. I'm a twenty seven year old married teacher of five years. I have a tendency to look for more work like tutoring, essay grading, academic support, rather than trying to better manage the funds

I am currently earning. What recommendations do you have for a go getter to get on track to get on track for better financial management. I see that working hard and getting side hustles was great, but I also feel like I'm losing time with my family and also have

to consider that as part of the price. So it's like she's taking on a bunch of work trying to increase her This is one way to increase your net worth, but she's wondering, like could she get further by working on the underlying issues that she may have like the reasons why she feels like she needs to take on this side hustle work in order to have to do less of it so she can spend more time with her her family.

personal goals are. So if you have not but I will say this that if you have not maximized your current budget meaning not meaning that like you know, you're counting every little penny and you're not going anywhere or anything else, but you're not you don't have an actual working budget. You're not kind of looking at the ins and outs of how the money is coming in. Definitely do that because you might find you don't have to

work as much as you think. You know, that's the key is that I don't believe in what I call over sacrifice. What I don't just call it that, it's like a word like I don't believe in over sacrifice, meaning like you shouldn't do more than you have to do to achieve your dream. So if your goal is to save let's just say ten thousand dollars in twenty eighteen, you can say, well, I can work extra hours to

make ten thousand. Or you know what if we you know, eight out lunch, you know, only three times a week instead of five times a week, we could save five of the ten and I only have to work half as much. So you have to kind of do that that like juggling act, but start with your basic budget so that way you don't have to over sacrifice, you don't have to work as much if that's not what you so desire.

thousand dollars net worth. Like, I think, once you have that number and every major decision you're about to make, asking yourself, like how is this going to impact my net worth? Is it going to get bigger or is it going to get smaller. I think that that can

really help people. I mean, I think that's a differference between going out and upgrade into the hottest car or that new iPhone because you feel like everyone has it, yep, versus finding a car that you can drive for ten years because it's gonna make your net worth positive.

house cash and what that meant. And now there's a potential investment property that we're going to purchase, And now all of a sudden, he starts he's shifting like what he sees that money can do, Like I can get this car, or I can get this property that's actually going to put one hundred thousand dollars in our pocket. Huh,

let's do that instead. And so, you know, it's much easier to stick to a plan when you have a specific goal in mine and the goal is tangible, because it shifts your definition of sacrifice because no one really likes sacrifice. But I don't feel like what we do is sacrifice because in the end, there's so much more to be gotten. So asking yourself, you know, kind of

like what is that end goal? Because then it becomes joyful making decisions that put you toward that end goal, and you start to realize that the things that you wanted to collect before, you know, are actually not not as fun because they take you away from your goal of financial freedom.

increase your net worth. Like for example, one way to increase your net worth obviously is to cut expenses so you can save more, but think about saving in a vehicle that could like really work for you, Like saving

in a way where your money can actually grow. You know, baby steps obviously, like getting an online savings account where you might get a better return for your money, or a CD where CD rates are arising, or something even bigger like what Tiffany's saying, like seeing about investing some savings, investing your your finances into an investment property that could

potentially give you returns. Opening up or contributing to your four to one K which can give you return on your money over time, or like opening up a brokerage account on the side when you feel like you are in a place where you can do that because then your money is working for you and it's it's like adding that extra little bit of something something to your strategy so you're not just so you don't like you're just like some people can feel like you're digging a

hole and it's just like filling back up with stand is that the expression is that a thing I'm like, I haven't heard that you're trying to put down but thanks.

what about maximizing that? Like if you have income from your side hustle, how you know maybe instead of just putting it in a regular savings account, if you know, if you've got most of your debts paid off and you can invest it, like why not make the money work a little bit, you know, investing into a brokerage account or an IRA or something or an IRA or something like that on the side, or putting it toward a bigger investment goal, like like an investment property down the line.

really learn more about what they do. And one thing that they have and I'll give you the link for it, is that they actually do and I just got mine the other day and I thought it was great. They do a free investment plan which can cost anywhere from one thousand dollars plus. And because I had actually paid an investment advisor not too long ago to create an

investment plan. So what I liked about the Lvest investment plan was that you went on you said your age, and there was like five different future financial goals choose from like I want to get a house, or I want to I want to grow wealth, or I want

to retire or whatever. You choose your goals and then you put your goals in order of importance and then you put down how much money do you want to have one and then so Elves creates like this just like personalized plan that kind of says, okay, Mandy at the age R Now if you save for twenty years and put it in an IRA account or you put it in this kind of account and the average rate of return on that account is this, this is what you're gonna have. This is how close you can get

to your to your goal. I just thought it was really great to kind of see like these numbers compute. But in a way that was because I've done a lot of those kind of like almost all of them have something similar like that. But I'm not gonna lie. Sometimes I'm looking at it, I'm like, I don't know what this means, you know, like what is this? What do these numbers mean? But it was really clearly define

and it's completely free. You know. Of course it's always an upset which you don't have to because I have a financial advisor. So you can take your investment plan and sit with your financial advisor if you have one, or take your investment plan if you decide you want to invest on your own, but at least you have some sort of blueprint. So it's like I said, it's free, and I don't know how long it'll be free, but well I think I'm pretty sure'll be free for a long time.

these are my goals. Now I can see them in like this financial way that I understand. Let me you know, it's just a great jumping off point no matter what you decide to do with.

executive in the banking industry. So and I would put it in the category of a betterment wealth front Elevest because they have these sort of prepackaged sort of investment portfolios and do you do get sort of like a semi tailored investment portfolio, but they're not like actively moving like they're not actively managing it like you get it like you know, really an expensive investment firm and they but because of that, they can charge lower fees than

what you may get from like traditional investment firms. But it's in that category of like betterment wealth front yep, I'm blinking on some others.

advisor can be helpful. Yeah, I have. I've looked into, Like, oh, personal Capital is another one. Personal Capital is pretty good. You It's it's sort of it's like it's like a mint coupled with an advicement, an investment advisory firm, like a digital investment advisory. So I think you have to have a certain amount of assets. But it's I love it because I love their interface so much, and it's it's where I get my networth at. I love Personal

Capital's like whole interface. Okay, And if you want to like go the next step up, you can get one on one coaching from their advisors. I don't actually know what their fees are, but it's something to look into too. Personal Capital.

a person. They're like, what financial advisor, but also are like I don't know what to do. So it's just like it's a great way to do it yourself, but not oveway by yourself. It's almost like going to college. So you're like, I'm an adult, but you live in the dorm and there's like a dor mom, and you're like, okay, you're you live by you, you're independent with help, you know.

an investment strategy. This is the exciting part where you're like, Okay, I'm in a pretty solid place, yeah, and I'm ready to make my money work for me.

In the beginning, the first the ritual challenge was all about the fundamentals because people were literally like I'm just trying to say five dollars a month. So I was like, okay, how do we get you to the fundamentals of basic budgeting, basic money mindset? And then it was like everybody want to save more and I'm like okay, And then it was like okay, girl, I'll have some savings. My credit is crazy. Then it's like Okay, So it's I'm really wanting to push us forward, and so I don't know

what next year is going to be. Like I said, I take a temperature, I ask questions, I look at the survey and then it but it'll it'll build upon networth. It might be the Investment Challenge, it might be the small business edition of you know So, but just whatever

the next level kind of looks like. And then and then I think that'll be it, quite honestly, and this is my first time saying it publicly, but I think after that that we'll just loop the challenges back around again, that it'll it'll round at at five solid free challenges and then you know, we'll go back and start with the fundamentals again for those who want to do that again, and just like reloop every five years with the challenges. And honestly, I'm really proud of them because so many

people have been able to help themselves. Like I always say, I don't want to be your financial guru. I think, like, first of all, I don't I know like five things, and I'm like, girl, I don't know, but what I do know is how to teach, and so if I figure it out after messing up, or I can phone a friend. I know how to put it in a way that you can now help yourself. I want to be your financial girlfriend where I'm like, I'm not here to tell you like everything, and you're supposed to come

back to the well and keep dipping into the well. No, I'm here to create a resource that can teach you that has been well researched, not just from my own knowledge, that I've partnered with really dope people to make sure that the information is correct and accurate, and that teaches you in a way that honors where you currently are and teaches you in a way that you're able to reteach the people in your network. Because a guru has to talk to everyone. A girlfriend just talks to you,

and then you're the girlfriend to your girlfriends. And so that's what i want. I want to teach you and for you to take that information and to share with other people. And that's how movements really move forward. Because one day I'm gonna have twins and I'm gonna be too busy for all of this. Wait what, I don't know. That's what Superman said. He's like, you know, we haven't twins, right, I'm like, please stop wishing twins upon my unius. It's like and my mom today said it. She was like,

I was just thinking about you. I think you guys should go for twins. I'm like, why is everybody telling us because he's just going for well, because well, because so my surgery is gonna be in like two weeks. So we haven't talked about how we're gonna be our taping, but so and so my fibride surgery, and then three months after that we can try to have a baby. But I think honestly that instead of like waiting for just the natural route, I think I'm actually gonna go

for in vitro because I'm thirty eight. So I just kind of feel like, girl, maybe pro thirty i'd be like, well, let's try for a year naturally. But I feel like, you know, at thirty eight, I'm kind of like, let's stack the odds in our favor. Plus he's got that good insurance so that they paid for everything, they paid, they would pay for everything, and you know, yeah, one of his coworkers actually had twins. She chose to have two fertilized eggs and planted, and he was like, well,

you know what that means. I'm like, I don't actually know what that means, but I'm becoming more and more open to the thought of twins because although I know it would be a lot, especially for the first time out that I don't know that I just don't know at thirty eight, if I'm gonna be able to do it twice, you know what I mean. Like, there's like, if I get pregnant this one time, this might be it, you know what I mean. So, and I kind of don't want to just have one kid. I mean, more

and more that I think about. I mean, we have bonus daughter, which I love, and she's eleven, so I really I mean, I grew up with sisters close to my age, and I know what it is to have someone close to your age to play with and hang out with, and that should beff and I kind of want that for my kid, And so I'm thinking about twins. Girl, we shall see a budgeted the babies, Oh, Chad, I'm

gonna make those. The time those kids are five, they will have paid for their their college tuition with I'm like, I need we're gonna be doing a blog post. Guy, Are you guys ready? Are the babies ready, let's go.

want to push it off. And then it's like, well, do you get the surgery where they cut you open like a c section, or you did get the lapiscopic I think where they kind of like laser it out, and so just there's so many choices and so many risks depending what you choose, and then if you choose the surgery, there might be scar tissue, you can never get pregnant. There's just honestly, everybody.

They're trying to figure out what to do next. Reason why I talk about it because I want to normalize the fact that this is something that specifically our Brown ambition community experiences at a higher rate than other communities, and it's something that we should talk about that it shouldn't be some hidden secret, you know, And what do you do? A lot of women are like, well, girl, I had my baby, so I'm good, you know, or like you know, a lot of women I know have

used exercise and diet. So I mean, I've definitely lost weight and I've changed my diet. But I just don't have the time to kind of wait. Like if, like I said, if I was a little bit younger, maybe I'd be like, you know what, I'm going to rock out this year, strict diet and exercise, shrink them naturally, and then go for the baby. But at this point, I'm just like take them out because I want to get this party started right.

go to like drugstore dot website. So I went to drugstore dot com. Well what I what I happened was I went to Walgreens dot or right, yeah, drugstore dot com, which is like owned by Walgreens now, and they actually have an FSA shop in there. So everything in that little category on the site you can pay for with your benefits card. So you know, I may or may not have gotten a bunch of unneeded pregnancy tests, like did those expire? I don't even yeah, like six.

I know that's not really a win, but I just want it. I just need some encouraging, encouraging.

the amazing things they did. And I've already had one case where someone reminded me of something that she had done earlier this year and I was like, oh, I forgot about that. You're right, that was dope. Yeah, So a win in advance for this whole process and hopefully making the right sort of decisions.

I want to get something passed. And I said, okay, Well, in the state of New Jersey, there's a law where they have to teach some level of financial education in high school. But honestly, I taught preschool for ten years in New Jersey and it needs to start as low as kindergarten because by age truthfully, by age three, kids start saying can you buy me? Not can you can? You can? I have? And she was like really, And

I was like, but there's no law for that. I mean, like teachers might teach a little bit about money or whatever, but there needs to be some thing in place, and she said okay. So we sat down together and we started crafting a bill, and then we met with some committee for Education of Kids or something like that and worked on the bill even further. And so the bill kind of like slowly started to grow and she started

to get bipartisan support. And so the bill originally was going to be named the Budget East to Bill, but we found out we couldn't name it that because you can't name a bill out of a business, but we call it it that anyway. Really it's Bill A three three sixty nine, but who cares about that. It's the Budget East the bill. So what's super excited that she hit it yesterday and said, so there's three there's four levels of government that had to go through. It had

to go through the what did she say? It had to go through the Assembly Committee, then the Assembly House, then the Senate Committee, and recently the Senate House. So there are thirty three senators in New Jersey in all, thirty three, so thirty three to zero voted yes on this bill. So that was the final kind of frontier as far as that part of the government is concerned. And now the last step. The bill now is currently on Governor Chris Christie's desk and all he has to

do is sign it and that bill becomes law. Yes, and that law would be that K through eight So kindergarten to eighth grade would have to learn some level and I'm sure we'll figure out the logistics and stuff later, but they have to be taught financial education. So the first time they're not introduced to it for the first time in high school. That they're learning it early on and just to be it's just it feels crazy and historic and momentous to be part of, like something that

can be turned into a law. So now I'm like, what, but at least the law even though clearly they're not calling it that, but I'm calling it that. So yeah, I just want to say it. Honestly, I did, like, you know, a little bit of the work upfront. But Angela, Angela v. McKnight, she is amazing because I mean, it's one thing to sit down and say there should be a law, and the law should be this, and that's

literally my involvement. Angela, the one with though, is the one that had to go get support on both sides of the aisle and massage it and go to the Senate and go to the Assembly House. And so it's been two years of her tireless work to get it to where it is now. Where I mean the work you have to do behind the scenes. If you watch House of Cards, you see what it looks like to get everybody like on board thirty three to zero that everybody said yes, we want this bill to be a law.

So my win truly is for Angela and her tireless work that even before she was an assembly woman, she had started a nonprofit called Angela Cares, where it was to provide support for senior citizens where she lives in Jersey City. She's an amazing woman, a mother, a grandmother and just you ever meet those just kind hearted souls.

And she ran for office because she was doing such great work in the community just because that people are like, I want you to be in office, and she was like yeah, and they like pushed her and then I forget what her first election was that she won, and now she's assembly woman and I'm just hoping that she goes further and further because she's one of the one that really does it because she wants to see people do and be better and she's got and just the

fact that like she's a brand new assembly woman and for her to have a potential law under her belt, like it speaks volumes to her her character and her ability to get stuff done. And she's brown ambition. So there's not win for the budgetist the law aka law A What did I say, girl? See No one remembers saying A three three sixty nine.

just to make a little bit of an impact. And I'm a huge hypocrite because its not like I've done that, but that's awesome, awesome, Yeah, go ahead.

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your child is wearing. You just know it's H and V. It's not like he's gonna be naked, you know, so he's gonna wear a hoodie or whatever. But you don't get to actually see the pictures. And then the pictures typically parents see them when when when the world sees them? And so that because a lot of people were saying, what why did his parents allow us? And they might not have known until we kind of knew. But let's

place the blame where the blame lies. I don't despite it being even if it was taken in Sweden, where maybe that's not considered racist, but you put the ad here in the United States, where you know better. I mean, come on now, but I did hear. The good news is that Diddy offered him a million dollar modeling contract for his I don't know if I didn't know if he still had a clothing line, but apparently offer him a million dollar modern modeling contract, which is dope?

your team will Sweden? You said, well yeah, but still, I mean like, okay, so if pictures are shot in Sweden, do they not like trickle down to So if if marketing stuff is not gonna if it's something that you created for the overall company is going to be shared in different markets, is there not like some sort of like oversight committee, because you know, what might go in in in the Hispanic market might not go well over in Uh, you know, I don't in an African market,

you know what I mean? So, like I would assume with a I'm sure h and M is a billion dollar, if not multi multi multimillion dollar company, that there's some sort of oversight committee because you just knowing that all things don't fly everywhere, you know, and just looking like, huh, calling this little brown boy a monkey via his sweatshirt might not be a good idea, but it's just yeah, it's.