Baby Bonds, Tax Confusion & Essence Fest Mayhem

Brown Ambition

iHeartPodcasts

Careers, Education, Self-improvement, Investing, Business

4.9 • 2.5K Ratings

🗓️ 9 July 2025

⏱️ 98 minutes

🔗️ Recording | iTunes | RSS

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Summary

In this week’s Brown Table, Mandi is joined by Yanely Espinal (@missbehelpful) and Marc Russell from Better Wallet to break down the new “baby bonds” launching in 2025 (if your baby’s already here... sorry, you missed the cutoff 😅).We also get into the mess around the so-called “Social Security tax credit” (spoiler: it’s not a credit), and why that distinction matters—especially for those of us managing our parents’ finances.

Plus: Mandi gets real about possibly saying goodbye to NYC for good, the crew recaps the Essence Fest scheduling nightmare (Lauryn Hill at 3:37 AM!?), and we talk about what it truly means to feel safe, seen, and at home.

✨ Brown Boosts & Brown Breaks

Yanely celebrates Delaware becoming the 30th state to require financial literacy for high schoolers!
Marc shouts out the book Die with Zero and challenges the “save everything” mindset

🎧 Quick Hits

What baby bonds actually are—and who qualifies
Why mixing up deductions vs. credits is a big financial fail
The fear, facts, and pressure around gun ownership in the South
Essence Fest recap: sound issues, late starts, and why some fans were not having it

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Transcript

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0:00.0	This is an IHeart podcast.
0:04.2	Run a business and not thinking about podcasting.
0:06.9	Think again.
0:07.5	More Americans listen to podcasts than adds supported streaming music from Spotify and Pandora.
0:11.7	And as the number one podcaster, IHearts twice as large as the next two combined.
0:15.7	Learn how podcasting can help your business.
0:17.4	Call 844-844-I-Hart.
0:21.3	What do a flirtatious gambling double agent in World War II,
0:25.8	an opera singer who burned down a nunnery to kidnap her lover,
0:29.3	and a pirate queen who walked free with all of her spoils have in common.
0:35.4	They're all real women who were left out of your history books.
0:39.4	You can hear these stories and more on the Womanica podcast.
0:43.9	Check it out on the IHeartRadio app, Apple Podcasts, or wherever you listen.
0:49.9	On the latest episode of Next Question with me, Katie Couric, I sat down with Jasmine Crockett, Democratic representative of Texas.
0:58.4	She's holding out the fort for her party in one of the most conservative states in the union.
1:03.3	I think that ultimately, who will become the Democratic nominee for president will be someone that has been out there and has shown that they won't allow themselves to be punched and just say thank you.
1:14.8	Like, they will punch back.
1:16.8	Listen to next question with me, Katie Couric on the Iheart radio app, Apple Podcasts, or wherever you get your podcasts.
1:24.8	Did it occur to you that he'd charmed you in any way?
1:28.6	Yes, it did, but he was a charming man.
1:33.0	It looks like the ingredients of a really grand spy story.
1:37.3	Because this ties together the Cold War with the new one.
	...

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