Speaker 1: BA, fam, we have another how to throw back for you.
Speaker 1: Of course we do all month. We're looking back at
Speaker 1: some of our favorite episodes from days past, for memorable
Speaker 1: guests to unforgettable moments. There's still so much to learn
Speaker 1: from the b A Vault. Take a listen, will ya?
Speaker 2: Okay, Hey, it's Q and A with BA.
Speaker 3: I'm excited A Q and A so happy today. Q
Speaker 3: and A are they gonna say?
Speaker 2: All right?
Speaker 4: So we're going to write into it. This is our
Speaker 4: special bonus episode. So BA brid a mission, Q and
Speaker 4: A Question and answer. You ask your question, you get
Speaker 4: your answer. And remember we are not financial advisors. We
Speaker 4: are not I don't know whatever legal schmiegel AKA see
Speaker 4: your grandma, not us, goid to us. Now, we're just here.
Speaker 3: Just don't see your grandma either, but especially but if
Speaker 3: you go to see.
Speaker 2: Somebody, I prefer your grammy. But me and Manny are
Speaker 2: just here.
Speaker 4: We are literally just sharing our opinion and it is
Speaker 4: up to you to lean into the expert in your life,
Speaker 4: to vet verify and to follow through. Okay, Okay, Mandy,
Speaker 4: who's our first person?
Speaker 3: I love this question, Carl. Yes, I saw this question
Speaker 3: on instain. I'm so glad that producer Sarah picked this
Speaker 3: one out. Carl says, I love the podcast and what
Speaker 3: you both are doing to empower our community. I just
Speaker 3: started a new remote job in March that I enjoy
Speaker 3: for a solid company with great benefits. I'm making eighty
Speaker 3: five K, the most I've ever made in a low
Speaker 3: cost of living area. I've been getting recruiters sliding into
Speaker 3: my dms on LinkedIn, and I finally decided to chat
Speaker 3: with one. She has a role that's one hundred percent remote,
Speaker 3: same industry for about one hundred and thirty five K
Speaker 3: per year. The only issue is that it's a six
Speaker 3: to twelve month contract attempt to hire role, so I
Speaker 3: have the uncertainty of it. We're also building a house,
Speaker 3: and I know that banks get a little bit weary
Speaker 3: when there's big changes in a financial situation. What do
Speaker 3: you think? Am I crazy for considering the move from
Speaker 3: something reliable to something potentially uncertain. My initial thought is
Speaker 3: don't worry until you get the offer. But my wheels
Speaker 3: are already turning. Ooh, this is a juicy ooh, juicy juicy.
Speaker 4: Although there is one huge component that makes me say,
Speaker 4: sir Carl, but I'm gonna let you rock with it.
Speaker 3: What you say, Mandra, No, tell me what what what
Speaker 3: caught you?
Speaker 2: What caught you?
Speaker 4: A Carl story, the part that caught me everything else.
Speaker 4: I'm like, Oh, you know, maybe i'd make the leap,
Speaker 4: but building a house.
Speaker 2: Carl, that makes me nervous. Now here's the thing. I've
Speaker 2: never built a house. I do know.
Speaker 4: Let's just say, if you were, you know, house shopping,
Speaker 4: and you were like, I'm thinking about getting a mortgage,
Speaker 4: this would literally be the worst thing you could possibly do.
Speaker 2: If you switch jobs before.
Speaker 4: You close, they're almost sure to be like you thought, Carl, bruh,
Speaker 4: we gave you this loan based upon your current financial situation.
Speaker 4: You have now changed it to one that makes us
Speaker 4: feel a little nervy. Nervy, Like I'll give you an example.
Speaker 4: So I make like significantly more than my husband. But
Speaker 4: my husband has worked for where he works for for
Speaker 4: the last like twenty nineteen years. When we were looking
Speaker 4: to get a mortgage, he actually was the one that
Speaker 4: they were like, we don't want to talk to Siphany.
Speaker 4: You're really cute. Well you cute with sure many years
Speaker 4: of work at a solid job.
Speaker 2: How you doing?
Speaker 4: I was like, what I make a lot of money.
Speaker 4: They're like, yeah, yeah, what's your shaky entrepreneurship. It's not
Speaker 4: cute over there. So that's the part that just makes
Speaker 4: me a little nervous, is that, I don't know, with
Speaker 4: building a house, if you kind of like lock in,
Speaker 4: you've already locked in your financing and they can't take
Speaker 4: it away.
Speaker 2: But that makes me a little shaky. Saki, what say you, manajoin?
Speaker 3: I completely agree with you. Two big red flags, that
Speaker 3: being one. The second one is yes, they're offering one
Speaker 3: hundred and thirty five K, so that's fifty k more
Speaker 3: than he's from my mathematics are correct, fifty k more
Speaker 3: than he's making now. But it's a contract role and
Speaker 3: with that means they are not giving you ne'er one benefit,
Speaker 3: probably no four to one K matching, probably no healthcare,
Speaker 3: probably no free be this and free be that. And
Speaker 3: I think that's why you're seeing an inflated salary. And
Speaker 3: also you're gonna have to you know, if they pay you.
Speaker 3: I don't know if they'll take out taxes, but you
Speaker 3: may have to set aside some of that for taxes
Speaker 3: as well as well. So I would ask those questions
Speaker 3: for sure, especially if you're seriously entertaining this offer, you
Speaker 3: really should know exactly what this means to you. I
Speaker 3: see you said you're building a house. You say, we
Speaker 3: so I assume you have a partner, you know, if
Speaker 3: they can provide you health benefits or if you're not
Speaker 3: missing out on any benefits that you are at your
Speaker 3: current employer, you know, maybe that is a little bit
Speaker 3: more in favor of the more higher paying role. At
Speaker 3: the end of the day, I think Tiffany's exactly right.
Speaker 3: As long as you're building this house, and my little
Speaker 3: brother's actually building a house right now in Atlanta. Sure,
Speaker 3: and there's I know, I so kind that he He's like,
Speaker 3: nobody calls me Drake, but you only on your podcast. Meanwhile,
Speaker 3: no people at Public's hey, Drake, listen, Carl the while
Speaker 3: you're building your house, you know. The good thing for
Speaker 3: me And what I would say is like, this role
Speaker 3: is being offered to you now at six to twelve
Speaker 3: month contract. You know, you could hang around at this
Speaker 3: great paying job that you have for another six months
Speaker 3: and you can know, you know, maybe your house is
Speaker 3: done then or you've got that out of the way,
Speaker 3: and then you know people are offering jobs like yours. Remotely.
Speaker 3: This doesn't mean this is the only opportunity. I would
Speaker 3: be excited by this. I'd be excited and be like,
Speaker 3: oh shit, people are willing to pay a lot of
Speaker 3: money from my position on a contract basis. So when
Speaker 3: I'm ready, they should still be some opportunities available. But
Speaker 3: you know, for right now, while you're building this house,
Speaker 3: let's just have some financial stabilities so that you and
Speaker 3: your partner, you know, are not completely screwed over when
Speaker 3: it comes to the banks if you're you know, getting
Speaker 3: a mortgage or alone, like you say, like you sound
Speaker 3: like you are. Wow, But congrats, that's exciting. And I
Speaker 3: feel the same way about like, yeah, when I went freelance,
Speaker 3: it was like, oh, you can't say yes to everything. Yeah,
Speaker 3: but it's exciting to know that there's other opportunities that arouse.
Speaker 2: Everybody wants to get chosen. You got chos food buying,
Speaker 2: two people.
Speaker 3: So all right, thank you so much, Carl. What about
Speaker 3: number two? You want to read this one? Too?
Speaker 2: Sure?
Speaker 4: Hey, ladies, I'm considering jobs in higher education outside of
Speaker 4: California because I'm not getting any callbacks or job offers here.
Speaker 4: I had three interviews in twenty twenty and thus three
Speaker 4: and twenty twenty one and nothing. I mean, one job
Speaker 4: went well as far as calling my references and still nothing.
Speaker 4: I've applied out of state to Arizona, Texas and other states.
Speaker 4: My question is how do I check the compensation rate
Speaker 4: for the new job in a new state? My question
Speaker 4: is how do I check the compensation rate for the
Speaker 4: new job in a new state and to see if
Speaker 4: it's comparable to working in California. I know there are
Speaker 4: no jobs across state lines offering salary matching. I just
Speaker 4: don't want to be undervalued while moving to working in
Speaker 4: a new state and not get paid my value. Thank
Speaker 4: you so much. I love y'all and the show. So
Speaker 4: let me just like download. So it's like you're looking
Speaker 4: for work higher education. I'm assuming you meaning in colleges
Speaker 4: or you know, that's what I'm thinking. So you've had
Speaker 4: all these interviews, still nothing has come back. But you're
Speaker 4: trying to basically compare working from state to state to see.
Speaker 2: How much money is.
Speaker 4: Like obviously, California the coast typically pay more than other states.
Speaker 4: So you're just like, you know, it's California's ninety thousand.
Speaker 4: Texas is fifty thousand, So you're trying to look is
Speaker 4: that was that what you're getting from this that she's
Speaker 4: trying to figure out, like having a pair compensation rate
Speaker 4: from state to state.
Speaker 3: Yeah, I think she's preparing herself to possibly be getting
Speaker 3: offers from these out of state jobs that are less
Speaker 3: than what she's possibly expecting in California, but she wants
Speaker 3: to know how low should she go. My question is
Speaker 3: you know, even now with this pandemic life, is the
Speaker 3: job going to be remote or are you going to
Speaker 3: be moving to these states. If you're moving to the states,
Speaker 3: I would say definitely, you should get your expectations adjusted.
Speaker 3: And you can do that by doing a search online,
Speaker 3: pay Scale, glass door. They may have location specific salary advice.
Speaker 3: You can also there's cost of living calculators. We can
Speaker 3: link to a couple in our show notes that maybe
Speaker 3: would help you. But also even if there's a forum,
Speaker 3: you know, a Facebook group or community or a professional
Speaker 3: organization wherever you may find your peers in other states,
Speaker 3: you could ask one of them to give you just
Speaker 3: to be a sounding board for some of the offers
Speaker 3: that you're getting. But if you're moving, yes, I say
Speaker 3: adjust your expectations. If they're going to allow you to
Speaker 3: be remote and work in California, you know, you could
Speaker 3: justify expecting a bit more as you do have a
Speaker 3: higher cost of living. You know, for example, if you
Speaker 3: want to stay in California, they may say, maybe the
Speaker 3: pay is a little bit lower, but we're going to
Speaker 3: let you stay in California. You don't have to uprat
Speaker 3: your life. You know, that's an additional benefit to you.
Speaker 3: It's definitely a conversation, but it's a little bit nuanced,
Speaker 3: and for me, it's really down to where are you moving?
Speaker 3: You know, are you going to stay in California and
Speaker 3: you know, will they expect you to accept a little
Speaker 3: bit of a lower pay because they're going to let
Speaker 3: you stay remote, or will you, you know, move to
Speaker 3: these new states.
Speaker 2: It looks like she's wanting to move.
Speaker 4: She's looking like basically, she's like, I don't you know
Speaker 4: how Like I know, and like, because I live in Jersey,
Speaker 4: I could tell you like what teachers make on average,
Speaker 4: you know, and like what's what's low, what's high. She's
Speaker 4: basically like, I'm not trying to move to a new
Speaker 4: state only to find out the Texas people they tricked
Speaker 4: me that in Texas this is actually low. So I mean, yeah,
Speaker 4: I'm trying to thinking in New Jersey, where would I
Speaker 4: find the information of like I feel like it's not
Speaker 4: with the Google search, right, Like what do teachers make?
Speaker 4: Let's pretend you're trying to be a teacher. What do
Speaker 4: teachers make in New Jersey? Because what they'll do is
Speaker 4: they'll actually list, especially for higher education, they'll list kind
Speaker 4: of like the expected salary. So that way that should
Speaker 4: give you like a range of like what you should
Speaker 4: look into. Like, well, okay, if I go to Texas
Speaker 4: and I see that for my position, you know the
Speaker 4: average pay is eighty thousand and they're offering you sixty,
Speaker 4: then you know it's on the low end.
Speaker 2: But education is a space that you can.
Speaker 4: Easily do your Googles and literally see it, like I know,
Speaker 4: for example that Newark because urban settings tend to pay
Speaker 4: more than rural settings in New Jersey. Because I don't
Speaker 4: know if I told you ever, Mandy, that one time
Speaker 4: I had posted like, oh, you know, when I first
Speaker 4: started teaching, I was making thirty nine thousand dollars a
Speaker 4: year and this woman called me a liar on Instace.
Speaker 4: She's like, you're a liar. I'm a teacher in New Jersey.
Speaker 4: We don't make that much now, let alone that long ago.
Speaker 4: I was like, hold please, because Google's are real. I
Speaker 4: showed her that, like one literally I think in Newark
Speaker 4: people are starting at sixty five thousand, because she was
Speaker 4: in rural New Jersey, and I said, I mean, I'm
Speaker 4: not trying to shame you about, you know, making less,
Speaker 4: but yes, there are some areas of the same state
Speaker 4: that pay differently. And she was like, oh wow, I
Speaker 4: didn't know that. And so, you know, don't be like,
Speaker 4: we'll call her Shila. Don't be like Shila. Do your
Speaker 4: googles and figure out, like you know, what the pay
Speaker 4: range is. Sometimes there's depending what kind of job it is.
Speaker 4: Sometimes there's literally actually websites, like especially if it's a
Speaker 4: government or a state job as relates to higher education,
Speaker 4: there's definitely going to be salary scales available online.
Speaker 3: Yeah, And I also don't hate the fact that you
Speaker 3: might be walking into that negotiation with a little bit
Speaker 3: of California swagger. Yes, you know, expecting a little bit
Speaker 3: more because maybe you ask for more and they find
Speaker 3: that they can incher that budget up a little bit.
Speaker 3: I love an outlier. And my experience as a manager,
Speaker 3: whenever you'd have someone coming in, especially if you're approaching
Speaker 3: somebody from another company, typically you got to give them
Speaker 3: a bigger raise. So for example, if I was hiring,
Speaker 3: if I had just promoted a writer to a senior writer,
Speaker 3: maybe they got a I don't know, ten percent raise.
Speaker 3: But if I was recruiting a senior writer from somewhere
Speaker 3: else and I had to lure them to me, they
Speaker 3: may come in like a twenty percent and then the
Speaker 3: next round of compensation it's like, oh, well, we have
Speaker 3: this new person coming in. They're kind of raising the
Speaker 3: bar for salary. You know, we got to make sure
Speaker 3: everyone else is on the same page. So rising tides
Speaker 3: kind of lift all boats. So I'm not mad at
Speaker 3: you walking in there asking for a little bit more
Speaker 3: than maybe a local a local would, but yeah, absolutely.
Speaker 4: Cause you from Caliboo Boo, you been leaning into it.
Speaker 4: If you have questions, you can submit them.
Speaker 3: To us that Ambition podcast at gmail dot com. Thank you.
Speaker 3: I'm looking at the Google doc, not your face.
Speaker 4: I can get your keys, oh sorry, my visual cues.
Speaker 3: Or you can go to brown Ambition podcast dot com
Speaker 3: and ask us anything. Do you love your questions? Keep
Speaker 3: sending them?
Speaker 4: Yes, I mean you can also like Instagram know us,
Speaker 4: we like them, you know there as well. But yeah,
Speaker 4: if you like this podcast, which obviously you do cause
Speaker 4: you're here, Mandy and I would like to beseech you.
Speaker 4: And that's a great word right to invite at least
Speaker 4: who know those trace people to listen to Brown Ambition,
Speaker 4: because you know they might be like you might have
Speaker 4: a friend that asked you a financial question and you're like, sis,
Speaker 4: you'll not say that means I don't know what's fanished.
Speaker 4: Send them here. We will answer the I can't promise
Speaker 4: that we'll get to it, but we'll try our best.
Speaker 4: We will try our best, no, honestly, like, send at
Speaker 4: least three people our way. We want to grow our
Speaker 4: podcast so we can reach more people and help more people.
Speaker 4: Mandy and I are really excited about like new things
Speaker 4: that are coming. We just want to make sure that
Speaker 4: you guys are getting all that you need from us.
Speaker 2: So we love us.
Speaker 4: Tell all the people you love us, tell us them
Speaker 4: via social media, but send a link, like, listen to
Speaker 4: this episode. It's the question you asked me last week.
Speaker 3: So I just feel like, shout out to your third
Speaker 3: grade Spanish teacher. It's what I want to say, because
Speaker 3: those lessons really stuck with you every week thinking a
Speaker 3: little some something.
Speaker 4: I know, a combination about twenty Spanish words, and I'm like,
Speaker 4: and I'm not good at tensis. I'm like, I'm probably saying,
Speaker 4: you know, like present tensions to the past, partisan whatever.
Speaker 2: But you know, doctor Zobro would be very ashamed of me.
Speaker 4: She was my middle school Spanish teacher, and my name
Speaker 4: was Carolina because you know, you have to pick a Spanish.
Speaker 3: Carolina, yeah, because they didn't just like Spanish fie.
Speaker 2: Tiffany, no, because what is the tifoni? I don't know.
Speaker 4: But Carolina was my Spanish name, and she like they
Speaker 4: one and she was very serious about Spanish. Day one,
Speaker 4: she only spoke to us in Spanish. I'm like, madam,
Speaker 4: that's the way.
Speaker 2: Oh, but I'm and she was very serious. Carolina. I'm like,
Speaker 2: you know, all I knew is he don't know?
Speaker 4: Say so, shout out to you, missus Zobro for you know,
Speaker 4: trying your best, but some of them all right, y'all
Speaker 4: next week Until next week