1
00:00:16,079 --> 00:00:19,040
Speaker 1: Hey, Hey, BA fam, it's Mandra. We are back for

2
00:00:19,160 --> 00:00:23,840
Speaker 1: another week of Brown Ambition today, y'all. I avoided it

3
00:00:23,880 --> 00:00:27,840
Speaker 1: for so long. I am on my own today. It

4
00:00:27,960 --> 00:00:30,760
Speaker 1: is weird just talking to myself, but I'm just going

5
00:00:30,840 --> 00:00:32,760
Speaker 1: to pretend that all my BA fam is in the

6
00:00:32,880 --> 00:00:35,320
Speaker 1: room right now. I really want to get to some

7
00:00:35,360 --> 00:00:38,120
Speaker 1: of y'all's questions. So I am back today solo with

8
00:00:38,159 --> 00:00:41,400
Speaker 1: a ba q and a As always, we send our

9
00:00:41,520 --> 00:00:44,360
Speaker 1: love and our light and so many virtual hugs to

10
00:00:44,400 --> 00:00:48,239
Speaker 1: our girl Tiffany as she continues to heal. You know what,

11
00:00:48,360 --> 00:00:50,879
Speaker 1: why don't y'all go and send Tiffany a DM and

12
00:00:50,920 --> 00:00:53,040
Speaker 1: just let her know how incredible she is and how

13
00:00:53,120 --> 00:00:55,320
Speaker 1: much we love her, and let her know that the

14
00:00:55,400 --> 00:00:59,200
Speaker 1: BA fam is thinking about her always, especially if you

15
00:00:59,240 --> 00:01:00,960
Speaker 1: have anyone in your life life who is going through

16
00:01:01,000 --> 00:01:03,760
Speaker 1: a tough time. You know, even though we are moving

17
00:01:03,800 --> 00:01:06,360
Speaker 1: on and it feels like a lot of time has passed,

18
00:01:06,360 --> 00:01:08,840
Speaker 1: you never know what kind of journey they are on

19
00:01:08,920 --> 00:01:11,759
Speaker 1: through their healing. And I think it's sometimes a little

20
00:01:11,800 --> 00:01:16,959
Speaker 1: awkward and uncomfortable to reach out, but I think if anything,

21
00:01:17,480 --> 00:01:19,840
Speaker 1: it can never hurt just to send a little bit

22
00:01:19,840 --> 00:01:22,200
Speaker 1: of support in a positive note. I do that all

23
00:01:22,240 --> 00:01:25,319
Speaker 1: the time, so it would be great if BA fan

24
00:01:25,360 --> 00:01:29,160
Speaker 1: would just centive a little bit of love. But I

25
00:01:29,200 --> 00:01:32,120
Speaker 1: am here. I am here. I am still rocking with y'all.

26
00:01:32,800 --> 00:01:38,279
Speaker 1: What's going on outside of Brown Ambition for Mandy these days, Well,

27
00:01:38,560 --> 00:01:44,319
Speaker 1: my career, coaching and my business have been just I

28
00:01:44,319 --> 00:01:46,520
Speaker 1: don't even know how to describe it, y'all. I started

29
00:01:46,560 --> 00:01:51,120
Speaker 1: this journey last June not really sure of what the

30
00:01:51,160 --> 00:01:54,560
Speaker 1: next year or multiple years after would look like. But

31
00:01:54,600 --> 00:01:56,400
Speaker 1: I just had a lot of faith in myself and

32
00:01:56,400 --> 00:01:59,120
Speaker 1: I'm so glad that I took that risk. Since I

33
00:01:59,200 --> 00:02:03,080
Speaker 1: launched Mandy my last summer, I have coached close to

34
00:02:03,160 --> 00:02:06,800
Speaker 1: two hundred women across the country and across the world.

35
00:02:06,840 --> 00:02:10,640
Speaker 1: I've had clients in Kenya and Germany and the UK

36
00:02:11,040 --> 00:02:16,880
Speaker 1: and Canada, and it's been such a wonderful privilege to

37
00:02:16,919 --> 00:02:20,400
Speaker 1: get to talk to so many incredible people and help

38
00:02:20,480 --> 00:02:24,160
Speaker 1: them as they're navigating their career crossroads, and it's been

39
00:02:24,200 --> 00:02:26,240
Speaker 1: a joy. I'm also now y'all can catch me on

40
00:02:26,320 --> 00:02:30,000
Speaker 1: Yahoo Finance, where I am there bi weekly every other week,

41
00:02:30,320 --> 00:02:33,520
Speaker 1: chatting with the lovely host there in the afternoon Wednesdays

42
00:02:33,560 --> 00:02:36,320
Speaker 1: at one between one and two, and I'm covering all

43
00:02:36,400 --> 00:02:41,280
Speaker 1: things career and wealth building. I've been featured in publications

44
00:02:41,280 --> 00:02:44,160
Speaker 1: that I cannot even wrap my head around, like The Economist,

45
00:02:44,760 --> 00:02:48,799
Speaker 1: The New York Times, CNBC. It has been you know,

46
00:02:48,919 --> 00:02:52,919
Speaker 1: I think my journey especially is just proof of when

47
00:02:52,960 --> 00:02:56,160
Speaker 1: it comes to navigating your career, it really isn't a

48
00:02:56,200 --> 00:02:59,320
Speaker 1: linear path. You just have to make the best choices

49
00:02:59,360 --> 00:03:02,440
Speaker 1: with the information that you have at the time, don't

50
00:03:02,480 --> 00:03:04,959
Speaker 1: be afraid to take risks, and just keep putting one

51
00:03:04,960 --> 00:03:06,880
Speaker 1: foot in front of the other and just trust in

52
00:03:06,919 --> 00:03:09,480
Speaker 1: the journey, trust that you may not end up or

53
00:03:09,520 --> 00:03:11,320
Speaker 1: you may not even know where you're going to end up,

54
00:03:11,360 --> 00:03:14,560
Speaker 1: but that you're going to end up somewhere phenomenal, and

55
00:03:14,720 --> 00:03:17,679
Speaker 1: just having a lot of trust in myself and knowing that,

56
00:03:18,360 --> 00:03:21,000
Speaker 1: you know, there's no such thing as job security. Really,

57
00:03:21,600 --> 00:03:25,480
Speaker 1: I think our job security is ourselves. It is our talent,

58
00:03:25,600 --> 00:03:29,000
Speaker 1: It is our ability to bounce back from whatever challenges

59
00:03:29,040 --> 00:03:31,840
Speaker 1: we encounter. And if there's one thing that I've learned

60
00:03:31,880 --> 00:03:34,320
Speaker 1: over the past I don't know ten to fifteen years

61
00:03:34,360 --> 00:03:37,119
Speaker 1: of my career, is that I'm always going to rise

62
00:03:37,160 --> 00:03:39,400
Speaker 1: to the top. I'm always going to float. You know what,

63
00:03:39,400 --> 00:03:42,880
Speaker 1: I mean land on my feet. And it's that faith

64
00:03:42,920 --> 00:03:45,440
Speaker 1: and trust in myself that has really allowed me to

65
00:03:45,520 --> 00:03:47,920
Speaker 1: step out in this way. And I just thank y'all

66
00:03:47,960 --> 00:03:51,080
Speaker 1: for all of the support and a special shout out

67
00:03:51,080 --> 00:03:54,120
Speaker 1: to the Mandy Moneymakers, which is my special group coaching

68
00:03:54,160 --> 00:03:57,560
Speaker 1: cohort that I just launched in January. Oh my goodness,

69
00:03:57,600 --> 00:03:59,760
Speaker 1: this group of women. I can't even tell you how

70
00:04:00,040 --> 00:04:02,320
Speaker 1: credible it's been to get to know them and to

71
00:04:02,440 --> 00:04:09,320
Speaker 1: create create this small, intimate, beautiful community of women helping women,

72
00:04:09,920 --> 00:04:12,160
Speaker 1: and it's just a beautiful thing. If you guys want

73
00:04:12,160 --> 00:04:14,400
Speaker 1: to find out how you can join the waitlist to

74
00:04:14,480 --> 00:04:17,360
Speaker 1: join the next cohort of Mandy Moneymakers, just head over

75
00:04:17,400 --> 00:04:19,880
Speaker 1: to mandymoney dot com. That's m A N D I

76
00:04:20,640 --> 00:04:24,960
Speaker 1: M O n e y dot com and join the waitlist. Alrighty,

77
00:04:25,000 --> 00:04:27,760
Speaker 1: but now let's get into your questions. Continue to send

78
00:04:27,800 --> 00:04:30,599
Speaker 1: us questions, y'all. Hit us up at Brand Ambition Podcast

79
00:04:30,680 --> 00:04:34,160
Speaker 1: on Instagram. You can also email us Brand Ambition Podcast

80
00:04:34,279 --> 00:04:37,080
Speaker 1: at gmail dot com. That is the best way to

81
00:04:37,080 --> 00:04:38,760
Speaker 1: get in touch with us. If you want to check

82
00:04:38,760 --> 00:04:41,039
Speaker 1: out our brand new, beautiful website, you can also submit

83
00:04:41,080 --> 00:04:45,760
Speaker 1: a question there. That's brandambispodcast dot com already, so let's

84
00:04:45,760 --> 00:04:48,520
Speaker 1: do it. So our first question comes from listener Paula.

85
00:04:49,000 --> 00:04:53,039
Speaker 1: Paula is going through something that Peloton workers right now

86
00:04:53,080 --> 00:04:55,280
Speaker 1: are all experiencing. Did you guys hear the news about

87
00:04:55,320 --> 00:05:00,880
Speaker 1: Peloton laying off twenty eight hundred workers in one fel SWA. Now,

88
00:05:00,960 --> 00:05:03,240
Speaker 1: this is a really good example of the fact that

89
00:05:03,480 --> 00:05:06,159
Speaker 1: no job is secure, even if you are the latest

90
00:05:06,279 --> 00:05:11,880
Speaker 1: unicorn company. You know, Peloton had a phenomenal, phenomenal year

91
00:05:11,960 --> 00:05:13,920
Speaker 1: in the wake of the pandemic. I mean, and I

92
00:05:13,960 --> 00:05:16,760
Speaker 1: was one of those people who purchased a Peloton and

93
00:05:16,760 --> 00:05:18,680
Speaker 1: then also was like, WELLO I need to get them

94
00:05:18,760 --> 00:05:21,479
Speaker 1: the stock. You know, this is a good example of

95
00:05:21,520 --> 00:05:24,800
Speaker 1: why maybe you shouldn't buy individual stocks, or at least

96
00:05:24,800 --> 00:05:28,040
Speaker 1: not by individual stocks expecting an immediate return, because like

97
00:05:28,080 --> 00:05:31,000
Speaker 1: a lot of folks, you know, I purchased some Peloton

98
00:05:31,120 --> 00:05:34,240
Speaker 1: shares and if y'all have been watching, their stock has

99
00:05:34,320 --> 00:05:40,000
Speaker 1: been just, oh my god, getting annihilated lately. So just

100
00:05:40,040 --> 00:05:42,560
Speaker 1: a little you know, personal finance lesson here. When it

101
00:05:42,560 --> 00:05:45,920
Speaker 1: comes to investing in personal stocks, I do it based

102
00:05:45,960 --> 00:05:48,600
Speaker 1: on products that I love and companies that I believe in,

103
00:05:48,960 --> 00:05:51,360
Speaker 1: and I am a long term buy and whole kind

104
00:05:51,360 --> 00:05:55,120
Speaker 1: of gal. So even though in my opinion, Peloton if

105
00:05:55,120 --> 00:05:57,200
Speaker 1: not in my opinion, it's just happening, even though they've

106
00:05:57,200 --> 00:06:00,320
Speaker 1: been struggling lately. I'm not necessarily going to just dump

107
00:06:00,320 --> 00:06:03,520
Speaker 1: stocks of a company that I still believe in. I'm

108
00:06:03,520 --> 00:06:06,040
Speaker 1: in it for the long haul. And it really depends

109
00:06:06,040 --> 00:06:09,080
Speaker 1: on your investing strategy and how much of your how

110
00:06:09,160 --> 00:06:12,159
Speaker 1: much risk you think you can assume. I am definitely

111
00:06:12,200 --> 00:06:15,240
Speaker 1: not using the majority of my you know, my money

112
00:06:15,279 --> 00:06:19,400
Speaker 1: for retirement for individual stock trading. It's just not what

113
00:06:19,480 --> 00:06:21,400
Speaker 1: I do. I use a little bit of money on

114
00:06:21,480 --> 00:06:24,840
Speaker 1: the side, and I mostly invested, yeah, a couple of

115
00:06:24,839 --> 00:06:29,479
Speaker 1: individual stocks, but also my favorite etf SO exchange traded funds.

116
00:06:29,520 --> 00:06:31,520
Speaker 1: I'm kind of going on a tangent right now. I

117
00:06:31,520 --> 00:06:34,200
Speaker 1: will get back to Paul's question, but I just wanted

118
00:06:34,240 --> 00:06:37,320
Speaker 1: to first talk about Peloton and the fact that they

119
00:06:37,680 --> 00:06:41,040
Speaker 1: despite the crazy successful year that it seemed like they

120
00:06:41,040 --> 00:06:44,080
Speaker 1: were having in the wake of the pandemic, Hey, what

121
00:06:44,240 --> 00:06:47,400
Speaker 1: goes up will eventually come down, right, And they had

122
00:06:47,440 --> 00:06:50,479
Speaker 1: this massive reorg. They're laying off twenty eight hundred people.

123
00:06:50,480 --> 00:06:54,280
Speaker 1: Their CEO is out, and those you know workers are

124
00:06:54,279 --> 00:06:57,960
Speaker 1: going to be scrambling to find new employment, just like

125
00:06:58,160 --> 00:07:01,560
Speaker 1: our lovely listener Paula, who said, here's her question. My

126
00:07:01,760 --> 00:07:05,719
Speaker 1: organization just announced a reorg that will directly affect me.

127
00:07:06,360 --> 00:07:08,320
Speaker 1: What advice would you give me to make sure that

128
00:07:08,360 --> 00:07:12,800
Speaker 1: this change will benefit my career and myself financially? Thanks

129
00:07:12,840 --> 00:07:17,240
Speaker 1: in advance, Paula. So, a reorg, this happens a lot

130
00:07:17,280 --> 00:07:20,360
Speaker 1: at companies, whether it's through for example, they get acquired

131
00:07:20,400 --> 00:07:23,480
Speaker 1: by another company and you've got two companies trying to

132
00:07:23,520 --> 00:07:26,640
Speaker 1: marry one another, and they've got to like figure out, Okay,

133
00:07:26,720 --> 00:07:29,600
Speaker 1: we have one hundred customer service reps over here. Okay,

134
00:07:29,600 --> 00:07:31,600
Speaker 1: but we've got two hundred over here. Do we need

135
00:07:31,680 --> 00:07:35,160
Speaker 1: three hundred or should we consolidate? And you know, there's

136
00:07:35,320 --> 00:07:37,760
Speaker 1: the negative part of that, which is that often it

137
00:07:37,840 --> 00:07:41,160
Speaker 1: means that some jobs are going to be phased out.

138
00:07:41,920 --> 00:07:44,560
Speaker 1: But sometimes reorgs can be a lot simpler than that.

139
00:07:44,560 --> 00:07:47,040
Speaker 1: They can simply be Well, maybe it sounds like Paula

140
00:07:47,120 --> 00:07:51,120
Speaker 1: is going through where her company is deciding, Okay, the

141
00:07:51,200 --> 00:07:53,760
Speaker 1: current org structure, like who we have reporting to who,

142
00:07:53,800 --> 00:07:56,600
Speaker 1: and the different departments that we have aren't maybe working

143
00:07:56,640 --> 00:07:59,160
Speaker 1: for us right now? We need to shake things up.

144
00:07:59,600 --> 00:08:02,080
Speaker 1: Doesn't always mean that it's going to result in layoffs,

145
00:08:02,120 --> 00:08:04,640
Speaker 1: but it could result in title changes or like the

146
00:08:04,680 --> 00:08:07,440
Speaker 1: people that you're reporting to will be different, or even

147
00:08:07,480 --> 00:08:10,600
Speaker 1: people that are reporting to you may change, and it

148
00:08:10,640 --> 00:08:13,800
Speaker 1: can be a little stressful, especially if change is not

149
00:08:13,840 --> 00:08:17,760
Speaker 1: something that you're really excited about, but it is like

150
00:08:17,800 --> 00:08:20,520
Speaker 1: if you work somewhere long enough, chances are you will

151
00:08:20,560 --> 00:08:22,960
Speaker 1: go through something like a reorg. So Paula wants to know,

152
00:08:23,000 --> 00:08:25,200
Speaker 1: how do I make sure this actually benefits me career

153
00:08:25,200 --> 00:08:29,920
Speaker 1: wise and financially. So first and foremost, Paula, I think

154
00:08:30,400 --> 00:08:34,640
Speaker 1: having communication and communicating a lot with your managers is

155
00:08:34,640 --> 00:08:37,200
Speaker 1: going to be important here. Often though, when it comes

156
00:08:37,240 --> 00:08:39,600
Speaker 1: to reorgs, it depends on what level you're at at

157
00:08:39,640 --> 00:08:42,319
Speaker 1: your company. But your managers may not even have all

158
00:08:42,360 --> 00:08:45,400
Speaker 1: of the information, So have some patience for them and

159
00:08:45,480 --> 00:08:48,520
Speaker 1: listen really closely to what senior leadership is saying. Submit

160
00:08:48,600 --> 00:08:51,400
Speaker 1: questions if they're doing any town halls, and just be

161
00:08:51,520 --> 00:08:54,040
Speaker 1: the person who ask questions. You know, it be the

162
00:08:54,080 --> 00:08:58,360
Speaker 1: squeaky wheel, ask for specifics, you know, what will this mean?

163
00:08:58,400 --> 00:09:00,920
Speaker 1: Will there be potential for promotion? Will there'd be potential

164
00:09:01,000 --> 00:09:03,760
Speaker 1: for you know, people who are looking maybe you're looking

165
00:09:03,800 --> 00:09:08,439
Speaker 1: to pivot into a different department, and as the reorg

166
00:09:08,760 --> 00:09:11,800
Speaker 1: starts to take shape, as you start to understand what's

167
00:09:11,840 --> 00:09:14,679
Speaker 1: going to happen with your particular department, I would be

168
00:09:14,720 --> 00:09:18,760
Speaker 1: completely transparent with your managers, your higher ups, and tell

169
00:09:18,800 --> 00:09:21,960
Speaker 1: them where you see yourself best fitting into this new organization,

170
00:09:22,600 --> 00:09:27,160
Speaker 1: and be really cognizant of any opportunities that may crop

171
00:09:27,240 --> 00:09:30,520
Speaker 1: up for you. For example, you know, if you're I

172
00:09:30,559 --> 00:09:33,640
Speaker 1: don't know, you're a mid level right now, and you

173
00:09:33,720 --> 00:09:35,960
Speaker 1: see that in this new org they're creating more of

174
00:09:36,000 --> 00:09:41,040
Speaker 1: a senior manager position where you're seeing an opportunity where

175
00:09:41,040 --> 00:09:43,240
Speaker 1: they've got a hole that they need to fill and

176
00:09:43,280 --> 00:09:45,200
Speaker 1: you think you could fit in there. You know, I

177
00:09:45,240 --> 00:09:47,480
Speaker 1: wouldn't wait for your manager to tap you on the

178
00:09:47,480 --> 00:09:51,280
Speaker 1: shoulder and say, oh, Paula, yes, this is a perfect

179
00:09:51,360 --> 00:09:52,640
Speaker 1: role for you. We want to move you up and

180
00:09:52,679 --> 00:09:55,760
Speaker 1: over here. I would definitely advocate for yourself and keep

181
00:09:55,800 --> 00:09:58,480
Speaker 1: your eyes and ears open for those types of opportunities

182
00:09:59,320 --> 00:10:01,480
Speaker 1: and put your name the hat, make sure that they

183
00:10:01,520 --> 00:10:07,360
Speaker 1: know that you're interested, and remember times of volatility at companies.

184
00:10:07,520 --> 00:10:09,520
Speaker 1: This is really if you're someone who wants to stick

185
00:10:09,520 --> 00:10:12,000
Speaker 1: around at that company. This is where you can really

186
00:10:12,040 --> 00:10:16,240
Speaker 1: shine and make your personal brand, your professional brand even stronger,

187
00:10:16,600 --> 00:10:19,880
Speaker 1: because when there are times of like quote unquote crisis

188
00:10:19,960 --> 00:10:23,560
Speaker 1: or volatile times at a company, those employees who step

189
00:10:23,640 --> 00:10:25,280
Speaker 1: up and prove that they are going to roll with

190
00:10:25,360 --> 00:10:28,040
Speaker 1: the punches, that they're going to be reliable, that their

191
00:10:28,080 --> 00:10:31,040
Speaker 1: managers can count on them through those times of volatility,

192
00:10:31,520 --> 00:10:34,520
Speaker 1: those are the people who are going to get promoted.

193
00:10:34,559 --> 00:10:36,520
Speaker 1: Those are the people that you know, the managers are

194
00:10:36,520 --> 00:10:38,880
Speaker 1: going to want to see advance and progress and get

195
00:10:38,880 --> 00:10:42,120
Speaker 1: those year end bonuses. So I would definitely use this

196
00:10:42,120 --> 00:10:45,520
Speaker 1: as an opportunity. It reminds me of what happened for

197
00:10:45,640 --> 00:10:48,320
Speaker 1: me when I was managing a team of thirty staff

198
00:10:48,480 --> 00:10:51,400
Speaker 1: editors and writers at my company with the onset of

199
00:10:51,400 --> 00:10:53,280
Speaker 1: the pandemic, when I had to and I had a

200
00:10:53,320 --> 00:10:57,240
Speaker 1: newborn at home right those colleagues on my team and honestly,

201
00:10:57,280 --> 00:11:00,240
Speaker 1: everybody stepped up. But I've never been more proud. And

202
00:11:01,480 --> 00:11:03,680
Speaker 1: there were so many, you know, people on my team

203
00:11:03,840 --> 00:11:05,880
Speaker 1: through the year who were able to step up and

204
00:11:06,280 --> 00:11:09,840
Speaker 1: you know, get promotions because they really went to work

205
00:11:09,960 --> 00:11:12,880
Speaker 1: during that time and they made it possible for me

206
00:11:13,040 --> 00:11:17,079
Speaker 1: to run that team and transition everyone virtually. So I

207
00:11:17,200 --> 00:11:20,320
Speaker 1: like that you're seeing this as an opportunity to be strategic.

208
00:11:20,679 --> 00:11:22,960
Speaker 1: I think ultimately the best things you can do are

209
00:11:23,040 --> 00:11:26,319
Speaker 1: advocate for yourself, look for opportunities and say you want them.

210
00:11:26,559 --> 00:11:31,360
Speaker 1: But then also just be completely bad ass and become

211
00:11:31,440 --> 00:11:34,080
Speaker 1: the person that your managers can go to during times

212
00:11:34,120 --> 00:11:36,640
Speaker 1: like this when things are a little dicey, and rely

213
00:11:36,760 --> 00:11:38,600
Speaker 1: on them and step up and show that you are

214
00:11:38,640 --> 00:11:41,000
Speaker 1: a team player and all of that, because that, like

215
00:11:41,040 --> 00:11:43,080
Speaker 1: I said, is going to make them go the extra

216
00:11:43,120 --> 00:11:45,240
Speaker 1: mile for you down the line. Thank you so much

217
00:11:45,280 --> 00:11:47,760
Speaker 1: for your question, Paula, and good look. All right, I'm

218
00:11:47,760 --> 00:11:49,839
Speaker 1: going to take a quick breaking break, get some water

219
00:11:50,600 --> 00:11:52,400
Speaker 1: because it is kind of you know, it's hard work

220
00:11:52,440 --> 00:11:55,160
Speaker 1: talking about myself talking to myself all the time. Now,

221
00:11:55,559 --> 00:12:01,400
Speaker 1: and we will be right back with more of your questions.

222
00:12:02,080 --> 00:12:04,720
Speaker 1: All right, ba faan, we are back. Our next question

223
00:12:04,800 --> 00:12:08,360
Speaker 1: comes from an anonymous IG fan. Again, we're at Brandna

224
00:12:08,400 --> 00:12:10,720
Speaker 1: Mission podcast on IG, so follow us. You can dem

225
00:12:10,760 --> 00:12:15,680
Speaker 1: us your questions there. Okay, So this person says, Hey, Mandy,

226
00:12:15,720 --> 00:12:19,000
Speaker 1: I just saw your TikTok about that Mercedes recruiter. I

227
00:12:19,040 --> 00:12:21,240
Speaker 1: have a question and I hope it's not too forward

228
00:12:21,320 --> 00:12:24,240
Speaker 1: or bold of me to ask I want to renegotiate

229
00:12:24,280 --> 00:12:26,800
Speaker 1: my pay. I feel like I'm underpaid as the only

230
00:12:26,840 --> 00:12:30,600
Speaker 1: billing specialist doing work for two emergency rooms. Any advice

231
00:12:30,640 --> 00:12:33,520
Speaker 1: on how I can go about that? Okay? So if

232
00:12:33,559 --> 00:12:36,000
Speaker 1: you guys haven't seen this yet, you've got to check out.

233
00:12:36,000 --> 00:12:38,079
Speaker 1: You can go to my ig. I'm at Mandy Money

234
00:12:38,360 --> 00:12:40,839
Speaker 1: on Insta and I'm at Mandy Money with three a's

235
00:12:40,960 --> 00:12:44,880
Speaker 1: on TikTok. And basically what happened was there was this recruiter.

236
00:12:45,040 --> 00:12:47,679
Speaker 1: Her name is Mercedes S. Johnson. I'll never forget her

237
00:12:47,760 --> 00:12:52,120
Speaker 1: name now. So she posted on LinkedIn a screenshot or

238
00:12:52,160 --> 00:12:56,199
Speaker 1: she posted on LinkedIn, and she was bragging about having

239
00:12:56,200 --> 00:12:58,800
Speaker 1: a job candidate except an offer for eighty five K.

240
00:12:59,240 --> 00:13:01,160
Speaker 1: And she decided to take time out of her day

241
00:13:01,400 --> 00:13:04,320
Speaker 1: to go on LinkedIn and make fun of this person

242
00:13:04,480 --> 00:13:07,280
Speaker 1: and say, you know, the budget was actually one hundred

243
00:13:07,280 --> 00:13:09,880
Speaker 1: and thirty five K. And I don't have time to

244
00:13:09,880 --> 00:13:11,840
Speaker 1: help people learn how to negotiate. I just want you

245
00:13:11,880 --> 00:13:14,440
Speaker 1: guys to know it's really important to know your value.

246
00:13:15,080 --> 00:13:17,040
Speaker 1: And I think I, like a lot of people, had

247
00:13:17,040 --> 00:13:20,480
Speaker 1: a visceral reaction to that post from Mercedes, because one

248
00:13:20,520 --> 00:13:24,560
Speaker 1: it was just dumb. Two it was not helpful at all.

249
00:13:24,679 --> 00:13:26,880
Speaker 1: I think she thought she was really doing something profound

250
00:13:26,920 --> 00:13:29,000
Speaker 1: with that post, trying to inspire people to know their

251
00:13:29,080 --> 00:13:32,800
Speaker 1: value and to negotiate. But I just don't see how

252
00:13:32,840 --> 00:13:34,960
Speaker 1: she can say she didn't have time to give advice

253
00:13:35,000 --> 00:13:37,040
Speaker 1: to that job candidate, but yet she did have time

254
00:13:37,120 --> 00:13:39,880
Speaker 1: to go on the internet and post about it. You know,

255
00:13:39,920 --> 00:13:42,600
Speaker 1: I just thought it was really especially for someone in

256
00:13:42,640 --> 00:13:45,079
Speaker 1: her position as a recruiter. You know, she's in a

257
00:13:45,120 --> 00:13:48,520
Speaker 1: place of power. And also you know she in her

258
00:13:48,520 --> 00:13:52,000
Speaker 1: public persona talks about herself being someone who helps people

259
00:13:52,120 --> 00:13:55,920
Speaker 1: negotiate and you know, fulfill their career ambitions. And I

260
00:13:56,000 --> 00:13:58,600
Speaker 1: just think it was Oh no, no, it was. It

261
00:13:58,640 --> 00:14:01,680
Speaker 1: was a bad look for miss Mercedes. But to this

262
00:14:02,000 --> 00:14:06,920
Speaker 1: questions point, it was a good reminder, and we'll just

263
00:14:06,920 --> 00:14:08,840
Speaker 1: try to find a silver lining here. It was a

264
00:14:08,840 --> 00:14:11,760
Speaker 1: good reminder of why it is so important for us

265
00:14:11,840 --> 00:14:16,160
Speaker 1: as job candidates. Advocating for ourselves in the workplace is

266
00:14:16,160 --> 00:14:19,120
Speaker 1: so important because even the people who think maybe there

267
00:14:19,160 --> 00:14:22,800
Speaker 1: to help you get what you deserve, ultimately we are

268
00:14:22,840 --> 00:14:24,840
Speaker 1: always going to have our best interest and we should

269
00:14:24,920 --> 00:14:27,120
Speaker 1: have our best interest at heart all of the time,

270
00:14:27,200 --> 00:14:29,000
Speaker 1: and we have to learn to step up for ourselves

271
00:14:29,560 --> 00:14:32,480
Speaker 1: and to do our own research to find out when

272
00:14:32,480 --> 00:14:34,160
Speaker 1: we are not being valued the way that we should

273
00:14:34,160 --> 00:14:37,440
Speaker 1: be valued. So in your situation, Anonymous, where you say

274
00:14:37,800 --> 00:14:40,000
Speaker 1: you actually want to renegotiate your pay, you feel like

275
00:14:40,000 --> 00:14:43,080
Speaker 1: you're being underpaid. It sounds like you're working in the

276
00:14:43,080 --> 00:14:46,600
Speaker 1: medical field, and honestly, listen, I've got family who work

277
00:14:46,640 --> 00:14:50,600
Speaker 1: in hospitals and it is grueling work and there is

278
00:14:50,640 --> 00:14:53,680
Speaker 1: so much turnover as a result of the pandemic that

279
00:14:53,720 --> 00:14:56,200
Speaker 1: there are people like you who are being left doing

280
00:14:56,240 --> 00:14:59,720
Speaker 1: more work than ever but not actually getting paid anything

281
00:14:59,760 --> 00:15:04,880
Speaker 1: to so renegotiating pay. Listen, I am the person who

282
00:15:04,920 --> 00:15:07,760
Speaker 1: will who will always push people to just ask the questions,

283
00:15:07,800 --> 00:15:11,640
Speaker 1: no matter how you know bold they may seem, ask

284
00:15:11,680 --> 00:15:13,760
Speaker 1: the question, you know, go to your manager and just say,

285
00:15:13,760 --> 00:15:15,840
Speaker 1: point blank, you know, I've I have been taking on

286
00:15:15,920 --> 00:15:19,720
Speaker 1: all this additional work. Is there any opportunity to discuss

287
00:15:19,760 --> 00:15:23,200
Speaker 1: my compensation and to get an increase. You can absolutely

288
00:15:23,240 --> 00:15:25,080
Speaker 1: do that. You don't have to wait for your annual

289
00:15:25,120 --> 00:15:27,480
Speaker 1: review cycle. Just go ahead and do it. I can't

290
00:15:27,520 --> 00:15:30,640
Speaker 1: promise you they're going to do something about it. I'm

291
00:15:30,680 --> 00:15:32,200
Speaker 1: not even gonna I don't even know what the odds

292
00:15:32,200 --> 00:15:34,200
Speaker 1: are that they may do something about it. Your best

293
00:15:34,240 --> 00:15:36,800
Speaker 1: bet is to get a competing offer from another job

294
00:15:36,880 --> 00:15:39,200
Speaker 1: that's actually going to pay you more, and then you

295
00:15:39,240 --> 00:15:41,360
Speaker 1: can actually bring that to your current employer and say,

296
00:15:41,400 --> 00:15:44,680
Speaker 1: you know, I've got an offer from XYZ and they're

297
00:15:44,720 --> 00:15:47,680
Speaker 1: offering me double what you're paying me, or fifty percent more,

298
00:15:47,760 --> 00:15:50,720
Speaker 1: whatever it is. You have to be ready, you should

299
00:15:50,720 --> 00:15:54,960
Speaker 1: be ready prepared to take that new offer and walk.

300
00:15:55,360 --> 00:15:58,360
Speaker 1: But that can be some that can be really good leverage,

301
00:15:58,480 --> 00:16:01,320
Speaker 1: especially if you're you know, you want to stay, but

302
00:16:01,360 --> 00:16:04,400
Speaker 1: you just want to be paid what you're worth. Sometimes companies,

303
00:16:04,480 --> 00:16:07,880
Speaker 1: you know, if you don't give them a reason, like

304
00:16:07,920 --> 00:16:10,840
Speaker 1: a really good reason to give you a pay raise,

305
00:16:10,920 --> 00:16:13,280
Speaker 1: they can like drag their feet. They just don't have

306
00:16:13,400 --> 00:16:16,560
Speaker 1: that incentive, you know, So the risk of you walking down,

307
00:16:16,680 --> 00:16:18,640
Speaker 1: like walking away from the job and leaving them in

308
00:16:18,680 --> 00:16:21,400
Speaker 1: the lurch. Sometimes you just got to like play hardball

309
00:16:21,560 --> 00:16:23,360
Speaker 1: in that way. You got to say, like, yo, I'm

310
00:16:23,400 --> 00:16:25,440
Speaker 1: ready to walk, I've got this juicy offer, what are

311
00:16:25,440 --> 00:16:27,160
Speaker 1: you going to do about it? And then you can

312
00:16:27,160 --> 00:16:29,440
Speaker 1: see how fast they move to get you that raise. Okay,

313
00:16:30,200 --> 00:16:32,920
Speaker 1: so that's my advice to you. You can ask the question,

314
00:16:33,280 --> 00:16:35,240
Speaker 1: and I would go ahead and ask that now, just

315
00:16:35,280 --> 00:16:38,680
Speaker 1: to establish the fact that they know, Okay, she's asked

316
00:16:38,720 --> 00:16:42,160
Speaker 1: for this, she's feeling overworked, and then they can actually

317
00:16:42,360 --> 00:16:44,880
Speaker 1: then you give them some time to figure out what

318
00:16:44,920 --> 00:16:47,240
Speaker 1: they're going to do, and then on your own going

319
00:16:47,280 --> 00:16:51,040
Speaker 1: out and you know, leveraging your network, telling everyone that

320
00:16:51,080 --> 00:16:53,160
Speaker 1: you're looking for a new opportunity, seeing what else is

321
00:16:53,160 --> 00:16:55,760
Speaker 1: out there, getting some interviews, you know, and find and

322
00:16:56,560 --> 00:16:59,040
Speaker 1: potentially even getting a different offer. Then you can bring

323
00:16:59,080 --> 00:17:02,600
Speaker 1: that additional lever to them and use that for your

324
00:17:02,640 --> 00:17:07,879
Speaker 1: negotiation process. All right, thank you very much for that question. Okay,

325
00:17:07,880 --> 00:17:10,960
Speaker 1: two juicy career ones. Let's go to a more personal

326
00:17:11,040 --> 00:17:14,240
Speaker 1: finance question. This is third and last question we're gonna take.

327
00:17:14,760 --> 00:17:18,160
Speaker 1: This comes from also from IG. We're gonna call her Cheryl.

328
00:17:18,520 --> 00:17:21,119
Speaker 1: Cheryl says, I'm single, no kids. I make one hundred

329
00:17:21,119 --> 00:17:23,879
Speaker 1: and thirty five thousand dollars a year. I've got about

330
00:17:23,920 --> 00:17:26,000
Speaker 1: sixty K and my four oh one K and about

331
00:17:26,040 --> 00:17:29,360
Speaker 1: ten K saved up for emergencies. But I have sixteen

332
00:17:29,400 --> 00:17:32,360
Speaker 1: thousand dollars left to pay on my car loan I'm

333
00:17:32,359 --> 00:17:34,840
Speaker 1: thinking about taking out that amount as a four to

334
00:17:34,880 --> 00:17:37,199
Speaker 1: one K loan to pay off the car. Do you

335
00:17:37,240 --> 00:17:40,359
Speaker 1: think that's a good idea. I'm also looking to purchase

336
00:17:40,400 --> 00:17:43,480
Speaker 1: a townhouse in the future. The bank has preapproved me

337
00:17:43,640 --> 00:17:46,760
Speaker 1: for four hundred and ninety five K as of now.

338
00:17:46,920 --> 00:17:49,440
Speaker 1: Would that four oh one K loan hurt my approval

339
00:17:49,480 --> 00:17:53,240
Speaker 1: status in the future? Oh, okay, couple things. So you've

340
00:17:53,240 --> 00:17:55,120
Speaker 1: got sixty K and your four to one K, you've

341
00:17:55,119 --> 00:17:58,359
Speaker 1: got ten K saved for emergencies. That's amazing, sixteen K

342
00:17:58,440 --> 00:18:02,080
Speaker 1: left on your car loan. So car loan. I don't

343
00:18:02,080 --> 00:18:04,520
Speaker 1: have a crucial piece of information right here, which is

344
00:18:04,560 --> 00:18:07,560
Speaker 1: your interest rate on your car loan. But let's say

345
00:18:07,600 --> 00:18:11,360
Speaker 1: you've got you know, good, really good credit, and your

346
00:18:11,359 --> 00:18:13,840
Speaker 1: car loan rate is like what what's typical now, like

347
00:18:13,880 --> 00:18:17,920
Speaker 1: three to four percent? You're thinking about taking out sixteen

348
00:18:17,960 --> 00:18:20,159
Speaker 1: K from your four one K, sixteen K out of

349
00:18:20,200 --> 00:18:22,760
Speaker 1: a sixty K four one K. You know, that's a

350
00:18:22,800 --> 00:18:25,919
Speaker 1: pretty hefty chunk of change. It's a four to one

351
00:18:26,000 --> 00:18:28,159
Speaker 1: K loan, as you're saying, And so with four one

352
00:18:28,240 --> 00:18:30,960
Speaker 1: K loans, and just to be candid, I have taken

353
00:18:31,000 --> 00:18:33,040
Speaker 1: a loan out of my four to one K I

354
00:18:33,080 --> 00:18:34,879
Speaker 1: took out I think it was ten K out of

355
00:18:34,880 --> 00:18:37,800
Speaker 1: my four to one K three or four years ago

356
00:18:37,840 --> 00:18:39,560
Speaker 1: when we were doing something to the house and just

357
00:18:39,600 --> 00:18:42,600
Speaker 1: wanted a way to borrow money that wasn't going to

358
00:18:43,280 --> 00:18:45,639
Speaker 1: cost interest. The beauty of the four to one k

359
00:18:45,760 --> 00:18:47,719
Speaker 1: loan is you are borrowing from yourself and you're going

360
00:18:47,760 --> 00:18:50,919
Speaker 1: to pay yourself back. And if they charge quote unquote

361
00:18:50,920 --> 00:18:52,720
Speaker 1: interest on that four one K loan, you're going to

362
00:18:52,760 --> 00:18:56,360
Speaker 1: pay yourself that interest right And then because it's through

363
00:18:56,359 --> 00:18:59,840
Speaker 1: your employer for one K, they will basically set up

364
00:19:00,040 --> 00:19:02,520
Speaker 1: pay check deductions as you for you to pay that back,

365
00:19:02,880 --> 00:19:04,600
Speaker 1: so you don't have to remember to pay a bill

366
00:19:04,680 --> 00:19:07,480
Speaker 1: on time or anything like that. The risk with the

367
00:19:07,520 --> 00:19:10,120
Speaker 1: four one k loan is that, let's say you were

368
00:19:10,160 --> 00:19:13,439
Speaker 1: to want to leave the company, or heaven forbid, you

369
00:19:13,480 --> 00:19:17,120
Speaker 1: were laid off or fired, you may owe the full

370
00:19:17,200 --> 00:19:20,720
Speaker 1: balance of that loan back really quickly, like in less

371
00:19:20,720 --> 00:19:23,240
Speaker 1: than a couple of months. So you have to weigh

372
00:19:23,720 --> 00:19:27,199
Speaker 1: that risk. The fact that you only have ten K

373
00:19:27,720 --> 00:19:30,040
Speaker 1: saved well, I don't mean to diminish the fact that

374
00:19:30,080 --> 00:19:33,200
Speaker 1: you've got ten k saved up. That's fantastic. I mean,

375
00:19:33,240 --> 00:19:35,680
Speaker 1: that's about ten percent of your annual income, so it's

376
00:19:35,680 --> 00:19:38,800
Speaker 1: not shabby at all, but it's ten K and you'd

377
00:19:38,800 --> 00:19:40,800
Speaker 1: be taking out a sixteen K loan from your four

378
00:19:40,880 --> 00:19:44,000
Speaker 1: one k. So you know, let's say something happens and

379
00:19:44,040 --> 00:19:46,680
Speaker 1: you are let go or you leave the company. You know,

380
00:19:46,760 --> 00:19:49,960
Speaker 1: how would you be able to repay one lump sum

381
00:19:50,160 --> 00:19:53,119
Speaker 1: for a loan out of your four one k That

382
00:19:53,160 --> 00:19:55,439
Speaker 1: could potentially be about sixteen K, So you have to

383
00:19:55,440 --> 00:19:59,320
Speaker 1: think about that. Typically, like, let's say your car loan is,

384
00:19:59,440 --> 00:20:01,520
Speaker 1: like I said, you've got a really good interest rate.

385
00:20:02,119 --> 00:20:04,600
Speaker 1: I'm not mad at you just continuing to pay that

386
00:20:05,480 --> 00:20:08,320
Speaker 1: that car note off. It may feel really good to

387
00:20:08,320 --> 00:20:10,560
Speaker 1: be entirely debt free, and like, I love to be

388
00:20:10,640 --> 00:20:12,879
Speaker 1: debt free too. I paid my car loan off early.

389
00:20:13,520 --> 00:20:15,840
Speaker 1: But what are your other goals right now? You say

390
00:20:15,880 --> 00:20:18,800
Speaker 1: you're saving up for a townhouse, so I would actually

391
00:20:18,880 --> 00:20:22,080
Speaker 1: prefer if you were to continue beefing up your emergency fund.

392
00:20:22,400 --> 00:20:25,280
Speaker 1: Ten K is pretty good for emergencies, but as a homeowner,

393
00:20:25,520 --> 00:20:28,760
Speaker 1: you know, you may actually have some household emergencies that

394
00:20:28,840 --> 00:20:31,199
Speaker 1: cost even more than that, or you may want to

395
00:20:31,240 --> 00:20:34,280
Speaker 1: do some work to the house, like moving expenses, are

396
00:20:34,800 --> 00:20:36,879
Speaker 1: like crazy when it comes to moving into a house.

397
00:20:37,320 --> 00:20:41,439
Speaker 1: I mean, those first year of home ownership expenses can

398
00:20:41,480 --> 00:20:44,560
Speaker 1: really add up. So I would say, instead of taking

399
00:20:44,560 --> 00:20:46,120
Speaker 1: money out of your four one K loan to pay

400
00:20:46,160 --> 00:20:48,080
Speaker 1: off your car note, especially like I don't know your

401
00:20:48,080 --> 00:20:50,320
Speaker 1: interest rates, so this is just, you know, an idea,

402
00:20:50,359 --> 00:20:54,399
Speaker 1: but I'm assuming it's great. Instead of taking money out

403
00:20:54,440 --> 00:20:56,320
Speaker 1: of your four one K to pay off that car note,

404
00:20:56,560 --> 00:21:00,120
Speaker 1: I would just save up even more in that liquid cash,

405
00:21:00,400 --> 00:21:03,119
Speaker 1: saving these accounts that you're using now for emergencies and

406
00:21:03,160 --> 00:21:06,240
Speaker 1: just call it your your home emergency fund or your

407
00:21:06,280 --> 00:21:09,439
Speaker 1: home fund. It also prepares you. I don't know how

408
00:21:09,520 --> 00:21:11,679
Speaker 1: much you're looking to put down on your home in

409
00:21:11,720 --> 00:21:14,600
Speaker 1: the future, but having extra cash in the bank that

410
00:21:14,600 --> 00:21:16,879
Speaker 1: you can use as a down payment is never a

411
00:21:16,920 --> 00:21:21,159
Speaker 1: bad thing. So that is That's my story, and I'm

412
00:21:21,160 --> 00:21:24,760
Speaker 1: sticking to it for now. Your second question is the

413
00:21:24,800 --> 00:21:28,000
Speaker 1: bank has preapproved you for a loan, but you're wondering

414
00:21:28,040 --> 00:21:30,800
Speaker 1: would that four one K loan hurt your approval status

415
00:21:30,800 --> 00:21:32,679
Speaker 1: in the future. So I did a little bit of

416
00:21:32,680 --> 00:21:35,119
Speaker 1: research into this because I hadn't really thought about that

417
00:21:35,200 --> 00:21:37,880
Speaker 1: question before until you asked it, And all my research

418
00:21:37,920 --> 00:21:41,080
Speaker 1: shows that No, Typically banks do not use a four

419
00:21:41,119 --> 00:21:43,720
Speaker 1: to one K loan as part of the underwriting process

420
00:21:43,760 --> 00:21:46,040
Speaker 1: to determine like whether you're going to go approved or not.

421
00:21:46,119 --> 00:21:49,080
Speaker 1: So typically it would not hurt your odds of getting

422
00:21:49,160 --> 00:21:53,400
Speaker 1: approved for a loan, which could be comforting to you.

423
00:21:54,400 --> 00:21:57,439
Speaker 1: But still, because you're about to buy a house and

424
00:21:57,480 --> 00:22:00,840
Speaker 1: because you've only got that ten k saved, I would

425
00:22:01,440 --> 00:22:04,480
Speaker 1: definitely it, especially if you're like, you know, really sure

426
00:22:04,520 --> 00:22:06,000
Speaker 1: about buying this house and you want to do that

427
00:22:06,040 --> 00:22:09,200
Speaker 1: sooner rather than later. You know, get the house, pad

428
00:22:09,320 --> 00:22:12,120
Speaker 1: up that cash emergency fund because you never know but

429
00:22:12,160 --> 00:22:15,520
Speaker 1: probably don't need it based on my experience, and then

430
00:22:15,840 --> 00:22:17,879
Speaker 1: you know, put that, you know, and then once you

431
00:22:17,960 --> 00:22:19,640
Speaker 1: kind of feel settled in your new home and all

432
00:22:19,640 --> 00:22:22,520
Speaker 1: of that, then you can start making larger payments towards

433
00:22:22,560 --> 00:22:27,000
Speaker 1: your car loan and pay that down over time. So

434
00:22:27,760 --> 00:22:31,359
Speaker 1: that is my advice. I hope that was helpful. Again,

435
00:22:31,600 --> 00:22:34,320
Speaker 1: I am not a financial planner. I'm not your financial planner.

436
00:22:34,359 --> 00:22:36,560
Speaker 1: I'm not an investment advisor. Everything I'm saying is just

437
00:22:36,560 --> 00:22:40,520
Speaker 1: for educational purposes and because you guys ask and I

438
00:22:40,560 --> 00:22:43,879
Speaker 1: want to, you know, give you guys my opinion. But again,

439
00:22:43,960 --> 00:22:47,480
Speaker 1: for like super personal advice for your unique situation. It's

440
00:22:47,480 --> 00:22:50,600
Speaker 1: always good to reach out to an individual personal financial

441
00:22:50,640 --> 00:22:54,920
Speaker 1: advisor or planner to get that kind of personalized advice.

442
00:22:55,359 --> 00:22:57,680
Speaker 1: But in the meantime, if you guys have more questions,

443
00:22:57,840 --> 00:23:00,879
Speaker 1: hit us up Brandnabisson podcast dot com. You can submit

444
00:23:00,920 --> 00:23:04,640
Speaker 1: a question there, go to Instagram at brand Ambisson podcast

445
00:23:04,680 --> 00:23:07,200
Speaker 1: to send us a DM, or you can email us

446
00:23:07,280 --> 00:23:12,359
Speaker 1: at Brondambisson Podcast at gmail dot com. Okay, that is

447
00:23:12,440 --> 00:23:15,199
Speaker 1: the show. I did it. I talked to myself for

448
00:23:15,280 --> 00:23:17,840
Speaker 1: half an hour. I talk to myself for half an hour.

449
00:23:18,440 --> 00:23:21,720
Speaker 1: Thank y'all for continuing to support. Don't forget to follow

450
00:23:21,760 --> 00:23:24,720
Speaker 1: and subscribe brod Ambition And if you haven't yet, could

451
00:23:24,720 --> 00:23:26,520
Speaker 1: you take a couple of minutes and just leave us

452
00:23:26,560 --> 00:23:29,280
Speaker 1: a review on iTunes. It would mean the world. It

453
00:23:29,320 --> 00:23:32,159
Speaker 1: really helps when it comes to things like rankings and

454
00:23:32,240 --> 00:23:33,880
Speaker 1: tell a friend to tell a friend you know, Take

455
00:23:33,920 --> 00:23:38,520
Speaker 1: a screenshot of this episode, post it on Instagram tag us.

456
00:23:38,600 --> 00:23:41,439
Speaker 1: We like to reshare those it's always fun to see,

457
00:23:41,760 --> 00:23:43,840
Speaker 1: especially those of you who are starting at the very

458
00:23:43,840 --> 00:23:47,120
Speaker 1: beginning and listening to throwback episodes and working your way up.

459
00:23:47,440 --> 00:23:49,400
Speaker 1: We want to see that, you know. Tag us let

460
00:23:49,440 --> 00:23:51,919
Speaker 1: us know you're listening. Thank you again for all of

461
00:23:51,920 --> 00:23:54,480
Speaker 1: the support, and I will see you next week.