Speaker 1: Hey, Hey, BA fam, it's Mandra. We are back for
Speaker 1: another week of Brown Ambition today, y'all. I avoided it
Speaker 1: for so long. I am on my own today. It
Speaker 1: is weird just talking to myself, but I'm just going
Speaker 1: to pretend that all my BA fam is in the
Speaker 1: room right now. I really want to get to some
Speaker 1: of y'all's questions. So I am back today solo with
Speaker 1: a ba q and a As always, we send our
Speaker 1: love and our light and so many virtual hugs to
Speaker 1: our girl Tiffany as she continues to heal. You know what,
Speaker 1: why don't y'all go and send Tiffany a DM and
Speaker 1: just let her know how incredible she is and how
Speaker 1: much we love her, and let her know that the
Speaker 1: BA fam is thinking about her always, especially if you
Speaker 1: have anyone in your life life who is going through
Speaker 1: a tough time. You know, even though we are moving
Speaker 1: on and it feels like a lot of time has passed,
Speaker 1: you never know what kind of journey they are on
Speaker 1: through their healing. And I think it's sometimes a little
Speaker 1: awkward and uncomfortable to reach out, but I think if anything,
Speaker 1: it can never hurt just to send a little bit
Speaker 1: of support in a positive note. I do that all
Speaker 1: the time, so it would be great if BA fan
Speaker 1: would just centive a little bit of love. But I
Speaker 1: am here. I am here. I am still rocking with y'all.
Speaker 1: What's going on outside of Brown Ambition for Mandy these days, Well,
Speaker 1: my career, coaching and my business have been just I
Speaker 1: don't even know how to describe it, y'all. I started
Speaker 1: this journey last June not really sure of what the
Speaker 1: next year or multiple years after would look like. But
Speaker 1: I just had a lot of faith in myself and
Speaker 1: I'm so glad that I took that risk. Since I
Speaker 1: launched Mandy my last summer, I have coached close to
Speaker 1: two hundred women across the country and across the world.
Speaker 1: I've had clients in Kenya and Germany and the UK
Speaker 1: and Canada, and it's been such a wonderful privilege to
Speaker 1: get to talk to so many incredible people and help
Speaker 1: them as they're navigating their career crossroads, and it's been
Speaker 1: a joy. I'm also now y'all can catch me on
Speaker 1: Yahoo Finance, where I am there bi weekly every other week,
Speaker 1: chatting with the lovely host there in the afternoon Wednesdays
Speaker 1: at one between one and two, and I'm covering all
Speaker 1: things career and wealth building. I've been featured in publications
Speaker 1: that I cannot even wrap my head around, like The Economist,
Speaker 1: The New York Times, CNBC. It has been you know,
Speaker 1: I think my journey especially is just proof of when
Speaker 1: it comes to navigating your career, it really isn't a
Speaker 1: linear path. You just have to make the best choices
Speaker 1: with the information that you have at the time, don't
Speaker 1: be afraid to take risks, and just keep putting one
Speaker 1: foot in front of the other and just trust in
Speaker 1: the journey, trust that you may not end up or
Speaker 1: you may not even know where you're going to end up,
Speaker 1: but that you're going to end up somewhere phenomenal, and
Speaker 1: just having a lot of trust in myself and knowing that,
Speaker 1: you know, there's no such thing as job security. Really,
Speaker 1: I think our job security is ourselves. It is our talent,
Speaker 1: It is our ability to bounce back from whatever challenges
Speaker 1: we encounter. And if there's one thing that I've learned
Speaker 1: over the past I don't know ten to fifteen years
Speaker 1: of my career, is that I'm always going to rise
Speaker 1: to the top. I'm always going to float. You know what,
Speaker 1: I mean land on my feet. And it's that faith
Speaker 1: and trust in myself that has really allowed me to
Speaker 1: step out in this way. And I just thank y'all
Speaker 1: for all of the support and a special shout out
Speaker 1: to the Mandy Moneymakers, which is my special group coaching
Speaker 1: cohort that I just launched in January. Oh my goodness,
Speaker 1: this group of women. I can't even tell you how
Speaker 1: credible it's been to get to know them and to
Speaker 1: create create this small, intimate, beautiful community of women helping women,
Speaker 1: and it's just a beautiful thing. If you guys want
Speaker 1: to find out how you can join the waitlist to
Speaker 1: join the next cohort of Mandy Moneymakers, just head over
Speaker 1: to mandymoney dot com. That's m A N D I
Speaker 1: M O n e y dot com and join the waitlist. Alrighty,
Speaker 1: but now let's get into your questions. Continue to send
Speaker 1: us questions, y'all. Hit us up at Brand Ambition Podcast
Speaker 1: on Instagram. You can also email us Brand Ambition Podcast
Speaker 1: at gmail dot com. That is the best way to
Speaker 1: get in touch with us. If you want to check
Speaker 1: out our brand new, beautiful website, you can also submit
Speaker 1: a question there. That's brandambispodcast dot com already, so let's
Speaker 1: do it. So our first question comes from listener Paula.
Speaker 1: Paula is going through something that Peloton workers right now
Speaker 1: are all experiencing. Did you guys hear the news about
Speaker 1: Peloton laying off twenty eight hundred workers in one fel SWA. Now,
Speaker 1: this is a really good example of the fact that
Speaker 1: no job is secure, even if you are the latest
Speaker 1: unicorn company. You know, Peloton had a phenomenal, phenomenal year
Speaker 1: in the wake of the pandemic. I mean, and I
Speaker 1: was one of those people who purchased a Peloton and
Speaker 1: then also was like, WELLO I need to get them
Speaker 1: the stock. You know, this is a good example of
Speaker 1: why maybe you shouldn't buy individual stocks, or at least
Speaker 1: not by individual stocks expecting an immediate return, because like
Speaker 1: a lot of folks, you know, I purchased some Peloton
Speaker 1: shares and if y'all have been watching, their stock has
Speaker 1: been just, oh my god, getting annihilated lately. So just
Speaker 1: a little you know, personal finance lesson here. When it
Speaker 1: comes to investing in personal stocks, I do it based
Speaker 1: on products that I love and companies that I believe in,
Speaker 1: and I am a long term buy and whole kind
Speaker 1: of gal. So even though in my opinion, Peloton if
Speaker 1: not in my opinion, it's just happening, even though they've
Speaker 1: been struggling lately. I'm not necessarily going to just dump
Speaker 1: stocks of a company that I still believe in. I'm
Speaker 1: in it for the long haul. And it really depends
Speaker 1: on your investing strategy and how much of your how
Speaker 1: much risk you think you can assume. I am definitely
Speaker 1: not using the majority of my you know, my money
Speaker 1: for retirement for individual stock trading. It's just not what
Speaker 1: I do. I use a little bit of money on
Speaker 1: the side, and I mostly invested, yeah, a couple of
Speaker 1: individual stocks, but also my favorite etf SO exchange traded funds.
Speaker 1: I'm kind of going on a tangent right now. I
Speaker 1: will get back to Paul's question, but I just wanted
Speaker 1: to first talk about Peloton and the fact that they
Speaker 1: despite the crazy successful year that it seemed like they
Speaker 1: were having in the wake of the pandemic, Hey, what
Speaker 1: goes up will eventually come down, right, And they had
Speaker 1: this massive reorg. They're laying off twenty eight hundred people.
Speaker 1: Their CEO is out, and those you know workers are
Speaker 1: going to be scrambling to find new employment, just like
Speaker 1: our lovely listener Paula, who said, here's her question. My
Speaker 1: organization just announced a reorg that will directly affect me.
Speaker 1: What advice would you give me to make sure that
Speaker 1: this change will benefit my career and myself financially? Thanks
Speaker 1: in advance, Paula. So, a reorg, this happens a lot
Speaker 1: at companies, whether it's through for example, they get acquired
Speaker 1: by another company and you've got two companies trying to
Speaker 1: marry one another, and they've got to like figure out, Okay,
Speaker 1: we have one hundred customer service reps over here. Okay,
Speaker 1: but we've got two hundred over here. Do we need
Speaker 1: three hundred or should we consolidate? And you know, there's
Speaker 1: the negative part of that, which is that often it
Speaker 1: means that some jobs are going to be phased out.
Speaker 1: But sometimes reorgs can be a lot simpler than that.
Speaker 1: They can simply be Well, maybe it sounds like Paula
Speaker 1: is going through where her company is deciding, Okay, the
Speaker 1: current org structure, like who we have reporting to who,
Speaker 1: and the different departments that we have aren't maybe working
Speaker 1: for us right now? We need to shake things up.
Speaker 1: Doesn't always mean that it's going to result in layoffs,
Speaker 1: but it could result in title changes or like the
Speaker 1: people that you're reporting to will be different, or even
Speaker 1: people that are reporting to you may change, and it
Speaker 1: can be a little stressful, especially if change is not
Speaker 1: something that you're really excited about, but it is like
Speaker 1: if you work somewhere long enough, chances are you will
Speaker 1: go through something like a reorg. So Paula wants to know,
Speaker 1: how do I make sure this actually benefits me career
Speaker 1: wise and financially. So first and foremost, Paula, I think
Speaker 1: having communication and communicating a lot with your managers is
Speaker 1: going to be important here. Often though, when it comes
Speaker 1: to reorgs, it depends on what level you're at at
Speaker 1: your company. But your managers may not even have all
Speaker 1: of the information, So have some patience for them and
Speaker 1: listen really closely to what senior leadership is saying. Submit
Speaker 1: questions if they're doing any town halls, and just be
Speaker 1: the person who ask questions. You know, it be the
Speaker 1: squeaky wheel, ask for specifics, you know, what will this mean?
Speaker 1: Will there be potential for promotion? Will there'd be potential
Speaker 1: for you know, people who are looking maybe you're looking
Speaker 1: to pivot into a different department, and as the reorg
Speaker 1: starts to take shape, as you start to understand what's
Speaker 1: going to happen with your particular department, I would be
Speaker 1: completely transparent with your managers, your higher ups, and tell
Speaker 1: them where you see yourself best fitting into this new organization,
Speaker 1: and be really cognizant of any opportunities that may crop
Speaker 1: up for you. For example, you know, if you're I
Speaker 1: don't know, you're a mid level right now, and you
Speaker 1: see that in this new org they're creating more of
Speaker 1: a senior manager position where you're seeing an opportunity where
Speaker 1: they've got a hole that they need to fill and
Speaker 1: you think you could fit in there. You know, I
Speaker 1: wouldn't wait for your manager to tap you on the
Speaker 1: shoulder and say, oh, Paula, yes, this is a perfect
Speaker 1: role for you. We want to move you up and
Speaker 1: over here. I would definitely advocate for yourself and keep
Speaker 1: your eyes and ears open for those types of opportunities
Speaker 1: and put your name the hat, make sure that they
Speaker 1: know that you're interested, and remember times of volatility at companies.
Speaker 1: This is really if you're someone who wants to stick
Speaker 1: around at that company. This is where you can really
Speaker 1: shine and make your personal brand, your professional brand even stronger,
Speaker 1: because when there are times of like quote unquote crisis
Speaker 1: or volatile times at a company, those employees who step
Speaker 1: up and prove that they are going to roll with
Speaker 1: the punches, that they're going to be reliable, that their
Speaker 1: managers can count on them through those times of volatility,
Speaker 1: those are the people who are going to get promoted.
Speaker 1: Those are the people that you know, the managers are
Speaker 1: going to want to see advance and progress and get
Speaker 1: those year end bonuses. So I would definitely use this
Speaker 1: as an opportunity. It reminds me of what happened for
Speaker 1: me when I was managing a team of thirty staff
Speaker 1: editors and writers at my company with the onset of
Speaker 1: the pandemic, when I had to and I had a
Speaker 1: newborn at home right those colleagues on my team and honestly,
Speaker 1: everybody stepped up. But I've never been more proud. And
Speaker 1: there were so many, you know, people on my team
Speaker 1: through the year who were able to step up and
Speaker 1: you know, get promotions because they really went to work
Speaker 1: during that time and they made it possible for me
Speaker 1: to run that team and transition everyone virtually. So I
Speaker 1: like that you're seeing this as an opportunity to be strategic.
Speaker 1: I think ultimately the best things you can do are
Speaker 1: advocate for yourself, look for opportunities and say you want them.
Speaker 1: But then also just be completely bad ass and become
Speaker 1: the person that your managers can go to during times
Speaker 1: like this when things are a little dicey, and rely
Speaker 1: on them and step up and show that you are
Speaker 1: a team player and all of that, because that, like
Speaker 1: I said, is going to make them go the extra
Speaker 1: mile for you down the line. Thank you so much
Speaker 1: for your question, Paula, and good look. All right, I'm
Speaker 1: going to take a quick breaking break, get some water
Speaker 1: because it is kind of you know, it's hard work
Speaker 1: talking about myself talking to myself all the time. Now,
Speaker 1: and we will be right back with more of your questions.
Speaker 1: All right, ba faan, we are back. Our next question
Speaker 1: comes from an anonymous IG fan. Again, we're at Brandna
Speaker 1: Mission podcast on IG, so follow us. You can dem
Speaker 1: us your questions there. Okay, So this person says, Hey, Mandy,
Speaker 1: I just saw your TikTok about that Mercedes recruiter. I
Speaker 1: have a question and I hope it's not too forward
Speaker 1: or bold of me to ask I want to renegotiate
Speaker 1: my pay. I feel like I'm underpaid as the only
Speaker 1: billing specialist doing work for two emergency rooms. Any advice
Speaker 1: on how I can go about that? Okay? So if
Speaker 1: you guys haven't seen this yet, you've got to check out.
Speaker 1: You can go to my ig. I'm at Mandy Money
Speaker 1: on Insta and I'm at Mandy Money with three a's
Speaker 1: on TikTok. And basically what happened was there was this recruiter.
Speaker 1: Her name is Mercedes S. Johnson. I'll never forget her
Speaker 1: name now. So she posted on LinkedIn a screenshot or
Speaker 1: she posted on LinkedIn, and she was bragging about having
Speaker 1: a job candidate except an offer for eighty five K.
Speaker 1: And she decided to take time out of her day
Speaker 1: to go on LinkedIn and make fun of this person
Speaker 1: and say, you know, the budget was actually one hundred
Speaker 1: and thirty five K. And I don't have time to
Speaker 1: help people learn how to negotiate. I just want you
Speaker 1: guys to know it's really important to know your value.
Speaker 1: And I think I, like a lot of people, had
Speaker 1: a visceral reaction to that post from Mercedes, because one
Speaker 1: it was just dumb. Two it was not helpful at all.
Speaker 1: I think she thought she was really doing something profound
Speaker 1: with that post, trying to inspire people to know their
Speaker 1: value and to negotiate. But I just don't see how
Speaker 1: she can say she didn't have time to give advice
Speaker 1: to that job candidate, but yet she did have time
Speaker 1: to go on the internet and post about it. You know,
Speaker 1: I just thought it was really especially for someone in
Speaker 1: her position as a recruiter. You know, she's in a
Speaker 1: place of power. And also you know she in her
Speaker 1: public persona talks about herself being someone who helps people
Speaker 1: negotiate and you know, fulfill their career ambitions. And I
Speaker 1: just think it was Oh no, no, it was. It
Speaker 1: was a bad look for miss Mercedes. But to this
Speaker 1: questions point, it was a good reminder, and we'll just
Speaker 1: try to find a silver lining here. It was a
Speaker 1: good reminder of why it is so important for us
Speaker 1: as job candidates. Advocating for ourselves in the workplace is
Speaker 1: so important because even the people who think maybe there
Speaker 1: to help you get what you deserve, ultimately we are
Speaker 1: always going to have our best interest and we should
Speaker 1: have our best interest at heart all of the time,
Speaker 1: and we have to learn to step up for ourselves
Speaker 1: and to do our own research to find out when
Speaker 1: we are not being valued the way that we should
Speaker 1: be valued. So in your situation, Anonymous, where you say
Speaker 1: you actually want to renegotiate your pay, you feel like
Speaker 1: you're being underpaid. It sounds like you're working in the
Speaker 1: medical field, and honestly, listen, I've got family who work
Speaker 1: in hospitals and it is grueling work and there is
Speaker 1: so much turnover as a result of the pandemic that
Speaker 1: there are people like you who are being left doing
Speaker 1: more work than ever but not actually getting paid anything
Speaker 1: to so renegotiating pay. Listen, I am the person who
Speaker 1: will who will always push people to just ask the questions,
Speaker 1: no matter how you know bold they may seem, ask
Speaker 1: the question, you know, go to your manager and just say,
Speaker 1: point blank, you know, I've I have been taking on
Speaker 1: all this additional work. Is there any opportunity to discuss
Speaker 1: my compensation and to get an increase. You can absolutely
Speaker 1: do that. You don't have to wait for your annual
Speaker 1: review cycle. Just go ahead and do it. I can't
Speaker 1: promise you they're going to do something about it. I'm
Speaker 1: not even gonna I don't even know what the odds
Speaker 1: are that they may do something about it. Your best
Speaker 1: bet is to get a competing offer from another job
Speaker 1: that's actually going to pay you more, and then you
Speaker 1: can actually bring that to your current employer and say,
Speaker 1: you know, I've got an offer from XYZ and they're
Speaker 1: offering me double what you're paying me, or fifty percent more,
Speaker 1: whatever it is. You have to be ready, you should
Speaker 1: be ready prepared to take that new offer and walk.
Speaker 1: But that can be some that can be really good leverage,
Speaker 1: especially if you're you know, you want to stay, but
Speaker 1: you just want to be paid what you're worth. Sometimes companies,
Speaker 1: you know, if you don't give them a reason, like
Speaker 1: a really good reason to give you a pay raise,
Speaker 1: they can like drag their feet. They just don't have
Speaker 1: that incentive, you know, So the risk of you walking down,
Speaker 1: like walking away from the job and leaving them in
Speaker 1: the lurch. Sometimes you just got to like play hardball
Speaker 1: in that way. You got to say, like, yo, I'm
Speaker 1: ready to walk, I've got this juicy offer, what are
Speaker 1: you going to do about it? And then you can
Speaker 1: see how fast they move to get you that raise. Okay,
Speaker 1: so that's my advice to you. You can ask the question,
Speaker 1: and I would go ahead and ask that now, just
Speaker 1: to establish the fact that they know, Okay, she's asked
Speaker 1: for this, she's feeling overworked, and then they can actually
Speaker 1: then you give them some time to figure out what
Speaker 1: they're going to do, and then on your own going
Speaker 1: out and you know, leveraging your network, telling everyone that
Speaker 1: you're looking for a new opportunity, seeing what else is
Speaker 1: out there, getting some interviews, you know, and find and
Speaker 1: potentially even getting a different offer. Then you can bring
Speaker 1: that additional lever to them and use that for your
Speaker 1: negotiation process. All right, thank you very much for that question. Okay,
Speaker 1: two juicy career ones. Let's go to a more personal
Speaker 1: finance question. This is third and last question we're gonna take.
Speaker 1: This comes from also from IG. We're gonna call her Cheryl.
Speaker 1: Cheryl says, I'm single, no kids. I make one hundred
Speaker 1: and thirty five thousand dollars a year. I've got about
Speaker 1: sixty K and my four oh one K and about
Speaker 1: ten K saved up for emergencies. But I have sixteen
Speaker 1: thousand dollars left to pay on my car loan I'm
Speaker 1: thinking about taking out that amount as a four to
Speaker 1: one K loan to pay off the car. Do you
Speaker 1: think that's a good idea. I'm also looking to purchase
Speaker 1: a townhouse in the future. The bank has preapproved me
Speaker 1: for four hundred and ninety five K as of now.
Speaker 1: Would that four oh one K loan hurt my approval
Speaker 1: status in the future? Oh, okay, couple things. So you've
Speaker 1: got sixty K and your four to one K, you've
Speaker 1: got ten K saved for emergencies. That's amazing, sixteen K
Speaker 1: left on your car loan. So car loan. I don't
Speaker 1: have a crucial piece of information right here, which is
Speaker 1: your interest rate on your car loan. But let's say
Speaker 1: you've got you know, good, really good credit, and your
Speaker 1: car loan rate is like what what's typical now, like
Speaker 1: three to four percent? You're thinking about taking out sixteen
Speaker 1: K from your four one K, sixteen K out of
Speaker 1: a sixty K four one K. You know, that's a
Speaker 1: pretty hefty chunk of change. It's a four to one
Speaker 1: K loan, as you're saying, And so with four one
Speaker 1: K loans, and just to be candid, I have taken
Speaker 1: a loan out of my four to one K I
Speaker 1: took out I think it was ten K out of
Speaker 1: my four to one K three or four years ago
Speaker 1: when we were doing something to the house and just
Speaker 1: wanted a way to borrow money that wasn't going to
Speaker 1: cost interest. The beauty of the four to one k
Speaker 1: loan is you are borrowing from yourself and you're going
Speaker 1: to pay yourself back. And if they charge quote unquote
Speaker 1: interest on that four one K loan, you're going to
Speaker 1: pay yourself that interest right And then because it's through
Speaker 1: your employer for one K, they will basically set up
Speaker 1: pay check deductions as you for you to pay that back,
Speaker 1: so you don't have to remember to pay a bill
Speaker 1: on time or anything like that. The risk with the
Speaker 1: four one k loan is that, let's say you were
Speaker 1: to want to leave the company, or heaven forbid, you
Speaker 1: were laid off or fired, you may owe the full
Speaker 1: balance of that loan back really quickly, like in less
Speaker 1: than a couple of months. So you have to weigh
Speaker 1: that risk. The fact that you only have ten K
Speaker 1: saved well, I don't mean to diminish the fact that
Speaker 1: you've got ten k saved up. That's fantastic. I mean,
Speaker 1: that's about ten percent of your annual income, so it's
Speaker 1: not shabby at all, but it's ten K and you'd
Speaker 1: be taking out a sixteen K loan from your four
Speaker 1: one k. So you know, let's say something happens and
Speaker 1: you are let go or you leave the company. You know,
Speaker 1: how would you be able to repay one lump sum
Speaker 1: for a loan out of your four one k That
Speaker 1: could potentially be about sixteen K, So you have to
Speaker 1: think about that. Typically, like, let's say your car loan is,
Speaker 1: like I said, you've got a really good interest rate.
Speaker 1: I'm not mad at you just continuing to pay that
Speaker 1: that car note off. It may feel really good to
Speaker 1: be entirely debt free, and like, I love to be
Speaker 1: debt free too. I paid my car loan off early.
Speaker 1: But what are your other goals right now? You say
Speaker 1: you're saving up for a townhouse, so I would actually
Speaker 1: prefer if you were to continue beefing up your emergency fund.
Speaker 1: Ten K is pretty good for emergencies, but as a homeowner,
Speaker 1: you know, you may actually have some household emergencies that
Speaker 1: cost even more than that, or you may want to
Speaker 1: do some work to the house, like moving expenses, are
Speaker 1: like crazy when it comes to moving into a house.
Speaker 1: I mean, those first year of home ownership expenses can
Speaker 1: really add up. So I would say, instead of taking
Speaker 1: money out of your four one K loan to pay
Speaker 1: off your car note, especially like I don't know your
Speaker 1: interest rates, so this is just, you know, an idea,
Speaker 1: but I'm assuming it's great. Instead of taking money out
Speaker 1: of your four one K to pay off that car note,
Speaker 1: I would just save up even more in that liquid cash,
Speaker 1: saving these accounts that you're using now for emergencies and
Speaker 1: just call it your your home emergency fund or your
Speaker 1: home fund. It also prepares you. I don't know how
Speaker 1: much you're looking to put down on your home in
Speaker 1: the future, but having extra cash in the bank that
Speaker 1: you can use as a down payment is never a
Speaker 1: bad thing. So that is That's my story, and I'm
Speaker 1: sticking to it for now. Your second question is the
Speaker 1: bank has preapproved you for a loan, but you're wondering
Speaker 1: would that four one K loan hurt your approval status
Speaker 1: in the future. So I did a little bit of
Speaker 1: research into this because I hadn't really thought about that
Speaker 1: question before until you asked it, And all my research
Speaker 1: shows that No, Typically banks do not use a four
Speaker 1: to one K loan as part of the underwriting process
Speaker 1: to determine like whether you're going to go approved or not.
Speaker 1: So typically it would not hurt your odds of getting
Speaker 1: approved for a loan, which could be comforting to you.
Speaker 1: But still, because you're about to buy a house and
Speaker 1: because you've only got that ten k saved, I would
Speaker 1: definitely it, especially if you're like, you know, really sure
Speaker 1: about buying this house and you want to do that
Speaker 1: sooner rather than later. You know, get the house, pad
Speaker 1: up that cash emergency fund because you never know but
Speaker 1: probably don't need it based on my experience, and then
Speaker 1: you know, put that, you know, and then once you
Speaker 1: kind of feel settled in your new home and all
Speaker 1: of that, then you can start making larger payments towards
Speaker 1: your car loan and pay that down over time. So
Speaker 1: that is my advice. I hope that was helpful. Again,
Speaker 1: I am not a financial planner. I'm not your financial planner.
Speaker 1: I'm not an investment advisor. Everything I'm saying is just
Speaker 1: for educational purposes and because you guys ask and I
Speaker 1: want to, you know, give you guys my opinion. But again,
Speaker 1: for like super personal advice for your unique situation. It's
Speaker 1: always good to reach out to an individual personal financial
Speaker 1: advisor or planner to get that kind of personalized advice.
Speaker 1: But in the meantime, if you guys have more questions,
Speaker 1: hit us up Brandnabisson podcast dot com. You can submit
Speaker 1: a question there, go to Instagram at brand Ambisson podcast
Speaker 1: to send us a DM, or you can email us
Speaker 1: at Brondambisson Podcast at gmail dot com. Okay, that is
Speaker 1: the show. I did it. I talked to myself for
Speaker 1: half an hour. I talk to myself for half an hour.
Speaker 1: Thank y'all for continuing to support. Don't forget to follow
Speaker 1: and subscribe brod Ambition And if you haven't yet, could
Speaker 1: you take a couple of minutes and just leave us
Speaker 1: a review on iTunes. It would mean the world. It
Speaker 1: really helps when it comes to things like rankings and
Speaker 1: tell a friend to tell a friend you know, Take
Speaker 1: a screenshot of this episode, post it on Instagram tag us.
Speaker 1: We like to reshare those it's always fun to see,
Speaker 1: especially those of you who are starting at the very
Speaker 1: beginning and listening to throwback episodes and working your way up.
Speaker 1: We want to see that, you know. Tag us let
Speaker 1: us know you're listening. Thank you again for all of
Speaker 1: the support, and I will see you next week.