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Speaker 1: Y y yea yea yea yee.

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Speaker 2: It's what you all been waiting foo over.

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Speaker 3: You're tapped in the way up with Angela yee.

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Speaker 4: What's up?

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Speaker 2: It's way up with Angela yee. And Happy Christmas Eve everybody.

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Speaker 2: And I am gonna be honest. Still haven't done what

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Speaker 2: I need to do to handle for the holidays, but

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Speaker 2: I'm on it.

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Speaker 4: What do I keep saying that? Why wile I wait

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Speaker 4: to the last minute.

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Speaker 2: We got two special guests joining us today for Wealth Wednesday.

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Speaker 2: Doctor Sonya Lewis aka the Student Loan Doctor. There is

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Speaker 2: so much information you need to know about your student

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Speaker 2: loans and she's got your back.

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Speaker 4: This is what she does.

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Speaker 2: Also, Mandy Money is going to be joining us talking

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Speaker 2: about negotiating your race.

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Speaker 4: It is that time.

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Speaker 2: So when you get back to work, it is time

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Speaker 2: for these evaluations. It's time for you to say, Okay,

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Speaker 2: here's what I've been doing and here's what I deserve. Remember,

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Speaker 2: you negotiate that race because you deserve one. We're also

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Speaker 2: shining a light because that's what we do. Eight hundred

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Speaker 2: and two ninety two fifty one fifty Spread love and

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Speaker 2: some positivity. It's all about you and who you want

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Speaker 2: to spread some love to. But right now, let's get

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Speaker 2: into one one of the most classic holiday songs ever.

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Speaker 2: She is the Queen of Holidays, Mariah Carey.

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Speaker 4: All I want for Christmas is you. It's way up.

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Speaker 3: I'm shame. I'm turn your lights on, y'all.

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Speaker 5: Turn your life song it spreading love to those who

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Speaker 5: are doing greatness.

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Speaker 3: Shine the light on it, Shine the light on them.

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Speaker 3: It's time to shine a light on. What's up? This way?

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Speaker 2: You put angela yee and you know what time it is.

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Speaker 2: It's time to shine a light eight hundred and two

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Speaker 2: ninety two fifty one fifty call us up. Let us

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Speaker 2: know who you want to shine a light on, Olivia.

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Speaker 6: Actually, honestly, I want to try the light on myself.

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Speaker 6: This time last year, I was homeless and I had

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Speaker 6: absolutely nothing. I restarted my life. I just now wrote

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Speaker 6: a book. I'm also now a manager at a recruiting

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Speaker 6: staffage agency, and I just landed a new yig on

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Speaker 6: a news station I used to radio in Chicago. I'm

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Speaker 6: living here to Nashville to start my life over.

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Speaker 2: Yeah, oh my gosh, Olivia, this is amazing.

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Speaker 6: Yeah, thank you, Elida.

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Speaker 7: I gotta tell you that.

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Speaker 8: I adore you.

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Speaker 6: I listened to you like.

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Speaker 1: You're one of my radio gods.

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Speaker 6: Like I started doing radio because of you.

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Speaker 2: That means so much to me. I am so impressed

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Speaker 2: by your story. I want to read your book.

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Speaker 4: What's it called.

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Speaker 6: It's called with Silent Screams. The website is with Silent

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Speaker 6: Springs dot com. You can get it on there.

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Speaker 4: Olivia.

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Speaker 2: You deserve you definitely deserve to have a life shine

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Speaker 2: on you. I cannot wait to read about your story.

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Speaker 2: That is imagine that homeless last year and now this

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Speaker 2: year heading up a recruiting agency, starting a new radio gig.

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Speaker 4: That's amazing. I love it.

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Speaker 6: Thank you so much, and thank you for being you.

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Speaker 6: I really appreciate you. Thank you for opening us the door.

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Speaker 4: All right, well, thank you, Olivia. I hope to me

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Speaker 4: too soon.

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Speaker 1: Oh I hope you all right?

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Speaker 4: Take it you too.

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Speaker 2: That was Shina Light. Eight hundred two ninety two fifty

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Speaker 2: one fifty. And remember always always always have the phone

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Speaker 2: lines open for you guys to spread some love. Eight

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Speaker 2: hundred two ninety two fifty one fifty is a number.

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Speaker 4: It's way up.

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Speaker 3: This is a judgment. Freeze all tell us a secret.

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Speaker 2: What's up? His way, buddy, Angela, yee, and you know

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Speaker 2: what time it is. There's a lot of secrets going on,

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Speaker 2: and it's that season of Secrets eight hundred and two

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Speaker 2: ninety two fifty one fifty. Remember it's a no judgment zone.

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Speaker 2: You're anonymous. What's up, Anonymous?

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Speaker 9: Color?

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Speaker 4: What's your secret?

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Speaker 1: I told you a couple of days ago. He told

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Speaker 1: you about my secret and my boss's wife.

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Speaker 4: Yeah, you were saving with your boss's wife.

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Speaker 1: Yeah. So apparently my boss listens to your show. And

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Speaker 1: I'm so surprised because he is not the top of

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Speaker 1: dude that will listen to like that top of radio station.

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Speaker 4: First of all, you okay, no, but go ahead.

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Speaker 1: Personally, he likes he likes you a lot, Angela. He

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Speaker 1: said your show and he recognized my voice. So now

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Speaker 1: I'm stuck with his wife.

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Speaker 4: So he fired you.

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Speaker 1: He did fire me, per see, because he kind of

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Speaker 1: said that he had a feeling, so now I can

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Speaker 1: have his headache.

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Speaker 4: How do he confront you? Like what happened?

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Speaker 1: Oh? He came shut up and he told me, yo,

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Speaker 1: you ever heard of that show up with angelaue? I

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Speaker 1: was like, yeah, He's like I listened to that show

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Speaker 1: all the time. And right there. I was like and

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Speaker 1: then he's like, yeah, I just heard of the corner.

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Speaker 1: He said he was sleeping with his voices. What was man?

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Speaker 1: I should have sworn that sounded just like you. O.

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Speaker 7: Man.

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Speaker 1: I didn't know what to say. He's back. It was you,

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Speaker 1: wasn't it, damn? And I'm like, uh, I'm not even

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Speaker 1: gonna lie to you, and I just throw the beans

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Speaker 1: on them and he's like, you can have that headache.

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Speaker 2: Well, two things I want to say. A make sure

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Speaker 2: you check out ZIP recruiter is a great way for

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Speaker 2: you to find a.

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Speaker 4: New job and be bosses.

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Speaker 2: Listened to the show too, facts, Well, good luck to you, Sarah.

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Speaker 2: You have to feel like a burden is lifted there.

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Speaker 2: Now you ain't got to sleep at the wire no more.

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Speaker 1: And you know it is. Well, I'm stuck with her,

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Speaker 1: so she would stay in my house for a few days.

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Speaker 1: She's gonna get.

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Speaker 4: All right, she's staying at your house.

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Speaker 1: I think she's gonna go to her sister's house.

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Speaker 4: Oh my god.

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Speaker 1: I do want to thank you for I mean, I

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Speaker 1: didn't want to get blown up like that, but I

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Speaker 1: had to get that burden off my back.

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Speaker 2: Okay, all right, Well, thank you. You got a new burden

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Speaker 2: now right, don't leave siss lay up all right? Well

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Speaker 2: that was tell us a secret eight hundred and two

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Speaker 2: ninety two fifty one fifty. You all had some amazing

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Speaker 2: secrets this year. Let's make some great secrets for twenty

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Speaker 2: twenty six as well.

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Speaker 4: It's way up.

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Speaker 8: Kind a dream of wealthy and I don't mind sharing

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Speaker 8: my wealth dog get you straight financially, mentally and physically.

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Speaker 5: This is Wealth Wednesday on way up with Angela Yee.

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Speaker 4: What's up?

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Speaker 2: Its way up with Angela Yee for Wealth Wednesday. I'm

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Speaker 2: here with Stacy Tisdale.

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Speaker 10: Happy Wealth Wednesdays everybody, and we are going to talk

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Speaker 10: about student loan debt and we are so very happy

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Speaker 10: to have doctor Sonya Lewis, who is a CEO and

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Speaker 10: founder of the Student Loan Doctor.

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Speaker 4: What you'll hear all about.

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Speaker 10: But let's just jump right in. The government canceled the

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Speaker 10: Saved Plan and what is that going to mean for people?

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Speaker 2: So a lot of people were in limbo in terms

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Speaker 2: of what to do. Now there's no more limbo. You

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Speaker 2: now know that this administration is just not playing there,

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Speaker 2: not for a easy repayment. Let's go and make some decisions.

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Speaker 2: I literally been telling my community for over a year,

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Speaker 2: please do not get comfortable here. This is a trap.

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Speaker 2: So people thought they didn't have to make a plan

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Speaker 2: or a repayment plan until twenty twenty eight. Now we

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Speaker 2: know they have to start in like the next two months.

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Speaker 2: The average person we serve has six figure det like

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Speaker 2: we get people forgiven all the time, with three thousand,

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Speaker 2: four hundred thousand just last month, nine hundred and ninety

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Speaker 2: seven thousand.

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Speaker 4: Right now, it's a wealth Wednesday.

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Speaker 2: I'm here with Stacy Tisdale and we're talking to doctor

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Speaker 2: Sonya Lewis aka the student loan doctor. Well, doctor Sonya,

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Speaker 2: is so important that you're here today because we want

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Speaker 2: to talk about what should somebody do now because this

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Speaker 2: news just broke. There's hope, but you do need to

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Speaker 2: be aware that the Trump administration is proposing something called

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Speaker 2: the RAP plan Repayment Assistance Plan. It looks really pretty,

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Speaker 2: but it's really bad. So the problem with that plan

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Speaker 2: is if they were to sign up for that plan,

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Speaker 2: it changes their loan forgiveness from twenty years minus like

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Speaker 2: being in any place public service And oh a lot

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Speaker 2: of people don't know that when you make a certain

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Speaker 2: amount of payments, certain amount of years you get your

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Speaker 2: loans forgiven. So in this case, right, people don't know

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Speaker 2: that it would go from twenty years to thirty.

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Speaker 10: Do you have those twenty years that they're changing it

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Speaker 10: to thirty.

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Speaker 2: With the new plan that everybody's going to run to

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Speaker 2: because it's more affordable, right, because you have less payments

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Speaker 2: every month.

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Speaker 4: But it's just but now.

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Speaker 2: Do you have ten more years?

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Speaker 10: Not?

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Speaker 2: Nobody has that.

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Speaker 4: That's like a mortgage. So we're like screaming from.

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Speaker 2: Our platform, like the RAP is not a good plan.

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Speaker 2: You know, it would be better to pay like a

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Speaker 2: fifty dollars extra payment and the IBr plan income base

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Speaker 2: for payment versus going into the RAP plan. But when

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Speaker 2: people don't know better, way they're going to choose you,

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Speaker 2: you would choose the.

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Speaker 10: Super one, like this is less money out of the mouse.

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Speaker 2: Yeah, the minimum payment is going to be ten dollars.

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Speaker 2: What's help for them?

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Speaker 10: With student loans and credit reporting?

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Speaker 7: Now?

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Speaker 2: All right, so a couple of things. The same plan

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Speaker 2: is really dropping people's credit by one hundred points. So

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Speaker 2: if you're listening and you're like, oh my god, that's

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Speaker 2: why my credit drop is because they have people in

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Speaker 2: this forever Forbearan's plan until recent and people were actually

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Speaker 2: like a couple of lowsudent spending we were talking about

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Speaker 2: because the lenders are not letting people out if they

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Speaker 2: were in the same plan. You literally have to pull

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Speaker 2: teeth to get out of the plan. If not, your

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Speaker 2: credit is dropping as a result of it. You don't

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Speaker 2: want to lose one hundred credit points. It's like you

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Speaker 2: can't clean it up and get that back. You might

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Speaker 2: can get some of your points back, but one hundred.

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Speaker 8: Y'all.

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Speaker 10: Everybody take a deep breath, and I know the Teamwealth

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Speaker 10: wednesdays dot com.

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Speaker 4: We have a free tool that will help you figure.

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Speaker 10: Out what to do next on your student loans. It's

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Speaker 10: a Teamwealth Wednesdays dot Com.

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Speaker 2: All right, Doctor Sonya Lewis is here. She's the student

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Speaker 2: loan doctor. There's a lot happening with this administration when

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Speaker 2: it comes to student loans, a lot of announcements. It's confusing,

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Speaker 2: but she's here to help you out for Wealth Wednesday.

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Speaker 2: I'll be back with Stacy Tisdale and doctor Sonya Lewis

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Speaker 2: after this.

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Speaker 4: It's way out there.

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Speaker 8: You kind of dream of wealthy and I don't mind sharing.

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Speaker 5: My Wealth Dog, getting you straight financially, mentally, and physically.

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Speaker 5: This is Wealth Wednesday on Way Up with Angela Yee.

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Speaker 3: What's up?

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Speaker 2: His way up with Angela Yee. I'm here with Stacy

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Speaker 2: Tisdale on a Wealth Wednesday. We're talking to doctor Sonya

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Speaker 2: Lewis the founder and CEO of the Student Loan Doctor.

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Speaker 2: She is the first black woman owned student loan repayment

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Speaker 2: firm in the United States.

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Speaker 10: African Americans like fifteen or twenty years after graduating, their

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Speaker 10: levels are higher.

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Speaker 2: Well, the problem is interest. This is a little baby

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Speaker 2: loan when it starts off, but then the interest and

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Speaker 2: even though I think that's illegal, how the interests of

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Speaker 2: cruise on a student loan. They need to fix WOLD

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Speaker 2: before anything. Oh and please don't have defaulted on your

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Speaker 2: student loans. This happened to one of my good friends.

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Speaker 2: He lost his ability to get federal clearances moving forward.

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Speaker 2: He cannot have a job that requires a federal security

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Speaker 2: cleric because it looks like you're not a responsible citizen.

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Speaker 4: That's crazy. I thought that was wild.

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Speaker 2: When I have my student loans, I kept having to

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Speaker 2: defer them.

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Speaker 4: But you have to do that, like, you can't.

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Speaker 2: Just default or not do anything because you know some

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Speaker 2: people I think are So there was so much confusion

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Speaker 2: around the student loans. Some people were like, I'm just

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Speaker 2: not going to because they know I'm hoping that this

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Speaker 2: is going to have your cads.

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Speaker 4: It's a hope.

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Speaker 10: So been something us spring on student loans and it

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Speaker 10: was like forty percent of people with student loans weren't

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Speaker 10: doing anything about them. Absolutely no, I know I would

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Speaker 10: have gotten so complicated.

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Speaker 2: I would love for you to sit in on the

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Speaker 2: class that I do. I do it every Monday night.

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Speaker 2: It's free. We log in a student a dot gov

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Speaker 2: and you're on your screen. I'm on my screen. Sometimes

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Speaker 2: we get a volunteer and I'm just literally walking through

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Speaker 2: the portal. And then while I'm doing that, I'm teaching

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Speaker 2: and educating on what they can get in terms of

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Speaker 2: forgiveness for payment. But then I do a question, when's

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Speaker 2: the last time you logged in? Three years? Never six years?

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Speaker 2: Nobody ever logged in last month, And we have hundreds

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Speaker 2: of people on there, sometimes thousands and they've never logged in.

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Speaker 2: Or it's a fear factor. What am I going to

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Speaker 2: find when I go in here? So what I had

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Speaker 2: to tell people in my community is we have to

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Speaker 2: log in right now because this tax season they're taking

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Speaker 2: tax returns. So if you log in, it's see default,

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Speaker 2: Well what's today? We're right?

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Speaker 4: No, remember right?

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Speaker 2: So you can get some of wom's December. See I'm

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Speaker 2: still still gonna let you wrong.

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Speaker 4: Well, you will.

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Speaker 2: Get your return taken if you go to file it

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Speaker 2: in next month.

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Speaker 4: You know, we have plans for our returns.

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Speaker 2: And guess what. That money never even gets to your

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Speaker 2: student loans that you owe. It goes to the interest

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Speaker 2: in the fees of the collection agency. Right now, it's

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Speaker 2: a wealth Wednesday. I'm here with Stacy's Tisdale and we're

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Speaker 2: talking to doctor Sonya Lewis, aka the student loan doctor.

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Speaker 10: You've helped over fifty thousand people, saved half a million dollars.

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Speaker 10: Everybody out there wants to know how they can work

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Speaker 10: with you. How do people do that?

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Speaker 2: So Instagram is where we have the most fun. That's

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Speaker 2: why I put all the updates our website. Doctor please

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Speaker 2: help me dot com, but really don't pay A doctor will

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Speaker 2: say that's stop agay, Doctor please help me dot com.

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Speaker 2: We teach every Monday night and then we have a

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Speaker 2: community that's really just about education classes zooms out the

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Speaker 2: y zoo, so people will then roll into that. That's

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Speaker 2: what payment would look like, and it's really affordable. It's

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Speaker 2: like a couple hundred. We're not trying to rob it

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Speaker 2: anybody here. Like when we got the guy forgiving nine

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Speaker 2: hundred ninety seven thousand, he only paid us a couple hundred.

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Speaker 2: He sent us all this money for lunch. Oh wow,

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Speaker 2: I don't know what to do, he said. I feel

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Speaker 2: like I robbed you and I said, you denied. I said,

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Speaker 2: we're blessed and we have value.

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Speaker 1: You're good.

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Speaker 2: He said, I don't feel good about only paying you

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Speaker 2: a couple hundred because he couldn't see his way out

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Speaker 2: of his student long day. He's a neurosurgeon. Wow, you

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Speaker 2: really helped us as far as breaking everything down and

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Speaker 2: the importance of us going on with this administration and

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Speaker 2: how it affects us the everyday person.

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Speaker 4: So thank you for that.

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Speaker 2: Thank you guys for this opportunity.

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Speaker 10: Doctor Sonya Lewis aka the Student Loan Doctor till.

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Speaker 2: Soon, Thank you so much to doctor Sonya Lewis for

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Speaker 2: joining us. Make sure you check out the Student Loan Doctor.

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Speaker 2: Go to way up with yea on YouTube and watch

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Speaker 2: that faux interview and when we come back, we had

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Speaker 2: the way it mixed for you at the top of

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Speaker 2: the hour.

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Speaker 4: Pleas, it's a.

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Speaker 2: Wealth Wednesday and Mandy Money is going to be joining us.

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Speaker 2: You know her Brown Ambition podcast. She's got a great

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Speaker 2: story about her own entrepreneurship, but also negotiating your raise. Okay,

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Speaker 2: it's way up since with it's relationship or career advice.

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Speaker 3: Angela's dropping facts. This is as KEI.

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Speaker 2: What's up his way for Angela? Yeah, I'm here with

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Speaker 2: Selena Hill guest hosting today. Are you ready for ask ye?

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Speaker 4: I'm right all right?

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Speaker 2: Eight hundred two ninety two fifty one fifty We have

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Speaker 2: done on the line.

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Speaker 4: What's up done?

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Speaker 1: Hey?

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Speaker 11: Whatever with you? I got a question for you. I've

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Speaker 11: come being with my fiance for a few years now.

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Speaker 11: I'm trying to get her credit right. He's been playing

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Speaker 11: with the.

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Speaker 3: Credit cars, not paying the bills off.

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Speaker 1: I'm getting mine right.

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Speaker 4: Okay.

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Speaker 1: I got a little.

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Speaker 11: Loan from my bank.

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Speaker 1: They give me like a twenty thousand dollars line of credit.

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Speaker 11: I didn't borrow anything from it, said or nothing.

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Speaker 1: But I didn't tell her yet, you know, what I mean, Like,

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Speaker 1: I don't know if I.

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Speaker 11: Should tell her because she's I don't know.

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Speaker 4: I don't like how she is where her money.

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Speaker 3: No at all?

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Speaker 4: Like now that's it, and John, that's a bigger conversation.

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Speaker 2: This is your fiance when you guys get married, her

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Speaker 2: credit is your credit.

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Speaker 4: Her spending habits.

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Speaker 11: I'm gonna affect of you, like twenty some years. And

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Speaker 11: like I can say anything about her page.

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Speaker 3: I know what you get paid.

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Speaker 11: I can say, damn, you got paid pride, but money

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Speaker 11: you need money to lunch where your money? So get made?

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Speaker 7: Like damn, so she mismanages money. But you can't even

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Speaker 7: have a conversation.

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Speaker 4: Is it your approach to the conversation? You said she gambled,

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Speaker 4: so she has a gambling addiction.

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Speaker 2: Yeah, A, don't tell her, I'll say that, But b

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Speaker 2: this is a bigger issue. And you know, when your

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Speaker 2: finances get legally intertwined through marriage, that's going to be

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Speaker 2: a problem. You guys need a financial planner. They don't

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Speaker 2: touch your money, but they can look at your bills,

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Speaker 2: your expenses and make you figure out how you can

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Speaker 2: balance things because once y'all get married, that bad credit

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Speaker 2: is going to be But That doesn't mean that y'all

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Speaker 2: don't need to sit down with a planner so she

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Speaker 2: can understand how all this works. A lot of us

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Speaker 2: don't have financial education in our background, but you gotta

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Speaker 2: do something.

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Speaker 4: She has a gambling addiction.

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Speaker 2: You guys got to deal with all of these things,

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Speaker 2: and you got to come from it.

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Speaker 4: Of a space that we're about to be together forever.

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Speaker 4: I love you.

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Speaker 2: Let's see how we can make our bond stronger and

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Speaker 2: be stronger as individuals.

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Speaker 7: In addition to a financial planner, I would suggest a

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Speaker 7: counselor or a therapist, a couples therapists before you guys

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Speaker 7: go into marriage, because it sounds.

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Speaker 4: Like this seriously.

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Speaker 7: Yeah, you have to be able to talk to your partner.

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Speaker 2: You have the responsible one, and you know people think

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Speaker 2: adultery is the number one reason people break up.

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Speaker 4: It's finances.

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Speaker 1: I don't like to hurt our feelings with that.

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Speaker 4: It ain't about hurting her feelings. Isn't it hurting you too?

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Speaker 2: What about your feelings? Listen, sometimes you gotta rip that

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Speaker 2: band aid off. It hurts for now, but that's how

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Speaker 2: it heals. Just look at it like this is not

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Speaker 2: just for you and your union it's for her to

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Speaker 2: be a stronger individual, to be the best that she

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Speaker 2: can be, right right, that's.

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Speaker 11: What I'm gonna talk to. I'm gonna talk to talk

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Speaker 11: to a little about it.

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Speaker 2: And listen, look up some resources too, so that when

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Speaker 2: you do have that conversation, it's not just having a talk,

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Speaker 2: it's also here's some things we can do.

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Speaker 11: I needed to talk, right, you got me and my

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Speaker 11: feelings right now, but y'all need it.

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Speaker 3: That's talk.

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Speaker 4: I mean, this is out of love.

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Speaker 2: This ain't out of any any other reason, you know,

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Speaker 2: And sometimes love is hard and confronting people about things

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Speaker 2: is not easy.

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Speaker 4: But that's the work that makes you stronger, right right.

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Speaker 11: Right right, Thank y'all for that conversation.

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Speaker 1: I really really needed that.

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Speaker 4: Yeah, no, good luck to you and your famls.

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Speaker 2: And it feels like you want to do the right

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Speaker 2: thing and your heart is in the right place, so

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Speaker 2: you know, that's the best.

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Speaker 10: Start ever it is.

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Speaker 2: It is all right, don well, good luck and I

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Speaker 2: cannot wait for y'all to get through this.

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Speaker 4: Keep me updated, please, I got y'all all right, your

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Speaker 4: test of luck?

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Speaker 2: That was ask ye eight hundred and two ninety two

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Speaker 2: fifty one fifty and when we come back, it is

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Speaker 2: a Wealth Wednesday, so we'll be talking to Mandy Money

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Speaker 2: from the Brown Ambition podcast. We'll talk about negotiating your raise.

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Speaker 2: And I've just seen some good news on my credit score.

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Speaker 2: I just got an email saying it went up on

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Speaker 2: a Wealth Wednesday.

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Speaker 4: That's a good sign. It's way up.

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Speaker 8: I had a dream of wealthy and I don't mind

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Speaker 8: sharing my wealth dogs.

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Speaker 5: Getting you straight financially, mentally and physically. This is Wealth

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Speaker 5: Wednesday with Angela ye what's up?

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Speaker 2: His way up at Angela Yee. And it is my

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Speaker 2: favorite day, a Wealth Wednesday. I got my partner Stacy

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Speaker 2: Tisdale here.

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Speaker 10: Happy Wealth Wednesdays everybody, and we have something really special

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Speaker 10: for you and bring you some Brown Ambition mm hmm.

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Speaker 10: With Mandy Woodruff Santos, who is the founder of that

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Speaker 10: amazing podcast. If you haven't heard it, check it out.

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Speaker 2: I want to discuss something that a lot of people

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Speaker 2: are dealing with right now.

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Speaker 4: We see a lot of businesses struggling.

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Speaker 2: We see people getting laid off, we see people nervous

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Speaker 2: about what's going to come in the future. But when

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Speaker 2: you do get laid off, it's an unfortunate situation. How

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Speaker 2: can you advocate for yourself because I know severnce packages

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Speaker 2: aren't a given, but it is something that you can negotiate.

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Speaker 2: And it's embarrassing for people as well. And I want

448
00:17:43,960 --> 00:17:46,080
Speaker 2: to talk about that too. For some people they don't

449
00:17:46,119 --> 00:17:50,560
Speaker 2: even you know, want to tell people shame fat Yeah, yeah,

450
00:17:50,640 --> 00:17:53,880
Speaker 2: that this is happening to them, and so that part

451
00:17:53,960 --> 00:17:55,800
Speaker 2: is also hard. So I want to talk about that

452
00:17:55,880 --> 00:17:56,360
Speaker 2: a little bit.

453
00:17:56,680 --> 00:17:58,320
Speaker 12: You know, I think we're in like a very unique time.

454
00:17:58,359 --> 00:18:00,560
Speaker 12: It's been a couple of years now, We're has been this.

455
00:18:00,720 --> 00:18:02,720
Speaker 12: The economy has been so dicey. It's like, is it

456
00:18:02,760 --> 00:18:05,440
Speaker 12: a recession. No, it's not a recession, but the women

457
00:18:05,480 --> 00:18:07,720
Speaker 12: I work with, it feels like a recession. Like I

458
00:18:07,760 --> 00:18:10,359
Speaker 12: don't care what the economists say, what the FED says,

459
00:18:10,840 --> 00:18:13,400
Speaker 12: like we are going through it. And you're right, I mean,

460
00:18:13,480 --> 00:18:17,359
Speaker 12: layoffs are continuing to happen. And the unfortunate thing is that,

461
00:18:17,520 --> 00:18:20,120
Speaker 12: of course, yes, I want to empower people to negotiate

462
00:18:20,119 --> 00:18:23,280
Speaker 12: their severance packages, and you absolutely can if you're lucky

463
00:18:23,280 --> 00:18:26,360
Speaker 12: to be offered one. Companies literally only give severance packages

464
00:18:26,400 --> 00:18:28,359
Speaker 12: because they're afraid of be all talking about them on

465
00:18:28,400 --> 00:18:31,359
Speaker 12: the internet. It's about their reputation and you know, they

466
00:18:31,359 --> 00:18:33,280
Speaker 12: don't want to be known as a company that has

467
00:18:33,400 --> 00:18:35,399
Speaker 12: let people go without a dime, you know.

468
00:18:35,800 --> 00:18:37,560
Speaker 4: Or health issue is because the health and they share

469
00:18:37,560 --> 00:18:38,240
Speaker 4: think about too.

470
00:18:38,440 --> 00:18:40,399
Speaker 12: You know, if you listen to Brown ambition, I'm always

471
00:18:40,400 --> 00:18:43,320
Speaker 12: talking about a recession proof career, and by that I

472
00:18:43,440 --> 00:18:47,880
Speaker 12: mean always expect that whether it is the current administration,

473
00:18:48,000 --> 00:18:51,399
Speaker 12: whether it's changes in your industry, changes in your life,

474
00:18:51,480 --> 00:18:53,840
Speaker 12: like issue is going to hit the fan at some point,

475
00:18:53,880 --> 00:18:56,159
Speaker 12: So like, why even pretend like it's not going to happen.

476
00:18:56,520 --> 00:18:58,800
Speaker 12: You know, make sure you're living beneath your means so

477
00:18:58,840 --> 00:19:01,240
Speaker 12: you can be saving and investment for long term growth.

478
00:19:01,760 --> 00:19:05,440
Speaker 12: And for me, the power of connection and maintaining your relationships.

479
00:19:06,000 --> 00:19:08,840
Speaker 12: When the women I work with are recently let go,

480
00:19:09,080 --> 00:19:11,880
Speaker 12: I'm like, don't look at your resume, don't go to LinkedIn.

481
00:19:12,400 --> 00:19:16,800
Speaker 12: Find five people, individuals who you know you have a

482
00:19:16,800 --> 00:19:20,240
Speaker 12: good relationship with, who are in your field or professionally

483
00:19:20,280 --> 00:19:22,879
Speaker 12: you know, tangential to your field, and contact them and

484
00:19:23,000 --> 00:19:25,359
Speaker 12: let them know on a one to one basis, what

485
00:19:25,480 --> 00:19:28,080
Speaker 12: has happened, what you want to do next. Start reaching

486
00:19:28,119 --> 00:19:31,879
Speaker 12: out to people. That is what creates career longevity. It

487
00:19:31,920 --> 00:19:32,600
Speaker 12: ain't your resume.

488
00:19:33,000 --> 00:19:34,719
Speaker 10: What do you say to people who are really crashing

489
00:19:34,800 --> 00:19:35,280
Speaker 10: right now?

490
00:19:35,440 --> 00:19:37,960
Speaker 12: Honestly, what I would say to anyone crashing out is

491
00:19:38,000 --> 00:19:42,000
Speaker 12: to accept the crash, know that it will, that you can.

492
00:19:42,080 --> 00:19:45,200
Speaker 12: You have everything you need to make small incremental changes,

493
00:19:45,240 --> 00:19:48,000
Speaker 12: even if you're feeling like you're drowning right now. Make

494
00:19:48,119 --> 00:19:51,240
Speaker 12: one phone call to someone who can support you. Do

495
00:19:51,400 --> 00:19:56,200
Speaker 12: one search for a credit counseling service. Do one balanced

496
00:19:56,240 --> 00:19:58,639
Speaker 12: transfer so that you can get some high interest credit

497
00:19:58,640 --> 00:20:01,960
Speaker 12: card debt transferred over, and not a zero percent intro APR.

498
00:20:02,040 --> 00:20:04,600
Speaker 12: Just these small things to give yourself some breathing space

499
00:20:05,240 --> 00:20:06,960
Speaker 12: and give you yourself.

500
00:20:06,600 --> 00:20:09,800
Speaker 2: Price Mandy Wood, Jeff Santos is here with us for

501
00:20:09,880 --> 00:20:12,560
Speaker 2: a Wealth Wednesday, me and Stacy Tisdale. She's a former

502
00:20:12,560 --> 00:20:16,240
Speaker 2: personal finance writer at Yahoo Finance but also a mom,

503
00:20:16,320 --> 00:20:18,280
Speaker 2: and she's got some great advice for all of us

504
00:20:18,440 --> 00:20:20,680
Speaker 2: entrepreneurs and us nine to five ers.

505
00:20:20,720 --> 00:20:22,280
Speaker 4: We got more with her when we come back. It's

506
00:20:22,320 --> 00:20:22,720
Speaker 4: way up.

507
00:20:23,400 --> 00:20:26,000
Speaker 8: I'm kind of dream of wealthy and I don't mind

508
00:20:26,000 --> 00:20:27,680
Speaker 8: sharing my wealth dogs.

509
00:20:27,480 --> 00:20:31,200
Speaker 5: Getting you straight financially, mentally and physically. This is Wealth

510
00:20:31,200 --> 00:20:33,280
Speaker 5: Wednesday on Way Up with Angela Yee.

511
00:20:33,359 --> 00:20:35,520
Speaker 2: What happ It's way up with Angela Yee and Happy

512
00:20:35,560 --> 00:20:38,439
Speaker 2: Wealth Wednesday. I'm with Stacy Tisdale and right now we

513
00:20:38,520 --> 00:20:41,359
Speaker 2: have Mandy Woodjeff Santo's with us. She is the co

514
00:20:41,440 --> 00:20:44,000
Speaker 2: founder of the Brown Ambition podcast and also the founder

515
00:20:44,040 --> 00:20:47,400
Speaker 2: of Mandy Moneymakers, a great community and coaching platform.

516
00:20:47,640 --> 00:20:49,560
Speaker 4: And Mandy, I do want to ask you about this.

517
00:20:49,640 --> 00:20:52,560
Speaker 2: So many people are looking for work too, and it

518
00:20:52,600 --> 00:20:55,640
Speaker 2: can be discouraging when you're getting a lot of rejections

519
00:20:55,720 --> 00:20:57,960
Speaker 2: or maybe even no responses. What would you say to

520
00:20:58,000 --> 00:21:00,359
Speaker 2: people who are like, Okay, I want to do this.

521
00:21:00,400 --> 00:21:02,320
Speaker 2: I've been looking for work. It's been a long time,

522
00:21:02,760 --> 00:21:04,960
Speaker 2: and I'm so discouraged and it's just really like a

523
00:21:05,000 --> 00:21:06,560
Speaker 2: lot for me to have to keep on going out

524
00:21:06,560 --> 00:21:09,320
Speaker 2: on these interviews and reaching out to people. What would

525
00:21:09,320 --> 00:21:11,680
Speaker 2: you say to somebody in that situation.

526
00:21:11,520 --> 00:21:13,919
Speaker 12: I would say that on average, I think the average

527
00:21:14,000 --> 00:21:17,040
Speaker 12: job search today, the last time I checked was six months.

528
00:21:17,200 --> 00:21:19,160
Speaker 12: That's the average amount of time it takes someone who's

529
00:21:19,200 --> 00:21:21,280
Speaker 12: looking for a job to get one, and that's a

530
00:21:21,400 --> 00:21:24,480
Speaker 12: long time. And I say that just to normalize the

531
00:21:24,560 --> 00:21:26,520
Speaker 12: idea that you may be on this journey for a

532
00:21:26,520 --> 00:21:29,720
Speaker 12: long time, and if you're someone who's been in a field,

533
00:21:29,720 --> 00:21:31,800
Speaker 12: you have lots of experience, and maybe there's not a

534
00:21:31,840 --> 00:21:34,080
Speaker 12: cookie cutter role for you. It could take longer than

535
00:21:34,119 --> 00:21:37,600
Speaker 12: six months. So just to normalize that, you want to

536
00:21:37,600 --> 00:21:40,679
Speaker 12: find a community. So I have Mandy money Makers, where

537
00:21:40,800 --> 00:21:43,520
Speaker 12: there are women we meet every other week, and we

538
00:21:43,600 --> 00:21:47,080
Speaker 12: have women who are getting raised as successfully and negotiating amazing,

539
00:21:47,600 --> 00:21:49,560
Speaker 12: and we have women who have been looking for work

540
00:21:49,640 --> 00:21:52,240
Speaker 12: for months on end. But having a space where you

541
00:21:52,280 --> 00:21:56,359
Speaker 12: can come and feel support and also just like sitting

542
00:21:56,359 --> 00:22:00,320
Speaker 12: in the discomfort of uncertainty is a practice. I don't

543
00:22:00,320 --> 00:22:02,439
Speaker 12: have a five step how to get through that. What

544
00:22:02,520 --> 00:22:05,080
Speaker 12: I do know is when you learn how to cope

545
00:22:05,320 --> 00:22:09,840
Speaker 12: with that stressful situation, like having a wellness practice, taking

546
00:22:09,880 --> 00:22:12,840
Speaker 12: care of yourself, getting your sleep, so that you can

547
00:22:12,880 --> 00:22:17,560
Speaker 12: meet these challenges where they are, and then again actually

548
00:22:17,640 --> 00:22:22,080
Speaker 12: telling people what's happening to you and making new connections.

549
00:22:22,720 --> 00:22:25,040
Speaker 4: Maybe you need a break from the job search.

550
00:22:25,080 --> 00:22:27,360
Speaker 12: Maybe it's a week, maybe it's forty eight hours where

551
00:22:27,400 --> 00:22:29,680
Speaker 12: you're not going to look at LinkedIn or indeed at all,

552
00:22:30,160 --> 00:22:32,280
Speaker 12: But then you have to get back to it. And

553
00:22:32,320 --> 00:22:34,840
Speaker 12: when you do that, think about what can I be

554
00:22:34,880 --> 00:22:38,399
Speaker 12: doing in addition to the online searching and applying, and

555
00:22:38,800 --> 00:22:41,639
Speaker 12: more often than not, it is speaking to other human beings.

556
00:22:41,640 --> 00:22:44,040
Speaker 12: So find an event near you you can go to

557
00:22:44,400 --> 00:22:46,800
Speaker 12: where you're going to be in the same space as

558
00:22:46,840 --> 00:22:49,120
Speaker 12: people who like what you like or do what you do,

559
00:22:49,640 --> 00:22:53,200
Speaker 12: and be open to the possibility that one of those

560
00:22:53,560 --> 00:22:58,000
Speaker 12: potential relationships could turn into your next opportunity. That human impact,

561
00:22:58,000 --> 00:23:02,040
Speaker 12: that human connection is the secret sauce that so many

562
00:23:02,119 --> 00:23:04,760
Speaker 12: of us are lacking when it comes to being long

563
00:23:04,880 --> 00:23:07,760
Speaker 12: term unemployed. We just haven't been able to reach out

564
00:23:07,760 --> 00:23:09,920
Speaker 12: to other people who can help us, you know, get

565
00:23:09,920 --> 00:23:11,040
Speaker 12: to the next opportunity.

566
00:23:11,080 --> 00:23:12,920
Speaker 10: How can people work with you if they want to

567
00:23:12,920 --> 00:23:15,119
Speaker 10: be a Mandy money Maker, if they want to coach

568
00:23:15,240 --> 00:23:18,320
Speaker 10: by and tell the different platforms, well.

569
00:23:18,080 --> 00:23:20,800
Speaker 12: Just listen to Brown Ambition first and foremost. You can

570
00:23:20,840 --> 00:23:23,520
Speaker 12: find us on ig at Brown Ambition Podcast. My other

571
00:23:23,560 --> 00:23:25,879
Speaker 12: handle is Mandy Money, so that's where I do the

572
00:23:25,880 --> 00:23:28,880
Speaker 12: bulk of Mandy m A and d I So Mandy Money,

573
00:23:28,920 --> 00:23:31,720
Speaker 12: That's where I do my negotiation career advice and all

574
00:23:31,760 --> 00:23:35,560
Speaker 12: my info is Mandymoney dot com and Brown Ambition Podcast

575
00:23:35,640 --> 00:23:38,840
Speaker 12: dot com. So yeah, but listen to the show support us.

576
00:23:39,200 --> 00:23:41,640
Speaker 2: You can watch that poot interview with Mandy Wit Jeff

577
00:23:41,680 --> 00:23:44,639
Speaker 2: Santos from the Brown Ambition podcast on my YouTube channel,

578
00:23:44,680 --> 00:23:46,880
Speaker 2: Way Up with Ye And when we come back, of.

579
00:23:46,840 --> 00:23:48,400
Speaker 4: Course, you'll have the last word.

580
00:23:49,040 --> 00:23:49,680
Speaker 3: Take up the.

581
00:23:49,680 --> 00:23:52,760
Speaker 5: Phone taping to get your voice heard.

582
00:23:52,800 --> 00:23:56,160
Speaker 3: What the word bit is the last word on Way

583
00:23:56,240 --> 00:23:56,800
Speaker 3: Up with Angela?

584
00:23:56,880 --> 00:23:57,120
Speaker 8: Ye?

585
00:23:57,400 --> 00:23:57,920
Speaker 4: What's up?

586
00:23:57,960 --> 00:24:01,520
Speaker 2: Guys is Way Up with Angela yee, and Merry Christmas

587
00:24:01,560 --> 00:24:04,119
Speaker 2: Eve to you all. Make sure you reach out to

588
00:24:04,240 --> 00:24:06,000
Speaker 2: loved ones. This is the time you get to really

589
00:24:06,080 --> 00:24:08,320
Speaker 2: catch up with people you haven't spoken to in a while.

590
00:24:09,000 --> 00:24:12,119
Speaker 4: It's not about gifts that are tangible.

591
00:24:12,240 --> 00:24:16,080
Speaker 2: Sometimes it's more about spending time and just saying hello

592
00:24:16,160 --> 00:24:18,879
Speaker 2: and seeing how people are doing all those things that

593
00:24:18,880 --> 00:24:21,280
Speaker 2: we've been meaning to do. Make sure you do those

594
00:24:21,280 --> 00:24:25,159
Speaker 2: things before it's too late again. You guys, this is

595
00:24:25,200 --> 00:24:27,679
Speaker 2: a family, the Way Up family. We love you so

596
00:24:27,800 --> 00:24:31,440
Speaker 2: much and this is your show. You have the last word.

597
00:24:32,000 --> 00:24:33,120
Speaker 9: What's up, Miss Angela.

598
00:24:33,600 --> 00:24:35,600
Speaker 1: My name is Will from Western Pa.

599
00:24:36,119 --> 00:24:39,080
Speaker 11: I wanted to call and you shine a light on myself.

600
00:24:39,160 --> 00:24:41,720
Speaker 11: Actually maxed out of prison last year and.

601
00:24:41,720 --> 00:24:45,520
Speaker 9: Since coming home, I've been thriving, working two full.

602
00:24:45,320 --> 00:24:48,840
Speaker 11: Time jobs, got married, just published a.

603
00:24:48,800 --> 00:24:52,399
Speaker 9: Book, so I'm doing a lot and I'm thriving, and

604
00:24:53,080 --> 00:24:55,920
Speaker 9: it just feels good to just do the right thing

605
00:24:56,560 --> 00:24:59,440
Speaker 9: and be on the right track for the first time

606
00:24:59,480 --> 00:25:02,000
Speaker 9: in my life after all the trauma and everything I've

607
00:25:02,040 --> 00:25:05,399
Speaker 9: been through. I'm forty years old and finally getting it together,

608
00:25:06,440 --> 00:25:06,720
Speaker 9: going

609
00:25:06,840 --> 00:25:09,440
Speaker 3: Way out Turnout with Angela Yee