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Speaker 1: It's time for the b a q a a to

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Speaker 1: b a q a, which is the b a q

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Speaker 1: a mand the b q ai b q a a a.

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Speaker 1: Mandy back in the soupy New Year, New Years. Don't

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Speaker 1: you hate New Years?

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Speaker 2: I don't because I'm a Southern gal. And that's if

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Speaker 2: you add an ask to the end, it means that

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Speaker 2: you like it more.

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Speaker 1: Okay, Aldis, Walmart.

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Speaker 2: Belks, Kroger's and whatever. I'm very excited to be back

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Speaker 2: for b a q a and just makes me feel

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Speaker 2: connected to our BA fan so much.

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Speaker 1: Yes, if you have questions that needs some answers, know

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Speaker 1: this that we are not your attorneys. We're not your doctor,

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Speaker 1: we're not your mechanic, we're not even your mama cousin.

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Speaker 1: But we are your favorite beautiful brown internet besties who

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Speaker 1: are pretty smart. And although we are smart, we want

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Speaker 1: you to take our advice with a small sprain of

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Speaker 1: salt and then lean into the people that you pay

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Speaker 1: for advice. Okay, it's for entertainment purposes.

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Speaker 2: Absolutely, And speaking of BA fan, I have to shut

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Speaker 2: out the listener who recognized me at the Atlanta airport

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Speaker 2: and it's usually Tiffany, but she was so nice and

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Speaker 2: I forgot her name because I was really stressed at

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Speaker 2: that time. She reached out right after the TSA security.

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Speaker 2: If you go through the TSA with two children, you

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Speaker 2: know you're a little haggard. But anyway, that was so sweet. Hi,

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Speaker 2: if you're listening, so.

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Speaker 1: But if you have questions honest, so, you can go

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Speaker 1: to Brownambition podcast dot com. There's like a like a

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Speaker 1: contact us button there, slide into the d MS on IG,

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Speaker 1: Brown and bish and podcasts the BA podcast on Twitter.

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Speaker 1: You could tweet us or email us at Brown and

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Speaker 1: Bichon Podcasts at gmail dot com.

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Speaker 2: I'm ready. I'm kind of ready to say just go

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Speaker 2: to IG. I'm ready to get them fewer options. Hi,

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Speaker 2: are you should we just open or should we decided.

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Speaker 1: That we can decided that you can slid to our

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Speaker 1: DMS on IG. That's what the.

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Speaker 2: DMS is the best. Yeah, ig ran Ambission Podcast on IG.

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Speaker 2: It's easy, it's one thing to remember and our admin

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Speaker 2: Lauda will appreciate them. Yeah.

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Speaker 1: Alright, So first question, we're gonna actually do a mix up,

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Speaker 1: so we answer career questions, business questions, money questions. I'm

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Speaker 1: gonna read this money question, but I think mand, do

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Speaker 1: you have a career question today?

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Speaker 2: I do a very juicy one. I'm very excited.

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Speaker 1: Okay, So this is from a queen over on ig Hello, ladies,

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Speaker 1: I am desperate for some advice. I have some credit

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Speaker 1: card debt that is making me lose sleep. My husband

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Speaker 1: and I have not are and I have not are

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Speaker 1: not making enough money. I've not been making enough money,

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Speaker 1: and sometimes we spend too much. I'm wondering if we

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Speaker 1: should save from our third checks. I'm not really what

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Speaker 1: she means by that, or pay down the credit card

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Speaker 1: debts that now have exorbited interest rates. Okay, she's wondering

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Speaker 1: if she should save or pay down debt. Okay. Paying

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Speaker 1: the debt now though, would mean we would have to

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Speaker 1: use our credit card to pay down on a used

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Speaker 1: car next year. We're trying to get a second job. Okay.

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Speaker 1: So queen, it's sounding like one, you have a lot

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Speaker 1: of credit card debt that is stressing you out.

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Speaker 2: Too.

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Speaker 1: It sounds like you feel like you might not be

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Speaker 1: making enough money, and you have this car lease that's

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Speaker 1: up next year, and you're wondering should you save because

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Speaker 1: you have to get another car when this car lease

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Speaker 1: goes up, or should you put that money toward the

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Speaker 1: credit card debt because you feel like, if I put

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Speaker 1: down the money on this credit card debt, we don't

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Speaker 1: have enough money to save. We're still going to have

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Speaker 1: to get in the debt to buy a car. That's

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Speaker 1: what it's all sounding like. Okay, so queen, first things first,

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Speaker 1: it sounds like, and this is no judgment, that some

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Speaker 1: of to your own admission, the credit card debt that

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Speaker 1: you find yourself in is not for just day to

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Speaker 1: day living, you know, because you share that like you've

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Speaker 1: kind of like overspent, you know, and that happens, you

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Speaker 1: know sometimes, you know, we don't always exercise the full

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Speaker 1: control that we have over our credit cards. So it

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Speaker 1: sounds like you might need to just say, you know,

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Speaker 1: we need to cut out the usage of these credit

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Speaker 1: cards because it's gonna be very difficult to pay off

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Speaker 1: credit cards if we are if you're currently using those

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Speaker 1: credit cards. So unless you're using credit cards for like

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Speaker 1: necessities like groceries or medicine or things you absolutely need,

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Speaker 1: and I probably, honestly you will cut my credit cards up.

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Speaker 1: I would go as far as to call a credit

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Speaker 1: card company to say lost my card or would like

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Speaker 1: for you to change the number on my credit card

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Speaker 1: so they're not saved on your computer and your phone

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Speaker 1: like I'm sure they are currently.

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Speaker 2: Oh that's smart.

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Speaker 1: Yeah, that's what I need to do, because lord knows,

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Speaker 1: we all have to say it's just right there, chat

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Speaker 1: don't another numbers log in?

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Speaker 2: Well, yes, thank you for real.

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Speaker 1: So that's one. I definitely would like, you know, to

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Speaker 1: stop credit card usage if it's possible, if you're if

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Speaker 1: you're not using it for things that are necessary.

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Speaker 2: So that's one.

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Speaker 1: Two. Although you know savings, you know is great. Unfortunately

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Speaker 1: I'm assuming when you said exorbitant interest rates and you

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Speaker 1: have double dishes interest rates. So whenever you're deciding whether

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Speaker 1: to save or pay down debt, one of the things

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Speaker 1: that should lead that decision is where what does the

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Speaker 1: interest look like? So if you put your money and

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Speaker 1: you save it into a savings account, the most interest

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Speaker 1: you're probably gonna earn right now is like what four percent,

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Speaker 1: give or take. But you're I'm sure your interest rates

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Speaker 1: for your credit card debt twenty maybe even thirty percent.

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Speaker 1: So if the credit cards are costing you twenty percent

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Speaker 1: and savings is only going to make you four percent,

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Speaker 1: then you're probably gonna want to put more money toward

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Speaker 1: paying down that debt because it's costing you. It's that

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Speaker 1: that is so expensive that it's costing you whatever savings

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Speaker 1: you would have saved. So I would focus most of

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Speaker 1: my time and energy, certainly set aside a little something

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Speaker 1: for emergencies, but most like if I had one hundred dollars,

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Speaker 1: I might do like twenty dollars savings eighty dollars credit

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Speaker 1: card debt, that kind of like mix, because your credit

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Speaker 1: card debt is just costing you so so, so so

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Speaker 1: so much, and getting a second job, you know, might

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Speaker 1: not be a bad idea. But before you get a

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Speaker 1: second job, I want you to sit down and look

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Speaker 1: at your budget to see, like do we actually make

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Speaker 1: enough to cover what we need to cover? Because I

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Speaker 1: would hate for you to take on additional work when

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Speaker 1: really it's a matter of budgeting, you know. So I

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Speaker 1: would sit down and look at my budget and ask myself, like, okay,

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Speaker 1: like the amount of money that we're making, you know,

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Speaker 1: based upon like what we have to spend to maintain

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Speaker 1: our lives, there's actually enough money here, it might be,

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Speaker 1: and if not, then certainly you can look at you know,

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Speaker 1: looking at additional income. And then my last final thing

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Speaker 1: is is that, like I shared this on the Wednesday show,

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Speaker 1: is that this year I have my annual Live with

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Speaker 1: Your Challenge. It starts January fourteenth, but sign up for

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Speaker 1: the free challenge ends January. No, it starts January fifteenth, Monday,

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Speaker 1: but sign up end January fourteenth. And so I encourage

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Speaker 1: you and anybody who has any credit issues, Queen, to

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Speaker 1: go to l r C Credit LRC credits dot com

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Speaker 1: and sign up for the challenge. We already have three

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Speaker 1: hundred thousand people plus signed up. You will not be alone.

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Speaker 1: There will be other people struggling with credit. Week one

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Speaker 1: you learn how is your credit even calculated? Week two

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Speaker 1: how to grow and your credit score, and week three

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Speaker 1: how to maintain credit so you never find yourself in

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Speaker 1: this position again. It's totally free. It's a three week

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Speaker 1: like email course. It comes with an app that's free

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Speaker 1: as well that we just built. And so I think

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Speaker 1: that's going to help you as you navigate your credit journey,

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Speaker 1: so you find yourself not in this business sit again.

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Speaker 1: So LRC credit dot com. The link will be in

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Speaker 1: the show notes. But I wish you well clean anything

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Speaker 1: I forgot Mandy, get.

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Speaker 2: Thee to the library and get Tiffany's book and her work.

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Speaker 2: But your work book going to be in the library.

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Speaker 1: Yeah, wadeholes in the library too.

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Speaker 2: You know. When I'm writing at my library, I just

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Speaker 2: I work on the ninth non fiction floor or near

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Speaker 2: that section, and I just stroll over to the business

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Speaker 2: section sometimes and I say, Hi, Tiv, really you in

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Speaker 2: the library.

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Speaker 1: I used to live in the library as a kid, Like, yeah,

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Speaker 1: go back.

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Speaker 2: Libraries are are amazing. Yeah. My thing is with the

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Speaker 2: car and credit card debt at this at the end

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Speaker 2: of the day, even though it makes sense on paper

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Speaker 2: to paid on credit card debt and that sounds good

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Speaker 2: and save and all that, but you need a good car,

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Speaker 2: you know, so especially like you know, most working people,

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Speaker 2: the car is the in this country. It's like the

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Speaker 2: way to get to the money, to the opportunity to

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Speaker 2: make the money. So I would just say, make sure

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Speaker 2: you're getting saved transportation. And sometimes safety comes before logic

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Speaker 2: and credit card bills, you know. And if you're in

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Speaker 2: a situation where you might need to like consolidate debt

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Speaker 2: if it's too much, if you're in over your head,

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Speaker 2: you know, look for ways to consolidate debt, do a

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Speaker 2: balanced transfer to make it a little bit less cumbersome,

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Speaker 2: make it less stressful, less expensive, help you kind of

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Speaker 2: tackle it. But you gotta. Yeah, Like I agree with Tiff,

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Speaker 2: and I think the thing with budgeting that's so scary

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Speaker 2: when you have that kind of debt is like emptying

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Speaker 2: out the drawer and looking at all the stuff that's

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Speaker 2: in it. Ooof I think, yeah, that's that's gonna be

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Speaker 2: the hard part. But lock arms with your partner and

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Speaker 2: do it together, because you ain't going to get out

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Speaker 2: of this you're doing it. You're getting into the hole together,

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Speaker 2: but you're not going to get out without being together

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Speaker 2: if you're not both on the same page. So I

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Speaker 2: wish you so much luck and thank you that question

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Speaker 2: real quick.

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Speaker 1: So the National Foundation of Credit Counseling n FCC dot org.

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Speaker 1: They're a great nonprofit that help walk people through, like

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Speaker 1: if you really the extra extra handholding, consider them as well.

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Speaker 1: They have nonprofit partners around the country, So you would

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Speaker 1: go to NFCC dot org and you would find one

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Speaker 1: in the closest area to you. So if you kind

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Speaker 1: of need to sit with a credit counselor that you'll

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Speaker 1: be you know you'll be able to work with a

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Speaker 1: credit counselor there too. So good luck to you, queen.

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Speaker 2: Thank you, queen. Should we take a quick break and

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Speaker 2: be right back with my You're gonna love this question,

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Speaker 2: see you one of it. Okayba fan, we are back

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Speaker 2: and I am so excited to give you guys an update.

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Speaker 2: If you've been listening to the show the last I

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Speaker 2: don't know a few months, you might have heard back

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Speaker 2: in the fall when we took a question from someone

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Speaker 2: who wanted to be anonymous that we called her Crossroads.

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Speaker 2: At the time, Crossroad was looking for a job for

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Speaker 2: over a year and said that she left her full

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Speaker 2: time job due to racial incidents, you know, proliferate by

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Speaker 2: her supervisor. Is that the right word? Proliferiding man done?

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Speaker 2: Her supervisor was racist, and colleagues left her feeling unsafe.

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Speaker 2: She had over a decade of full time work experience

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Speaker 2: and currently yeah, and currently she's a full time PhD

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Speaker 2: student and she's been working as a graduate assistant to

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Speaker 2: make ends meet. Now she's getting back into the job

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Speaker 2: market and feeling like not only is she having trouble

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Speaker 2: getting an offer, but because she's you know, a PhD

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Speaker 2: graduate assistant. She's finding the pay is not matching her

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Speaker 2: level of experience, and she was really trying to find

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Speaker 2: a position. So her ultimate question is that should she

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Speaker 2: find roles in her current field, the field that she

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Speaker 2: had left because of the toxicity, or make a career

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Speaker 2: switch and rebuild. Now we're in the future now and

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Speaker 2: Crossroads sent me an update. First, she said thank you

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Speaker 2: to our advice. I guess we responded to two of

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Speaker 2: her questions, and she says, I took your advice and

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Speaker 2: I leaned into my network as I hadn't for quite

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Speaker 2: some time in my search. To my surprise, well, a

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Speaker 2: lot of folks didn't know I was looking for a

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Speaker 2: job since I'm still in school. They were very helpful

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Speaker 2: and I yielded several leads. I landed an interim role

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Speaker 2: in a different field that lasted for two months through

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Speaker 2: the end of this year twenty twenty three. It was

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Speaker 2: a great opportunity. I learned a lot in a short

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Speaker 2: period of time, and it even sparked an entrepreneurial flame

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Speaker 2: that I planned to invest in within the coming year.

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Speaker 2: Twenty twenty four. Now has come with a bang, I receive.

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Speaker 2: I have received two job offers within the first days,

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Speaker 2: first few days of the new year. Both are what

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Speaker 2: I specifically prayed for, and I'm immensely grateful. My experience

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Speaker 2: on the long term job search has taught me so

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Speaker 2: much about myself and given me clarity on my career

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Speaker 2: path moving forward. Thank you so much for both your

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Speaker 2: answers and support for AFAR. You made me feel seen

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Speaker 2: and understood during a time when I felt just the opposite.

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Speaker 2: May God continue to bless you both. Your work on

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Speaker 2: Brown Ambition is a ministry. This is the best part.

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Speaker 2: Signed no longer at a crossroad.

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Speaker 1: Oh my gosh, make me cry. That is the best.

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Speaker 2: Oh, it's the best. And I just love stories like

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Speaker 2: this because the long road does have an end, you

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Speaker 2: know what I mean. She was looking for a job

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Speaker 2: for so long. A lot of people are, especially when

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Speaker 2: you're especially when you're at a certain level in your

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Speaker 2: career where what you're looking for is rarer. And that's

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Speaker 2: what I have to tell people, like, just expectations. It's

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Speaker 2: going to take a while, but that's just thank you.

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Speaker 2: I'm so proud of you. Yeah, so proud of you.

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Speaker 1: So is that normal? Because I had a friend who

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Speaker 1: got his masters, super smart you know, had great jobs

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Speaker 1: and then it took six months. They were like, wait,

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Speaker 1: what's going on? So is that like that's not even

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Speaker 1: that bad really because I was going to say that,

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Speaker 1: you know before you know, prior to this, you know,

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Speaker 1: three four months maybe, but like, so is that typical

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Speaker 1: that kind of like the higher you get in your career,

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Speaker 1: the more education you get, that like replacing that job

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Speaker 1: that you're seeing people take six months or longer to

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Speaker 1: find replacement.

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Speaker 2: Yeah, I mean, I don't want to paint with a

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Speaker 2: broad brush, but I would say if you are someone

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Speaker 2: who's yes, you have a particular skill set, and you know,

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Speaker 2: depending on changes by industry, some industries, if you hit

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Speaker 2: at the right moment, they're really hiring and jobs are plentiful.

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Speaker 2: We kind of all went through that in twenty twenty one,

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Speaker 2: and now we're leveling out. The job market is really

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Speaker 2: strong right now, but people don't really feel that way

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Speaker 2: because it's taking a little bit harder, a little bit

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Speaker 2: longer to find job, not a little bit a lot

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Speaker 2: of bit longer to find jobs. It feels like there's

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Speaker 2: a fewer of them out there, even though job numbers

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Speaker 2: are still exceeding expectations and The reason is why this

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Speaker 2: is kind of what a normal job market feels like.

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Speaker 2: I looked at this data for my book because I'm

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Speaker 2: still doing that writing a book, and I think the

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Speaker 2: average there's a stat the average. Let me just look

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Speaker 2: it up real quick. Okay, so this is a stat

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Speaker 2: I just cited in my book coming to a library

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Speaker 2: in bookstore near you at some point in the future.

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Speaker 2: I don't know, I got to write it first. How

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Speaker 2: long it actually takes to find a job is about

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Speaker 2: five months? Really, yes, that's on average. Okay, So I

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Speaker 2: think it's not to deter people from you know, being

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Speaker 2: on the lookout, but this is I do know the trick,

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Speaker 2: as Crossroads has found, of speeding up that timeline, working

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Speaker 2: your network at all times. And I find that people

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Speaker 2: who shelter in school or not shelter in school, but

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Speaker 2: they're going back to school, they're getting an MBA, they're

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Speaker 2: getting a PhD, they're doing a certificate program. It feels

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Speaker 2: like you're doing a thing for your career when you're

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Speaker 2: in school and you are, you are elevating your skills,

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Speaker 2: you're making yourself more attractive as a job candidate. But

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Speaker 2: the worst thing you can do is also not engage

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Speaker 2: with your network and keep them engaged. The minute that

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Speaker 2: crossroads we just heard from her opened her mouth and

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Speaker 2: said to her network, I am looking for work. She

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Speaker 2: had a decade of a decade of experience. It's coming

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Speaker 2: back to me, not what I said for at the time. Like,

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Speaker 2: with a decade of experience, you met so many people

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Speaker 2: across that timeline. They need to know that they can

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Speaker 2: help you, that you're looking for help. And yeah, so

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Speaker 2: I would just say to anyone who's facing or you know,

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Speaker 2: thinking about quitting or pivoting into a new field, or

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Speaker 2: you know you've been let go unfortunately, Yeah, three to

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Speaker 2: six months, I feel like is a safe That's why

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Speaker 2: they say three to six months of your income save it.

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Speaker 2: But if you want the cheat code, the only cheek

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Speaker 2: code I can think of when it comes, it ain't

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Speaker 2: your resume. It sometimes isn't even the skills that you

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Speaker 2: can attain. It is making great relationships over the course

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Speaker 2: of your career, investing in them like seeds, seeds that

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Speaker 2: you don't plan to sew until you absolutely need it,

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Speaker 2: and there's no.

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Speaker 1: And that's why he got his job. One of his

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Speaker 1: literally like elementary school friends, like was like wait a minute,

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Speaker 1: I didn't know, okay, and then put in a good word.

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Speaker 1: And you know, because we don't think that, we think that,

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Speaker 1: like you know, I apply.

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Speaker 2: I think we're all out here working hard. I'm pulling

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Speaker 2: ourselves up bootstraps.

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Speaker 1: Let's bys yes, people, putting a good word in for

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Speaker 1: you is so critical. So yeah, that's I'm so happy crossroads. Honestly,

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Speaker 1: and honestly I want to I would love the appam

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Speaker 1: if you did that more that if we answer the

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Speaker 1: question for you, or even if we didn't answer a

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Speaker 1: question directly, let's just say you listened and you heard

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Speaker 1: some advice and it applied to your situation. We love

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Speaker 1: an update if we answered your questions, or we would

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Speaker 1: just love Hey, that thing you told that other person.

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Speaker 1: It worked for me too. And here's how, because I

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Speaker 1: think it's great for people to hear that you know

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Speaker 1: they're not alone, and then you know there is light

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Speaker 1: at the end of the tunnel, so every tunnel.

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Speaker 2: Okay. I do want to get to this new question

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Speaker 2: because I can't wait. I can't wait for your update

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Speaker 2: email because this one just made me chuckle. So the

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Speaker 2: first thing you got to know is this comes from

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Speaker 2: someone who wants us to call him budget Bro. Okay,

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Speaker 2: that's right, Tiffany Bro. Budget Bro says, and this, hello ladies.

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Speaker 2: He says, I need to get with Kevin and work

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Speaker 2: out the details. Lol. If y'all are you know, I

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Speaker 2: don't even know if you have to be an OGBA listener,

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Speaker 2: but Kevin is our favorite. Kevin was a mail listener,

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Speaker 2: I mean, is still a mail listener who We had

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Speaker 2: him on the show because he used to write in

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Speaker 2: the most incredible questions starting with his wife and his

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Speaker 2: advice for her about her career, which we had to

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Speaker 2: set him straight on. But I just love that budget

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Speaker 2: Bro has listened and wants to be besties with Kevin

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Speaker 2: because based on his question, I think they would get

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Speaker 2: along just fine. All right, budget Bro says, I'm thirty one.

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Speaker 2: I work in the chemical refining industry as an analyst

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Speaker 2: at an amazing company in Louisiana. I make about one

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Speaker 2: thirty five a year, but I can add twenty k

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Speaker 2: to that and make one fifty five, one hundred and

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Speaker 2: fifty five thousand dollars a year with overtime. Right now.

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Speaker 2: I'm married, we have two toddlers. Oh God, bless I

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Speaker 2: don't have any debt aside from student loans. We own

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Speaker 2: a home. I'm leaning in, he said. I am leaning

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Speaker 2: into my middle aged, suburban dad era and I am excited. Yes,

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Speaker 2: I love you, Budge bro.

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Speaker 1: He says.

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Speaker 2: My site has a specialist role that I applied for.

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Speaker 2: It combines my skills as an analyst with more of

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Speaker 2: the operations day to day tasks. I'm excited because I

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Speaker 2: feel like it's a segue into raising through the rinks

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Speaker 2: with the company, and the role that I am in

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Speaker 2: now is often seen as a really cushy retirement role,

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Speaker 2: so people just don't quit it. This new role is

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Speaker 2: in the same department, but it's more than project management side. However,

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Speaker 2: this would mean a pay cut to about one hundred

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Speaker 2: and twenty thousand dollars and I wouldn't be eligible to

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Speaker 2: for overtime. So just to get back with the numbers,

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Speaker 2: he's making one thirty five k base. He can get

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Speaker 2: up to one fifty five K if he does overtime.

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Speaker 2: This would be going down to one hundred and twenty

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Speaker 2: k base. But here's the thing about the new role.

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Speaker 2: The new role is a four day work week, no nights,

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Speaker 2: no weekends. Right now, he's doing shift work, which is

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Speaker 2: a mix of days and nights, twelve hour shifts and

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Speaker 2: about total about fifteen days a month. So he's going

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Speaker 2: to be going from that to a four day work

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Speaker 2: week if he takes this pay cut. He got two

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Speaker 2: babies at home and two toddlers at home, Okay, he says,

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Speaker 2: the money isn't really the issue, as we are living

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Speaker 2: below our means as it is. I have also been

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Speaker 2: able to get a lot of schoolwork done during my

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Speaker 2: ten to fourteen days off a month, as well as

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Speaker 2: when I work nights. I would like to start an

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Speaker 2: MBA program in the spring, and the new role would

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Speaker 2: cut into that the time that he has okay, ooh,

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Speaker 2: I missed this part right now, he's working like fifteen

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Speaker 2: days a month, but they are twelve hour shifts, a

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Speaker 2: mix of day and nights. Okay, So he's going from

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Speaker 2: like an unusual hardcore schedule that's like fewer days a month.

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Speaker 2: This would be more of like to you know, all

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Speaker 2: day normal work day, but for four days a week.

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Speaker 2: He says, what should I do? Should I take this

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Speaker 2: new role that would allow me to be home nightly

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Speaker 2: with my wife and kids, or wait until I'm done

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Speaker 2: with my MBA and apply for another role. Then I'm torn,

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Speaker 2: Thank you, budget.

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Speaker 1: Bro sweel on the career side, you know, that's not

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Speaker 1: my specialty, but I am a specialist on living life

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Speaker 1: because I'm living. No. So here's what I always ask

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Speaker 1: myself when like met with like a decision that has

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Speaker 1: kind of like sometimes competing outcomes, I ask myself, pushing

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Speaker 1: all that aside, what is it that I desire with

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Speaker 1: my for my life? What is my desired outcome? Who

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Speaker 1: do I see myself as? What is it what do

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Speaker 1: I want? And so it might be you might say

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Speaker 1: something like I want to be a present father. I

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Speaker 1: want to be you know, I don't know. Like for example,

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Speaker 1: when we were kids, my dad got his master's his

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Speaker 1: NBA economics or in finance, and then his bachelor's and

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Speaker 1: economics or finance. Right, so he really wanted professionally to

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Speaker 1: be on the stock market, like you know, But then

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Speaker 1: my mom had one girl, two girls, three girls, five girls,

434
00:22:22,359 --> 00:22:26,080
Speaker 1: and he had to make a decision based upon who

435
00:22:26,160 --> 00:22:28,280
Speaker 1: did he actually want to be. Certainly he wanted to

436
00:22:28,280 --> 00:22:30,760
Speaker 1: be a stockbroker and make a ton of money, but

437
00:22:30,960 --> 00:22:33,440
Speaker 1: he really also because he didn't have a present father,

438
00:22:33,920 --> 00:22:36,680
Speaker 1: he wanted to be a present father, and so instead

439
00:22:37,040 --> 00:22:39,920
Speaker 1: he took finance jobs that were nine to five. Ended

440
00:22:40,000 --> 00:22:42,760
Speaker 1: up being like the CFO for a small nonprofit and

441
00:22:42,800 --> 00:22:46,480
Speaker 1: then the CEO of that small nonprofit, and it didn't

442
00:22:46,520 --> 00:22:48,960
Speaker 1: pay nearly as much because as nonprofits are opt not

443
00:22:49,080 --> 00:22:50,800
Speaker 1: to do. But my dad used to take us to

444
00:22:50,800 --> 00:22:52,800
Speaker 1: school in the morning, used to pick us up from

445
00:22:52,800 --> 00:22:55,200
Speaker 1: school because he got out at a reasonable time. He

446
00:22:55,440 --> 00:22:57,520
Speaker 1: was super hands on, almost two hands on. I'm like, damn,

447
00:22:57,560 --> 00:23:01,600
Speaker 1: daddy can agree, right. But he that decision because he said,

448
00:23:01,920 --> 00:23:03,760
Speaker 1: with all these girls, he wanted to make sure they

449
00:23:03,800 --> 00:23:05,840
Speaker 1: had a strong male figure in his life. And he

450
00:23:06,080 --> 00:23:11,600
Speaker 1: decided that that this desired outcome outweighed the desired outcome

451
00:23:12,280 --> 00:23:14,879
Speaker 1: for more money. So certainly we were because of that.

452
00:23:14,920 --> 00:23:16,440
Speaker 1: You know, it was sometimes life was a little rough

453
00:23:16,440 --> 00:23:19,679
Speaker 1: because it was expensive raising five kids. So for you, Kevin,

454
00:23:19,840 --> 00:23:20,840
Speaker 1: it's not Kevin, who's this?

455
00:23:20,920 --> 00:23:22,439
Speaker 2: What's this? Doesn't budget bro?

456
00:23:23,040 --> 00:23:25,640
Speaker 1: For you, budget bro, it's not really the job thing.

457
00:23:25,920 --> 00:23:29,080
Speaker 1: You have to decide what is my ultimate desired outcome

458
00:23:29,160 --> 00:23:32,240
Speaker 1: for my life and then you align work to it.

459
00:23:32,760 --> 00:23:34,879
Speaker 1: You don't decide what work is and then align your

460
00:23:34,920 --> 00:23:36,639
Speaker 1: life to it. And if you do that. You know,

461
00:23:36,720 --> 00:23:40,800
Speaker 1: my dad doesn't regret picking us, you know, the kids,

462
00:23:41,200 --> 00:23:43,960
Speaker 1: you know, because as a result, you know, you know,

463
00:23:44,080 --> 00:23:47,879
Speaker 1: we're all like well loved, looked after, you know, we

464
00:23:48,440 --> 00:23:50,600
Speaker 1: we were able to have a very present father. And

465
00:23:50,960 --> 00:23:53,520
Speaker 1: the truth is I am the budgetiesta as a result

466
00:23:53,640 --> 00:23:56,520
Speaker 1: of the education my father gave me about personal finance,

467
00:23:56,640 --> 00:23:58,920
Speaker 1: there wouldn't be no budget. Needs to imagine had he

468
00:23:59,040 --> 00:24:02,280
Speaker 1: chosen the stock market and more money, you know, certainly

469
00:24:02,359 --> 00:24:03,960
Speaker 1: I would be a girl with a lot more money,

470
00:24:04,480 --> 00:24:06,840
Speaker 1: but not the knowledge that he imparted on me because

471
00:24:06,840 --> 00:24:09,280
Speaker 1: he was physically here. So that's what I just say,

472
00:24:09,320 --> 00:24:11,400
Speaker 1: is that choose from that place and then align your

473
00:24:11,560 --> 00:24:15,040
Speaker 1: job decisions and back to school with the life and

474
00:24:15,160 --> 00:24:17,520
Speaker 1: how you want to show up as a man. You know.

475
00:24:17,760 --> 00:24:23,560
Speaker 2: So I love that advice. I agree, I think you know.

476
00:24:23,640 --> 00:24:26,240
Speaker 2: When I got your question, budget bro, I thought I

477
00:24:26,320 --> 00:24:28,080
Speaker 2: went back and reread it because I wanted to see,

478
00:24:28,720 --> 00:24:30,920
Speaker 2: is this something that you have already applied for? Do

479
00:24:30,960 --> 00:24:32,720
Speaker 2: you have an offer? And you just say that you

480
00:24:32,880 --> 00:24:35,680
Speaker 2: have applied? What I like about you know, what I

481
00:24:35,720 --> 00:24:37,879
Speaker 2: would typically say is like wait until you've got an

482
00:24:37,960 --> 00:24:41,120
Speaker 2: option before you consider considerate, Like don't hem in haw,

483
00:24:41,560 --> 00:24:43,240
Speaker 2: like you don't have to figure out what you would do.

484
00:24:43,720 --> 00:24:45,640
Speaker 2: I'm glad that you went ahead and applied for because

485
00:24:45,640 --> 00:24:49,240
Speaker 2: I think a lot of people will just wait and think,

486
00:24:49,640 --> 00:24:51,760
Speaker 2: well should I what if? What if? And I'm like,

487
00:24:51,920 --> 00:24:54,680
Speaker 2: just apply so you have something to like, something real

488
00:24:55,240 --> 00:24:59,760
Speaker 2: to compare to, like an actual, real life, concrete option

489
00:25:00,080 --> 00:25:02,360
Speaker 2: that you can choose between rather than just the idea.

490
00:25:02,960 --> 00:25:05,320
Speaker 2: So you're getting your MBA. You're going to put in

491
00:25:05,359 --> 00:25:06,760
Speaker 2: your you know, you're going to put your hat in

492
00:25:06,800 --> 00:25:10,320
Speaker 2: the ring for this position if you get it. Here's

493
00:25:10,359 --> 00:25:12,879
Speaker 2: what I will say to you. There's no wrong answer here.

494
00:25:13,080 --> 00:25:15,040
Speaker 2: You can take the position. And I feel like in

495
00:25:15,160 --> 00:25:17,440
Speaker 2: your field you have highly specialized skills. You're going to

496
00:25:17,480 --> 00:25:20,359
Speaker 2: get an MBA. You you said that you're you know this,

497
00:25:20,560 --> 00:25:22,800
Speaker 2: this job that you're doing now is more like you know,

498
00:25:23,000 --> 00:25:25,440
Speaker 2: shift work, and it's it sounds to me almost like

499
00:25:25,520 --> 00:25:27,399
Speaker 2: you're a day laborer in the job. I know that

500
00:25:27,400 --> 00:25:29,119
Speaker 2: you're not a day laborer, but just as like a

501
00:25:29,480 --> 00:25:32,879
Speaker 2: you know, as an analogy, like sort of like a

502
00:25:32,960 --> 00:25:35,879
Speaker 2: day laborer, you're paid for your time and for the

503
00:25:35,920 --> 00:25:39,440
Speaker 2: specific skill that you have. And this like more management

504
00:25:39,560 --> 00:25:43,120
Speaker 2: type operations, project management type role that could lead down,

505
00:25:43,359 --> 00:25:45,800
Speaker 2: you know, a career path with more avenues and more

506
00:25:45,880 --> 00:25:48,680
Speaker 2: branches on that tree. That makes a lot of sense.

507
00:25:49,480 --> 00:25:51,000
Speaker 2: And if you want to pursue that, I feel like

508
00:25:51,000 --> 00:25:53,120
Speaker 2: you should. You're only thirty one. Go try it out,

509
00:25:53,680 --> 00:25:56,040
Speaker 2: and then here's the thing that you have to think about, Like, Okay,

510
00:25:56,080 --> 00:25:57,640
Speaker 2: so what if I don't like it? What if four

511
00:25:57,720 --> 00:26:00,280
Speaker 2: day work weeks? You know, I think I get more

512
00:26:00,320 --> 00:26:03,480
Speaker 2: time with my kids, but actually I preferred only working

513
00:26:03,520 --> 00:26:06,080
Speaker 2: half a month, even though they were really rigorous shifts.

514
00:26:06,560 --> 00:26:08,919
Speaker 2: You get to try it out and then you can compare,

515
00:26:09,080 --> 00:26:11,080
Speaker 2: and I feel like, because of your unique skill set,

516
00:26:11,480 --> 00:26:15,160
Speaker 2: you can always go back to doing that fifteen hour, sorry,

517
00:26:15,200 --> 00:26:20,960
Speaker 2: fifteen day like more the overtime, the hourly work that

518
00:26:21,080 --> 00:26:23,399
Speaker 2: you were doing before. I don't think you need to.

519
00:26:23,640 --> 00:26:25,639
Speaker 2: It doesn't mean that if you choose this path it

520
00:26:25,720 --> 00:26:28,440
Speaker 2: has to be the forever path. But I do feel

521
00:26:28,520 --> 00:26:30,720
Speaker 2: like you'd be doing yourself a disservice if you didn't

522
00:26:31,480 --> 00:26:33,840
Speaker 2: take on a new opportunity and try something different and

523
00:26:33,920 --> 00:26:37,960
Speaker 2: get that experience. And like you said, I like that

524
00:26:38,000 --> 00:26:40,600
Speaker 2: you're thinking about your career with the company that you're at.

525
00:26:40,680 --> 00:26:43,280
Speaker 2: You love where you work. I mean, you got this

526
00:26:43,600 --> 00:26:47,280
Speaker 2: great foundation for your life. I think you can afford

527
00:26:47,400 --> 00:26:50,800
Speaker 2: to try something a little bit different, and I would

528
00:26:50,800 --> 00:26:52,480
Speaker 2: say if you and again this goes back to what

529
00:26:52,520 --> 00:26:56,119
Speaker 2: I was saying about crossroads and other career pivoters. When

530
00:26:56,160 --> 00:26:58,320
Speaker 2: you're getting an MBA, I don't want you to wait

531
00:26:59,000 --> 00:27:01,720
Speaker 2: until you get that degree to then start looking for

532
00:27:01,840 --> 00:27:04,800
Speaker 2: other opportunities. This could be a great way for you

533
00:27:04,960 --> 00:27:08,320
Speaker 2: to get some project management experience while pursuing your MBA

534
00:27:08,480 --> 00:27:10,280
Speaker 2: and then when you graduate, you don't have to go

535
00:27:11,040 --> 00:27:13,119
Speaker 2: find a job if you want to do project management

536
00:27:13,200 --> 00:27:16,040
Speaker 2: work and start from scratch, like they can say, well,

537
00:27:16,080 --> 00:27:17,840
Speaker 2: you've got this great MBA, but do you have any

538
00:27:17,920 --> 00:27:22,760
Speaker 2: project managements experience, because that is what very narrow minded

539
00:27:22,800 --> 00:27:25,440
Speaker 2: recruiters and hiring managers will do when they get resumes.

540
00:27:25,840 --> 00:27:28,600
Speaker 2: But you can have that experience, you know, on your resume,

541
00:27:28,960 --> 00:27:32,240
Speaker 2: and that can be not only, you know, a way

542
00:27:32,320 --> 00:27:35,879
Speaker 2: to make you a more attractive candidate, but it can

543
00:27:35,960 --> 00:27:39,000
Speaker 2: also give you an opportunity to make connections with people,

544
00:27:39,119 --> 00:27:43,520
Speaker 2: build relationships through your program, you know, with hiring managers

545
00:27:43,560 --> 00:27:47,040
Speaker 2: recruiters that can serve you down this you know, long

546
00:27:47,280 --> 00:27:52,159
Speaker 2: fruitful career that you're you know, building for yourself. So

547
00:27:52,440 --> 00:27:54,600
Speaker 2: I just want to give you permission to try it

548
00:27:54,680 --> 00:27:58,000
Speaker 2: out and see what happens. Hopefully your partner, your wife

549
00:27:58,320 --> 00:28:02,920
Speaker 2: agrees with me because she's in this too. Yeah, and

550
00:28:03,640 --> 00:28:05,480
Speaker 2: whatever you do, even though you're you know it would

551
00:28:05,480 --> 00:28:08,639
Speaker 2: be a pay cut. I know you acknowledge that. But

552
00:28:08,960 --> 00:28:12,400
Speaker 2: time is something you just can't get back. And having

553
00:28:12,720 --> 00:28:18,920
Speaker 2: just white knuckled my way through seven months without consistent childcare,

554
00:28:19,800 --> 00:28:22,159
Speaker 2: I wouldn't recommend it, but I kept doing it. I

555
00:28:22,240 --> 00:28:28,200
Speaker 2: don't know why. It's it's hard, but you have to

556
00:28:28,440 --> 00:28:30,480
Speaker 2: like what I think about the time is I'm not

557
00:28:30,600 --> 00:28:32,800
Speaker 2: going to get an opportunity like this again to be

558
00:28:32,960 --> 00:28:35,720
Speaker 2: around my newborn, my baby, my infant, and my and

559
00:28:35,880 --> 00:28:38,800
Speaker 2: be there for drop off and pick up with my son.

560
00:28:39,000 --> 00:28:42,320
Speaker 2: And although homeboy I just told dad today his dad

561
00:28:42,360 --> 00:28:45,120
Speaker 2: I was like my husband, I was like, We're gonna

562
00:28:45,280 --> 00:28:47,880
Speaker 2: add an hour to Rio's pickup time because I'm really

563
00:28:48,000 --> 00:28:51,120
Speaker 2: enjoying this be at home. He got mommy at four pm,

564
00:28:51,240 --> 00:28:56,200
Speaker 2: but let's try five. But anyway, that time is really great,

565
00:28:56,360 --> 00:28:58,880
Speaker 2: and your kids will change, Your kids will grow, they're

566
00:28:58,920 --> 00:29:00,840
Speaker 2: going to need you less and then maybe you can

567
00:29:00,920 --> 00:29:03,479
Speaker 2: change your schedule according to that. But yeah, I love

568
00:29:03,560 --> 00:29:05,640
Speaker 2: what Tiff you said about like building the career around

569
00:29:05,640 --> 00:29:08,160
Speaker 2: the life that you have now and just know that

570
00:29:08,400 --> 00:29:11,360
Speaker 2: it can change. You're in charge of it, so you

571
00:29:11,520 --> 00:29:14,680
Speaker 2: can change, you know, you change your mind down the

572
00:29:14,720 --> 00:29:16,520
Speaker 2: line and make a different choice depending on what your

573
00:29:16,560 --> 00:29:19,400
Speaker 2: family needs and what you need moving forward.

574
00:29:20,120 --> 00:29:22,240
Speaker 1: But life goes by in such a flash, you know,

575
00:29:23,160 --> 00:29:27,080
Speaker 1: like literally, did you see the Kevi on stage? He

576
00:29:27,240 --> 00:29:29,240
Speaker 1: was like, because I guess his son is going to college.

577
00:29:29,480 --> 00:29:32,240
Speaker 1: He was like the baby, you know, lifts their head,

578
00:29:32,560 --> 00:29:35,560
Speaker 1: holds their bottle, burps, crawls, and then they're in college.

579
00:29:35,640 --> 00:29:37,400
Speaker 1: You're like, what the hell don't say that.

580
00:29:37,720 --> 00:29:41,680
Speaker 2: I'm in an ongoing argument with Mario with my oldest

581
00:29:41,680 --> 00:29:44,440
Speaker 2: who's four, is you're not going to grow up. I'm like,

582
00:29:44,560 --> 00:29:47,560
Speaker 2: I'm not letting you eat vegetables, have some candy. I'm

583
00:29:47,600 --> 00:29:49,440
Speaker 2: not letting you grow up. Here's the candy. You want,

584
00:29:49,520 --> 00:29:51,160
Speaker 2: junk food, Here you go, French fries. You're not going

585
00:29:51,200 --> 00:29:54,560
Speaker 2: to get any bigger with these. It works. You're like, no, mommy,

586
00:29:54,720 --> 00:29:56,800
Speaker 2: I have you know, I have to grow up.

587
00:29:56,880 --> 00:29:58,320
Speaker 1: You know I have to get bigger.

588
00:29:59,120 --> 00:30:01,000
Speaker 2: Oh man, I'm like, so.

589
00:30:01,080 --> 00:30:03,200
Speaker 1: You really want to lean in and enjoy, you know,

590
00:30:03,480 --> 00:30:06,880
Speaker 1: and then yeah, because one day, you know, your kid

591
00:30:07,040 --> 00:30:10,560
Speaker 1: is a teenager and then older and growing, and so no,

592
00:30:10,680 --> 00:30:13,480
Speaker 1: I just think that, yeah, I mean, and that's just

593
00:30:13,640 --> 00:30:15,480
Speaker 1: advice for everyone. And this is the advice I'm trying

594
00:30:15,560 --> 00:30:18,640
Speaker 1: my heart is to lean into myself, is to determine

595
00:30:18,640 --> 00:30:21,040
Speaker 1: the life that I want and to make everything else

596
00:30:21,080 --> 00:30:24,080
Speaker 1: fit professionally, to make it fit, you know sometimes, you know,

597
00:30:24,240 --> 00:30:26,920
Speaker 1: obviously you have to make some concessions, and that's normal,

598
00:30:27,320 --> 00:30:30,000
Speaker 1: you know, but I don't want to be led by

599
00:30:30,240 --> 00:30:33,000
Speaker 1: the business and the career and the you know, like

600
00:30:33,080 --> 00:30:35,520
Speaker 1: that that's the only place I make decisions from. I've

601
00:30:35,560 --> 00:30:39,360
Speaker 1: done that, and although it's led to certainly a significant

602
00:30:39,360 --> 00:30:42,200
Speaker 1: amount of success, but also a significant amount of stress.

603
00:30:43,280 --> 00:30:45,560
Speaker 1: You know, I always think to myself, like, you know,

604
00:30:45,800 --> 00:30:48,560
Speaker 1: you want success, but how will it meet you healthy,

605
00:30:48,680 --> 00:30:53,320
Speaker 1: happy whole or stressed, like not even able to enjoy it,

606
00:30:53,760 --> 00:30:55,960
Speaker 1: not being able to even physically enjoy it because you're

607
00:30:55,960 --> 00:30:58,760
Speaker 1: in such a bad state. And so, yeah, so we

608
00:30:58,840 --> 00:31:01,680
Speaker 1: wish you well, Budget Bro. You know, Bro, any other

609
00:31:01,760 --> 00:31:02,520
Speaker 1: bros you can write it.

610
00:31:02,800 --> 00:31:05,920
Speaker 2: Don't asked her a little club.

611
00:31:07,240 --> 00:31:08,680
Speaker 1: You and Kevin listen, you.

612
00:31:08,720 --> 00:31:10,880
Speaker 2: Know, when my bat Budget Bro found out about us

613
00:31:10,920 --> 00:31:13,320
Speaker 2: the same way Kevin did, probably just like being in

614
00:31:13,400 --> 00:31:17,360
Speaker 2: the car while his wife was listening to Brown Ambition Smart.

615
00:31:17,520 --> 00:31:18,600
Speaker 2: I know you guys are listening.

616
00:31:18,800 --> 00:31:20,600
Speaker 1: I know you are right.

617
00:31:20,760 --> 00:31:20,880
Speaker 2: You know.

618
00:31:20,960 --> 00:31:22,600
Speaker 1: It's like when guys watched like you know, you're like

619
00:31:22,680 --> 00:31:24,920
Speaker 1: your show with you. I know it was he was.

620
00:31:25,240 --> 00:31:28,080
Speaker 2: He was bopping his head to the Taylor Swift concert.

621
00:31:29,280 --> 00:31:33,200
Speaker 1: And then when used to be like, wait, so what happened?

622
00:31:33,240 --> 00:31:35,120
Speaker 1: I love and hip hop? That's crazy, but I thought

623
00:31:35,160 --> 00:31:38,280
Speaker 1: he didn't watch. No, I'm just saying. And then work

624
00:31:38,280 --> 00:31:39,880
Speaker 1: where people talked about it, he would trying to get

625
00:31:39,960 --> 00:31:42,520
Speaker 1: like updates like okay, so wait what happened? I'm like,

626
00:31:42,800 --> 00:31:44,240
Speaker 1: who are you trying to impress? That work?

627
00:31:44,360 --> 00:31:45,440
Speaker 2: So you have to know?

628
00:31:47,640 --> 00:31:51,240
Speaker 1: Oh yeah. So all right, y'all, this is the b

629
00:31:51,360 --> 00:31:53,360
Speaker 1: a q A and we hope that you enjoyed it,

630
00:31:53,400 --> 00:31:55,640
Speaker 1: and certainly you can slide into our d MS on

631
00:31:56,160 --> 00:32:01,600
Speaker 1: IG questions Brown Vision Podcast. Please share. You know this

632
00:32:01,760 --> 00:32:05,480
Speaker 1: is the year of sharing. If you love Brown and Bishen,

633
00:32:05,520 --> 00:32:08,120
Speaker 1: and we know that you do, don't keep it to yourself.

634
00:32:08,440 --> 00:32:12,120
Speaker 1: Shared this episode. If you ever hear a question that's answered,

635
00:32:12,120 --> 00:32:13,880
Speaker 1: you're like, my best friend just asked me about that,

636
00:32:14,320 --> 00:32:18,840
Speaker 1: Share it with him her, want to review, Yes, we

637
00:32:18,880 --> 00:32:19,840
Speaker 1: don't want to be a best cap.

638
00:32:19,840 --> 00:32:24,240
Speaker 2: Secrets any Christmas gifts so holiday gifts. So the best

639
00:32:24,320 --> 00:32:26,440
Speaker 2: gift you can give us is your love and a

640
00:32:26,600 --> 00:32:31,240
Speaker 2: rating and a review on Apple Podcasts and like Tiffany said,

641
00:32:31,280 --> 00:32:34,320
Speaker 2: share it. Tig Us spread the Love eight years and

642
00:32:34,400 --> 00:32:35,600
Speaker 2: still going, baby, I know.

643
00:32:37,360 --> 00:32:40,760
Speaker 1: Love, I go until next week? Bye bye?

644
00:32:41,200 --> 00:32:42,200
Speaker 2: How do we in the show again?

645
00:32:43,200 --> 00:32:44,320
Speaker 1: Just bye bye,