WEBVTT - Time Is Something You Can't Get Back (BA Q&A) 0:00:03.520 --> 0:00:07.200 It's time for the b a q a a to 0:00:07.320 --> 0:00:10.360 b a q a, which is the b a q 0:00:10.560 --> 0:00:17.000 a mand the b q ai b q a a a. 0:00:17.400 --> 0:00:22.520 Mandy back in the soupy New Year, New Years. Don't 0:00:22.480 --> 0:00:24.119 you hate New Years? 0:00:25.160 --> 0:00:29.360 I don't because I'm a Southern gal. And that's if 0:00:29.360 --> 0:00:30.800 you add an ask to the end, it means that 0:00:30.840 --> 0:00:31.600 you like it more. 0:00:31.760 --> 0:00:34.440 Okay, Aldis, Walmart. 0:00:34.320 --> 0:00:40.680 Belks, Kroger's and whatever. I'm very excited to be back 0:00:40.760 --> 0:00:44.120 for b a q a and just makes me feel 0:00:44.159 --> 0:00:45.880 connected to our BA fan so much. 0:00:46.320 --> 0:00:49.159 Yes, if you have questions that needs some answers, know 0:00:49.320 --> 0:00:53.040 this that we are not your attorneys. We're not your doctor, 0:00:53.680 --> 0:00:56.960 we're not your mechanic, we're not even your mama cousin. 0:00:57.080 --> 0:01:02.400 But we are your favorite beautiful brown internet besties who 0:01:02.640 --> 0:01:05.200 are pretty smart. And although we are smart, we want 0:01:05.200 --> 0:01:07.280 you to take our advice with a small sprain of 0:01:07.280 --> 0:01:09.360 salt and then lean into the people that you pay 0:01:09.440 --> 0:01:12.600 for advice. Okay, it's for entertainment purposes. 0:01:13.480 --> 0:01:16.160 Absolutely, And speaking of BA fan, I have to shut 0:01:16.160 --> 0:01:18.360 out the listener who recognized me at the Atlanta airport 0:01:18.520 --> 0:01:25.399 and it's usually Tiffany, but she was so nice and 0:01:25.440 --> 0:01:27.440 I forgot her name because I was really stressed at 0:01:27.440 --> 0:01:30.720 that time. She reached out right after the TSA security. 0:01:30.800 --> 0:01:32.600 If you go through the TSA with two children, you 0:01:32.600 --> 0:01:36.640 know you're a little haggard. But anyway, that was so sweet. Hi, 0:01:37.319 --> 0:01:38.679 if you're listening, so. 0:01:38.640 --> 0:01:40.280 But if you have questions honest, so, you can go 0:01:40.280 --> 0:01:43.240 to Brownambition podcast dot com. There's like a like a 0:01:43.280 --> 0:01:46.360 contact us button there, slide into the d MS on IG, 0:01:46.680 --> 0:01:49.960 Brown and bish and podcasts the BA podcast on Twitter. 0:01:50.000 --> 0:01:52.680 You could tweet us or email us at Brown and 0:01:52.720 --> 0:01:54.600 Bichon Podcasts at gmail dot com. 0:01:55.520 --> 0:01:57.880 I'm ready. I'm kind of ready to say just go 0:01:58.000 --> 0:02:01.680 to IG. I'm ready to get them fewer options. Hi, 0:02:02.480 --> 0:02:06.000 are you should we just open or should we decided. 0:02:05.720 --> 0:02:07.560 That we can decided that you can slid to our 0:02:07.640 --> 0:02:08.640 DMS on IG. That's what the. 0:02:08.760 --> 0:02:13.320 DMS is the best. Yeah, ig ran Ambission Podcast on IG. 0:02:13.720 --> 0:02:18.400 It's easy, it's one thing to remember and our admin 0:02:18.680 --> 0:02:20.639 Lauda will appreciate them. Yeah. 0:02:21.760 --> 0:02:25.120 Alright, So first question, we're gonna actually do a mix up, 0:02:25.320 --> 0:02:28.720 so we answer career questions, business questions, money questions. I'm 0:02:28.760 --> 0:02:30.760 gonna read this money question, but I think mand, do 0:02:30.800 --> 0:02:32.000 you have a career question today? 0:02:32.160 --> 0:02:33.919 I do a very juicy one. I'm very excited. 0:02:33.960 --> 0:02:39.639 Okay, So this is from a queen over on ig Hello, ladies, 0:02:39.800 --> 0:02:42.160 I am desperate for some advice. I have some credit 0:02:42.240 --> 0:02:45.880 card debt that is making me lose sleep. My husband 0:02:45.880 --> 0:02:49.560 and I have not are and I have not are 0:02:49.639 --> 0:02:51.960 not making enough money. I've not been making enough money, 0:02:52.360 --> 0:02:56.040 and sometimes we spend too much. I'm wondering if we 0:02:56.120 --> 0:03:00.200 should save from our third checks. I'm not really what 0:03:00.280 --> 0:03:03.480 she means by that, or pay down the credit card 0:03:03.560 --> 0:03:08.600 debts that now have exorbited interest rates. Okay, she's wondering 0:03:08.639 --> 0:03:11.120 if she should save or pay down debt. Okay. Paying 0:03:11.160 --> 0:03:14.440 the debt now though, would mean we would have to 0:03:14.560 --> 0:03:17.919 use our credit card to pay down on a used 0:03:17.960 --> 0:03:21.400 car next year. We're trying to get a second job. Okay. 0:03:21.480 --> 0:03:24.880 So queen, it's sounding like one, you have a lot 0:03:25.000 --> 0:03:26.880 of credit card debt that is stressing you out. 0:03:28.400 --> 0:03:28.560 Too. 0:03:29.320 --> 0:03:31.519 It sounds like you feel like you might not be 0:03:31.600 --> 0:03:35.080 making enough money, and you have this car lease that's 0:03:35.200 --> 0:03:39.080 up next year, and you're wondering should you save because 0:03:39.080 --> 0:03:40.680 you have to get another car when this car lease 0:03:40.800 --> 0:03:42.640 goes up, or should you put that money toward the 0:03:42.720 --> 0:03:46.600 credit card debt because you feel like, if I put 0:03:46.640 --> 0:03:48.240 down the money on this credit card debt, we don't 0:03:48.240 --> 0:03:50.200 have enough money to save. We're still going to have 0:03:50.200 --> 0:03:51.960 to get in the debt to buy a car. That's 0:03:52.000 --> 0:03:57.160 what it's all sounding like. Okay, so queen, first things first, 0:03:57.640 --> 0:04:00.200 it sounds like, and this is no judgment, that some 0:04:00.600 --> 0:04:03.280 of to your own admission, the credit card debt that 0:04:03.360 --> 0:04:05.560 you find yourself in is not for just day to 0:04:05.640 --> 0:04:09.880 day living, you know, because you share that like you've 0:04:09.960 --> 0:04:13.960 kind of like overspent, you know, and that happens, you 0:04:14.000 --> 0:04:19.000 know sometimes, you know, we don't always exercise the full 0:04:19.040 --> 0:04:21.240 control that we have over our credit cards. So it 0:04:21.279 --> 0:04:23.640 sounds like you might need to just say, you know, 0:04:23.720 --> 0:04:25.560 we need to cut out the usage of these credit 0:04:25.560 --> 0:04:28.040 cards because it's gonna be very difficult to pay off 0:04:28.080 --> 0:04:30.680 credit cards if we are if you're currently using those 0:04:30.680 --> 0:04:33.520 credit cards. So unless you're using credit cards for like 0:04:33.640 --> 0:04:38.600 necessities like groceries or medicine or things you absolutely need, 0:04:38.839 --> 0:04:40.960 and I probably, honestly you will cut my credit cards up. 0:04:41.680 --> 0:04:43.520 I would go as far as to call a credit 0:04:43.560 --> 0:04:46.280 card company to say lost my card or would like 0:04:46.360 --> 0:04:48.240 for you to change the number on my credit card 0:04:48.440 --> 0:04:50.400 so they're not saved on your computer and your phone 0:04:50.440 --> 0:04:51.560 like I'm sure they are currently. 0:04:51.720 --> 0:04:52.680 Oh that's smart. 0:04:53.080 --> 0:04:56.200 Yeah, that's what I need to do, because lord knows, 0:04:56.240 --> 0:04:57.920 we all have to say it's just right there, chat 0:04:59.360 --> 0:05:02.720 don't another numbers log in? 0:05:03.160 --> 0:05:05.240 Well, yes, thank you for real. 0:05:06.160 --> 0:05:08.320 So that's one. I definitely would like, you know, to 0:05:08.400 --> 0:05:10.840 stop credit card usage if it's possible, if you're if 0:05:10.880 --> 0:05:12.600 you're not using it for things that are necessary. 0:05:12.680 --> 0:05:13.160 So that's one. 0:05:13.839 --> 0:05:20.120 Two. Although you know savings, you know is great. Unfortunately 0:05:20.760 --> 0:05:23.520 I'm assuming when you said exorbitant interest rates and you 0:05:23.640 --> 0:05:28.080 have double dishes interest rates. So whenever you're deciding whether 0:05:28.160 --> 0:05:30.640 to save or pay down debt, one of the things 0:05:30.680 --> 0:05:34.040 that should lead that decision is where what does the 0:05:34.160 --> 0:05:36.920 interest look like? So if you put your money and 0:05:37.080 --> 0:05:39.839 you save it into a savings account, the most interest 0:05:39.839 --> 0:05:42.000 you're probably gonna earn right now is like what four percent, 0:05:42.160 --> 0:05:45.200 give or take. But you're I'm sure your interest rates 0:05:45.240 --> 0:05:48.159 for your credit card debt twenty maybe even thirty percent. 0:05:49.000 --> 0:05:52.320 So if the credit cards are costing you twenty percent 0:05:52.880 --> 0:05:55.680 and savings is only going to make you four percent, 0:05:56.240 --> 0:05:58.320 then you're probably gonna want to put more money toward 0:05:58.360 --> 0:06:01.200 paying down that debt because it's costing you. It's that 0:06:01.360 --> 0:06:05.120 that is so expensive that it's costing you whatever savings 0:06:05.160 --> 0:06:08.440 you would have saved. So I would focus most of 0:06:08.600 --> 0:06:11.920 my time and energy, certainly set aside a little something 0:06:12.240 --> 0:06:15.200 for emergencies, but most like if I had one hundred dollars, 0:06:15.480 --> 0:06:18.080 I might do like twenty dollars savings eighty dollars credit 0:06:18.160 --> 0:06:21.840 card debt, that kind of like mix, because your credit 0:06:21.880 --> 0:06:23.840 card debt is just costing you so so, so so 0:06:24.000 --> 0:06:28.120 so much, and getting a second job, you know, might 0:06:28.200 --> 0:06:29.840 not be a bad idea. But before you get a 0:06:29.880 --> 0:06:31.440 second job, I want you to sit down and look 0:06:31.480 --> 0:06:34.400 at your budget to see, like do we actually make 0:06:34.560 --> 0:06:36.320 enough to cover what we need to cover? Because I 0:06:36.320 --> 0:06:38.800 would hate for you to take on additional work when 0:06:38.920 --> 0:06:41.520 really it's a matter of budgeting, you know. So I 0:06:41.520 --> 0:06:44.159 would sit down and look at my budget and ask myself, like, okay, 0:06:44.720 --> 0:06:48.080 like the amount of money that we're making, you know, 0:06:48.200 --> 0:06:50.440 based upon like what we have to spend to maintain 0:06:50.480 --> 0:06:52.480 our lives, there's actually enough money here, it might be, 0:06:52.880 --> 0:06:54.960 and if not, then certainly you can look at you know, 0:06:56.440 --> 0:06:59.640 looking at additional income. And then my last final thing 0:06:59.760 --> 0:07:02.159 is is that, like I shared this on the Wednesday show, 0:07:02.320 --> 0:07:05.920 is that this year I have my annual Live with 0:07:06.040 --> 0:07:10.360 Your Challenge. It starts January fourteenth, but sign up for 0:07:10.480 --> 0:07:14.400 the free challenge ends January. No, it starts January fifteenth, Monday, 0:07:14.800 --> 0:07:18.360 but sign up end January fourteenth. And so I encourage 0:07:18.360 --> 0:07:21.800 you and anybody who has any credit issues, Queen, to 0:07:21.920 --> 0:07:27.000 go to l r C Credit LRC credits dot com 0:07:27.400 --> 0:07:29.360 and sign up for the challenge. We already have three 0:07:29.440 --> 0:07:32.400 hundred thousand people plus signed up. You will not be alone. 0:07:32.520 --> 0:07:35.160 There will be other people struggling with credit. Week one 0:07:35.320 --> 0:07:39.680 you learn how is your credit even calculated? Week two 0:07:40.160 --> 0:07:43.880 how to grow and your credit score, and week three 0:07:43.960 --> 0:07:46.000 how to maintain credit so you never find yourself in 0:07:46.040 --> 0:07:49.520 this position again. It's totally free. It's a three week 0:07:49.640 --> 0:07:52.040 like email course. It comes with an app that's free 0:07:52.080 --> 0:07:56.120 as well that we just built. And so I think 0:07:56.160 --> 0:07:58.520 that's going to help you as you navigate your credit journey, 0:07:58.560 --> 0:08:00.440 so you find yourself not in this business sit again. 0:08:00.880 --> 0:08:02.920 So LRC credit dot com. The link will be in 0:08:02.960 --> 0:08:05.760 the show notes. But I wish you well clean anything 0:08:05.800 --> 0:08:07.920 I forgot Mandy, get. 0:08:07.840 --> 0:08:10.600 Thee to the library and get Tiffany's book and her work. 0:08:10.640 --> 0:08:12.480 But your work book going to be in the library. 0:08:13.120 --> 0:08:14.640 Yeah, wadeholes in the library too. 0:08:15.520 --> 0:08:17.320 You know. When I'm writing at my library, I just 0:08:17.560 --> 0:08:20.560 I work on the ninth non fiction floor or near 0:08:20.680 --> 0:08:22.600 that section, and I just stroll over to the business 0:08:22.640 --> 0:08:26.680 section sometimes and I say, Hi, Tiv, really you in 0:08:26.720 --> 0:08:27.200 the library. 0:08:28.160 --> 0:08:30.400 I used to live in the library as a kid, Like, yeah, 0:08:31.200 --> 0:08:31.600 go back. 0:08:31.840 --> 0:08:38.040 Libraries are are amazing. Yeah. My thing is with the 0:08:38.120 --> 0:08:41.280 car and credit card debt at this at the end 0:08:41.280 --> 0:08:42.840 of the day, even though it makes sense on paper 0:08:42.920 --> 0:08:44.640 to paid on credit card debt and that sounds good 0:08:44.679 --> 0:08:46.280 and save and all that, but you need a good car, 0:08:46.480 --> 0:08:50.640 you know, so especially like you know, most working people, 0:08:50.760 --> 0:08:53.079 the car is the in this country. It's like the 0:08:53.200 --> 0:08:55.800 way to get to the money, to the opportunity to 0:08:55.840 --> 0:08:58.440 make the money. So I would just say, make sure 0:08:58.480 --> 0:09:03.640 you're getting saved transportation. And sometimes safety comes before logic 0:09:04.000 --> 0:09:07.959 and credit card bills, you know. And if you're in 0:09:08.040 --> 0:09:10.800 a situation where you might need to like consolidate debt 0:09:10.880 --> 0:09:12.520 if it's too much, if you're in over your head, 0:09:13.160 --> 0:09:15.199 you know, look for ways to consolidate debt, do a 0:09:15.280 --> 0:09:18.559 balanced transfer to make it a little bit less cumbersome, 0:09:18.679 --> 0:09:22.319 make it less stressful, less expensive, help you kind of 0:09:22.360 --> 0:09:25.760 tackle it. But you gotta. Yeah, Like I agree with Tiff, 0:09:25.880 --> 0:09:27.880 and I think the thing with budgeting that's so scary 0:09:27.920 --> 0:09:30.360 when you have that kind of debt is like emptying 0:09:30.400 --> 0:09:32.640 out the drawer and looking at all the stuff that's 0:09:32.640 --> 0:09:35.760 in it. Ooof I think, yeah, that's that's gonna be 0:09:35.760 --> 0:09:38.079 the hard part. But lock arms with your partner and 0:09:38.160 --> 0:09:40.160 do it together, because you ain't going to get out 0:09:40.160 --> 0:09:42.120 of this you're doing it. You're getting into the hole together, 0:09:42.200 --> 0:09:43.959 but you're not going to get out without being together 0:09:44.840 --> 0:09:48.160 if you're not both on the same page. So I 0:09:48.280 --> 0:09:51.120 wish you so much luck and thank you that question 0:09:51.280 --> 0:09:51.679 real quick. 0:09:51.760 --> 0:09:57.480 So the National Foundation of Credit Counseling n FCC dot org. 0:09:58.160 --> 0:10:01.000 They're a great nonprofit that help walk people through, like 0:10:01.080 --> 0:10:05.040 if you really the extra extra handholding, consider them as well. 0:10:05.120 --> 0:10:08.680 They have nonprofit partners around the country, So you would 0:10:08.679 --> 0:10:12.200 go to NFCC dot org and you would find one 0:10:12.360 --> 0:10:14.760 in the closest area to you. So if you kind 0:10:14.800 --> 0:10:16.720 of need to sit with a credit counselor that you'll 0:10:16.720 --> 0:10:17.800 be you know you'll be able to work with a 0:10:17.840 --> 0:10:20.480 credit counselor there too. So good luck to you, queen. 0:10:21.920 --> 0:10:24.360 Thank you, queen. Should we take a quick break and 0:10:24.480 --> 0:10:26.960 be right back with my You're gonna love this question, 0:10:29.720 --> 0:10:35.200 see you one of it. Okayba fan, we are back 0:10:35.280 --> 0:10:37.520 and I am so excited to give you guys an update. 0:10:37.559 --> 0:10:39.520 If you've been listening to the show the last I 0:10:39.559 --> 0:10:42.160 don't know a few months, you might have heard back 0:10:42.240 --> 0:10:44.240 in the fall when we took a question from someone 0:10:44.280 --> 0:10:47.160 who wanted to be anonymous that we called her Crossroads. 0:10:47.720 --> 0:10:51.800 At the time, Crossroad was looking for a job for 0:10:52.080 --> 0:10:55.000 over a year and said that she left her full 0:10:55.040 --> 0:11:00.280 time job due to racial incidents, you know, proliferate by 0:11:00.320 --> 0:11:03.360 her supervisor. Is that the right word? Proliferiding man done? 0:11:03.920 --> 0:11:08.439 Her supervisor was racist, and colleagues left her feeling unsafe. 0:11:09.080 --> 0:11:11.520 She had over a decade of full time work experience 0:11:12.600 --> 0:11:16.160 and currently yeah, and currently she's a full time PhD 0:11:16.320 --> 0:11:19.599 student and she's been working as a graduate assistant to 0:11:19.679 --> 0:11:22.640 make ends meet. Now she's getting back into the job 0:11:22.720 --> 0:11:27.160 market and feeling like not only is she having trouble 0:11:27.240 --> 0:11:30.880 getting an offer, but because she's you know, a PhD 0:11:31.120 --> 0:11:34.080 graduate assistant. She's finding the pay is not matching her 0:11:34.200 --> 0:11:38.840 level of experience, and she was really trying to find 0:11:38.880 --> 0:11:42.040 a position. So her ultimate question is that should she 0:11:42.320 --> 0:11:45.880 find roles in her current field, the field that she 0:11:46.080 --> 0:11:49.320 had left because of the toxicity, or make a career 0:11:49.400 --> 0:11:54.959 switch and rebuild. Now we're in the future now and 0:11:55.240 --> 0:11:58.719 Crossroads sent me an update. First, she said thank you 0:11:58.880 --> 0:12:01.439 to our advice. I guess we responded to two of 0:12:01.480 --> 0:12:04.480 her questions, and she says, I took your advice and 0:12:04.559 --> 0:12:07.880 I leaned into my network as I hadn't for quite 0:12:07.960 --> 0:12:12.160 some time in my search. To my surprise, well, a 0:12:12.240 --> 0:12:14.559 lot of folks didn't know I was looking for a 0:12:14.679 --> 0:12:17.360 job since I'm still in school. They were very helpful 0:12:17.880 --> 0:12:21.240 and I yielded several leads. I landed an interim role 0:12:21.400 --> 0:12:24.360 in a different field that lasted for two months through 0:12:24.400 --> 0:12:26.800 the end of this year twenty twenty three. It was 0:12:26.840 --> 0:12:29.000 a great opportunity. I learned a lot in a short 0:12:29.000 --> 0:12:32.440 period of time, and it even sparked an entrepreneurial flame 0:12:32.800 --> 0:12:34.959 that I planned to invest in within the coming year. 0:12:35.520 --> 0:12:38.880 Twenty twenty four. Now has come with a bang, I receive. 0:12:39.800 --> 0:12:43.280 I have received two job offers within the first days, 0:12:43.400 --> 0:12:45.839 first few days of the new year. Both are what 0:12:45.960 --> 0:12:50.199 I specifically prayed for, and I'm immensely grateful. My experience 0:12:50.320 --> 0:12:52.679 on the long term job search has taught me so 0:12:52.800 --> 0:12:55.480 much about myself and given me clarity on my career 0:12:55.520 --> 0:12:58.200 path moving forward. Thank you so much for both your 0:12:58.240 --> 0:13:01.160 answers and support for AFAR. You made me feel seen 0:13:01.320 --> 0:13:04.160 and understood during a time when I felt just the opposite. 0:13:04.720 --> 0:13:07.520 May God continue to bless you both. Your work on 0:13:07.640 --> 0:13:11.120 Brown Ambition is a ministry. This is the best part. 0:13:11.280 --> 0:13:13.959 Signed no longer at a crossroad. 0:13:14.040 --> 0:13:17.160 Oh my gosh, make me cry. That is the best. 0:13:17.640 --> 0:13:22.480 Oh, it's the best. And I just love stories like 0:13:22.559 --> 0:13:26.480 this because the long road does have an end, you 0:13:26.520 --> 0:13:27.960 know what I mean. She was looking for a job 0:13:28.040 --> 0:13:30.120 for so long. A lot of people are, especially when 0:13:30.120 --> 0:13:32.720 you're especially when you're at a certain level in your 0:13:32.760 --> 0:13:35.920 career where what you're looking for is rarer. And that's 0:13:35.960 --> 0:13:38.360 what I have to tell people, like, just expectations. It's 0:13:38.400 --> 0:13:42.520 going to take a while, but that's just thank you. 0:13:42.720 --> 0:13:45.439 I'm so proud of you. Yeah, so proud of you. 0:13:45.800 --> 0:13:48.160 So is that normal? Because I had a friend who 0:13:49.000 --> 0:13:53.240 got his masters, super smart you know, had great jobs 0:13:54.800 --> 0:13:57.680 and then it took six months. They were like, wait, 0:13:57.800 --> 0:13:59.679 what's going on? So is that like that's not even 0:13:59.720 --> 0:14:01.839 that bad really because I was going to say that, 0:14:02.400 --> 0:14:04.640 you know before you know, prior to this, you know, 0:14:04.720 --> 0:14:08.280 three four months maybe, but like, so is that typical 0:14:08.400 --> 0:14:10.320 that kind of like the higher you get in your career, 0:14:10.440 --> 0:14:13.840 the more education you get, that like replacing that job 0:14:13.960 --> 0:14:16.360 that you're seeing people take six months or longer to 0:14:16.440 --> 0:14:17.200 find replacement. 0:14:17.679 --> 0:14:20.040 Yeah, I mean, I don't want to paint with a 0:14:20.080 --> 0:14:22.680 broad brush, but I would say if you are someone 0:14:22.760 --> 0:14:27.920 who's yes, you have a particular skill set, and you know, 0:14:28.000 --> 0:14:30.600 depending on changes by industry, some industries, if you hit 0:14:30.600 --> 0:14:33.440 at the right moment, they're really hiring and jobs are plentiful. 0:14:33.520 --> 0:14:35.680 We kind of all went through that in twenty twenty one, 0:14:36.280 --> 0:14:38.520 and now we're leveling out. The job market is really 0:14:38.560 --> 0:14:40.440 strong right now, but people don't really feel that way 0:14:40.520 --> 0:14:42.640 because it's taking a little bit harder, a little bit 0:14:42.680 --> 0:14:44.480 longer to find job, not a little bit a lot 0:14:44.520 --> 0:14:46.480 of bit longer to find jobs. It feels like there's 0:14:46.480 --> 0:14:49.280 a fewer of them out there, even though job numbers 0:14:49.320 --> 0:14:52.240 are still exceeding expectations and The reason is why this 0:14:52.320 --> 0:14:54.360 is kind of what a normal job market feels like. 0:14:55.320 --> 0:14:57.160 I looked at this data for my book because I'm 0:14:57.200 --> 0:15:00.120 still doing that writing a book, and I think the 0:15:00.480 --> 0:15:03.640 average there's a stat the average. Let me just look 0:15:03.640 --> 0:15:05.360 it up real quick. Okay, so this is a stat 0:15:05.440 --> 0:15:08.800 I just cited in my book coming to a library 0:15:08.840 --> 0:15:11.040 in bookstore near you at some point in the future. 0:15:11.080 --> 0:15:12.920 I don't know, I got to write it first. How 0:15:13.000 --> 0:15:14.720 long it actually takes to find a job is about 0:15:14.800 --> 0:15:19.560 five months? Really, yes, that's on average. Okay, So I 0:15:19.640 --> 0:15:22.360 think it's not to deter people from you know, being 0:15:22.400 --> 0:15:25.320 on the lookout, but this is I do know the trick, 0:15:25.680 --> 0:15:30.880 as Crossroads has found, of speeding up that timeline, working 0:15:30.960 --> 0:15:33.960 your network at all times. And I find that people 0:15:34.000 --> 0:15:36.520 who shelter in school or not shelter in school, but 0:15:36.600 --> 0:15:39.760 they're going back to school, they're getting an MBA, they're 0:15:39.760 --> 0:15:42.640 getting a PhD, they're doing a certificate program. It feels 0:15:42.720 --> 0:15:44.680 like you're doing a thing for your career when you're 0:15:44.720 --> 0:15:47.480 in school and you are, you are elevating your skills, 0:15:47.520 --> 0:15:51.360 you're making yourself more attractive as a job candidate. But 0:15:51.520 --> 0:15:55.080 the worst thing you can do is also not engage 0:15:55.120 --> 0:15:57.880 with your network and keep them engaged. The minute that 0:15:58.080 --> 0:16:01.000 crossroads we just heard from her opened her mouth and 0:16:01.200 --> 0:16:04.840 said to her network, I am looking for work. She 0:16:04.960 --> 0:16:07.440 had a decade of a decade of experience. It's coming 0:16:07.480 --> 0:16:09.080 back to me, not what I said for at the time. Like, 0:16:09.440 --> 0:16:11.960 with a decade of experience, you met so many people 0:16:12.040 --> 0:16:14.960 across that timeline. They need to know that they can 0:16:15.080 --> 0:16:19.200 help you, that you're looking for help. And yeah, so 0:16:19.280 --> 0:16:22.560 I would just say to anyone who's facing or you know, 0:16:22.720 --> 0:16:25.920 thinking about quitting or pivoting into a new field, or 0:16:26.720 --> 0:16:30.560 you know you've been let go unfortunately, Yeah, three to 0:16:30.720 --> 0:16:33.360 six months, I feel like is a safe That's why 0:16:33.400 --> 0:16:35.280 they say three to six months of your income save it. 0:16:36.160 --> 0:16:39.200 But if you want the cheat code, the only cheek 0:16:39.200 --> 0:16:40.840 code I can think of when it comes, it ain't 0:16:40.880 --> 0:16:44.240 your resume. It sometimes isn't even the skills that you 0:16:44.320 --> 0:16:48.880 can attain. It is making great relationships over the course 0:16:48.920 --> 0:16:52.320 of your career, investing in them like seeds, seeds that 0:16:52.360 --> 0:16:54.480 you don't plan to sew until you absolutely need it, 0:16:54.680 --> 0:16:55.880 and there's no. 0:16:56.360 --> 0:16:58.680 And that's why he got his job. One of his 0:16:59.080 --> 0:17:03.280 literally like elementary school friends, like was like wait a minute, 0:17:03.320 --> 0:17:06.480 I didn't know, okay, and then put in a good word. 0:17:06.640 --> 0:17:08.680 And you know, because we don't think that, we think that, 0:17:08.880 --> 0:17:10.480 like you know, I apply. 0:17:10.640 --> 0:17:12.720 I think we're all out here working hard. I'm pulling 0:17:12.760 --> 0:17:14.360 ourselves up bootstraps. 0:17:16.240 --> 0:17:18.520 Let's bys yes, people, putting a good word in for 0:17:18.600 --> 0:17:22.200 you is so critical. So yeah, that's I'm so happy crossroads. Honestly, 0:17:22.680 --> 0:17:25.080 and honestly I want to I would love the appam 0:17:25.240 --> 0:17:27.240 if you did that more that if we answer the 0:17:27.359 --> 0:17:29.119 question for you, or even if we didn't answer a 0:17:29.200 --> 0:17:32.240 question directly, let's just say you listened and you heard 0:17:32.280 --> 0:17:35.360 some advice and it applied to your situation. We love 0:17:35.480 --> 0:17:37.760 an update if we answered your questions, or we would 0:17:37.800 --> 0:17:40.720 just love Hey, that thing you told that other person. 0:17:40.840 --> 0:17:42.680 It worked for me too. And here's how, because I 0:17:42.680 --> 0:17:44.879 think it's great for people to hear that you know 0:17:44.960 --> 0:17:47.360 they're not alone, and then you know there is light 0:17:47.480 --> 0:17:50.439 at the end of the tunnel, so every tunnel. 0:17:51.000 --> 0:17:53.920 Okay. I do want to get to this new question 0:17:54.080 --> 0:17:56.119 because I can't wait. I can't wait for your update 0:17:56.240 --> 0:17:58.840 email because this one just made me chuckle. So the 0:17:58.880 --> 0:18:00.520 first thing you got to know is this comes from 0:18:00.560 --> 0:18:03.080 someone who wants us to call him budget Bro. Okay, 0:18:03.320 --> 0:18:08.680 that's right, Tiffany Bro. Budget Bro says, and this, hello ladies. 0:18:08.760 --> 0:18:11.320 He says, I need to get with Kevin and work 0:18:11.359 --> 0:18:14.639 out the details. Lol. If y'all are you know, I 0:18:14.680 --> 0:18:16.600 don't even know if you have to be an OGBA listener, 0:18:16.640 --> 0:18:20.000 but Kevin is our favorite. Kevin was a mail listener, 0:18:20.119 --> 0:18:23.800 I mean, is still a mail listener who We had 0:18:23.880 --> 0:18:25.639 him on the show because he used to write in 0:18:25.680 --> 0:18:29.200 the most incredible questions starting with his wife and his 0:18:29.400 --> 0:18:31.760 advice for her about her career, which we had to 0:18:31.800 --> 0:18:34.400 set him straight on. But I just love that budget 0:18:34.440 --> 0:18:37.680 Bro has listened and wants to be besties with Kevin 0:18:37.880 --> 0:18:40.679 because based on his question, I think they would get 0:18:40.720 --> 0:18:44.440 along just fine. All right, budget Bro says, I'm thirty one. 0:18:45.119 --> 0:18:48.120 I work in the chemical refining industry as an analyst 0:18:48.480 --> 0:18:51.560 at an amazing company in Louisiana. I make about one 0:18:51.680 --> 0:18:54.560 thirty five a year, but I can add twenty k 0:18:54.760 --> 0:18:57.879 to that and make one fifty five, one hundred and 0:18:57.920 --> 0:19:01.000 fifty five thousand dollars a year with overtime. Right now. 0:19:01.080 --> 0:19:04.440 I'm married, we have two toddlers. Oh God, bless I 0:19:04.520 --> 0:19:07.120 don't have any debt aside from student loans. We own 0:19:07.160 --> 0:19:10.120 a home. I'm leaning in, he said. I am leaning 0:19:10.200 --> 0:19:14.160 into my middle aged, suburban dad era and I am excited. Yes, 0:19:14.640 --> 0:19:15.520 I love you, Budge bro. 0:19:16.000 --> 0:19:16.320 He says. 0:19:16.400 --> 0:19:18.440 My site has a specialist role that I applied for. 0:19:18.920 --> 0:19:21.399 It combines my skills as an analyst with more of 0:19:21.480 --> 0:19:24.960 the operations day to day tasks. I'm excited because I 0:19:25.000 --> 0:19:27.800 feel like it's a segue into raising through the rinks 0:19:27.840 --> 0:19:30.359 with the company, and the role that I am in 0:19:30.520 --> 0:19:33.680 now is often seen as a really cushy retirement role, 0:19:33.840 --> 0:19:36.520 so people just don't quit it. This new role is 0:19:36.600 --> 0:19:41.399 in the same department, but it's more than project management side. However, 0:19:42.240 --> 0:19:44.440 this would mean a pay cut to about one hundred 0:19:44.480 --> 0:19:47.600 and twenty thousand dollars and I wouldn't be eligible to 0:19:48.560 --> 0:19:51.359 for overtime. So just to get back with the numbers, 0:19:51.400 --> 0:19:53.639 he's making one thirty five k base. He can get 0:19:53.680 --> 0:19:55.920 up to one fifty five K if he does overtime. 0:19:56.560 --> 0:19:58.520 This would be going down to one hundred and twenty 0:19:58.680 --> 0:20:02.160 k base. But here's the thing about the new role. 0:20:03.080 --> 0:20:06.359 The new role is a four day work week, no nights, 0:20:07.480 --> 0:20:11.440 no weekends. Right now, he's doing shift work, which is 0:20:11.480 --> 0:20:14.720 a mix of days and nights, twelve hour shifts and 0:20:14.840 --> 0:20:17.760 about total about fifteen days a month. So he's going 0:20:17.840 --> 0:20:19.720 to be going from that to a four day work 0:20:19.760 --> 0:20:22.520 week if he takes this pay cut. He got two 0:20:22.560 --> 0:20:26.200 babies at home and two toddlers at home, Okay, he says, 0:20:26.440 --> 0:20:28.600 the money isn't really the issue, as we are living 0:20:28.640 --> 0:20:31.159