1 00:00:05,040 --> 00:00:09,160 Speaker 1: Hey, BA fam, what's up. Welcome to the BAQA where 2 00:00:09,160 --> 00:00:11,639 Speaker 1: we take your questions. And I need you to get 3 00:00:11,720 --> 00:00:16,040 Speaker 1: your salt shakers out because I don't need y'all suing me. Please, 4 00:00:16,280 --> 00:00:18,360 Speaker 1: please don't. I have a lot of big goals for 5 00:00:18,400 --> 00:00:20,640 Speaker 1: Brown Ambition, and none of those involves being the party 6 00:00:20,640 --> 00:00:23,080 Speaker 1: of a lawsuit. Okay, so get your salt shakers out 7 00:00:23,079 --> 00:00:26,680 Speaker 1: because everything I'm saying is infotainment. So I'm giving you 8 00:00:26,760 --> 00:00:33,080 Speaker 1: my opinions. This is not meant to be personalized. Investment, business, career, life, health, wellness. 9 00:00:33,159 --> 00:00:36,360 Speaker 1: Whatever we're talking about not personalized to you in your situation. 10 00:00:37,240 --> 00:00:39,720 Speaker 1: So yeah, take it with a little shake assault. This 11 00:00:39,840 --> 00:00:42,680 Speaker 1: has been an incredible month. I can't believe we're rounding 12 00:00:42,680 --> 00:00:47,240 Speaker 1: out the month of January. The new chapter Brown Ambition 13 00:00:47,720 --> 00:00:51,520 Speaker 1: is in full effect, and y'all have been so supportive, 14 00:00:52,080 --> 00:00:55,279 Speaker 1: continue supporting us. If you can do one thing as 15 00:00:55,280 --> 00:00:58,279 Speaker 1: a BA listener, it would be to share an episode, 16 00:00:58,360 --> 00:01:01,160 Speaker 1: your favorite episode of the show, share it with a friend, 17 00:01:01,400 --> 00:01:05,520 Speaker 1: a colleague, a family member, posts about it on social media. 18 00:01:05,760 --> 00:01:08,200 Speaker 1: Just tell a friend to tell a friend one. One 19 00:01:08,240 --> 00:01:11,160 Speaker 1: thing that women do is we talk. Okay, we talk, 20 00:01:11,360 --> 00:01:13,480 Speaker 1: we share, We put each other on to the things 21 00:01:13,520 --> 00:01:15,800 Speaker 1: that we love. So I hope that Brown Ambition is 22 00:01:15,840 --> 00:01:16,640 Speaker 1: on that list and you. 23 00:01:16,680 --> 00:01:19,720 Speaker 2: Will share it. I don't know if I've talked. 24 00:01:19,520 --> 00:01:22,960 Speaker 1: To y'all about this new tool called Teal, but it 25 00:01:23,000 --> 00:01:27,120 Speaker 1: is my favorite thing in AI right now. Let me 26 00:01:27,120 --> 00:01:29,520 Speaker 1: tell you about Teal, And yes, I will go ahead 27 00:01:29,520 --> 00:01:31,800 Speaker 1: and just say I am an affiliate of Teal. That 28 00:01:31,920 --> 00:01:35,320 Speaker 1: means that if you see any links for Teal, they 29 00:01:35,319 --> 00:01:39,119 Speaker 1: are Brown Ambition links, and we will get we may 30 00:01:39,160 --> 00:01:42,880 Speaker 1: make some money off of those links. But I freaking 31 00:01:42,920 --> 00:01:45,240 Speaker 1: love this tool so much that I was like, I 32 00:01:45,440 --> 00:01:47,640 Speaker 1: talk about y'all anyway, so like, can we get an 33 00:01:47,640 --> 00:01:48,320 Speaker 1: affiliate link? 34 00:01:48,400 --> 00:01:49,280 Speaker 2: So it just makes sense. 35 00:01:49,640 --> 00:01:53,120 Speaker 1: But Teal is an AI resume builder, cover letter maker 36 00:01:53,600 --> 00:01:58,520 Speaker 1: LinkedIn profile juger. It is incredible. If you're someone who 37 00:01:58,680 --> 00:02:01,120 Speaker 1: is searching for a job right now now, and first 38 00:02:01,120 --> 00:02:03,160 Speaker 1: of all, you are applying to all of the jobs 39 00:02:03,200 --> 00:02:05,400 Speaker 1: because the market out here, honey, you need to keep 40 00:02:05,480 --> 00:02:08,400 Speaker 1: all your eggs in all the baskets, right, So you're 41 00:02:08,440 --> 00:02:12,040 Speaker 1: applying to multiple jobs. That means often you have to 42 00:02:12,400 --> 00:02:14,600 Speaker 1: put the same put a different resume because you got 43 00:02:14,760 --> 00:02:17,079 Speaker 1: you got to tailor the resume to the job description. 44 00:02:17,360 --> 00:02:19,480 Speaker 1: You got to write a new cover letter, and you 45 00:02:19,520 --> 00:02:22,240 Speaker 1: can't just copy and paste because if you do, it'll 46 00:02:22,320 --> 00:02:26,519 Speaker 1: just come off generic or it'll come off like inconsiderate. 47 00:02:26,600 --> 00:02:29,480 Speaker 1: And as a former hiring manager myself, I could tell 48 00:02:29,560 --> 00:02:32,400 Speaker 1: when cover letters were just generic versus the ones that 49 00:02:32,440 --> 00:02:34,840 Speaker 1: were tailored to the job description and tailor to the 50 00:02:34,919 --> 00:02:37,640 Speaker 1: kind of company that we were in, the kind of 51 00:02:37,760 --> 00:02:40,560 Speaker 1: role that I was hiring for. So I just told 52 00:02:40,600 --> 00:02:43,360 Speaker 1: the Mandy Moneymaker today. She was like, I'm putting in 53 00:02:43,360 --> 00:02:45,920 Speaker 1: these applications. I need help with the cover letter. Do 54 00:02:45,960 --> 00:02:48,400 Speaker 1: you know any services? And I was like, Teal boo 55 00:02:48,560 --> 00:02:51,800 Speaker 1: Teal because with Teal you can put your resume and 56 00:02:52,080 --> 00:02:53,919 Speaker 1: the job description. So you put the link to the 57 00:02:53,960 --> 00:02:57,160 Speaker 1: job description, or you can find the job description from 58 00:02:57,200 --> 00:02:59,840 Speaker 1: Teal because it has it's connected to all the biggest 59 00:03:00,200 --> 00:03:02,840 Speaker 1: posting sites. It will create a sample cover letter for you, 60 00:03:02,880 --> 00:03:05,200 Speaker 1: so you can go in there after that and tweak it. 61 00:03:05,280 --> 00:03:06,360 Speaker 2: You can change things. 62 00:03:06,400 --> 00:03:07,880 Speaker 1: You can say, oh, I don't really like the way 63 00:03:07,919 --> 00:03:10,040 Speaker 1: you said that, you know, give me a different version 64 00:03:10,120 --> 00:03:12,880 Speaker 1: like this. And because it has the job description, it 65 00:03:12,880 --> 00:03:16,040 Speaker 1: has your resume, it's able to create a cover letter 66 00:03:16,080 --> 00:03:19,280 Speaker 1: that like makes sense. And if you want to personalize 67 00:03:19,280 --> 00:03:21,160 Speaker 1: it by finding the name of the hiring manager. You 68 00:03:21,240 --> 00:03:22,920 Speaker 1: can do that and just come back and pop that 69 00:03:23,000 --> 00:03:25,000 Speaker 1: in there. But the best thing is that it's going 70 00:03:25,080 --> 00:03:28,280 Speaker 1: to simplify the job search process. And y'all know that 71 00:03:28,360 --> 00:03:30,639 Speaker 1: when it comes to searching for jobs, like it is so. 72 00:03:30,520 --> 00:03:31,400 Speaker 2: Stacked against us. 73 00:03:31,480 --> 00:03:35,600 Speaker 1: Right now, everyone's using AI and applicant tracking systems to 74 00:03:35,720 --> 00:03:39,279 Speaker 1: weed through resumes and cover letters. They're looking for the keywords. 75 00:03:39,760 --> 00:03:42,080 Speaker 1: So you know how some people would like copy and 76 00:03:42,120 --> 00:03:44,080 Speaker 1: paste a bunch of keywords from the resus from the 77 00:03:44,160 --> 00:03:47,240 Speaker 1: job description and like put it in their resume or 78 00:03:47,240 --> 00:03:50,120 Speaker 1: their cover letter, but like make sure the font was invisible, 79 00:03:50,160 --> 00:03:52,680 Speaker 1: like it was white so it wouldn't show up, but 80 00:03:52,800 --> 00:03:56,440 Speaker 1: it would be triggering the ats to like recognize their 81 00:03:56,480 --> 00:04:00,640 Speaker 1: resume or their application as highly qualified for the You 82 00:04:00,640 --> 00:04:02,840 Speaker 1: don't have to do that anymore because Teal is going 83 00:04:02,880 --> 00:04:04,840 Speaker 1: to take the job description, going to track all the 84 00:04:04,880 --> 00:04:08,320 Speaker 1: keywords and make sure that it gives you advice on 85 00:04:08,400 --> 00:04:10,600 Speaker 1: how you can update your resume in a way that 86 00:04:10,760 --> 00:04:13,560 Speaker 1: actually will show up for the keywords that are in 87 00:04:13,600 --> 00:04:16,760 Speaker 1: the job description. So I'm a Teal Stan I would 88 00:04:16,839 --> 00:04:18,600 Speaker 1: love y'all to check it out. I want you to 89 00:04:18,640 --> 00:04:20,400 Speaker 1: go to the show notes, or if you're on watching 90 00:04:20,440 --> 00:04:22,640 Speaker 1: on YouTube, I'll post a link in the show notes here. 91 00:04:23,080 --> 00:04:26,159 Speaker 1: So love my teal, let them know that Brand Ambition 92 00:04:26,279 --> 00:04:30,000 Speaker 1: or Mandy Money sent you, and let's get into the 93 00:04:30,040 --> 00:04:33,320 Speaker 1: rest of the show. Here's our first question of the week. 94 00:04:33,600 --> 00:04:35,960 Speaker 1: This comes from a listener from IG who'd like to 95 00:04:36,000 --> 00:04:40,839 Speaker 1: be called Unicorn and has a very straightforward question. Unicorn asks, 96 00:04:40,880 --> 00:04:43,039 Speaker 1: how do I set financial goals for the new year, 97 00:04:43,120 --> 00:04:47,080 Speaker 1: and then how do I discipline myself to keep my commitments. 98 00:04:47,560 --> 00:04:52,040 Speaker 1: I got one word for you, Unicorn, accountability. Who's going 99 00:04:52,080 --> 00:04:54,600 Speaker 1: to hold you accountable? Who's going to check in with 100 00:04:54,640 --> 00:04:56,480 Speaker 1: you and remind you what you said you were going 101 00:04:56,560 --> 00:04:59,480 Speaker 1: to do? And for me, that has to be a person. 102 00:05:00,000 --> 00:05:04,360 Speaker 1: I actually connected with a fellow solopreneur, another woman who 103 00:05:04,400 --> 00:05:07,080 Speaker 1: has a podcast and also has a similar business model 104 00:05:07,120 --> 00:05:08,839 Speaker 1: to me. We connected before Christmas. 105 00:05:08,880 --> 00:05:09,520 Speaker 2: I want to say. 106 00:05:09,760 --> 00:05:12,880 Speaker 1: We're also moms of young children, so we just really 107 00:05:12,920 --> 00:05:15,240 Speaker 1: get each other on a certain level. But we're not 108 00:05:15,360 --> 00:05:18,039 Speaker 1: like best best friends. We really only have been getting 109 00:05:18,080 --> 00:05:21,200 Speaker 1: to know each other as accountability partners. And what's been 110 00:05:21,240 --> 00:05:23,839 Speaker 1: great about that is something that I learned even just 111 00:05:23,880 --> 00:05:26,800 Speaker 1: starting this podcast with Tiffany I said. I've said before 112 00:05:26,839 --> 00:05:28,720 Speaker 1: that one of the reasons that we have been so 113 00:05:28,720 --> 00:05:31,960 Speaker 1: successful with Brown Ambition, I believe is because Tiffany and 114 00:05:32,000 --> 00:05:35,560 Speaker 1: I started as part friends, but more heavily toward the 115 00:05:35,560 --> 00:05:38,279 Speaker 1: business partner side of things. And I just feel like, 116 00:05:38,320 --> 00:05:41,360 Speaker 1: when it's not your bestie, you're gonna bring your a 117 00:05:41,600 --> 00:05:45,120 Speaker 1: game a lot more often that sounds terrible. You're also 118 00:05:45,279 --> 00:05:48,320 Speaker 1: gonna you're gonna like you want to sort of impress 119 00:05:48,440 --> 00:05:51,360 Speaker 1: the other person. You care more about how they perceive you. 120 00:05:51,520 --> 00:05:53,799 Speaker 1: So you're not gonna like miss deadlines, You're not gonna 121 00:05:53,880 --> 00:05:56,279 Speaker 1: be late for recordings because you know the other person 122 00:05:56,400 --> 00:05:58,640 Speaker 1: is not just there because they're just your friend and 123 00:05:58,720 --> 00:06:00,960 Speaker 1: they'll be there no matter what. No, this is another 124 00:06:01,000 --> 00:06:03,360 Speaker 1: person who's time you're going to value differently than you 125 00:06:03,360 --> 00:06:05,640 Speaker 1: would a friend. So I kind of I put that 126 00:06:05,839 --> 00:06:10,080 Speaker 1: same train of thought into my accountability partner. So let's 127 00:06:10,120 --> 00:06:13,240 Speaker 1: get someone who I respect and who we have things 128 00:06:13,279 --> 00:06:15,960 Speaker 1: in common and we like each other, but not someone 129 00:06:16,040 --> 00:06:18,400 Speaker 1: who is going to like take me for granted. 130 00:06:18,240 --> 00:06:19,039 Speaker 2: Or vice versa. 131 00:06:19,520 --> 00:06:23,600 Speaker 1: So I highly highly recommend the accountability partner method. It's 132 00:06:23,640 --> 00:06:25,920 Speaker 1: one of the reasons why I make sure if you 133 00:06:26,040 --> 00:06:29,280 Speaker 1: come through any of my career coaching challenges or my 134 00:06:29,520 --> 00:06:32,400 Speaker 1: Mandy money Maker's coaching program, that you get assigned an 135 00:06:32,400 --> 00:06:36,280 Speaker 1: accountability partner, and the makers who are showing up who 136 00:06:36,400 --> 00:06:40,760 Speaker 1: are bettering their finances, you know, negotiating more, are typically 137 00:06:40,839 --> 00:06:43,840 Speaker 1: the ones who are actually showing up to group coaching, 138 00:06:43,960 --> 00:06:46,479 Speaker 1: the ones who are checking in with their accountability partners. 139 00:06:47,120 --> 00:06:50,320 Speaker 1: And the reality is that, like and I've said it before, 140 00:06:51,000 --> 00:06:53,520 Speaker 1: we do not have to do hard things alone. And 141 00:06:53,640 --> 00:06:56,480 Speaker 1: in fact, hard things are not meant to be done alone. 142 00:06:57,120 --> 00:06:59,719 Speaker 1: And I think that we set ourselves up to fail 143 00:07:00,279 --> 00:07:03,160 Speaker 1: by telling ourselves that, well, everyone else is doing this, 144 00:07:03,279 --> 00:07:05,520 Speaker 1: so I should be able to, you know, set these 145 00:07:05,560 --> 00:07:08,520 Speaker 1: big goals, and that it couldn't be further from the truth, 146 00:07:08,640 --> 00:07:12,040 Speaker 1: Like everyone else who's accomplishing things is probably getting. 147 00:07:11,880 --> 00:07:13,720 Speaker 2: Help, and that's okay. 148 00:07:14,000 --> 00:07:16,360 Speaker 1: It's okay for us to admit that we need accountability 149 00:07:16,760 --> 00:07:18,400 Speaker 1: and that we need someone to check in with us, 150 00:07:18,880 --> 00:07:21,160 Speaker 1: you know, and it's it's okay for us to ask 151 00:07:21,280 --> 00:07:24,320 Speaker 1: for that help. And so what I would say to you, Unicorn, 152 00:07:24,560 --> 00:07:26,800 Speaker 1: is what kind of goals are you setting for yourself? 153 00:07:27,280 --> 00:07:31,480 Speaker 1: And who in your community, your peer group, your colleague group, 154 00:07:31,960 --> 00:07:34,320 Speaker 1: who is someone that you respect, who has a similar 155 00:07:34,640 --> 00:07:38,200 Speaker 1: need for accountability, and who can you engage with to 156 00:07:38,320 --> 00:07:40,720 Speaker 1: start that kind of accountability, So that can look like 157 00:07:41,560 --> 00:07:44,840 Speaker 1: a regular check in. Virtually, for me, it works better 158 00:07:44,920 --> 00:07:45,840 Speaker 1: to be a phone. 159 00:07:45,600 --> 00:07:48,280 Speaker 2: Call, no video. We have a rule, no video, just 160 00:07:48,480 --> 00:07:50,040 Speaker 2: talk because I don't need to be. 161 00:07:50,120 --> 00:07:52,880 Speaker 1: On screen more than I already am. And it's like 162 00:07:53,000 --> 00:07:55,800 Speaker 1: half an hour a week, and yes, we may change that. 163 00:07:55,960 --> 00:07:59,400 Speaker 1: We both have young children, so sometimes life happens, but 164 00:07:59,800 --> 00:08:01,840 Speaker 1: we stick to that, and we do check in with 165 00:08:01,920 --> 00:08:05,000 Speaker 1: one another, and we don't just talk about, like you know, 166 00:08:05,080 --> 00:08:07,640 Speaker 1: what's going on in personal lives, Like we actually have 167 00:08:07,840 --> 00:08:09,880 Speaker 1: a couple of talking points for the business and we 168 00:08:09,960 --> 00:08:12,400 Speaker 1: kind of check in on goals that we had. There's 169 00:08:12,480 --> 00:08:14,440 Speaker 1: not a ton of pressure around it. If one of 170 00:08:14,520 --> 00:08:16,600 Speaker 1: us is like, oh, I know, I said I was 171 00:08:16,640 --> 00:08:18,280 Speaker 1: going to do that thing, but then I just didn't 172 00:08:18,320 --> 00:08:22,440 Speaker 1: do that, then that's where the accountability comes in. It's like, okay, girl, 173 00:08:22,520 --> 00:08:24,640 Speaker 1: I get it, Like why don't you. There's been times 174 00:08:24,640 --> 00:08:25,560 Speaker 1: where I've been like, girl. 175 00:08:25,440 --> 00:08:27,240 Speaker 2: Go take a nap. We can talk about this tomorrow. 176 00:08:27,280 --> 00:08:28,800 Speaker 2: You sound like you really need a nap right now. 177 00:08:29,920 --> 00:08:30,640 Speaker 2: And that's what it is. 178 00:08:30,720 --> 00:08:33,320 Speaker 1: It's about, like I will check in on you tomorrow. 179 00:08:33,559 --> 00:08:35,400 Speaker 1: You know, I understand that you need time, and we'll 180 00:08:35,480 --> 00:08:38,360 Speaker 1: check in tomorrow. And it's just it's wonderful to build 181 00:08:38,400 --> 00:08:41,720 Speaker 1: that relationship and saying all of that. I can already 182 00:08:41,800 --> 00:08:44,160 Speaker 1: hear the people who are listening and they're like, but 183 00:08:44,520 --> 00:08:47,120 Speaker 1: I tried that, but like you know, we stop checking 184 00:08:47,160 --> 00:08:49,160 Speaker 1: in with each other, or the other person wasn't a 185 00:08:49,240 --> 00:08:52,400 Speaker 1: very good accountability partner because they didn't really hold me accountable. 186 00:08:53,000 --> 00:08:54,760 Speaker 1: I think it's really important in a couple of things 187 00:08:54,800 --> 00:08:57,679 Speaker 1: to think about, is one like setting the expectation, what 188 00:08:57,880 --> 00:09:00,199 Speaker 1: is this relationship going to look like? I remember with 189 00:09:00,240 --> 00:09:03,000 Speaker 1: my accountability buddy from the jump, I was like, so, 190 00:09:03,320 --> 00:09:04,960 Speaker 1: like how much accountability? 191 00:09:05,120 --> 00:09:07,360 Speaker 2: Like how much communication are we talking here? 192 00:09:07,400 --> 00:09:10,880 Speaker 1: Because I if you tell me to be your accountability buddy, 193 00:09:10,880 --> 00:09:13,040 Speaker 1: I'll be texting you, I'll be calling you, I'll be 194 00:09:13,160 --> 00:09:15,760 Speaker 1: taking notes, I'll be going back to the receipts to 195 00:09:15,840 --> 00:09:17,600 Speaker 1: be like, well, okay, here's what we said last time. 196 00:09:18,160 --> 00:09:20,080 Speaker 1: But that can be a bit much like some people 197 00:09:20,160 --> 00:09:22,120 Speaker 1: may not like that pressure, but I can be a 198 00:09:22,160 --> 00:09:24,760 Speaker 1: lot right. That's how I get somewhat shit done. An 199 00:09:25,080 --> 00:09:28,120 Speaker 1: I execute the hell out of everything I do. And 200 00:09:28,280 --> 00:09:30,800 Speaker 1: I like to help others execute. So from the beginning, 201 00:09:30,880 --> 00:09:32,920 Speaker 1: I just wanted to just gently check in with her 202 00:09:32,960 --> 00:09:34,679 Speaker 1: to make sure that was cool with her, because that's 203 00:09:34,720 --> 00:09:37,400 Speaker 1: also what I wanted in return. I sort of wanted 204 00:09:37,440 --> 00:09:39,959 Speaker 1: someone to hold me accountable and check in with me 205 00:09:40,320 --> 00:09:44,000 Speaker 1: and care, you know, like care about how certain goals 206 00:09:44,040 --> 00:09:47,319 Speaker 1: are going and how things are working out. And I 207 00:09:47,400 --> 00:09:49,559 Speaker 1: found that to be helpful to just like set that 208 00:09:49,720 --> 00:09:52,719 Speaker 1: boundary or lack of boundary, I guess up front and 209 00:09:52,880 --> 00:09:55,320 Speaker 1: just like set the expectation. So if you're someone who 210 00:09:55,360 --> 00:09:57,880 Speaker 1: doesn't really need, like you're not looking for someone to 211 00:09:58,520 --> 00:10:01,679 Speaker 1: critique what you're doing, that's not what accountability buddy does. No, 212 00:10:02,120 --> 00:10:04,800 Speaker 1: that's what like a mentor you know, I don't know, 213 00:10:05,000 --> 00:10:08,520 Speaker 1: like a business partner may do. Accountability is literally to 214 00:10:08,600 --> 00:10:12,040 Speaker 1: be a cheerleader and to help you get over whatever 215 00:10:12,120 --> 00:10:14,679 Speaker 1: humps you may be getting over with, or just to 216 00:10:14,800 --> 00:10:17,959 Speaker 1: witness the challenge of doing the hard thing, to witness 217 00:10:18,040 --> 00:10:20,240 Speaker 1: the times when you have to take five steps back 218 00:10:20,280 --> 00:10:23,719 Speaker 1: to go ten for ten steps forward, you know, and 219 00:10:24,240 --> 00:10:27,040 Speaker 1: that can be important too. So just say, like, you know, 220 00:10:27,080 --> 00:10:29,680 Speaker 1: I'm really looking for someone I know once a month 221 00:10:31,000 --> 00:10:33,040 Speaker 1: or once every couple of months, I have these like 222 00:10:33,559 --> 00:10:36,640 Speaker 1: depressive episodes, or I get really anxious and I just 223 00:10:36,720 --> 00:10:38,720 Speaker 1: want to know that I have someone to call who 224 00:10:38,800 --> 00:10:41,520 Speaker 1: can understand that and just like tells me the you know, 225 00:10:41,640 --> 00:10:43,000 Speaker 1: tells me what I need to hear to get me 226 00:10:43,160 --> 00:10:46,040 Speaker 1: back you know, doing it and doing whatever I said 227 00:10:46,040 --> 00:10:48,520 Speaker 1: I was going to do. Or I have a really 228 00:10:48,920 --> 00:10:52,080 Speaker 1: tough deadline that I have coming up, and I need 229 00:10:52,160 --> 00:10:54,800 Speaker 1: someone to check on me, like on these dates for 230 00:10:54,880 --> 00:10:57,080 Speaker 1: the next three months, and it's going to end after 231 00:10:57,200 --> 00:11:00,240 Speaker 1: three months, but just to get me through this. Another 232 00:11:00,280 --> 00:11:03,559 Speaker 1: way that I've used accountability partnership in setting goals and 233 00:11:03,640 --> 00:11:06,959 Speaker 1: actually crossing those reaching those goals in my business is 234 00:11:07,480 --> 00:11:09,880 Speaker 1: when I have needed to, I've hired an actual coach. 235 00:11:10,000 --> 00:11:12,280 Speaker 1: When I had the idea to write a book, I 236 00:11:12,679 --> 00:11:16,480 Speaker 1: hired a book proposal coach, someone who had a framework 237 00:11:16,520 --> 00:11:17,240 Speaker 1: for me to follow. 238 00:11:17,800 --> 00:11:18,360 Speaker 2: Sure I could. 239 00:11:18,520 --> 00:11:20,800 Speaker 1: I could talk to Tiffany and I have at length 240 00:11:20,880 --> 00:11:23,280 Speaker 1: about how to create a book proposal and what is it. 241 00:11:23,679 --> 00:11:25,960 Speaker 1: She sent me her book proposal. Other friends for our 242 00:11:26,040 --> 00:11:28,040 Speaker 1: news friend of the show has sent me her book proposal. 243 00:11:28,080 --> 00:11:30,119 Speaker 1: I had plenty of friends you could send me proposals, 244 00:11:30,559 --> 00:11:32,559 Speaker 1: but was I going to sit down and actually do 245 00:11:32,800 --> 00:11:36,840 Speaker 1: the work without a coach, someone who had a weekly 246 00:11:36,920 --> 00:11:39,920 Speaker 1: scheduled call with me and would tell me exactly what 247 00:11:40,040 --> 00:11:41,080 Speaker 1: to work on for that week. 248 00:11:41,600 --> 00:11:44,120 Speaker 2: Probably not, and certainly not in the time that I 249 00:11:44,240 --> 00:11:44,480 Speaker 2: did it. 250 00:11:44,600 --> 00:11:46,280 Speaker 1: I think I had that thing done in like three 251 00:11:46,360 --> 00:11:49,319 Speaker 1: to four months. So when you need that help, you 252 00:11:49,360 --> 00:11:51,800 Speaker 1: can look at hiring that kind of help if you 253 00:11:51,880 --> 00:11:54,360 Speaker 1: can't find it, Because sometimes you need accountability, but you 254 00:11:54,480 --> 00:11:57,959 Speaker 1: also need someone who has the knowledge of what you're 255 00:11:58,000 --> 00:12:00,319 Speaker 1: trying to achieve, who can say, oh, yep, you're on 256 00:12:00,360 --> 00:12:03,319 Speaker 1: the right path, keep going, or they can say ooh no, 257 00:12:03,640 --> 00:12:06,400 Speaker 1: that's no, we're going to change this, and then alter 258 00:12:06,559 --> 00:12:10,559 Speaker 1: it and keep going. The key to accomplishing goals don't 259 00:12:10,880 --> 00:12:15,080 Speaker 1: do them alone. Okay, so maybe a goal for you, Unicorn, 260 00:12:15,120 --> 00:12:17,439 Speaker 1: instead of like, I don't know what your specific goal 261 00:12:17,520 --> 00:12:21,400 Speaker 1: is you don't say, but think about making finding that 262 00:12:21,440 --> 00:12:24,760 Speaker 1: accountability partner a part of that goal. You know, I'm 263 00:12:24,800 --> 00:12:26,760 Speaker 1: not even going to start until I have someone in 264 00:12:26,920 --> 00:12:30,280 Speaker 1: place just champion me through, be that accountability for me 265 00:12:30,520 --> 00:12:34,439 Speaker 1: and help me get to that. Okay, thank you Unicorn 266 00:12:34,559 --> 00:12:36,679 Speaker 1: for your question, and I'll take a quick break and 267 00:12:36,760 --> 00:12:38,280 Speaker 1: be right back with our second question. 268 00:12:38,720 --> 00:12:39,280 Speaker 2: Stay tuned. 269 00:12:44,360 --> 00:12:46,200 Speaker 1: I just really wanted to shout out really quick, bea 270 00:12:46,280 --> 00:12:50,560 Speaker 1: fam listener, Christine, who sent us the sweetest email Christina 271 00:12:50,600 --> 00:12:52,960 Speaker 1: is from Marylyn. She says, I haven't been the best 272 00:12:53,000 --> 00:12:55,760 Speaker 1: at keeping up with podcasts since COVID, since I haven't 273 00:12:55,800 --> 00:12:58,400 Speaker 1: had a daily commute. I was shocked and sad to 274 00:12:58,440 --> 00:13:01,679 Speaker 1: see that Tiffany was leaving on Instagram. But I have 275 00:13:01,840 --> 00:13:04,400 Speaker 1: listened to the farewell episodes and I am on the 276 00:13:04,600 --> 00:13:07,679 Speaker 1: Amtrak train in tears after listening to the episode with 277 00:13:07,800 --> 00:13:10,720 Speaker 1: Doctor Joy. I love you too, and I love Doctor Joy. 278 00:13:10,800 --> 00:13:13,160 Speaker 1: So this was a great episode just having the three 279 00:13:13,240 --> 00:13:16,120 Speaker 1: of you. Like many of the episodes on this show, 280 00:13:16,240 --> 00:13:18,800 Speaker 1: I heard and felt so much of my life and 281 00:13:18,920 --> 00:13:22,880 Speaker 1: experiences reflected in your words and feelings. You talk about 282 00:13:22,920 --> 00:13:25,360 Speaker 1: having evolve from two women in their early thirties and 283 00:13:25,440 --> 00:13:28,120 Speaker 1: relationships to where you are now. I'm just writing to 284 00:13:28,200 --> 00:13:30,000 Speaker 1: say thank you to the both of you for not 285 00:13:30,200 --> 00:13:33,280 Speaker 1: just being my financial besties, but really girlfriends in my 286 00:13:33,400 --> 00:13:35,920 Speaker 1: head and heart. I have learned so much from you 287 00:13:36,120 --> 00:13:40,120 Speaker 1: about finances, being an employee and manager, and just navigating life. 288 00:13:40,200 --> 00:13:41,760 Speaker 2: Thank you so much. 289 00:13:41,920 --> 00:13:44,360 Speaker 1: I'm looking forward to continuing to listen to Brown Ambition 290 00:13:44,480 --> 00:13:47,480 Speaker 1: through the show's evolution with you at the hell Mandy 291 00:13:48,080 --> 00:13:50,480 Speaker 1: and adding your book next to gek it with money 292 00:13:50,559 --> 00:13:52,920 Speaker 1: on my bookshelf. Thank you, I love you and I 293 00:13:53,080 --> 00:13:53,360 Speaker 1: need it. 294 00:13:53,559 --> 00:13:55,640 Speaker 2: Christine. That is so sweet. 295 00:13:56,559 --> 00:13:59,679 Speaker 1: I don't know what to say other than aw and 296 00:14:00,000 --> 00:14:02,319 Speaker 1: and you're the reason we do the show, so I 297 00:14:02,520 --> 00:14:06,560 Speaker 1: just appreciate that so much, y'all. I love BA fam, 298 00:14:06,640 --> 00:14:08,439 Speaker 1: and if y'all have any words of support or we 299 00:14:08,520 --> 00:14:12,079 Speaker 1: have questions, don't forget to email us. Email me Brandabition 300 00:14:12,200 --> 00:14:14,400 Speaker 1: Podcast at gmail dot com, or you can slide into 301 00:14:14,440 --> 00:14:18,000 Speaker 1: our DMS. I'm at Brand Ambition Podcast on IG or 302 00:14:18,040 --> 00:14:20,320 Speaker 1: you can find me at Mandy Money. All right, va Fam, 303 00:14:20,480 --> 00:14:23,800 Speaker 1: I'm back with a question from listeners Solange, who wrote 304 00:14:23,880 --> 00:14:27,280 Speaker 1: in from IG to ask, Hey, Mandy. 305 00:14:27,080 --> 00:14:27,880 Speaker 2: I need your help. 306 00:14:28,040 --> 00:14:30,000 Speaker 1: Can you point me in the right direction to select 307 00:14:30,080 --> 00:14:32,920 Speaker 1: a financial planner? I don't feel comfortable to just select 308 00:14:33,000 --> 00:14:34,200 Speaker 1: anyone on the internet. 309 00:14:34,360 --> 00:14:35,400 Speaker 2: Please help? 310 00:14:36,200 --> 00:14:39,760 Speaker 1: Okay, So, how to find a financial planner without using 311 00:14:39,760 --> 00:14:42,080 Speaker 1: the internet? Okay, Well, first let me talk to you, Solange. 312 00:14:42,440 --> 00:14:45,520 Speaker 1: The Internet is our friend, but we can't fully trust 313 00:14:45,640 --> 00:14:47,240 Speaker 1: everything the Internet has to say. Right. 314 00:14:47,640 --> 00:14:48,960 Speaker 2: Sometimes it's not even about trust. 315 00:14:49,080 --> 00:14:52,040 Speaker 1: Like you may look for the best financial planners in 316 00:14:52,400 --> 00:14:54,760 Speaker 1: whatever town you live in, for example, or whatever state 317 00:14:54,880 --> 00:14:57,440 Speaker 1: or city, and then find your list and then contact 318 00:14:57,480 --> 00:14:58,840 Speaker 1: one of them who looks good and then get on 319 00:14:58,920 --> 00:15:01,040 Speaker 1: the phone and be like, hmm, this guy is just 320 00:15:01,120 --> 00:15:04,000 Speaker 1: not speaking my language, or this girl I don't understand 321 00:15:04,000 --> 00:15:06,360 Speaker 1: what she's saying, or she's talking down to me, or 322 00:15:06,440 --> 00:15:08,240 Speaker 1: whatever the case may be. So it just may not 323 00:15:08,360 --> 00:15:11,000 Speaker 1: be a good fit for you, or they have a 324 00:15:11,080 --> 00:15:13,800 Speaker 1: different kind of strategy, or they only work with clients 325 00:15:13,840 --> 00:15:17,000 Speaker 1: who are in couple, in a couple, or in you know, 326 00:15:17,120 --> 00:15:20,320 Speaker 1: doing family finances or doing a state planning. So I 327 00:15:20,480 --> 00:15:22,960 Speaker 1: just want to say that when you're looking for a 328 00:15:23,000 --> 00:15:25,800 Speaker 1: financial planner, there's always going to be some amount of 329 00:15:26,120 --> 00:15:28,000 Speaker 1: is this person the right fit for me, whether you 330 00:15:28,080 --> 00:15:31,240 Speaker 1: find them on the Internet, whether they're coming through a referral. Okay, 331 00:15:32,160 --> 00:15:34,880 Speaker 1: all that being said, I do think the internet can 332 00:15:34,920 --> 00:15:37,120 Speaker 1: be a helpful tool. I found my financial planner through 333 00:15:37,160 --> 00:15:39,560 Speaker 1: the Internet through a tool called x Y Planning Network, 334 00:15:39,600 --> 00:15:43,920 Speaker 1: which is still very much in the world and still exists, 335 00:15:44,280 --> 00:15:48,680 Speaker 1: and x Y Planning they particularly work on connecting financial 336 00:15:48,720 --> 00:15:52,320 Speaker 1: planners who can work with that gen X gen Y population. 337 00:15:52,640 --> 00:15:55,400 Speaker 1: They also, I believe, only work with fee based planners. 338 00:15:55,560 --> 00:15:57,560 Speaker 1: Fee based planners are going to give you a flat 339 00:15:57,640 --> 00:16:00,360 Speaker 1: rate for their services or not gonna you know, make 340 00:16:00,400 --> 00:16:02,920 Speaker 1: their money off of selling you insurance products or getting 341 00:16:02,920 --> 00:16:06,320 Speaker 1: commissions from the types of investments that they that they 342 00:16:06,680 --> 00:16:10,960 Speaker 1: encourage you to make. So think about that as well. 343 00:16:11,440 --> 00:16:14,200 Speaker 1: Check them out and ask if they are a fiduciary, 344 00:16:14,320 --> 00:16:16,680 Speaker 1: which means they have to work in your best interest, 345 00:16:16,840 --> 00:16:19,600 Speaker 1: and if they are fee based or fee only they 346 00:16:19,720 --> 00:16:23,320 Speaker 1: are a fiduciary. That's just like part of the part 347 00:16:23,400 --> 00:16:24,920 Speaker 1: of the the kit and kaboodle. 348 00:16:25,040 --> 00:16:25,320 Speaker 2: Okay. 349 00:16:26,240 --> 00:16:28,240 Speaker 1: Other ways that you can vet a financial planner. You 350 00:16:28,320 --> 00:16:31,400 Speaker 1: can use FINRA's I believe it's called broker check. FINRA 351 00:16:31,600 --> 00:16:35,680 Speaker 1: is fi n r A, so this will show any 352 00:16:35,800 --> 00:16:38,520 Speaker 1: history if there have been complaints against them and or 353 00:16:38,600 --> 00:16:41,880 Speaker 1: disciplinary action. So FINRA is like a regulatory body for 354 00:16:43,000 --> 00:16:46,880 Speaker 1: investment advisors, so that can be a tool to use. 355 00:16:47,760 --> 00:16:52,960 Speaker 1: There's also the Financial Planning Association. There's the ONAPFA National 356 00:16:53,040 --> 00:16:55,840 Speaker 1: Association of Personal Financial Advisors. I know they have a 357 00:16:55,920 --> 00:16:58,160 Speaker 1: tool in there to put in your zip code and 358 00:16:58,280 --> 00:17:00,760 Speaker 1: you can find planners who are in your area. There's 359 00:17:00,760 --> 00:17:03,800 Speaker 1: also some matching services, x Y Planning Network being one, 360 00:17:03,920 --> 00:17:06,560 Speaker 1: but some platforms that'll actually try to match you with 361 00:17:06,720 --> 00:17:09,280 Speaker 1: like people according to what you need and where you live. 362 00:17:09,520 --> 00:17:13,280 Speaker 1: You can check out Zoe Zoe Financial. You can check 363 00:17:13,320 --> 00:17:16,320 Speaker 1: out wealth Ramp and also Harness Wealth. And I know 364 00:17:16,400 --> 00:17:18,600 Speaker 1: there's some other sites that have been, like you know, 365 00:17:18,920 --> 00:17:23,600 Speaker 1: experimenting with having like advisor marketplaces. There's investor dot com. 366 00:17:24,880 --> 00:17:26,359 Speaker 1: Actually know the co founder or the found that we 367 00:17:26,440 --> 00:17:29,040 Speaker 1: used to work together at lending Tree. But anyway, Investor 368 00:17:29,119 --> 00:17:31,360 Speaker 1: dot com. Those are a bunch of options. And I'll 369 00:17:31,480 --> 00:17:33,280 Speaker 1: just leave you with this. This is not going to 370 00:17:33,320 --> 00:17:36,560 Speaker 1: be the type of like professional service that you're going 371 00:17:36,640 --> 00:17:39,480 Speaker 1: to be able to just go on Yelp or Google, 372 00:17:39,840 --> 00:17:42,200 Speaker 1: you know, reviews and or it's not like finding a 373 00:17:42,280 --> 00:17:44,920 Speaker 1: restaurant like you want it to be a really good 374 00:17:44,960 --> 00:17:47,320 Speaker 1: fit for you. And the best news for you is 375 00:17:47,400 --> 00:17:50,680 Speaker 1: that a lot of these firms and advisors, they will 376 00:17:50,720 --> 00:17:54,080 Speaker 1: offer some sort of free consultation or getting to know 377 00:17:54,200 --> 00:17:58,760 Speaker 1: you meeting fifteen minutes thirty minutes max and actually come 378 00:17:58,840 --> 00:18:01,520 Speaker 1: prepared with the list of questions to ask them. And 379 00:18:01,720 --> 00:18:03,640 Speaker 1: if you would like to know what some good questions 380 00:18:03,720 --> 00:18:05,600 Speaker 1: to ask are, I got you covered. 381 00:18:05,880 --> 00:18:08,159 Speaker 2: Number one is how do you get paid? 382 00:18:08,480 --> 00:18:11,720 Speaker 1: Okay, so this is going to actually bypass those questions 383 00:18:11,800 --> 00:18:13,480 Speaker 1: like are you a fiduciary, are you fee based? 384 00:18:13,480 --> 00:18:14,120 Speaker 2: Are you fee only? 385 00:18:14,280 --> 00:18:16,479 Speaker 1: Just ask how do you get paid point blank? Am 386 00:18:16,520 --> 00:18:18,879 Speaker 1: I paying you a flat rate? Am I paying you percentage? 387 00:18:19,240 --> 00:18:19,960 Speaker 2: How does that work? 388 00:18:20,200 --> 00:18:22,920 Speaker 1: Now, if you're someone who wants to have like a 389 00:18:23,080 --> 00:18:27,400 Speaker 1: heavy active investor, like actually picking and choosing your investments, 390 00:18:27,960 --> 00:18:30,119 Speaker 1: typically they're going to be taking some kind of percentage 391 00:18:30,200 --> 00:18:33,399 Speaker 1: of your assets that they are managing. So that's just 392 00:18:33,520 --> 00:18:36,000 Speaker 1: kind of a standard policy. But then ask them like, okay, 393 00:18:36,080 --> 00:18:38,920 Speaker 1: what is that percentage? Is it on all types of products? 394 00:18:39,720 --> 00:18:42,159 Speaker 1: Are you a fiduciary? So do you actually, you know, 395 00:18:42,480 --> 00:18:44,560 Speaker 1: do you have to work in my best interest? Or 396 00:18:45,000 --> 00:18:48,160 Speaker 1: if you're not a fiduciary, how do you make sure 397 00:18:48,160 --> 00:18:50,840 Speaker 1: that you're acting in my best interest? And honestly, probably 398 00:18:50,880 --> 00:18:53,040 Speaker 1: best for you to go with someone who is a fiduciary, 399 00:18:53,119 --> 00:18:55,920 Speaker 1: because there's just no way to trust that someone who's 400 00:18:55,960 --> 00:18:59,040 Speaker 1: not a fiduciary isn't making decisions and choices for you 401 00:18:59,320 --> 00:19:02,440 Speaker 1: based on the amount of their commission or whatever else, 402 00:19:03,000 --> 00:19:05,880 Speaker 1: you know, incentive they may have to take your money 403 00:19:05,920 --> 00:19:08,399 Speaker 1: and invest it in certain places. You could ask for 404 00:19:08,440 --> 00:19:12,840 Speaker 1: their certifications so a couple of certifications like certified financial 405 00:19:12,880 --> 00:19:17,760 Speaker 1: planner that is different than like a registered investment advisor, 406 00:19:17,920 --> 00:19:19,960 Speaker 1: So you can look into that and ask how that 407 00:19:20,080 --> 00:19:23,200 Speaker 1: may change their fees or change the kind of advice 408 00:19:23,280 --> 00:19:27,440 Speaker 1: they can give. In general, a certified financial planner is 409 00:19:27,600 --> 00:19:29,720 Speaker 1: going to be a good starting point for people with 410 00:19:29,800 --> 00:19:33,080 Speaker 1: personal finance financial planning management. So if you're looking for 411 00:19:33,200 --> 00:19:36,440 Speaker 1: someone to set goals and like look at your you know, 412 00:19:36,560 --> 00:19:40,320 Speaker 1: household finances, work on a budget, pay down debt, you know, 413 00:19:40,359 --> 00:19:42,280 Speaker 1: maybe you're looking at a big goal like buying your 414 00:19:42,320 --> 00:19:45,480 Speaker 1: first home, just a CFP could be a good place 415 00:19:45,520 --> 00:19:49,119 Speaker 1: to start. But you also have like financial coaches and 416 00:19:49,320 --> 00:19:52,280 Speaker 1: maybe they don't have certification, but they may come at 417 00:19:52,320 --> 00:19:54,800 Speaker 1: a lower price point than someone who has gone through 418 00:19:55,000 --> 00:19:59,680 Speaker 1: the schooling and the continuing education that a CFP is required. 419 00:20:00,040 --> 00:20:03,040 Speaker 1: And truth be told, like if you're really vibing with 420 00:20:03,280 --> 00:20:07,320 Speaker 1: a financial coach or you know, a counselor for example, 421 00:20:07,520 --> 00:20:10,880 Speaker 1: and they may not have that certification, but they understand 422 00:20:10,960 --> 00:20:12,760 Speaker 1: you and your goals and you feel like you can 423 00:20:12,800 --> 00:20:15,239 Speaker 1: trust them, and you understand their fee structure and all 424 00:20:15,280 --> 00:20:17,520 Speaker 1: of that, Like you could try that out to begin with. 425 00:20:18,280 --> 00:20:21,320 Speaker 1: You don't have to necessarily skip right to hiring like 426 00:20:21,400 --> 00:20:25,960 Speaker 1: the top of that, you know, certification level. Another a 427 00:20:26,040 --> 00:20:28,639 Speaker 1: great question to ask too is like how regularly are 428 00:20:28,720 --> 00:20:31,359 Speaker 1: we going to meet? And then what sort of platform 429 00:20:31,440 --> 00:20:33,320 Speaker 1: or software are you going to be using? Like a 430 00:20:33,400 --> 00:20:36,520 Speaker 1: lot of times financial planners will have some kind of 431 00:20:36,600 --> 00:20:38,760 Speaker 1: software for you to load all your accounts into, and 432 00:20:38,840 --> 00:20:41,760 Speaker 1: then you know what is that software? Like? Is it 433 00:20:41,840 --> 00:20:44,200 Speaker 1: a lot of like going in and updating things to 434 00:20:44,280 --> 00:20:47,159 Speaker 1: make sure that they're accurate. You want to know are 435 00:20:47,200 --> 00:20:48,960 Speaker 1: you meeting virtually in person? 436 00:20:49,960 --> 00:20:51,480 Speaker 2: Are you going to work with them directly? 437 00:20:51,520 --> 00:20:53,600 Speaker 1: Because you may love the planner, but then they have you, 438 00:20:54,160 --> 00:20:56,240 Speaker 1: you know that they have you interfacing more with like 439 00:20:56,320 --> 00:20:59,920 Speaker 1: an assistant planner for example, so that may matter to you. 440 00:21:00,080 --> 00:21:03,399 Speaker 1: You and are they going to keep you updated on 441 00:21:03,920 --> 00:21:06,480 Speaker 1: the financial industry? Are there any like is there any 442 00:21:06,640 --> 00:21:10,359 Speaker 1: education that they offer? Some planners have newsletters or they 443 00:21:10,440 --> 00:21:14,040 Speaker 1: may have events to educate their clients. You may not 444 00:21:14,200 --> 00:21:17,720 Speaker 1: want that amount of you know, investment of their time, 445 00:21:17,840 --> 00:21:20,399 Speaker 1: but just something to think about. Protection and security is 446 00:21:20,440 --> 00:21:23,800 Speaker 1: a big one. So how is my money protected by 447 00:21:23,920 --> 00:21:26,600 Speaker 1: working with you? How am I protected if something were 448 00:21:26,640 --> 00:21:29,119 Speaker 1: to go wrong? So this question doesn't really apply to 449 00:21:29,200 --> 00:21:31,879 Speaker 1: anyone who's working with a fee based or fee only planner, 450 00:21:32,000 --> 00:21:34,480 Speaker 1: because you are giving them money for a service and 451 00:21:34,640 --> 00:21:36,840 Speaker 1: they should be performing that service for you. They're not 452 00:21:37,040 --> 00:21:39,440 Speaker 1: getting access to your accounts or taking a cut of 453 00:21:39,600 --> 00:21:43,080 Speaker 1: your returns on investment or a percentage of your assets 454 00:21:43,160 --> 00:21:45,200 Speaker 1: that they are managing for you. And lastly, a good 455 00:21:45,280 --> 00:21:47,840 Speaker 1: question to ask is just who do you love working with? 456 00:21:47,960 --> 00:21:50,119 Speaker 1: And that could be a great way to tell if 457 00:21:50,160 --> 00:21:52,960 Speaker 1: they're going to give you, you know, special attention or 458 00:21:53,040 --> 00:21:55,320 Speaker 1: like you're really going to get their best effort. Because 459 00:21:55,359 --> 00:21:58,240 Speaker 1: when someone is working with their ideal client, they're going 460 00:21:58,320 --> 00:22:00,879 Speaker 1: to have a lot more expertise that area. You're going 461 00:22:00,920 --> 00:22:04,200 Speaker 1: to get richer I think advice. So for me, for example, 462 00:22:04,320 --> 00:22:07,200 Speaker 1: i am a career and negotiation coach, So I'm gonna 463 00:22:07,240 --> 00:22:09,159 Speaker 1: work best with women who are at a place in 464 00:22:09,200 --> 00:22:11,920 Speaker 1: their careers where they're feeling undervalued, but they have the 465 00:22:12,000 --> 00:22:16,320 Speaker 1: skill set and they have the goods to back up negotiations, 466 00:22:16,400 --> 00:22:18,399 Speaker 1: you know, So I don't want to I don't work 467 00:22:18,440 --> 00:22:21,200 Speaker 1: too often with like entry level people or you know, 468 00:22:21,320 --> 00:22:24,160 Speaker 1: people who haven't really like proven their worth in their 469 00:22:24,240 --> 00:22:24,920 Speaker 1: careers yet. 470 00:22:25,000 --> 00:22:26,240 Speaker 2: I'm more of like mid. 471 00:22:26,200 --> 00:22:29,399 Speaker 1: Level, like you know, twenty five to forty five sweet 472 00:22:29,400 --> 00:22:32,080 Speaker 1: spot for me, So that's specific to me. I can 473 00:22:32,200 --> 00:22:34,440 Speaker 1: coach an eighteen year old, I could coach a sixty 474 00:22:34,520 --> 00:22:36,920 Speaker 1: five year old, but I'm really going to be in 475 00:22:37,080 --> 00:22:39,080 Speaker 1: my bag and giving the best that I can to 476 00:22:39,160 --> 00:22:41,840 Speaker 1: the client if they're in that you know that window 477 00:22:42,400 --> 00:22:45,719 Speaker 1: of ages and also like life stages. So if you're 478 00:22:45,760 --> 00:22:48,440 Speaker 1: looking for a financial planner and you really want someone 479 00:22:48,480 --> 00:22:51,879 Speaker 1: who's good with like household budgeting for a single woman 480 00:22:52,280 --> 00:22:55,600 Speaker 1: who doesn't plan to get married anytime soon, then maybe 481 00:22:55,640 --> 00:22:57,880 Speaker 1: you should work with the planner who really has experience 482 00:22:57,960 --> 00:23:01,800 Speaker 1: and understand some of the particular nuances of being an independent, 483 00:23:02,200 --> 00:23:04,520 Speaker 1: you know, a solo woman, and then may treat it 484 00:23:04,600 --> 00:23:07,880 Speaker 1: differently than a financial planner who only works with couples 485 00:23:08,040 --> 00:23:11,719 Speaker 1: or specializes in working with couples finances. Now, if you're 486 00:23:11,760 --> 00:23:14,200 Speaker 1: looking for someone who's only going to do a state planning, 487 00:23:14,240 --> 00:23:16,200 Speaker 1: you may want to find you may want to ask 488 00:23:16,240 --> 00:23:19,920 Speaker 1: a general financial planner if they recommend an estate planning 489 00:23:19,960 --> 00:23:23,320 Speaker 1: attorney or a financial planner who specializes in estate plans, 490 00:23:23,359 --> 00:23:25,480 Speaker 1: and it's just kind of like going to the doctor. 491 00:23:25,560 --> 00:23:28,680 Speaker 1: Your financial planner can be like your general practitioner and 492 00:23:28,760 --> 00:23:31,960 Speaker 1: then if you have more specific needs or questions, and 493 00:23:32,040 --> 00:23:34,640 Speaker 1: they may be able to connect you with other people 494 00:23:34,760 --> 00:23:37,200 Speaker 1: in their network who can help you in that specialized place. 495 00:23:37,560 --> 00:23:40,119 Speaker 1: But yeah, starting with a good financial planner as like 496 00:23:40,200 --> 00:23:42,560 Speaker 1: a base level is wonderful. 497 00:23:42,600 --> 00:23:43,280 Speaker 2: It's a good idea. 498 00:23:43,560 --> 00:23:46,400 Speaker 1: And I'm so glad that you're listening to Brown Ambition Solange, 499 00:23:46,440 --> 00:23:49,320 Speaker 1: and thank you for asking a question. Be a fan 500 00:23:49,480 --> 00:23:51,800 Speaker 1: where y'all at send us your questions. You can hit 501 00:23:51,880 --> 00:23:55,760 Speaker 1: me up at Brand Ambition Podcast on ig or Brand 502 00:23:55,800 --> 00:24:00,280 Speaker 1: Ambition Podcast at gmail dot com to email your questions. Yeah, 503 00:24:00,359 --> 00:24:02,520 Speaker 1: you can stay anonymous. Come up with a fun pseudonym 504 00:24:02,560 --> 00:24:03,960 Speaker 1: if you want to like unicorn. 505 00:24:04,040 --> 00:24:05,679 Speaker 2: Okay, we don't care. 506 00:24:05,800 --> 00:24:08,280 Speaker 1: We just want them juicy questions, all right, va Fam, 507 00:24:08,359 --> 00:24:11,399 Speaker 1: don't forget to like. Subscribe on YouTube if you're watching 508 00:24:11,480 --> 00:24:13,720 Speaker 1: here so you can get the latest episodes of our show. 509 00:24:14,040 --> 00:24:18,240 Speaker 1: We air Wednesdays and Fridays. And until next time, by 510 00:24:18,320 --> 00:24:18,840 Speaker 1: ba Fam