1
00:00:05,240 --> 00:00:09,799
Speaker 1: It's time for the big a q a a b

2
00:00:10,080 --> 00:00:13,400
Speaker 1: a q A, which is the big a q eight

3
00:00:13,560 --> 00:00:16,680
Speaker 1: man d b a q A with A to b

4
00:00:16,760 --> 00:00:21,239
Speaker 1: a q a A. So if you have questions, we

5
00:00:21,280 --> 00:00:24,880
Speaker 1: have answers, but be mindful that we're not your doctor,

6
00:00:25,079 --> 00:00:28,479
Speaker 1: not your attorney, not your financial advisor, but your friend.

7
00:00:28,960 --> 00:00:31,480
Speaker 1: So if you want to sue somebody else, choose your

8
00:00:31,560 --> 00:00:34,400
Speaker 1: brother and them. Okay, So take a we say with

9
00:00:34,400 --> 00:00:36,320
Speaker 1: the smile screen of salt. If you have questions, you

10
00:00:36,320 --> 00:00:39,839
Speaker 1: can go to Brannivision podcast dot com and click contact

11
00:00:39,920 --> 00:00:41,920
Speaker 1: us and that's questions there. We prefer though, if you

12
00:00:41,960 --> 00:00:45,400
Speaker 1: slide in our I g d MS Brina Vision Pod

13
00:00:45,760 --> 00:00:49,720
Speaker 1: podcast and ask us questions there. If you want to

14
00:00:49,720 --> 00:00:52,400
Speaker 1: be left anonymous, please give us a fake name. Make

15
00:00:52,479 --> 00:00:55,600
Speaker 1: it fun, make it saucy, make it make it sexy

16
00:00:55,600 --> 00:01:00,440
Speaker 1: even Okay, So we take questions about entrepreneurship, Corey, your

17
00:01:00,760 --> 00:01:05,559
Speaker 1: business and money. Mandy, what are we doing this week? Mandy?

18
00:01:06,240 --> 00:01:09,440
Speaker 2: We got some juicy career questions, which means I am

19
00:01:09,560 --> 00:01:13,000
Speaker 2: so excited and should we just get right into it

20
00:01:13,000 --> 00:01:15,360
Speaker 2: one of us or one of the first questions is

21
00:01:15,400 --> 00:01:19,720
Speaker 2: fascinating about whether, like what happens if a company checks.

22
00:01:19,480 --> 00:01:22,360
Speaker 1: Your credit report. We're wired, and.

23
00:01:22,360 --> 00:01:25,840
Speaker 2: Our second question is is really about Oh no, that

24
00:01:25,920 --> 00:01:28,679
Speaker 2: was the first, So our second questions about a transition,

25
00:01:28,880 --> 00:01:31,840
Speaker 2: how to get out of education and start slash your

26
00:01:31,840 --> 00:01:35,720
Speaker 2: own business and also a corporate job in health education.

27
00:01:36,640 --> 00:01:39,040
Speaker 2: I feel like I did a really terrible job those

28
00:01:39,120 --> 00:01:43,759
Speaker 2: questions itself.

29
00:01:44,120 --> 00:01:46,160
Speaker 1: It's better than what Mandy made it out. Go ahead,

30
00:01:46,520 --> 00:01:49,240
Speaker 1: go ahead, read the ques and we'll just get into

31
00:01:49,240 --> 00:01:56,040
Speaker 1: the questions. Don't keep them. Love it is about watching

32
00:01:56,760 --> 00:02:02,480
Speaker 1: Ryba fan. We're gonna take a quick break and we'll

33
00:02:02,520 --> 00:02:03,840
Speaker 1: be right back.

34
00:02:07,440 --> 00:02:10,200
Speaker 2: Okay, listen to twenty Let's do a question twenty five

35
00:02:10,240 --> 00:02:13,880
Speaker 2: from AJ from Igo. If you want to.

36
00:02:13,800 --> 00:02:17,799
Speaker 1: Read it, sure, AJ says, good morning, great ladies. I

37
00:02:17,880 --> 00:02:20,239
Speaker 1: put the great part in first and foremost. I love

38
00:02:20,440 --> 00:02:23,800
Speaker 1: your show. It gets so much information. It's fun and informative.

39
00:02:24,120 --> 00:02:28,160
Speaker 1: She says, or he I'm writing with a listener letter.

40
00:02:28,400 --> 00:02:31,680
Speaker 1: I'm in need of advice big time, she said. Address

41
00:02:31,680 --> 00:02:34,800
Speaker 1: her as AJ. Okay, she said, I am so over

42
00:02:34,960 --> 00:02:37,960
Speaker 1: the education field. I have worked as a health educator

43
00:02:38,000 --> 00:02:40,800
Speaker 1: for the past three years, but I've also had education

44
00:02:41,000 --> 00:02:43,839
Speaker 1: like jobs for an additional two years, waking up every

45
00:02:43,919 --> 00:02:46,239
Speaker 1: day to go to work is a struggle. I often

46
00:02:46,240 --> 00:02:49,840
Speaker 1: feel really miserable and tired you name it, thinking about

47
00:02:49,840 --> 00:02:52,360
Speaker 1: it or going to it into work. I don't make

48
00:02:52,400 --> 00:02:54,440
Speaker 1: as much as I would like, and I'm eager for

49
00:02:54,560 --> 00:02:58,080
Speaker 1: more fulfilling, higher paying, and more creative job. Okay, the

50
00:02:58,120 --> 00:03:02,280
Speaker 1: subject that she teach is often underppreciated and looked over

51
00:03:02,400 --> 00:03:06,040
Speaker 1: by this age demographic. I have a nutrition business which

52
00:03:06,080 --> 00:03:08,160
Speaker 1: doesn't make me as much money as I would like,

53
00:03:08,680 --> 00:03:12,079
Speaker 1: definitely not enough to live on the moment in the moment,

54
00:03:12,520 --> 00:03:16,160
Speaker 1: and I am a health and wellness educator. I've always

55
00:03:16,200 --> 00:03:19,720
Speaker 1: dreamed of working a corporate wellness job or working in

56
00:03:19,720 --> 00:03:23,360
Speaker 1: my nutrition business full time with other wellness initiatives. I

57
00:03:23,400 --> 00:03:25,680
Speaker 1: want to change people's lives and help them become healthier

58
00:03:25,680 --> 00:03:28,040
Speaker 1: and happier versions of themselves. Can you please give me

59
00:03:28,040 --> 00:03:31,240
Speaker 1: some advice on transitioning out of the teaching profession and

60
00:03:31,320 --> 00:03:34,800
Speaker 1: advice for pursuing corporate wellness, a corporate wellness job and

61
00:03:34,920 --> 00:03:38,920
Speaker 1: pursuing her own business as a full time job. She

62
00:03:39,000 --> 00:03:41,200
Speaker 1: needs to make this change for her own health and wellness.

63
00:03:41,400 --> 00:03:44,200
Speaker 1: Thank you so much. Please keep up the amazing work

64
00:03:44,920 --> 00:03:47,680
Speaker 1: a jay, she said, job she alvered these babies I'm

65
00:03:47,680 --> 00:03:49,960
Speaker 1: assuming she's like in like the school system, school system

66
00:03:50,520 --> 00:03:50,920
Speaker 1: soon I.

67
00:03:50,800 --> 00:03:53,000
Speaker 2: Was wondering, but it could be like it could be

68
00:03:53,600 --> 00:03:58,480
Speaker 2: in education too. Some maybe it's like a teacher of nutrition. Yeah,

69
00:03:58,520 --> 00:04:00,960
Speaker 2: I think it's kind of ironic that she's struggling with

70
00:04:01,000 --> 00:04:02,360
Speaker 2: her health because of a job.

71
00:04:02,160 --> 00:04:03,800
Speaker 1: Where she teaches people about health.

72
00:04:04,120 --> 00:04:06,840
Speaker 2: It's really bad for my health, but just goes to

73
00:04:06,920 --> 00:04:10,640
Speaker 2: show you that, really, like burnout is real in any career. So,

74
00:04:10,920 --> 00:04:12,880
Speaker 2: I mean, the first tip I have is this is

75
00:04:12,880 --> 00:04:15,120
Speaker 2: one of the reasons why I say don't wait for

76
00:04:15,160 --> 00:04:18,359
Speaker 2: your FU moment to make a career change, because the

77
00:04:18,400 --> 00:04:20,760
Speaker 2: most difficult thing when you are in such a state

78
00:04:20,839 --> 00:04:25,240
Speaker 2: of desperation, not desperation like I'll take anything, but desperation

79
00:04:25,320 --> 00:04:27,400
Speaker 2: of like get me out of here, is that you

80
00:04:27,440 --> 00:04:29,680
Speaker 2: sort of sometimes if you make decisions with that kind

81
00:04:29,720 --> 00:04:33,720
Speaker 2: of energy behind it, you can often make knee jerk decisions,

82
00:04:33,720 --> 00:04:37,559
Speaker 2: impulsive decisions that actually are not best for the long term. Also,

83
00:04:37,760 --> 00:04:40,360
Speaker 2: you kind of carry that energy into your next thing.

84
00:04:40,720 --> 00:04:42,359
Speaker 2: And there's been multiple times where I've been on a

85
00:04:42,360 --> 00:04:44,840
Speaker 2: coaching call with a client and I've been like, you're

86
00:04:44,920 --> 00:04:48,359
Speaker 2: asking me for the best advice because you're interviewing for

87
00:04:48,400 --> 00:04:50,160
Speaker 2: this job, or you're trying to find a job, or

88
00:04:50,200 --> 00:04:52,800
Speaker 2: you're you know, in the final round of interviews and

89
00:04:52,839 --> 00:04:55,720
Speaker 2: they have an offer. But what is screaming in front

90
00:04:55,720 --> 00:04:59,839
Speaker 2: of me is someone who needs a break to rejuvenate

91
00:05:00,200 --> 00:05:03,040
Speaker 2: a little bit. So I just that came to mind

92
00:05:03,040 --> 00:05:05,640
Speaker 2: because I'm like, when you're so stressed and so burnt

93
00:05:05,680 --> 00:05:07,440
Speaker 2: out and then you try to bring that energy into

94
00:05:07,480 --> 00:05:11,120
Speaker 2: a corporate job interview, especially in a field where it's competitive,

95
00:05:11,160 --> 00:05:13,839
Speaker 2: you may have a bunch of other candidates, like that

96
00:05:14,080 --> 00:05:17,839
Speaker 2: energy can work against you the other person in an interview.

97
00:05:17,880 --> 00:05:18,640
Speaker 1: It's as much.

98
00:05:18,560 --> 00:05:20,680
Speaker 2: About skills as it can be about the way they

99
00:05:20,680 --> 00:05:23,600
Speaker 2: feel if they're speaking to you, and if they get

100
00:05:23,640 --> 00:05:25,680
Speaker 2: a sense of like, especially if you're going to be

101
00:05:25,680 --> 00:05:27,839
Speaker 2: in health education, I think they want probably someone who's

102
00:05:27,920 --> 00:05:30,400
Speaker 2: excited about it and you know, bring in a certain

103
00:05:31,640 --> 00:05:35,960
Speaker 2: new fresh energy to it. And unless you can really

104
00:05:36,000 --> 00:05:38,440
Speaker 2: fix or start working on the mindset and start working

105
00:05:38,520 --> 00:05:43,400
Speaker 2: on your energy around this and getting excited about it again,

106
00:05:43,920 --> 00:05:46,800
Speaker 2: I think you will struggle to find a really great

107
00:05:46,880 --> 00:05:50,640
Speaker 2: job in corporate And one of the things you can

108
00:05:50,680 --> 00:05:53,360
Speaker 2: do to well, you have the most you have the

109
00:05:53,680 --> 00:05:57,200
Speaker 2: best answer, but ask yourself, like what why did I

110
00:05:57,200 --> 00:05:58,960
Speaker 2: get into this in the first place, and what is

111
00:05:59,000 --> 00:06:01,680
Speaker 2: it about it that lights me up? And how can

112
00:06:01,720 --> 00:06:03,960
Speaker 2: you get back to doing that? So it could be

113
00:06:04,040 --> 00:06:06,880
Speaker 2: that the actual work itself you love, but the environment

114
00:06:06,920 --> 00:06:08,960
Speaker 2: that you're in is awful. So can you do some

115
00:06:10,080 --> 00:06:12,880
Speaker 2: you know, even your coaching practice, like just focusing on

116
00:06:12,960 --> 00:06:16,599
Speaker 2: the coaching practice, maybe not focusing on it in a

117
00:06:16,600 --> 00:06:18,080
Speaker 2: way that like I have to be making money.

118
00:06:18,120 --> 00:06:19,120
Speaker 1: I need a business because.

119
00:06:18,920 --> 00:06:20,159
Speaker 2: I got to get out of this corporate I gotta

120
00:06:20,200 --> 00:06:22,560
Speaker 2: get out of this education field. But just kind of

121
00:06:22,600 --> 00:06:25,320
Speaker 2: let it be fun, like just work with clients a

122
00:06:25,360 --> 00:06:28,400
Speaker 2: little bit. It may sound counterintuitive and tifty, maybe like

123
00:06:28,600 --> 00:06:30,440
Speaker 2: what kind of business It's not supposed to make money,

124
00:06:31,080 --> 00:06:34,160
Speaker 2: But I feel like you need to rediscover your love

125
00:06:34,200 --> 00:06:38,280
Speaker 2: and sparkle about this work. And either that's maybe taking

126
00:06:38,279 --> 00:06:41,880
Speaker 2: a break or it's just by doing some work just

127
00:06:41,880 --> 00:06:45,800
Speaker 2: for the pure love of it and really, yeah, focusing

128
00:06:45,839 --> 00:06:48,480
Speaker 2: on why this is making you feel so great and

129
00:06:48,560 --> 00:06:54,400
Speaker 2: reigniting that passion or excitement that you have for the field.

130
00:06:55,200 --> 00:06:56,599
Speaker 1: Now, like when.

131
00:06:56,400 --> 00:07:01,360
Speaker 2: It comes to corporate wellness job like that's totally possible.

132
00:07:01,400 --> 00:07:04,120
Speaker 2: There are I mean, there are on the benefits teams,

133
00:07:04,120 --> 00:07:07,960
Speaker 2: there's people who review health policies, there's people who manage

134
00:07:08,720 --> 00:07:14,040
Speaker 2: employee health initiatives, and that is all completely possible. But

135
00:07:14,240 --> 00:07:18,200
Speaker 2: you're also you're putting this big ore of working in

136
00:07:18,440 --> 00:07:22,400
Speaker 2: my nutrition business full time. And that is where I

137
00:07:22,440 --> 00:07:27,160
Speaker 2: feel like it's tricky because part of me is like, yes,

138
00:07:27,280 --> 00:07:30,560
Speaker 2: another corporate position, I mean, a corporate position can be

139
00:07:30,600 --> 00:07:34,080
Speaker 2: a good environment shift for you. But if you're also

140
00:07:34,200 --> 00:07:37,480
Speaker 2: trying to launch a business at the same time, how

141
00:07:37,840 --> 00:07:41,560
Speaker 2: it's going to make it even more difficult to focus

142
00:07:41,600 --> 00:07:45,280
Speaker 2: on getting that corporate opportunity. And I'm just saying like

143
00:07:45,320 --> 00:07:47,320
Speaker 2: it's a lot all at once. And this is one

144
00:07:47,360 --> 00:07:49,600
Speaker 2: of those things where like when you're so desperate to

145
00:07:49,680 --> 00:07:51,720
Speaker 2: like get out of something, you're like, I'm gonna do

146
00:07:51,760 --> 00:07:53,440
Speaker 2: this and I'm gonna do that, and then it just

147
00:07:53,520 --> 00:07:57,280
Speaker 2: becomes all muddled. Does that make sense? So like I

148
00:07:57,320 --> 00:08:01,640
Speaker 2: would ask you, how, what is what does your next

149
00:08:02,040 --> 00:08:05,720
Speaker 2: role like, what are the what are the needs that

150
00:08:05,760 --> 00:08:08,400
Speaker 2: you have? You know, what are the goals that you

151
00:08:08,560 --> 00:08:12,440
Speaker 2: have right now? And how can your next move take

152
00:08:12,480 --> 00:08:15,000
Speaker 2: you in one of those goals directions? And just start there?

153
00:08:15,560 --> 00:08:18,560
Speaker 2: And it may be that a corporate job is what

154
00:08:18,600 --> 00:08:24,360
Speaker 2: you need, whether it's for benefits or for schedule, just financially,

155
00:08:24,440 --> 00:08:25,920
Speaker 2: just to have a corporate job for a little bit

156
00:08:25,960 --> 00:08:29,000
Speaker 2: longer while you continue focusing on your business. That may

157
00:08:29,000 --> 00:08:31,920
Speaker 2: be the right path. And I would just say focus

158
00:08:32,480 --> 00:08:33,960
Speaker 2: on that for now.

159
00:08:35,600 --> 00:08:46,040
Speaker 1: I'm done. No, I mean, I say, hmm, I mean

160
00:08:47,760 --> 00:08:51,520
Speaker 1: one you have. Stability is critical because nothing kills creativity

161
00:08:51,679 --> 00:08:53,800
Speaker 1: like struggling to make sure you have enough to eat

162
00:08:53,840 --> 00:08:56,240
Speaker 1: and like pay your bills with things like that. Right, So,

163
00:08:56,800 --> 00:08:58,800
Speaker 1: whatever that looks like for you to create stability to

164
00:08:58,880 --> 00:09:01,240
Speaker 1: Mandy's poor weather is staying where you are right now

165
00:09:01,559 --> 00:09:04,760
Speaker 1: and building your business or finding a corporate job, getting

166
00:09:04,800 --> 00:09:07,679
Speaker 1: settled there, getting in a good place there, and then

167
00:09:07,720 --> 00:09:11,280
Speaker 1: starting your business. Whatever that looks like, you know, making

168
00:09:11,280 --> 00:09:15,200
Speaker 1: sure that you are securing the stability component of your life,

169
00:09:15,679 --> 00:09:17,920
Speaker 1: especially if you're going to start a business. And so

170
00:09:18,400 --> 00:09:20,680
Speaker 1: you know, to Mandy's point, I wouldn't do both at

171
00:09:20,720 --> 00:09:23,120
Speaker 1: the same time. You know, if it's like I have

172
00:09:23,200 --> 00:09:25,040
Speaker 1: to get out of here, I'm drying, and then it's

173
00:09:25,080 --> 00:09:28,080
Speaker 1: like okay, then find a job, get settled, then start

174
00:09:28,120 --> 00:09:30,800
Speaker 1: a business or I can deal if I can get

175
00:09:30,800 --> 00:09:33,000
Speaker 1: my business up and running well, then stay there where

176
00:09:33,000 --> 00:09:35,920
Speaker 1: you are a little longer and you know, in between,

177
00:09:36,040 --> 00:09:38,640
Speaker 1: in the meantime between time, then you start your business.

178
00:09:38,880 --> 00:09:41,960
Speaker 1: So getting clear like so many women when they start businesses,

179
00:09:42,000 --> 00:09:44,640
Speaker 1: they're not clear on like how will I make money?

180
00:09:44,760 --> 00:09:46,520
Speaker 1: I know for the first four years I was like,

181
00:09:46,520 --> 00:09:49,120
Speaker 1: I don't know, just be good, that's not how it works.

182
00:09:49,320 --> 00:09:52,160
Speaker 1: I was like, Ea, when I'm that base ativity, Yeah,

183
00:09:52,160 --> 00:09:53,839
Speaker 1: but what are you what are you actually in the

184
00:09:53,880 --> 00:09:56,480
Speaker 1: business of? So getting clear like you know, I mean,

185
00:09:56,559 --> 00:09:59,240
Speaker 1: you know you don't have much space in the IG message,

186
00:09:59,280 --> 00:10:01,440
Speaker 1: but getting clear on if you are going to start

187
00:10:01,440 --> 00:10:04,360
Speaker 1: a business, a nutritional business, what does that actually mean?

188
00:10:04,400 --> 00:10:07,720
Speaker 1: Are you building nutritional plans for people? Are you going

189
00:10:07,760 --> 00:10:09,960
Speaker 1: to start like a group a community where people can

190
00:10:10,000 --> 00:10:12,360
Speaker 1: pay to like you know, are you going to be

191
00:10:12,880 --> 00:10:15,600
Speaker 1: like working with If it was me, I wouldn't do

192
00:10:15,679 --> 00:10:19,040
Speaker 1: this in conjunction with looking for a new job, to

193
00:10:19,080 --> 00:10:21,079
Speaker 1: Manny's point, But you can have this running in the

194
00:10:21,120 --> 00:10:24,200
Speaker 1: back of your head. So for me, if I have

195
00:10:24,280 --> 00:10:26,800
Speaker 1: to work on something that I must do for security,

196
00:10:27,040 --> 00:10:29,679
Speaker 1: I always reserve at least twenty to thirty percent to

197
00:10:29,800 --> 00:10:31,480
Speaker 1: work on my big goal, my real goal at the

198
00:10:31,520 --> 00:10:33,600
Speaker 1: back of my head. So I'll give you seventy percent

199
00:10:33,640 --> 00:10:36,000
Speaker 1: safety and security. But thirty percent is for the goal

200
00:10:36,040 --> 00:10:38,120
Speaker 1: I really want. So in the back of my head,

201
00:10:38,160 --> 00:10:40,880
Speaker 1: I'd be thinking to myself, huh, can I start connecting

202
00:10:40,920 --> 00:10:44,120
Speaker 1: with like personal trainers online that I can maybe create

203
00:10:44,200 --> 00:10:47,400
Speaker 1: the nutritional component for them, you know, because most personal

204
00:10:47,440 --> 00:10:49,920
Speaker 1: trainers they don't also have nutritional I mean, I'm assuming

205
00:10:49,960 --> 00:10:52,040
Speaker 1: you have, like you like maybe you went to school

206
00:10:52,120 --> 00:10:55,880
Speaker 1: for nutrition, your license or whatever. So I would start

207
00:10:55,880 --> 00:10:58,200
Speaker 1: to reach out to people because then they can increase

208
00:10:58,240 --> 00:11:01,280
Speaker 1: their services and you can get paid, you know, and

209
00:11:01,320 --> 00:11:03,439
Speaker 1: so like I would be like thinking of, like, what

210
00:11:03,440 --> 00:11:07,920
Speaker 1: what ways one of how can I monetize the nutrition business,

211
00:11:08,200 --> 00:11:09,520
Speaker 1: and how can I do so where I don't have

212
00:11:09,600 --> 00:11:11,920
Speaker 1: to work so hard. There are trainers out there. They

213
00:11:12,320 --> 00:11:13,720
Speaker 1: they seem great. You're like, oh, they already have one

214
00:11:13,760 --> 00:11:15,920
Speaker 1: hundred thousand followers. They seem to be doing great. Let

215
00:11:16,000 --> 00:11:18,400
Speaker 1: me connect with them. I don't have to look for customers.

216
00:11:18,559 --> 00:11:20,880
Speaker 1: They have the customer. I can say, girl, I do this,

217
00:11:20,880 --> 00:11:24,240
Speaker 1: this and this, we could charge an extra hundred bucks

218
00:11:24,280 --> 00:11:25,840
Speaker 1: a month for this, and then we could do a

219
00:11:25,880 --> 00:11:29,120
Speaker 1: seventy thirty fifty to fifty sixty forty split these This

220
00:11:29,160 --> 00:11:30,920
Speaker 1: is the kind of thinking that I'd be thinking on

221
00:11:30,960 --> 00:11:35,360
Speaker 1: that side. But I first and foremost secure, like mine,

222
00:11:35,840 --> 00:11:38,280
Speaker 1: I make enough money to pay my bills. If your

223
00:11:38,320 --> 00:11:39,920
Speaker 1: current job does that, and you don't mind staying a

224
00:11:39,960 --> 00:11:42,800
Speaker 1: little longer while growing your business. Great, If you hate

225
00:11:42,840 --> 00:11:45,520
Speaker 1: it so much so that it's dragging you down, then

226
00:11:45,559 --> 00:11:48,120
Speaker 1: find another job and then start to build the business.

227
00:11:48,120 --> 00:11:49,880
Speaker 1: But these are the types of questions I want you

228
00:11:50,000 --> 00:11:53,480
Speaker 1: be asking yourself in the background. That's what I'd be thinking,

229
00:11:53,520 --> 00:11:55,320
Speaker 1: you know, Like I wouldn't just dip off and slide off.

230
00:11:55,320 --> 00:11:56,880
Speaker 1: I'm like, no, no, no, let's make a plan for

231
00:11:56,920 --> 00:11:59,000
Speaker 1: how am I going to make money? Because so many

232
00:11:59,000 --> 00:12:01,400
Speaker 1: women don't have a hell do I money plan in place?

233
00:12:01,520 --> 00:12:04,720
Speaker 2: And yeah, and I mean the making of having your

234
00:12:04,720 --> 00:12:07,880
Speaker 2: own business, it's really tough to have the you know,

235
00:12:08,080 --> 00:12:10,120
Speaker 2: to have It's one thing to know how to make

236
00:12:10,160 --> 00:12:13,040
Speaker 2: the money, but it's like and then build consistency into it,

237
00:12:13,480 --> 00:12:16,160
Speaker 2: especially with a business where you are the only like

238
00:12:16,200 --> 00:12:19,720
Speaker 2: you are the things that you're selling, you know. So

239
00:12:20,080 --> 00:12:23,280
Speaker 2: I mean, I'm just conservative in the in the approach

240
00:12:23,320 --> 00:12:25,319
Speaker 2: of like, going all in on a business right now

241
00:12:25,360 --> 00:12:28,280
Speaker 2: may not be the best bet for you, because you

242
00:12:28,320 --> 00:12:31,000
Speaker 2: sound really like you want something different you're really struggling,

243
00:12:31,040 --> 00:12:33,400
Speaker 2: like your mental health, you're your person, your physical health

244
00:12:33,440 --> 00:12:36,400
Speaker 2: is in jeopardy. And you want a change in a business,

245
00:12:36,520 --> 00:12:38,920
Speaker 2: is only going to be more stressed. Yeah, and yes,

246
00:12:39,520 --> 00:12:43,000
Speaker 2: let's just keep it one hundred. And also like you

247
00:12:43,040 --> 00:12:45,480
Speaker 2: also have high expectations for yourself. You talk about you're

248
00:12:45,480 --> 00:12:47,240
Speaker 2: not making as much as you'd like to. You want

249
00:12:47,240 --> 00:12:51,880
Speaker 2: something more fulfilling, higher paying, more creative. And when it's

250
00:12:51,880 --> 00:12:54,240
Speaker 2: your own business, like it's just it can be isolating,

251
00:12:54,280 --> 00:12:57,679
Speaker 2: it can be lonely. It's like Tiffany said, so brilliantly.

252
00:12:57,760 --> 00:12:59,720
Speaker 2: I don't think i'd heard that before, but it's so

253
00:12:59,800 --> 00:13:03,600
Speaker 2: true when you are financially stressed. Yes, creativity is really

254
00:13:03,600 --> 00:13:05,960
Speaker 2: hard because it's hard to be free and open and

255
00:13:06,320 --> 00:13:09,800
Speaker 2: big ideas and I can do anything, you know, So

256
00:13:10,040 --> 00:13:13,240
Speaker 2: for you it could be about okay, like zoom back

257
00:13:13,240 --> 00:13:14,920
Speaker 2: out a little bit and let's just say I don't

258
00:13:14,920 --> 00:13:17,160
Speaker 2: have to do everything right now. Yes, she says she's

259
00:13:17,200 --> 00:13:19,840
Speaker 2: only been doing this for three years plus two in education.

260
00:13:20,000 --> 00:13:22,079
Speaker 2: So if you've only been working I'm just going to

261
00:13:22,120 --> 00:13:24,960
Speaker 2: assume professionally for five years, you're like win in your

262
00:13:24,960 --> 00:13:28,440
Speaker 2: mid twenties, mid to late twenties, it's okay. You know,

263
00:13:28,559 --> 00:13:30,400
Speaker 2: what you've learned is the type of job you have

264
00:13:30,520 --> 00:13:34,480
Speaker 2: now is not for you. But opportunities are totally out there,

265
00:13:34,520 --> 00:13:36,640
Speaker 2: you know. I mean, I know I've worked with clients

266
00:13:36,679 --> 00:13:40,480
Speaker 2: who are educators in hospital systems and they'll be in

267
00:13:40,559 --> 00:13:43,760
Speaker 2: charge of the diabetes education program and they work with

268
00:13:43,840 --> 00:13:46,720
Speaker 2: patients who are struggling with diabetes or work with people

269
00:13:46,720 --> 00:13:50,880
Speaker 2: who have high blood pressure and educate them. And gosh,

270
00:13:50,920 --> 00:13:52,720
Speaker 2: I mean even I was on the phone earlier today

271
00:13:52,760 --> 00:13:58,079
Speaker 2: my dad's he had a big, big meeting about potentially

272
00:13:58,080 --> 00:14:01,520
Speaker 2: getting some kind of organ transplant and and uh that

273
00:14:02,160 --> 00:14:05,480
Speaker 2: the first like hour was an educational video you know,

274
00:14:05,640 --> 00:14:09,600
Speaker 2: with with nutritional experts and the need for nutrition education

275
00:14:09,840 --> 00:14:14,360
Speaker 2: so huge right now that I think there's opportunities that

276
00:14:14,400 --> 00:14:17,360
Speaker 2: are just everywhere, you know, if you're if you look

277
00:14:17,400 --> 00:14:19,080
Speaker 2: and you can think a little bit outside the box.

278
00:14:19,680 --> 00:14:22,200
Speaker 2: But again, you need to find your excitement about it, yes,

279
00:14:22,280 --> 00:14:24,320
Speaker 2: and figure out what you do love about it and

280
00:14:25,000 --> 00:14:29,080
Speaker 2: focus on that, because that is what's going to be

281
00:14:29,120 --> 00:14:32,920
Speaker 2: able to like give you the the magnetic energy to

282
00:14:33,040 --> 00:14:36,760
Speaker 2: attract you know, the next right role for yourself in corporate.

283
00:14:36,760 --> 00:14:38,160
Speaker 2: You're not going to go in there and be like, Oh,

284
00:14:39,280 --> 00:14:41,080
Speaker 2: I didn't know that I was burnt out. No one

285
00:14:41,200 --> 00:14:45,200
Speaker 2: was like the audience wasn't engaged, you know, like, come on,

286
00:14:45,880 --> 00:14:47,880
Speaker 2: you're gonna want to bring a much more positive energy

287
00:14:47,880 --> 00:14:49,800
Speaker 2: into your next your next role.

288
00:14:50,520 --> 00:14:56,920
Speaker 1: Well aja we help that helps school guy whomever. Yeah,

289
00:14:57,000 --> 00:14:59,240
Speaker 1: So we're gonna take a break and be right back

290
00:14:59,400 --> 00:15:01,200
Speaker 1: with another interesting question.

291
00:15:01,320 --> 00:15:09,480
Speaker 2: Al Riba fan, We are back with our second question

292
00:15:09,640 --> 00:15:12,320
Speaker 2: from someone who like to remain anonymous, but has a

293
00:15:12,360 --> 00:15:16,080
Speaker 2: really interesting question. They say, I love your podcast. Listen

294
00:15:16,160 --> 00:15:19,280
Speaker 2: every week all caps, Okay, I believe you. Every week.

295
00:15:19,880 --> 00:15:21,920
Speaker 2: I have a career question. I'm a contractor at a

296
00:15:21,960 --> 00:15:24,920
Speaker 2: fortune five hundred bank. I had my first phone interview

297
00:15:24,920 --> 00:15:27,680
Speaker 2: with a recruiter for a permanent position within the company

298
00:15:27,720 --> 00:15:31,520
Speaker 2: this week. He mentioned background checks regarding credit. But my

299
00:15:31,600 --> 00:15:34,320
Speaker 2: credit score. My credit scores are not great. They're in

300
00:15:34,360 --> 00:15:37,560
Speaker 2: the high five hundreds, but almost six hundred and neither

301
00:15:37,720 --> 00:15:40,640
Speaker 2: is my credit report. Do you ladies think they will

302
00:15:40,680 --> 00:15:43,600
Speaker 2: reject me because of this? I am the top performer

303
00:15:43,680 --> 00:15:45,800
Speaker 2: of the group of contractors that I was hired with,

304
00:15:45,880 --> 00:15:48,040
Speaker 2: and I have a really good track record since beginning

305
00:15:48,120 --> 00:15:50,160
Speaker 2: at the company. Since being at the company.

306
00:15:50,720 --> 00:15:51,400
Speaker 1: The issue with.

307
00:15:51,360 --> 00:15:54,520
Speaker 2: My credit report happened earlier in my twenties twenty through

308
00:15:54,560 --> 00:15:58,240
Speaker 2: twenty four, but I'm much smarter now at twenty seven.

309
00:15:58,800 --> 00:16:01,600
Speaker 2: Any advice and insight be greatly appreciated. I love you

310
00:16:01,680 --> 00:16:02,960
Speaker 2: ladies like my own aunts.

311
00:16:03,760 --> 00:16:06,840
Speaker 1: You know that's allowed. So if you you see you

312
00:16:06,920 --> 00:16:09,160
Speaker 1: don't call her your young girl, so you could be

313
00:16:09,160 --> 00:16:11,440
Speaker 1: your sister kind of thing. No, No, I don't mind,

314
00:16:11,440 --> 00:16:13,280
Speaker 1: because you have a two in front of your number

315
00:16:13,320 --> 00:16:15,760
Speaker 1: for me seven, you know, So I'm like, you know, man,

316
00:16:15,800 --> 00:16:17,320
Speaker 1: you still got three in front of your number. So

317
00:16:17,440 --> 00:16:19,120
Speaker 1: I have a four in front of my number. So

318
00:16:19,240 --> 00:16:21,200
Speaker 1: if you have a two, I could be your auntie.

319
00:16:21,440 --> 00:16:24,480
Speaker 1: If you have the three and a high did you

320
00:16:24,560 --> 00:16:27,480
Speaker 1: after the three? I'm not your auntie. Sis not have

321
00:16:27,560 --> 00:16:30,560
Speaker 1: five years older than you. You tried it, try again.

322
00:16:30,840 --> 00:16:31,480
Speaker 1: We're sisters.

323
00:16:33,080 --> 00:16:35,400
Speaker 2: She's this good thing, all right, So I'm gonna call

324
00:16:35,440 --> 00:16:39,160
Speaker 2: you niece. Then hey me like where your aunties? You're niecy?

325
00:16:39,240 --> 00:16:41,440
Speaker 1: Okay? Oh? Man? All right.

326
00:16:41,520 --> 00:16:44,000
Speaker 2: So the first question I have was, let me google

327
00:16:44,040 --> 00:16:47,080
Speaker 2: this again. Because credit checks and credit score checks are

328
00:16:47,200 --> 00:16:50,160
Speaker 2: very different. It is my understanding that it's not it's

329
00:16:50,200 --> 00:16:52,360
Speaker 2: not uncommon, especially in finance, until.

330
00:16:52,160 --> 00:16:54,520
Speaker 1: They're talking a little bit in law too, in law.

331
00:16:55,920 --> 00:16:58,840
Speaker 2: For in the typical background check for them to also

332
00:16:58,920 --> 00:17:01,000
Speaker 2: look for, they're probably gonna do like a soft credit

333
00:17:01,080 --> 00:17:04,640
Speaker 2: check of some kind. They probably will not be able

334
00:17:04,640 --> 00:17:07,200
Speaker 2: to see your scores. I don't think that credit score

335
00:17:07,520 --> 00:17:09,800
Speaker 2: is a part of that, but they may get some

336
00:17:09,880 --> 00:17:14,640
Speaker 2: like baseline information about your credit history. And the first

337
00:17:14,680 --> 00:17:17,159
Speaker 2: thing when she said in my twenties, I'm like, has

338
00:17:17,200 --> 00:17:19,480
Speaker 2: it been seven years yet, because it'll fall off your credit.

339
00:17:19,520 --> 00:17:21,359
Speaker 1: Girl, it was like three years ago. And they're like, oh,

340
00:17:21,640 --> 00:17:23,400
Speaker 1: not yesterday.

341
00:17:23,640 --> 00:17:26,760
Speaker 2: Yeah, I mean I don't I really don't know, like

342
00:17:27,359 --> 00:17:29,679
Speaker 2: how detail it depends on how detailed the report is.

343
00:17:29,720 --> 00:17:32,119
Speaker 2: Maybe I would ask, I mean you don't want to,

344
00:17:32,119 --> 00:17:34,360
Speaker 2: like go ahead, And I don't think you should mention

345
00:17:34,480 --> 00:17:36,679
Speaker 2: it because then there might be like, oh, she seems

346
00:17:36,680 --> 00:17:40,959
Speaker 2: nervous about this. Looks really hard. But yeah, they I

347
00:17:41,119 --> 00:17:43,679
Speaker 2: did have a friend who didn't get a job and

348
00:17:43,760 --> 00:17:46,000
Speaker 2: part of that was the financial background check that was

349
00:17:46,000 --> 00:17:49,639
Speaker 2: for a law firm. How Yeah, I don't know.

350
00:17:49,720 --> 00:17:52,840
Speaker 1: I feel like you gotta let it happen.

351
00:17:53,359 --> 00:17:55,960
Speaker 2: And if you do get rejected based on that, I

352
00:17:55,960 --> 00:17:59,520
Speaker 2: think you'll know exactly why and that is really unfortunate.

353
00:17:59,640 --> 00:18:03,000
Speaker 2: But you know, I would just focus on continuing to

354
00:18:03,040 --> 00:18:06,640
Speaker 2: be really good at what you do and getting hired

355
00:18:06,680 --> 00:18:10,439
Speaker 2: at a different you know company, or just staying as

356
00:18:10,480 --> 00:18:14,040
Speaker 2: a contractor. And let this be like a huge Oh,

357
00:18:14,119 --> 00:18:17,720
Speaker 2: I'm never going to forget how this financial behavior of mine,

358
00:18:17,960 --> 00:18:20,680
Speaker 2: you know, lost me helped me put me in a

359
00:18:20,720 --> 00:18:22,359
Speaker 2: position where I wasn't able to get a job that

360
00:18:22,400 --> 00:18:23,000
Speaker 2: I was good at.

361
00:18:25,560 --> 00:18:32,600
Speaker 1: May not may wanted to hear, but I yeah, because banks,

362
00:18:32,600 --> 00:18:34,480
Speaker 1: you know you, I mean, you're working with money, and

363
00:18:34,520 --> 00:18:36,080
Speaker 1: so it's not just banks. I mean I remember it

364
00:18:36,119 --> 00:18:37,639
Speaker 1: was a woman who was working at a call center

365
00:18:38,000 --> 00:18:40,720
Speaker 1: for like a trucking call center. She didn't get it

366
00:18:40,720 --> 00:18:44,840
Speaker 1: because of her credit, my my mental my mentee at

367
00:18:44,840 --> 00:18:46,919
Speaker 1: the time, she was just graduating in law school. She

368
00:18:46,960 --> 00:18:48,920
Speaker 1: wasn't able to get a job because of her credit.

369
00:18:48,960 --> 00:18:52,399
Speaker 1: Because they were looking because I guess whatever that job was.

370
00:18:52,680 --> 00:18:55,359
Speaker 1: They felt like having poor credit would put you in

371
00:18:55,400 --> 00:18:59,280
Speaker 1: position to maybe make decisions that weren't aligned with what

372
00:18:59,359 --> 00:19:01,520
Speaker 1: the type of person they were looking for. And let's

373
00:19:01,560 --> 00:19:03,320
Speaker 1: just say that you don't get this job. The good

374
00:19:03,320 --> 00:19:06,480
Speaker 1: thing is credit is fixable, you know what I mean.

375
00:19:06,720 --> 00:19:08,800
Speaker 1: And so, like to Mandy's point, I would let it

376
00:19:08,840 --> 00:19:11,440
Speaker 1: play out and then for whatever reason they come back

377
00:19:11,440 --> 00:19:14,600
Speaker 1: and they say, oh, your credit, then you can say, well,

378
00:19:14,640 --> 00:19:16,520
Speaker 1: would I be able to be considered again in another

379
00:19:16,600 --> 00:19:18,639
Speaker 1: six months? And then you work your behind off for

380
00:19:18,640 --> 00:19:20,920
Speaker 1: six months to get your credit together. The good thing

381
00:19:20,960 --> 00:19:23,840
Speaker 1: is you're very young. NCI twenty seven is a go.

382
00:19:24,800 --> 00:19:31,399
Speaker 1: I'm just the baby right, very young, and so you know,

383
00:19:31,440 --> 00:19:33,200
Speaker 1: so many of us made our mistakes. The Lord knows

384
00:19:33,240 --> 00:19:35,840
Speaker 1: I have, and so you can use the next six

385
00:19:35,880 --> 00:19:38,520
Speaker 1: to eight months to get your credit together and be

386
00:19:38,600 --> 00:19:41,320
Speaker 1: considered again. What it sounds like is that one you know,

387
00:19:41,440 --> 00:19:45,520
Speaker 1: you are already someone that they're considering. You're a top producer,

388
00:19:46,080 --> 00:19:48,320
Speaker 1: you know, someone that they're considering for a job. So

389
00:19:48,359 --> 00:19:50,480
Speaker 1: that's going to happen again. And the truth of the

390
00:19:50,520 --> 00:19:52,680
Speaker 1: matter is sometimes this is the thing before the thing,

391
00:19:53,160 --> 00:19:55,720
Speaker 1: that's what I call it, meaning that let's just say

392
00:19:55,760 --> 00:19:57,880
Speaker 1: worst case here, or you don't get this job. Maybe

393
00:19:57,920 --> 00:19:59,480
Speaker 1: you weren't supposed to get this job, this job was

394
00:19:59,480 --> 00:20:01,760
Speaker 1: supposed to keep. But the gear to fixing this credit

395
00:20:02,400 --> 00:20:05,360
Speaker 1: so that because a bigger job is coming that absolutely

396
00:20:05,400 --> 00:20:07,800
Speaker 1: needs that credit. So this is the thing to get

397
00:20:07,840 --> 00:20:10,000
Speaker 1: you ready for the actual thing, if that makes sense.

398
00:20:10,040 --> 00:20:13,280
Speaker 1: In these you know so either way, let this be

399
00:20:13,400 --> 00:20:15,280
Speaker 1: a I need to get my credit together. If you're

400
00:20:15,320 --> 00:20:19,560
Speaker 1: not sure how where there's so many free credit tools.

401
00:20:19,600 --> 00:20:23,800
Speaker 1: I have one, the Literature Challenge Credit Edition. It's free,

402
00:20:24,240 --> 00:20:26,280
Speaker 1: go to LRC credit dot com. We say that's the

403
00:20:26,320 --> 00:20:27,600
Speaker 1: leaving up because job in a while.

404
00:20:27,760 --> 00:20:30,320
Speaker 2: When something's credit is that low in the five hundreds,

405
00:20:30,640 --> 00:20:32,119
Speaker 2: you know, I think it's also going to matter, like

406
00:20:32,200 --> 00:20:34,640
Speaker 2: what exactly is on your report? Is it a lot

407
00:20:34,640 --> 00:20:37,600
Speaker 2: of delinquent debt? Is it older? Like is it you know,

408
00:20:37,640 --> 00:20:39,560
Speaker 2: you're twenty seven now, if you have a few years

409
00:20:39,560 --> 00:20:42,359
Speaker 2: of good, healthy credit behavior, maybe that will work in

410
00:20:42,400 --> 00:20:46,360
Speaker 2: your favor. I think when companies pull your reports like this,

411
00:20:46,680 --> 00:20:49,520
Speaker 2: they don't want to see tons of debt that you're

412
00:20:49,560 --> 00:20:53,480
Speaker 2: currently in or like it's currently like badly badly delinquent

413
00:20:54,320 --> 00:20:58,640
Speaker 2: like collections and even a bankruptcy. Have you ever foiled bankruptcy?

414
00:20:58,800 --> 00:21:03,000
Speaker 1: Forclosures like that? You're looking for leans, I'm sure because

415
00:21:03,000 --> 00:21:06,800
Speaker 1: they're looking for like would you make a really dumbest

416
00:21:06,840 --> 00:21:09,199
Speaker 1: decision with our money because of the decision that you're in,

417
00:21:09,480 --> 00:21:12,200
Speaker 1: meaning like like you know, maybe you know especially like

418
00:21:12,280 --> 00:21:14,520
Speaker 1: let's just say tellers, right, you're like, yo, you're really

419
00:21:14,600 --> 00:21:16,399
Speaker 1: running through money. So if you all of a sudden

420
00:21:16,440 --> 00:21:18,160
Speaker 1: you get a call from your debt collector that says,

421
00:21:18,400 --> 00:21:20,320
Speaker 1: pay this money or lose your house, you know, would

422
00:21:20,359 --> 00:21:23,760
Speaker 1: you slip a twenty into your pocket? You know there's

423
00:21:23,760 --> 00:21:26,240
Speaker 1: something you know like something like that, but also too,

424
00:21:26,400 --> 00:21:27,240
Speaker 1: it's just making.

425
00:21:27,080 --> 00:21:30,600
Speaker 2: You described or blackmailed based on your debt.

426
00:21:30,960 --> 00:21:35,200
Speaker 1: Yes and so so Yeah, LRC credit is still available.

427
00:21:35,200 --> 00:21:37,840
Speaker 1: It's free. It's our Liverature Challenge Credit edition is totally free,

428
00:21:37,880 --> 00:21:39,760
Speaker 1: So you can sign up for that if you're wanting,

429
00:21:40,119 --> 00:21:41,800
Speaker 1: I may walk you through. It's twenty two days, walks

430
00:21:41,840 --> 00:21:45,200
Speaker 1: you through step by step fixing your credit for free.

431
00:21:45,640 --> 00:21:47,440
Speaker 1: But yeah, that's what I would focus on. I would

432
00:21:47,480 --> 00:21:49,960
Speaker 1: focus on so worst case scenario, if you don't get

433
00:21:49,960 --> 00:21:51,320
Speaker 1: this job, will you still be able to be a

434
00:21:51,359 --> 00:21:54,199
Speaker 1: contractor with them? So continue to do that, ask them

435
00:21:54,240 --> 00:21:57,159
Speaker 1: if you can revisit in six eight months, you know,

436
00:21:57,359 --> 00:22:00,119
Speaker 1: to and fix your credit. In the meantime, here's some

437
00:22:00,160 --> 00:22:02,199
Speaker 1: things you can do to fix your credit. One, you

438
00:22:02,200 --> 00:22:04,440
Speaker 1: have to make on time payments. If you haven't automated

439
00:22:04,440 --> 00:22:07,560
Speaker 1: your like your your payments, do so. I like to

440
00:22:07,560 --> 00:22:10,760
Speaker 1: have a separate bank account just for bills, you know,

441
00:22:10,800 --> 00:22:12,560
Speaker 1: So that way, all of my payments can come out

442
00:22:12,600 --> 00:22:15,040
Speaker 1: of that bill's account. So I have two checking accounts,

443
00:22:15,040 --> 00:22:17,200
Speaker 1: one for like where I swipe my debit card and

444
00:22:17,400 --> 00:22:19,720
Speaker 1: spending and things like that, and then one just for bills.

445
00:22:19,720 --> 00:22:21,719
Speaker 1: And I don't attach a debit card. You can literally

446
00:22:21,760 --> 00:22:24,159
Speaker 1: detach a debit card from that bill's account, so you

447
00:22:24,200 --> 00:22:28,040
Speaker 1: can't accidentally swipe away your bill money. Two, paying off

448
00:22:28,080 --> 00:22:30,679
Speaker 1: a debt in full every month is really helpful. And

449
00:22:30,720 --> 00:22:32,440
Speaker 1: so I like to get a credit card that already

450
00:22:32,480 --> 00:22:34,479
Speaker 1: has a zero balance. So if you don't have one,

451
00:22:34,520 --> 00:22:37,439
Speaker 1: you can totally open one up. Because your credit is

452
00:22:37,480 --> 00:22:41,399
Speaker 1: not for girls. You can look for a secured credit card,

453
00:22:42,000 --> 00:22:44,360
Speaker 1: you know to do this with. So secured credit card

454
00:22:44,400 --> 00:22:47,600
Speaker 1: is a credit card with training wheels. And you could

455
00:22:47,600 --> 00:22:50,040
Speaker 1: get secure credit card from the lowest of the low

456
00:22:50,160 --> 00:22:52,400
Speaker 1: and like three hundred dollars typically a wards of six

457
00:22:52,440 --> 00:22:55,320
Speaker 1: hundred dollars. Is that that's not what you pay for it,

458
00:22:55,400 --> 00:22:57,600
Speaker 1: but that's the money that you give the bank. The

459
00:22:57,640 --> 00:22:59,720
Speaker 1: bank puts it in a savings account or money and

460
00:22:59,760 --> 00:23:02,600
Speaker 1: market account for you and says that's your limit. So

461
00:23:02,640 --> 00:23:04,680
Speaker 1: when you have your card, you know you can't spend

462
00:23:04,680 --> 00:23:08,480
Speaker 1: over six hundred dollars because they feel comfortable and having

463
00:23:08,520 --> 00:23:10,560
Speaker 1: because normally when you swipe a card, you're borrowing from

464
00:23:10,600 --> 00:23:13,160
Speaker 1: the bank. But if they have your security deposit, they

465
00:23:13,160 --> 00:23:16,880
Speaker 1: know worst case scenario, if niece doesn't pay us back,

466
00:23:16,920 --> 00:23:19,600
Speaker 1: we'll just use the money from her bank account. Another

467
00:23:20,200 --> 00:23:23,320
Speaker 1: great tool. Another great tool to raise your credit score,

468
00:23:23,359 --> 00:23:25,640
Speaker 1: because they're going to look to see your credit score

469
00:23:25,720 --> 00:23:28,520
Speaker 1: is also based upon what kind of debt how have

470
00:23:28,600 --> 00:23:31,520
Speaker 1: you properly managed. So one is called revolving debt, which

471
00:23:31,560 --> 00:23:35,480
Speaker 1: is credit cards, and one is called installment loans, which

472
00:23:35,600 --> 00:23:39,440
Speaker 1: is like your mortgage or car no student loans. And

473
00:23:39,520 --> 00:23:41,520
Speaker 1: the way one tool you can use for that is

474
00:23:41,560 --> 00:23:45,560
Speaker 1: this company called Self like me myself and I'm and

475
00:23:45,600 --> 00:23:48,600
Speaker 1: I like self because the way Self work or it's

476
00:23:48,600 --> 00:23:50,239
Speaker 1: called a credit builder loan. You don't have to use

477
00:23:50,280 --> 00:23:52,840
Speaker 1: Self if you have a credit union. Oftentimes they have

478
00:23:52,920 --> 00:23:54,240
Speaker 1: credit builder loans as well.

479
00:23:54,359 --> 00:23:55,840
Speaker 2: My dad used one of those. I was going to

480
00:23:55,880 --> 00:23:57,080
Speaker 2: say credit builder loans.

481
00:23:56,960 --> 00:23:59,679
Speaker 1: Yes, So credit builder loan, personal loan, yes. And so

482
00:23:59,720 --> 00:24:01,840
Speaker 1: what I like about credit builder loans and like Self

483
00:24:01,880 --> 00:24:04,680
Speaker 1: does this, but like credit unions do this too, is

484
00:24:04,720 --> 00:24:06,359
Speaker 1: that is I call it like the fake out loan.

485
00:24:06,680 --> 00:24:09,639
Speaker 1: You go to like a credit union or or like

486
00:24:09,720 --> 00:24:11,880
Speaker 1: a self right and say hey, I want to quote

487
00:24:11,920 --> 00:24:14,919
Speaker 1: unquote borrow money, and they will say you take the

488
00:24:15,000 --> 00:24:17,000
Speaker 1: least amount of money possible. I think for self it's

489
00:24:17,040 --> 00:24:19,680
Speaker 1: like five hundred bucks. And they actually say I will

490
00:24:19,680 --> 00:24:22,080
Speaker 1: loan you nice five hundred dollars, but they don't give

491
00:24:22,080 --> 00:24:24,439
Speaker 1: it to you. Instead, they put that five hundred dollars

492
00:24:24,480 --> 00:24:27,040
Speaker 1: in a in a savings account for you, and every

493
00:24:27,119 --> 00:24:30,159
Speaker 1: month you pay them back like you really borrow the money.

494
00:24:30,320 --> 00:24:31,760
Speaker 1: And at the end of the year they give you

495
00:24:31,800 --> 00:24:34,400
Speaker 1: back your money because you never they never actually gave

496
00:24:34,400 --> 00:24:35,960
Speaker 1: it to you, you know, didn't you borrow it, but

497
00:24:36,040 --> 00:24:37,960
Speaker 1: you didn't receive it. They give you back the money

498
00:24:37,960 --> 00:24:40,480
Speaker 1: that you paid plus the interest. And so now it

499
00:24:40,520 --> 00:24:43,520
Speaker 1: looks like, oh my gosh, like Niice, you know, went

500
00:24:43,640 --> 00:24:47,560
Speaker 1: a whole full year of paying down and offer and

501
00:24:47,640 --> 00:24:51,000
Speaker 1: paying down and off a loan. And so that is

502
00:24:51,040 --> 00:24:53,879
Speaker 1: one way to raise your credit on the installment loan side,

503
00:24:53,920 --> 00:24:56,600
Speaker 1: and one raise. One waid to raise your credit on

504
00:24:56,720 --> 00:25:00,480
Speaker 1: the revolving debt side is to get one of those,

505
00:25:00,520 --> 00:25:02,840
Speaker 1: like I said, a secured credit card and then pay

506
00:25:02,840 --> 00:25:05,720
Speaker 1: it off every month in full. Put one small bill

507
00:25:05,800 --> 00:25:08,480
Speaker 1: on it that secure credit card is to stay home.

508
00:25:08,680 --> 00:25:11,879
Speaker 1: You're gonna put your gym membership, your Netflix membership, your

509
00:25:11,880 --> 00:25:15,320
Speaker 1: Spotify membership, just one thing that's under twenty five dollars

510
00:25:15,400 --> 00:25:18,640
Speaker 1: ideally under fifty the most, right, just because I want

511
00:25:18,680 --> 00:25:20,560
Speaker 1: you to use it as little as possible. And then

512
00:25:20,720 --> 00:25:23,639
Speaker 1: you're gonna have your online where you're gonna have your

513
00:25:23,680 --> 00:25:25,840
Speaker 1: bill's account, like I told you, your separate checking account.

514
00:25:26,080 --> 00:25:29,080
Speaker 1: Pay that credit card off in full every single month.

515
00:25:29,560 --> 00:25:31,320
Speaker 1: So the card is going to be charged every month.

516
00:25:31,359 --> 00:25:33,120
Speaker 1: It's going to be paid off every month, and it's

517
00:25:33,160 --> 00:25:35,800
Speaker 1: going to look like, Wow, not only is niece paying

518
00:25:35,800 --> 00:25:38,120
Speaker 1: off her credit card every month that's revolving. That looks

519
00:25:38,119 --> 00:25:41,880
Speaker 1: so good. Niece is also paying down an installment loan

520
00:25:41,920 --> 00:25:44,200
Speaker 1: every month. That looks really good. You do those two

521
00:25:44,200 --> 00:25:46,679
Speaker 1: things together, niece, six to eight months, your credit card

522
00:25:46,760 --> 00:25:49,560
Speaker 1: is going to look cuter than you and you know,

523
00:25:49,640 --> 00:25:51,480
Speaker 1: hopefully you'll be able to apply for that job or

524
00:25:51,520 --> 00:25:52,000
Speaker 1: something else.

525
00:25:52,040 --> 00:25:54,760
Speaker 2: Again, Okay, you think that you should do that before

526
00:25:54,840 --> 00:25:55,600
Speaker 2: the background check?

527
00:25:55,640 --> 00:25:55,879
Speaker 1: Like do you?

528
00:25:55,920 --> 00:25:58,640
Speaker 2: I'm just wondering playing Devil's advocate, Like if they see

529
00:25:58,640 --> 00:26:02,159
Speaker 2: a new loan, will that raise like some kind of

530
00:26:02,200 --> 00:26:04,680
Speaker 2: red flag on the employer side.

531
00:26:04,960 --> 00:26:06,720
Speaker 1: Well, what I like about self. I don't know this

532
00:26:06,760 --> 00:26:08,320
Speaker 1: about other credit build and loans, but what I like

533
00:26:08,359 --> 00:26:11,919
Speaker 1: about self is that they don't it doesn't give a

534
00:26:12,040 --> 00:26:15,440
Speaker 1: ding on your credit report because no, no, that's not true.

535
00:26:16,000 --> 00:26:18,199
Speaker 1: What about so huh. I'm trying to remember if that's

536
00:26:18,240 --> 00:26:21,000
Speaker 1: why I liked about it. I can't remember if self,

537
00:26:21,280 --> 00:26:22,840
Speaker 1: because I didn't have you borrow money goes on your

538
00:26:22,840 --> 00:26:26,640
Speaker 1: credit report, I still would. I don't because I don't

539
00:26:26,640 --> 00:26:29,960
Speaker 1: think that having like a five hundred dollars credit builder

540
00:26:30,000 --> 00:26:31,320
Speaker 1: loan is going to be like what are you doing?

541
00:26:31,400 --> 00:26:33,359
Speaker 1: You know what I mean? Like I you know, I

542
00:26:33,920 --> 00:26:35,800
Speaker 1: I would do at least one of them. I don't think,

543
00:26:36,280 --> 00:26:38,919
Speaker 1: you know, I mean they're looking now, so you know,

544
00:26:38,920 --> 00:26:40,879
Speaker 1: I don't think that that's going to be a big deal. Yeah. So,

545
00:26:41,080 --> 00:26:43,159
Speaker 1: and I don't think getting a secured credit card for

546
00:26:43,200 --> 00:26:45,560
Speaker 1: three hundred dollars is going to be like the make

547
00:26:45,640 --> 00:26:47,800
Speaker 1: or break. It's if you were buying a home. I'd

548
00:26:47,800 --> 00:26:50,040
Speaker 1: be a girl, don't touch anything, but you're not.

549
00:26:50,280 --> 00:26:53,000
Speaker 2: Yeah yeah, yeah, yeah, yeah, that's a good point.

550
00:26:53,080 --> 00:26:55,000
Speaker 1: Yeah. So the sooner you start, the better niece, and

551
00:26:55,040 --> 00:26:56,520
Speaker 1: then you know, now you know better you could do

552
00:26:56,600 --> 00:26:58,960
Speaker 1: better and that way you. You know, the thing about

553
00:26:58,960 --> 00:27:00,359
Speaker 1: credit is that like it's like you need to know

554
00:27:00,440 --> 00:27:02,040
Speaker 1: me before you need me. Let this be a warning

555
00:27:02,080 --> 00:27:04,720
Speaker 1: to all y'all here looking for jobs, get your credit together,

556
00:27:04,880 --> 00:27:07,080
Speaker 1: because you never know what people are gonna what job

557
00:27:07,200 --> 00:27:08,800
Speaker 1: is going to be looking at your credit in order

558
00:27:08,840 --> 00:27:10,240
Speaker 1: to hire you, So you want to already have that

559
00:27:10,320 --> 00:27:11,640
Speaker 1: strong and have to think about it.

560
00:27:12,480 --> 00:27:14,560
Speaker 2: I love you know how it feels when you go

561
00:27:14,680 --> 00:27:17,280
Speaker 2: to someone who you really love and admire and you

562
00:27:17,320 --> 00:27:18,960
Speaker 2: go to them and you fess up to something that

563
00:27:19,000 --> 00:27:20,800
Speaker 2: you've done wrong and they just don't make you feel

564
00:27:20,800 --> 00:27:23,120
Speaker 2: like shit about it. I just love that she came

565
00:27:23,160 --> 00:27:27,159
Speaker 2: to us with like this because like, as your cool aunts,

566
00:27:27,200 --> 00:27:30,040
Speaker 2: I feel like we can hear you, and like we

567
00:27:30,080 --> 00:27:32,240
Speaker 2: don't like, obviously you know you did wrong and all that,

568
00:27:32,280 --> 00:27:33,639
Speaker 2: but we're still going to like, here's a seat at

569
00:27:33,640 --> 00:27:36,159
Speaker 2: the table, let's pour your glass of wine, let's talk

570
00:27:36,200 --> 00:27:37,560
Speaker 2: about what we can do moving forward.

571
00:27:37,640 --> 00:27:39,640
Speaker 1: And yeah, because girl, we have been there, been there,

572
00:27:39,720 --> 00:27:42,359
Speaker 1: done that. Girl messed up my whole life with credit,

573
00:27:42,400 --> 00:27:44,760
Speaker 1: and we here to tell the tale, honey, So not

574
00:27:44,800 --> 00:27:45,320
Speaker 1: to judge.

575
00:27:45,359 --> 00:27:47,960
Speaker 2: You know, you got a few years. Just keep keep

576
00:27:48,000 --> 00:27:50,680
Speaker 2: on the straight and narrow. Okay, you got a few

577
00:27:50,720 --> 00:27:52,840
Speaker 2: years and all that bad behavior will just fall off.

578
00:27:53,320 --> 00:27:54,119
Speaker 1: It's seven years.

579
00:27:54,160 --> 00:27:57,200
Speaker 2: It does kind of fly by sometimes speaking of someone

580
00:27:58,080 --> 00:27:59,119
Speaker 2: account we.

581
00:27:58,960 --> 00:28:00,800
Speaker 1: Weren't just like we didn't even shout her out, Like

582
00:28:00,840 --> 00:28:03,639
Speaker 1: the fact is girl, niece, what does she say, I'm

583
00:28:03,680 --> 00:28:06,159
Speaker 1: the top performer of the group of contractors that I

584
00:28:06,160 --> 00:28:09,840
Speaker 1: was hard with, Niece? We forgot girl. Yes, you're that girl. Okay,

585
00:28:10,640 --> 00:28:14,400
Speaker 1: Like so that, I promise you, being the top performer

586
00:28:14,440 --> 00:28:17,080
Speaker 1: at a fortune five hundred bank is much harder than

587
00:28:17,080 --> 00:28:19,240
Speaker 1: fixing you a little bit of credit score. Okay, you

588
00:28:19,359 --> 00:28:21,880
Speaker 1: have all the skills necessary. So we want to applaud

589
00:28:21,920 --> 00:28:24,000
Speaker 1: you for being that girl. Okay, so we want you

590
00:28:24,040 --> 00:28:25,720
Speaker 1: to be that girl with that job.

591
00:28:27,480 --> 00:28:29,720
Speaker 2: Look, I want an update, okay, Nie, Yes, we need

592
00:28:29,760 --> 00:28:31,800
Speaker 2: an update. Let us know how things go slide back

593
00:28:31,840 --> 00:28:34,280
Speaker 2: And for our DMS NBA fan, if you would like

594
00:28:34,280 --> 00:28:37,400
Speaker 2: to have your question answered by your favorite financial aunties,

595
00:28:37,840 --> 00:28:41,560
Speaker 2: please dm us on ig. We are at Brand Ambition Podcast.

596
00:28:41,680 --> 00:28:44,440
Speaker 2: You can also hit us up on gmail. Brand Ambison

597
00:28:44,440 --> 00:28:48,520
Speaker 2: Podcast at gmail dot com and we can't wait to

598
00:28:48,520 --> 00:28:49,760
Speaker 2: get more of y'all's questions.

599
00:28:50,280 --> 00:28:52,880
Speaker 1: Yes until next week, y'all share, Oh yeah, share the well,

600
00:28:52,960 --> 00:28:55,160
Speaker 1: if you know this was a good episode, don't play yourself.

601
00:28:55,160 --> 00:28:57,840
Speaker 1: Go ahead and she had the sample. Oh and Kendrick lamar.

602
00:28:57,960 --> 00:29:04,640
Speaker 2: One we oh won the beef battle. Bro I didn't

603
00:29:04,680 --> 00:29:06,760
Speaker 2: listened to a single disc track, but I have been

604
00:29:06,800 --> 00:29:10,040
Speaker 2: listening to the discord and I have nothing to say

605
00:29:10,080 --> 00:29:10,560
Speaker 2: on that matter.

606
00:29:10,920 --> 00:29:19,600
Speaker 1: Bye, b a fan, Bye,