WEBVTT - Burnout Is Bad For Your Health 0:00:05.240 --> 0:00:09.799 It's time for the big a q a a b 0:00:10.080 --> 0:00:13.400 a q A, which is the big a q eight 0:00:13.560 --> 0:00:16.680 man d b a q A with A to b 0:00:16.760 --> 0:00:21.239 a q a A. So if you have questions, we 0:00:21.280 --> 0:00:24.880 have answers, but be mindful that we're not your doctor, 0:00:25.079 --> 0:00:28.479 not your attorney, not your financial advisor, but your friend. 0:00:28.960 --> 0:00:31.480 So if you want to sue somebody else, choose your 0:00:31.560 --> 0:00:34.400 brother and them. Okay, So take a we say with 0:00:34.400 --> 0:00:36.320 the smile screen of salt. If you have questions, you 0:00:36.320 --> 0:00:39.839 can go to Brannivision podcast dot com and click contact 0:00:39.920 --> 0:00:41.920 us and that's questions there. We prefer though, if you 0:00:41.960 --> 0:00:45.400 slide in our I g d MS Brina Vision Pod 0:00:45.760 --> 0:00:49.720 podcast and ask us questions there. If you want to 0:00:49.720 --> 0:00:52.400 be left anonymous, please give us a fake name. Make 0:00:52.479 --> 0:00:55.600 it fun, make it saucy, make it make it sexy 0:00:55.600 --> 0:01:00.440 even Okay, So we take questions about entrepreneurship, Corey, your 0:01:00.760 --> 0:01:05.559 business and money. Mandy, what are we doing this week? Mandy? 0:01:06.240 --> 0:01:09.440 We got some juicy career questions, which means I am 0:01:09.560 --> 0:01:13.000 so excited and should we just get right into it 0:01:13.000 --> 0:01:15.360 one of us or one of the first questions is 0:01:15.400 --> 0:01:19.720 fascinating about whether, like what happens if a company checks. 0:01:19.480 --> 0:01:22.360 Your credit report. We're wired, and. 0:01:22.360 --> 0:01:25.840 Our second question is is really about Oh no, that 0:01:25.920 --> 0:01:28.679 was the first, So our second questions about a transition, 0:01:28.880 --> 0:01:31.840 how to get out of education and start slash your 0:01:31.840 --> 0:01:35.720 own business and also a corporate job in health education. 0:01:36.640 --> 0:01:39.040 I feel like I did a really terrible job those 0:01:39.120 --> 0:01:43.759 questions itself. 0:01:44.120 --> 0:01:46.160 It's better than what Mandy made it out. Go ahead, 0:01:46.520 --> 0:01:49.240 go ahead, read the ques and we'll just get into 0:01:49.240 --> 0:01:56.040 the questions. Don't keep them. Love it is about watching 0:01:56.760 --> 0:02:02.480 Ryba fan. We're gonna take a quick break and we'll 0:02:02.520 --> 0:02:03.840 be right back. 0:02:07.440 --> 0:02:10.200 Okay, listen to twenty Let's do a question twenty five 0:02:10.240 --> 0:02:13.880 from AJ from Igo. If you want to. 0:02:13.800 --> 0:02:17.799 Read it, sure, AJ says, good morning, great ladies. I 0:02:17.880 --> 0:02:20.239 put the great part in first and foremost. I love 0:02:20.440 --> 0:02:23.800 your show. It gets so much information. It's fun and informative. 0:02:24.120 --> 0:02:28.160 She says, or he I'm writing with a listener letter. 0:02:28.400 --> 0:02:31.680 I'm in need of advice big time, she said. Address 0:02:31.680 --> 0:02:34.800 her as AJ. Okay, she said, I am so over 0:02:34.960 --> 0:02:37.960 the education field. I have worked as a health educator 0:02:38.000 --> 0:02:40.800 for the past three years, but I've also had education 0:02:41.000 --> 0:02:43.839 like jobs for an additional two years, waking up every 0:02:43.919 --> 0:02:46.239 day to go to work is a struggle. I often 0:02:46.240 --> 0:02:49.840 feel really miserable and tired you name it, thinking about 0:02:49.840 --> 0:02:52.360 it or going to it into work. I don't make 0:02:52.400 --> 0:02:54.440 as much as I would like, and I'm eager for 0:02:54.560 --> 0:02:58.080 more fulfilling, higher paying, and more creative job. Okay, the 0:02:58.120 --> 0:03:02.280 subject that she teach is often underppreciated and looked over 0:03:02.400 --> 0:03:06.040 by this age demographic. I have a nutrition business which 0:03:06.080 --> 0:03:08.160 doesn't make me as much money as I would like, 0:03:08.680 --> 0:03:12.079 definitely not enough to live on the moment in the moment, 0:03:12.520 --> 0:03:16.160 and I am a health and wellness educator. I've always 0:03:16.200 --> 0:03:19.720 dreamed of working a corporate wellness job or working in 0:03:19.720 --> 0:03:23.360 my nutrition business full time with other wellness initiatives. I 0:03:23.400 --> 0:03:25.680 want to change people's lives and help them become healthier 0:03:25.680 --> 0:03:28.040 and happier versions of themselves. Can you please give me 0:03:28.040 --> 0:03:31.240 some advice on transitioning out of the teaching profession and 0:03:31.320 --> 0:03:34.800 advice for pursuing corporate wellness, a corporate wellness job and 0:03:34.920 --> 0:03:38.920 pursuing her own business as a full time job. She 0:03:39.000 --> 0:03:41.200 needs to make this change for her own health and wellness. 0:03:41.400 --> 0:03:44.200 Thank you so much. Please keep up the amazing work 0:03:44.920 --> 0:03:47.680 a jay, she said, job she alvered these babies I'm 0:03:47.680 --> 0:03:49.960 assuming she's like in like the school system, school system 0:03:50.520 --> 0:03:50.920 soon I. 0:03:50.800 --> 0:03:53.000 Was wondering, but it could be like it could be 0:03:53.600 --> 0:03:58.480 in education too. Some maybe it's like a teacher of nutrition. Yeah, 0:03:58.520 --> 0:04:00.960 I think it's kind of ironic that she's struggling with 0:04:01.000 --> 0:04:02.360 her health because of a job. 0:04:02.160 --> 0:04:03.800 Where she teaches people about health. 0:04:04.120 --> 0:04:06.840 It's really bad for my health, but just goes to 0:04:06.920 --> 0:04:10.640 show you that, really, like burnout is real in any career. So, 0:04:10.920 --> 0:04:12.880 I mean, the first tip I have is this is 0:04:12.880 --> 0:04:15.120 one of the reasons why I say don't wait for 0:04:15.160 --> 0:04:18.359 your FU moment to make a career change, because the 0:04:18.400 --> 0:04:20.760 most difficult thing when you are in such a state 0:04:20.839 --> 0:04:25.240 of desperation, not desperation like I'll take anything, but desperation 0:04:25.320 --> 0:04:27.400 of like get me out of here, is that you 0:04:27.440 --> 0:04:29.680 sort of sometimes if you make decisions with that kind 0:04:29.720 --> 0:04:33.720 of energy behind it, you can often make knee jerk decisions, 0:04:33.720 --> 0:04:37.559 impulsive decisions that actually are not best for the long term. Also, 0:04:37.760 --> 0:04:40.360 you kind of carry that energy into your next thing. 0:04:40.720 --> 0:04:42.359 And there's been multiple times where I've been on a 0:04:42.360 --> 0:04:44.840 coaching call with a client and I've been like, you're 0:04:44.920 --> 0:04:48.359 asking me for the best advice because you're interviewing for 0:04:48.400 --> 0:04:50.160 this job, or you're trying to find a job, or 0:04:50.200 --> 0:04:52.800 you're you know, in the final round of interviews and 0:04:52.839 --> 0:04:55.720 they have an offer. But what is screaming in front 0:04:55.720 --> 0:04:59.839 of me is someone who needs a break to rejuvenate 0:05:00.200 --> 0:05:03.040 a little bit. So I just that came to mind 0:05:03.040 --> 0:05:05.640 because I'm like, when you're so stressed and so burnt 0:05:05.680 --> 0:05:07.440 out and then you try to bring that energy into 0:05:07.480 --> 0:05:11.120 a corporate job interview, especially in a field where it's competitive, 0:05:11.160 --> 0:05:13.839 you may have a bunch of other candidates, like that 0:05:14.080 --> 0:05:17.839 energy can work against you the other person in an interview. 0:05:17.880 --> 0:05:18.640 It's as much. 0:05:18.560 --> 0:05:20.680 About skills as it can be about the way they 0:05:20.680 --> 0:05:23.600 feel if they're speaking to you, and if they get 0:05:23.640 --> 0:05:25.680 a sense of like, especially if you're going to be 0:05:25.680 --> 0:05:27.839 in health education, I think they want probably someone who's 0:05:27.920 --> 0:05:30.400 excited about it and you know, bring in a certain 0:05:31.640 --> 0:05:35.960 new fresh energy to it. And unless you can really 0:05:36.000 --> 0:05:38.440 fix or start working on the mindset and start working 0:05:38.520 --> 0:05:43.400 on your energy around this and getting excited about it again, 0:05:43.920 --> 0:05:46.800 I think you will struggle to find a really great 0:05:46.880 --> 0:05:50.640 job in corporate And one of the things you can 0:05:50.680 --> 0:05:53.360 do to well, you have the most you have the 0:05:53.680 --> 0:05:57.200 best answer, but ask yourself, like what why did I 0:05:57.200 --> 0:05:58.960 get into this in the first place, and what is 0:05:59.000 --> 0:06:01.680 it about it that lights me up? And how can 0:06:01.720 --> 0:06:03.960 you get back to doing that? So it could be 0:06:04.040 --> 0:06:06.880 that the actual work itself you love, but the environment 0:06:06.920 --> 0:06:08.960 that you're in is awful. So can you do some 0:06:10.080 --> 0:06:12.880 you know, even your coaching practice, like just focusing on 0:06:12.960 --> 0:06:16.599 the coaching practice, maybe not focusing on it in a 0:06:16.600 --> 0:06:18.080 way that like I have to be making money. 0:06:18.120 --> 0:06:19.120 I need a business because. 0:06:18.920 --> 0:06:20.159 I got to get out of this corporate I gotta 0:06:20.200 --> 0:06:22.560 get out of this education field. But just kind of 0:06:22.600 --> 0:06:25.320 let it be fun, like just work with clients a 0:06:25.360 --> 0:06:28.400 little bit. It may sound counterintuitive and tifty, maybe like 0:06:28.600 --> 0:06:30.440 what kind of business It's not supposed to make money, 0:06:31.080 --> 0:06:34.160 But I feel like you need to rediscover your love 0:06:34.200 --> 0:06:38.280 and sparkle about this work. And either that's maybe taking 0:06:38.279 --> 0:06:41.880 a break or it's just by doing some work just 0:06:41.880 --> 0:06:45.800 for the pure love of it and really, yeah, focusing 0:06:45.839 --> 0:06:48.480 on why this is making you feel so great and 0:06:48.560 --> 0:06:54.400 reigniting that passion or excitement that you have for the field. 0:06:55.200 --> 0:06:56.599 Now, like when. 0:06:56.400 --> 0:07:01.360 It comes to corporate wellness job like that's totally possible. 0:07:01.400 --> 0:07:04.120 There are I mean, there are on the benefits teams, 0:07:04.120 --> 0:07:07.960 there's people who review health policies, there's people who manage 0:07:08.720 --> 0:07:14.040 employee health initiatives, and that is all completely possible. But 0:07:14.240 --> 0:07:18.200 you're also you're putting this big ore of working in 0:07:18.440 --> 0:07:22.400 my nutrition business full time. And that is where I 0:07:22.440 --> 0:07:27.160 feel like it's tricky because part of me is like, yes, 0:07:27.280 --> 0:07:30.560 another corporate position, I mean, a corporate position can be 0:07:30.600 --> 0:07:34.080 a good environment shift for you. But if you're also 0:07:34.200 --> 0:07:37.480 trying to launch a business at the same time, how 0:07:37.840 --> 0:07:41.560 it's going to make it even more difficult to focus 0:07:41.600 --> 0:07:45.280 on getting that corporate opportunity. And I'm just saying like 0:07:45.320 --> 0:07:47.320 it's a lot all at once. And this is one 0:07:47.360 --> 0:07:49.600 of those things where like when you're so desperate to 0:07:49.680 --> 0:07:51.720 like get out of something, you're like, I'm gonna do 0:07:51.760 --> 0:07:53.440 this and I'm gonna do that, and then it just 0:07:53.520 --> 0:07:57.280 becomes all muddled. Does that make sense? So like I 0:07:57.320 --> 0:08:01.640 would ask you, how, what is what does your next 0:08:02.040 --> 0:08:05.720 role like, what are the what are the needs that 0:08:05.760 --> 0:08:08.400 you have? You know, what are the goals that you 0:08:08.560 --> 0:08:12.440 have right now? And how can your next move take 0:08:12.480 --> 0:08:15.000 you in one of those goals directions? And just start there? 0:08:15.560 --> 0:08:18.560 And it may be that a corporate job is what 0:08:18.600 --> 0:08:24.360 you need, whether it's for benefits or for schedule, just financially, 0:08:24.440 --> 0:08:25.920 just to have a corporate job for a little bit 0:08:25.960 --> 0:08:29.000 longer while you continue focusing on your business. That may 0:08:29.000 --> 0:08:31.920 be the right path. And I would just say focus 0:08:32.480 --> 0:08:33.960 on that for now. 0:08:35.600 --> 0:08:46.040 I'm done. No, I mean, I say, hmm, I mean 0:08:47.760 --> 0:08:51.520 one you have. Stability is critical because nothing kills creativity 0:08:51.679 --> 0:08:53.800 like struggling to make sure you have enough to eat 0:08:53.840 --> 0:08:56.240 and like pay your bills with things like that. Right, So, 0:08:56.800 --> 0:08:58.800 whatever that looks like for you to create stability to 0:08:58.880 --> 0:09:01.240 Mandy's poor weather is staying where you are right now 0:09:01.559 --> 0:09:04.760 and building your business or finding a corporate job, getting 0:09:04.800 --> 0:09:07.679 settled there, getting in a good place there, and then 0:09:07.720 --> 0:09:11.280 starting your business. Whatever that looks like, you know, making 0:09:11.280 --> 0:09:15.200 sure that you are securing the stability component of your life, 0:09:15.679 --> 0:09:17.920 especially if you're going to start a business. And so 0:09:18.400 --> 0:09:20.680 you know, to Mandy's point, I wouldn't do both at 0:09:20.720 --> 0:09:23.120 the same time. You know, if it's like I have 0:09:23.200 --> 0:09:25.040 to get out of here, I'm drying, and then it's 0:09:25.080 --> 0:09:28.080 like okay, then find a job, get settled, then start 0:09:28.120 --> 0:09:30.800 a business or I can deal if I can get 0:09:30.800 --> 0:09:33.000 my business up and running well, then stay there where 0:09:33.000 --> 0:09:35.920 you are a little longer and you know, in between, 0:09:36.040 --> 0:09:38.640 in the meantime between time, then you start your business. 0:09:38.880 --> 0:09:41.960 So getting clear like so many women when they start businesses, 0:09:42.000 --> 0:09:44.640 they're not clear on like how will I make money? 0:09:44.760 --> 0:09:46.520 I know for the first four years I was like, 0:09:46.520 --> 0:09:49.120 I don't know, just be good, that's not how it works. 0:09:49.320 --> 0:09:52.160 I was like, Ea, when I'm that base ativity, Yeah, 0:09:52.160 --> 0:09:53.839 but what are you what are you actually in the 0:09:53.880 --> 0:09:56.480 business of? So getting clear like you know, I mean, 0:09:56.559 --> 0:09:59.240 you know you don't have much space in the IG message, 0:09:59.280 --> 0:10:01.440 but getting clear on if you are going to start 0:10:01.440 --> 0:10:04.360 a business, a nutritional business, what does that actually mean? 0:10:04.400 --> 0:10:07.720 Are you building nutritional plans for people? Are you going 0:10:07.760 --> 0:10:09.960 to start like a group a community where people can 0:10:10.000 --> 0:10:12.360 pay to like you know, are you going to be 0:10:12.880 --> 0:10:15.600 like working with If it was me, I wouldn't do 0:10:15.679 --> 0:10:19.040 this in conjunction with looking for a new job, to 0:10:19.080 --> 0:10:21.079 Manny's point, But you can have this running in the 0:10:21.120 --> 0:10:24.200 back of your head. So for me, if I have 0:10:24.280 --> 0:10:26.800 to work on something that I must do for security, 0:10:27.040 --> 0:10:29.679 I always reserve at least twenty to thirty percent to 0:10:29.800 --> 0:10:31.480 work on my big goal, my real goal at the 0:10:31.520 --> 0:10:33.600 back of my head. So I'll give you seventy percent 0:10:33.640 --> 0:10:36.000 safety and security. But thirty percent is for the goal 0:10:36.040 --> 0:10:38.120 I really want. So in the back of my head, 0:10:38.160 --> 0:10:40.880 I'd be thinking to myself, huh, can I start connecting 0:10:40.920 --> 0:10:44.120 with like personal trainers online that I can maybe create 0:10:44.200 --> 0:10:47.400 the nutritional component for them, you know, because most personal 0:10:47.440 --> 0:10:49.920 trainers they don't also have nutritional I mean, I'm assuming 0:10:49.960 --> 0:10:52.040 you have, like you like maybe you went to school 0:10:52.120 --> 0:10:55.880 for nutrition, your license or whatever. So I would start 0:10:55.880 --> 0:10:58.200 to reach out to people because then they can increase 0:10:58.240 --> 0:11:01.280 their services and you can get paid, you know, and 0:11:01.320 --> 0:11:03.439 so like I would be like thinking of, like, what 0:11:03.440 --> 0:11:07.920 what ways one of how can I monetize the nutrition business, 0:11:08.200 --> 0:11:09.520 and how can I do so where I don't have 0:11:09.600 --> 0:11:11.920 to work so hard. There are trainers out there. They 0:11:12.320 --> 0:11:13.720 they seem great. You're like, oh, they already have one 0:11:13.760 --> 0:11:15.920 hundred thousand followers. They seem to be doing great. Let 0:11:16.000 --> 0:11:18.400 me connect with them. I don't have to look for customers. 0:11:18.559 --> 0:11:20.880 They have the customer. I can say, girl, I do this, 0:11:20.880 --> 0:11:24.240 this and this, we could charge an extra hundred bucks 0:11:24.280 --> 0:11:25.840 a month for this, and then we could do a 0:11:25.880 --> 0:11:29.120 seventy thirty fifty to fifty sixty forty split these This 0:11:29.160 --> 0:11:30.920 is the kind of thinking that I'd be thinking on 0:11:30.960 --> 0:11:35.360 that side. But I first and foremost secure, like mine, 0:11:35.840 --> 0:11:38.280 I make enough money to pay my bills. If your 0:11:38.320 --> 0:11:39.920 current job does that, and you don't mind staying a 0:11:39.960 --> 0:11:42.800 little longer while growing your business. Great, If you hate 0:11:42.840 --> 0:11:45.520 it so much so that it's dragging you down, then 0:11:45.559 --> 0:11:48.120 find another job and then start to build the business. 0:11:48.120 --> 0:11:49.880 But these are the types of questions I want you 0:11:50.000 --> 0:11:53.480 be asking yourself in the background. That's what I'd be thinking, 0:11:53.520 --> 0:11:55.320 you know, Like I wouldn't just dip off and slide off. 0:11:55.320 --> 0:11:56.880 I'm like, no, no, no, let's make a plan for 0:11:56.920 --> 0:11:59.000 how am I going to make money? Because so many 0:11:59.000 --> 0:12:01.400 women don't have a hell do I money plan in place? 0:12:01.520 --> 0:12:04.720 And yeah, and I mean the making of having your 0:12:04.720 --> 0:12:07.880 own business, it's really tough to have the you know, 0:12:08.080 --> 0:12:10.120 to have It's one thing to know how to make 0:12:10.160 --> 0:12:13.040 the money, but it's like and then build consistency into it, 0:12:13.480 --> 0:12:16.160 especially with a business where you are the only like 0:12:16.200 --> 0:12:19.720 you are the things that you're selling, you know. So 0:12:20.080 --> 0:12:23.280 I mean, I'm just conservative in the in the approach 0:12:23.320 --> 0:12:25.319 of like, going all in on a business right now 0:12:25.360 --> 0:12:28.280 may not be the best bet for you, because you 0:12:28.320 --> 0:12:31.000 sound really like you want something different you're really struggling, 0:12:31.040 --> 0:12:33.400 like your mental health, you're your person, your physical health 0:12:33.440 --> 0:12:36.400 is in jeopardy. And you want a change in a business, 0:12:36.520 --> 0:12:38.920 is only going to be more stressed. Yeah, and yes, 0:12:39.520 --> 0:12:43.000 let's just keep it one hundred. And also like you 0:12:43.040 --> 0:12:45.480 also have high expectations for yourself. You talk about you're 0:12:45.480 --> 0:12:47.240 not making as much as you'd like to. You want 0:12:47.240 --> 0:12:51.880 something more fulfilling, higher paying, more creative. And when it's 0:12:51.880 --> 0:12:54.240 your own business, like it's just it can be isolating, 0:12:54.280 --> 0:12:57.679 it can be lonely. It's like Tiffany said, so brilliantly. 0:12:57.760 --> 0:12:59.720 I don't think i'd heard that before, but it's so 0:12:59.800 --> 0:13:03.600 true when you are financially stressed. Yes, creativity is really 0:13:03.600 --> 0:13:05.960 hard because it's hard to be free and open and 0:13:06.320 --> 0:13:09.800 big ideas and I can do anything, you know, So 0:13:10.040 --> 0:13:13.240 for you it could be about okay, like zoom back 0:13:13.240 --> 0:13:14.920 out a little bit and let's just say I don't 0:13:14.920 --> 0:13:17.160 have to do everything right now. Yes, she says she's 0:13:17.200 --> 0:13:19.840 only been doing this for three years plus two in education. 0:13:20.000 --> 0:13:22.079 So if you've only been working I'm just going to 0:13:22.120 --> 0:13:24.960 assume professionally for five years, you're like win in your 0:13:24.960 --> 0:13:28.440 mid twenties, mid to late twenties, it's okay. You know, 0:13:28.559 --> 0:13:30.400 what you've learned is the type of job you have 0:13:30.520 --> 0:13:34.480 now is not for you. But opportunities are totally out there, 0:13:34.520 --> 0:13:36.640 you know. I mean, I know I've worked with clients 0:13:36.679 --> 0:13:40.480 who are educators in hospital systems and they'll be in 0:13:40.559 --> 0:13:43.760 charge of the diabetes education program and they work with 0:13:43.840 --> 0:13:46.720 patients who are struggling with diabetes or work with people 0:13:46.720 --> 0:13:50.880 who have high blood pressure and educate them. And gosh, 0:13:50.920 --> 0:13:52.720 I mean even I was on the phone earlier today 0:13:52.760 --> 0:13:58.079 my dad's he had a big, big meeting about potentially 0:13:58.080 --> 0:14:01.520 getting some kind of organ transplant and and uh that 0:14:02.160 --> 0:14:05.480 the first like hour was an educational video you know, 0:14:05.640 --> 0:14:09.600 with with nutritional experts and the need for nutrition education 0:14:09.840 --> 0:14:14.360 so huge right now that I think there's opportunities that 0:14:14.400 --> 0:14:17.360 are just everywhere, you know, if you're if you look 0:14:17.400 --> 0:14:19.080 and you can think a little bit outside the box. 0:14:19.680 --> 0:14:22.200 But again, you need to find your excitement about it, yes, 0:14:22.280 --> 0:14:24.320 and figure out what you do love about it and 0:14:25.000 --> 0:14:29.080 focus on that, because that is what's going to be 0:14:29.120 --> 0:14:32.920 able to like give you the the magnetic energy to 0:14:33.040 --> 0:14:36.760 attract you know, the next right role for yourself in corporate. 0:14:36.760 --> 0:14:38.160 You're not going to go in there and be like, Oh, 0:14:39.280 --> 0:14:41.080 I didn't know that I was burnt out. No one 0:14:41.200 --> 0:14:45.200 was like the audience wasn't engaged, you know, like, come on, 0:14:45.880 --> 0:14:47.880 you're gonna want to bring a much more positive energy 0:14:47.880 --> 0:14:49.800 into your next your next role. 0:14:50.520 --> 0:14:56.920 Well aja we help that helps school guy whomever. Yeah, 0:14:57.000 --> 0:14:59.240 So we're gonna take a break and be right back 0:14:59.400 --> 0:15:01.200 with another interesting question. 0:15:01.320 --> 0:15:09.480 Al Riba fan, We are back with our second question 0:15:09.640 --> 0:15:12.320 from someone who like to remain anonymous, but has a 0:15:12.360 --> 0:15:16.080 really interesting question. They say, I love your podcast. Listen 0:15:16.160 --> 0:15:19.280 every week all caps, Okay, I believe you. Every week. 0:15:19.880 --> 0:15:21.920 I have a career question. I'm a contractor at a 0:15:21.960 --> 0:15:24.920 fortune five hundred bank. I had my first phone interview 0:15:24.920 --> 0:15:27.680 with a recruiter for a permanent position within the company 0:15:27.720 --> 0:15:31.520 this week. He mentioned background checks regarding credit. But my 0:15:31.600 --> 0:15:34.320 credit score. My credit scores are not great. They're in 0:15:34.360 --> 0:15:37.560 the high five hundreds, but almost six hundred and neither 0:15:37.720 --> 0:15:40.640 is my credit report. Do you ladies think they will 0:15:40.680 --> 0:15:43.600 reject me because of this? I am the top performer 0:15:43.680 --> 0:15:45.800 of the group of contractors that I was hired with, 0:15:45.880 --> 0:15:48.040 and I have a really good track record since beginning 0:15:48.120 --> 0:15:50.160 at the company. Since being at the company. 0:15:50.720 --> 0:15:51.400 The issue with. 0:15:51.360 --> 0:15:54.520 My credit report happened earlier in my twenties twenty through 0:15:54.560 --> 0:15:58.240 twenty four, but I'm much smarter now at twenty seven. 0:15:58.800 --> 0:16:01.600 Any advice and insight be greatly appreciated. I love you 0:16:01.680 --> 0:16:02.960 ladies like my own aunts. 0:16:03.760 --> 0:16:06.840 You know that's allowed. So if you you see you 0:16:06.920 --> 0:16:09.160 don't call her your young girl, so you could be 0:16:09.160 --> 0:16:11.440 your sister kind of thing. No, No, I don't mind, 0:16:11.440 --> 0:16:13.280 because you have a two in front of your number 0:16:13.320 --> 0:16:15.760 for me seven, you know, So I'm like, you know, man, 0:16:15.800 --> 0:16:17.320 you still got three in front of your number. So 0:16:17.440 --> 0:16:19.120 I have a four in front of my number. So 0:16:19.240 --> 0:16:21.200 if you have a two, I could be your auntie. 0:16:21.440 --> 0:16:24.480 If you have the three and a high did you 0:16:24.560 --> 0:16:27.480 after the three? I'm not your auntie. Sis not have 0:16:27.560 --> 0:16:30.560 five years older than you. You tried it, try again. 0:16:30.840 --> 0:16:31.480 We're sisters. 0:16:33.080 --> 0:16:35.400 She's this good thing, all right, So I'm gonna call 0:16:35.440 --> 0:16:39.160 you niece. Then hey me like where your aunties? You're niecy? 0:16:39.240 --> 0:16:41.440 Okay? Oh? Man? All right. 0:16:41.520 --> 0:16:44.000 So the first question I have was, let me google 0:16:44.040 --> 0:16:47.080 this again. Because credit checks and credit score checks are 0:16:47.200 --> 0:16:50.160 very different. It is my understanding that it's not it's 0:16:50.200 --> 0:16:52.360 not uncommon, especially in finance, until. 0:16:52.160 --> 0:16:54.520 They're talking a little bit in law too, in law. 0:16:55.920 --> 0:16:58.840 For in the typical background check for them to also 0:16:58.920 --> 0:17:01.000 look for, they're probably gonna do like a soft credit 0:17:01.080 --> 0:17:04.640 check of some kind. They probably will not be able 0:17:04.640 --> 0:17:07.200 to see your scores. I don't think that credit score 0:17:07.520 --> 0:17:09.800 is a part of that, but they may get some 0:17:09.880 --> 0:17:14.640 like baseline information about your credit history. And the first 0:17:14.680 --> 0:17:17.159 thing when she said in my twenties, I'm like, has 0:17:17.200 --> 0:17:19.480 it been seven years yet, because it'll fall off your credit. 0:17:19.520 --> 0:17:21.359 Girl, it was like three years ago. And they're like, oh, 0:17:21.640 --> 0:17:23.400 not yesterday. 0:17:23.640 --> 0:17:26.760 Yeah, I mean I don't I really don't know, like 0:17:27.359 --> 0:17:29.679 how detail it depends on how detailed the report is. 0:17:29.720 --> 0:17:32.119 Maybe I would ask, I mean you don't want to, 0:17:32.119 --> 0:17:34.360 like go ahead, And I don't think you should mention 0:17:34.480 --> 0:17:36.679 it because then there might be like, oh, she seems 0:17:36.680 --> 0:17:40.959 nervous about this. Looks really hard. But yeah, they I 0:17:41.119 --> 0:17:43.679 did have a friend who didn't get a job and 0:17:43.760 --> 0:17:46.000 part of that was the financial background check that was 0:17:46.000 --> 0:17:49.639 for a law firm. How Yeah, I don't know. 0:17:49.720 --> 0:17:52.840 I feel like you gotta let it happen. 0:17:53.359 --> 0:17:55.960 And if you do get rejected based on that, I 0:17:55.960 --> 0:17:59.520 think you'll know exactly why and that is really unfortunate. 0:17:59.640 --> 0:18:03.000 But you know, I would just focus on continuing to 0:18:03.040 --> 0:18:06.640 be really good at what you do and getting hired 0:18:06.680 --> 0:18:10.439 at a different you know company, or just staying as 0:18:10.480 --> 0:18:14.040 a contractor. And let this be like a huge Oh, 0:18:14.119 --> 0:18:17.720 I'm never going to forget how this financial behavior of mine, 0:18:17.960 --> 0:18:20.680 you know, lost me helped me put me in a 0:18:20.720 --> 0:18:22.359 position where I wasn't able to get a job that 0:18:22.400 --> 0:18:23.000 I was good at. 0:18:25.560 --> 0:18:32.600 May not may wanted to hear, but I yeah, because banks, 0:18:32.600 --> 0:18:34.480 you know you, I mean, you're working with money, and 0:18:34.520 --> 0:18:36.080 so it's not just banks. I mean I remember it 0:18:36.119 --> 0:18:37.639 was a woman who was working at a call center 0:18:38.000 --> 0:18:40.720 for like a trucking call center. She didn't get it 0:18:40.720 --> 0:18:44.840 because of her credit, my my mental my mentee at 0:18:44.840 --> 0:18:46.919 the time, she was just graduating in law school. She 0:18:46.960 --> 0:18:48.920 wasn't able to get a job because of her credit. 0:18:48.960 --> 0:18:52.399 Because they were looking because I guess whatever that job was. 0:18:52.680 --> 0:18:55.359 They felt like having poor credit would put you in 0:18:55.400 --> 0:18:59.280 position to maybe make decisions that weren't aligned with what 0:18:59.359 --> 0:19:01.520 the type of person they were looking for. And let's 0:19:01.560 --> 0:19:03.320 just say that you don't get this job. The good 0:19:03.320 --> 0:19:06.480 thing is credit is fixable, you know what I mean. 0:19:06.720 --> 0:19:08.800 And so, like to Mandy's point, I would let it 0:19:08.840 --> 0:19:11.440 play out and then for whatever reason they come back 0:19:11.440 --> 0:19:14.600 and they say, oh, your credit, then you can say, well, 0:19:14.640 --> 0:19:16.520 would I be able to be considered again in another 0:19:16.600 --> 0:19:18.639 six months? And then you work your behind off for 0:19:18.640 --> 0:19:20.920 six months to get your credit together. The good thing 0:19:20.960 --> 0:19:23.840 is you're very young. NCI twenty seven is a go. 0:19:24.800 --> 0:19:31.399 I'm just the baby right, very young, and so you know, 0:19:31.440 --> 0:19:33.200 so many of us made our mistakes. The Lord knows 0:19:33.240 --> 0:19:35.840 I have, and so you can use the next six 0:19:35.880 --> 0:19:38.520 to eight months to get your credit together and be 0:19:38.600 --> 0:19:41.320 considered again. What it sounds like is that one you know, 0:19:41.440 --> 0:19:45.520 you are already someone that they're considering. You're a top producer, 0:19:46.080 --> 0:19:48.320 you know, someone that they're considering for a job. So 0:19:48.359 --> 0:19:50.480 that's going to happen again. And the truth of the 0:19:50.520 --> 0:19:52.680 matter is sometimes this is the thing before the thing, 0:19:53.160 --> 0:19:55.720 that's what I call it, meaning that let's just say 0:19:55.760 --> 0:19:57.880 worst case here, or you don't get this job. Maybe 0:19:57.920 --> 0:19:59.480 you weren't supposed to get this job, this job was 0:19:59.480 --> 0:20:01.760 supposed to keep. But the gear to fixing this credit 0:20:02.400 --> 0:20:05.360 so that because a bigger job is coming that absolutely 0:20:05.400 --> 0:20:07.800 needs that credit. So this is the thing to get 0:20:07.840 --> 0:20:10.000 you ready for the actual thing, if that makes sense. 0:20:10.040 --> 0:20:13.280 In these you know so either way, let this be 0:20:13.400 --> 0:20:15.280 a I need to get my credit together. If you're 0:20:15.320 --> 0:20:19.560 not sure how where there's so many free credit tools. 0:20:19.600 --> 0:20:23.800