1 00:00:16,079 --> 00:00:20,160 Speaker 1: Aba, fam, we are back with another episode of Brown Ambition. 2 00:00:20,760 --> 00:00:23,960 Speaker 1: Thank y'all so much for all of the lovely messages 3 00:00:24,160 --> 00:00:28,160 Speaker 1: and soft welcome backs ever since we started doing these 4 00:00:28,200 --> 00:00:32,000 Speaker 1: guest hosted episodes. As you guys know, Tiffany is still 5 00:00:32,040 --> 00:00:34,560 Speaker 1: on hiatus and we send her all of the love 6 00:00:34,880 --> 00:00:38,120 Speaker 1: and virtual hugs and kisses and all that stuff. Maybe 7 00:00:38,120 --> 00:00:41,640 Speaker 1: not the kisses that would be weird, but anyway, shout 8 00:00:41,680 --> 00:00:44,680 Speaker 1: out to Tiffany, and we continue to miss you a lot. 9 00:00:44,920 --> 00:00:47,880 Speaker 1: But today I thought it would be fun to bring 10 00:00:47,960 --> 00:00:51,040 Speaker 1: back the BAQA. We have not had our regular Q 11 00:00:51,200 --> 00:00:53,880 Speaker 1: and A segment in so so long, and I thought 12 00:00:53,880 --> 00:00:55,720 Speaker 1: today would be the perfect day to bring that back. 13 00:00:55,880 --> 00:00:58,400 Speaker 1: But I couldn't do it alone. I thought about it 14 00:00:58,440 --> 00:01:00,680 Speaker 1: for a hot minute, me sitting here in this chair 15 00:01:01,240 --> 00:01:06,920 Speaker 1: and my therapist Tan Turtleneck talking to myself as the 16 00:01:07,040 --> 00:01:10,199 Speaker 1: question and the answerer, and I decided that that would 17 00:01:10,240 --> 00:01:13,320 Speaker 1: just be silly. So we have a very special guest today. Hey, 18 00:01:13,440 --> 00:01:15,240 Speaker 1: Amber Jones, what's up? 19 00:01:15,280 --> 00:01:17,880 Speaker 2: Hello? Hello? Thank you for having me. 20 00:01:18,560 --> 00:01:21,280 Speaker 1: So you guys have never had the pleasure of seeing 21 00:01:21,440 --> 00:01:25,360 Speaker 1: Amber's adorable face, but you have seen her handiwork all 22 00:01:25,400 --> 00:01:29,080 Speaker 1: over Brown Ambitions Social channels because Amber is our social 23 00:01:29,160 --> 00:01:35,160 Speaker 1: media manager. Yes, and her business is called My Social Gourmet, 24 00:01:35,560 --> 00:01:38,160 Speaker 1: So tell Amber, so just say a quick hi, Hello 25 00:01:38,360 --> 00:01:39,160 Speaker 1: to be a fam. 26 00:01:39,560 --> 00:01:42,119 Speaker 2: Hello, be a fam. I'm so excited to be here. 27 00:01:42,200 --> 00:01:44,959 Speaker 2: I am brown and ambitious, so I'm just excited to 28 00:01:44,959 --> 00:01:45,560 Speaker 2: get started. 29 00:01:46,440 --> 00:01:49,240 Speaker 1: She's on brand, and thank you Amber for all of 30 00:01:49,240 --> 00:01:52,480 Speaker 1: the great content you create. And Amber and I are 31 00:01:52,520 --> 00:01:55,920 Speaker 1: always collaborating on social media and she's like, Mandy, give 32 00:01:55,920 --> 00:01:58,880 Speaker 1: me your notes, Mandy, where are you? What's going on? 33 00:01:59,680 --> 00:02:01,960 Speaker 1: But she does a phenomenal job, and I know that 34 00:02:02,000 --> 00:02:05,840 Speaker 1: she is going to do a phenomenal job today. So Amber, 35 00:02:06,360 --> 00:02:07,720 Speaker 1: not to put you on the spot, but did you 36 00:02:07,720 --> 00:02:10,720 Speaker 1: listen to last week's episode? Majority of it is yes, 37 00:02:10,919 --> 00:02:12,800 Speaker 1: because oh yes, it's right. You have to do the teaser. 38 00:02:13,160 --> 00:02:14,760 Speaker 1: Look at me trying to catch you in a lie, 39 00:02:15,440 --> 00:02:17,000 Speaker 1: like you don't listen to the show that you do 40 00:02:17,160 --> 00:02:21,000 Speaker 1: social media content for so last week. If you guys 41 00:02:21,040 --> 00:02:24,320 Speaker 1: haven't heard last week's episode with Chris Browning from Popcorn Finance, 42 00:02:24,560 --> 00:02:28,160 Speaker 1: Wait now I'm having flashbacks of the social media Like 43 00:02:28,360 --> 00:02:30,800 Speaker 1: I had the bright idea because we make you guys 44 00:02:30,800 --> 00:02:32,919 Speaker 1: guess our co host. I was like, instead of doing 45 00:02:32,960 --> 00:02:35,359 Speaker 1: Chris's silhouette because he's just like it has a bald head. 46 00:02:35,440 --> 00:02:38,200 Speaker 1: He wouldn't mind me saying that. You guys see, I 47 00:02:38,240 --> 00:02:40,440 Speaker 1: was like, let's do a silhouette of a popcorn bucket 48 00:02:40,880 --> 00:02:44,840 Speaker 1: and can you make the popcorn colonels pop? And Amber's like, 49 00:02:45,240 --> 00:02:48,639 Speaker 1: it's called my Social Gourmet, not my social magic show. 50 00:02:50,600 --> 00:02:52,000 Speaker 1: So that didn't work out. 51 00:02:52,240 --> 00:02:54,760 Speaker 2: It did. It helped a little bit though, because you know, 52 00:02:54,800 --> 00:02:57,160 Speaker 2: they kind of knew as soon as we posted the silhouette. 53 00:02:57,200 --> 00:02:59,520 Speaker 2: I don't know how, but yeah, I think it. 54 00:02:59,520 --> 00:03:02,320 Speaker 1: Was attention to the shapes of our heads, apparently in 55 00:03:02,360 --> 00:03:04,160 Speaker 1: a way that I did not know they were doing. 56 00:03:04,360 --> 00:03:07,360 Speaker 1: Oh man, Well, that episode last week touched in a 57 00:03:07,400 --> 00:03:09,840 Speaker 1: good way, touched a lot of you guys. And it 58 00:03:09,880 --> 00:03:12,840 Speaker 1: was me and Chris literally putting everything on the table 59 00:03:12,840 --> 00:03:14,679 Speaker 1: about what it's been like for the two of us 60 00:03:15,160 --> 00:03:18,640 Speaker 1: in our own separate lives to transition from nine to 61 00:03:18,680 --> 00:03:22,840 Speaker 1: five workers to full time entrepreneurs. And Chris is like 62 00:03:23,120 --> 00:03:25,799 Speaker 1: ninety five percent of the way independent now. He's still 63 00:03:25,800 --> 00:03:27,840 Speaker 1: working a couple days a week at his previous nine 64 00:03:27,840 --> 00:03:30,600 Speaker 1: to five job. And I've been independent for eight nine 65 00:03:30,600 --> 00:03:32,640 Speaker 1: months now. So if you haven't go back and check 66 00:03:32,680 --> 00:03:35,000 Speaker 1: out that episode, but I didn't want to share this 67 00:03:35,240 --> 00:03:38,840 Speaker 1: sweet message that we got from listener Sherry, who said, Hi, Mandra, 68 00:03:39,040 --> 00:03:41,560 Speaker 1: Yes you can call me Mandra. I really enjoyed this 69 00:03:41,560 --> 00:03:46,360 Speaker 1: week's episode. I have recently begun my entrepreneurship journey. I've 70 00:03:46,400 --> 00:03:48,840 Speaker 1: sent you messages about that before, and you and Tiffany 71 00:03:48,880 --> 00:03:51,200 Speaker 1: gave me such great advice, and so much of what 72 00:03:51,240 --> 00:03:54,640 Speaker 1: you guys discussed resonates with me. I definitely also found 73 00:03:54,680 --> 00:03:58,120 Speaker 1: myself hoarding my business income, and I was in a 74 00:03:58,200 --> 00:04:00,880 Speaker 1: rut about starting my self employed retirement fund. But I'm 75 00:04:00,880 --> 00:04:03,720 Speaker 1: going to work on that in Q one, please please 76 00:04:03,840 --> 00:04:07,520 Speaker 1: keep the small business discussions coming. She also asked if 77 00:04:07,520 --> 00:04:10,400 Speaker 1: you wouldn't mind sharing resources like your bookkeeper or how 78 00:04:10,440 --> 00:04:14,800 Speaker 1: you found them, lessons you've learned maximizing profit using business 79 00:04:14,800 --> 00:04:17,560 Speaker 1: expenses to the greatest good. Thank you so much for 80 00:04:17,600 --> 00:04:20,279 Speaker 1: taking us along on your journey. That is so sweet, Sherry, 81 00:04:20,440 --> 00:04:22,560 Speaker 1: It's so nice, And of course she wraps it up 82 00:04:22,600 --> 00:04:25,479 Speaker 1: saying praying for Tiffany and her family, We thank you 83 00:04:25,560 --> 00:04:28,240 Speaker 1: for that. Yeah, A couple of people reached out, they 84 00:04:28,240 --> 00:04:30,360 Speaker 1: want to know my bookkeeper, So how did I find 85 00:04:30,800 --> 00:04:32,600 Speaker 1: I think, first and foremost it's more important to talk 86 00:04:32,640 --> 00:04:35,680 Speaker 1: about how I found my book my bookkeeper, because obviously 87 00:04:36,160 --> 00:04:37,880 Speaker 1: we all have to go on that journey Amber. Do 88 00:04:37,920 --> 00:04:39,640 Speaker 1: you have a bookkeeper or do you keep it? 89 00:04:40,240 --> 00:04:42,479 Speaker 2: I do it myself. But someone told me the same 90 00:04:42,480 --> 00:04:44,680 Speaker 2: thing that you were saying, like five hundred dollars just 91 00:04:44,680 --> 00:04:46,000 Speaker 2: to get it all along, and I was like, I 92 00:04:46,120 --> 00:04:46,400 Speaker 2: need this. 93 00:04:47,839 --> 00:04:50,520 Speaker 1: Yeah, so I maybe I cheated a little bit. So 94 00:04:51,000 --> 00:04:53,919 Speaker 1: the same accountant who's worked on Brown Ambition for years 95 00:04:53,680 --> 00:04:57,160 Speaker 1: and he's been Tiffany's accountant for a long time. So 96 00:04:57,160 --> 00:05:00,360 Speaker 1: that's how I found Carlos. Shout out to Carlos. His 97 00:05:00,480 --> 00:05:04,200 Speaker 1: wife Tianu, has a bookkeeping business on the side, so 98 00:05:04,200 --> 00:05:06,280 Speaker 1: they are like a power couple. All it is in 99 00:05:06,320 --> 00:05:10,120 Speaker 1: their household is just spreadsheets. They love it. It works 100 00:05:10,120 --> 00:05:12,839 Speaker 1: for them. It keeps a relationship exciting, I guess. But 101 00:05:13,080 --> 00:05:17,599 Speaker 1: so I work with Carlos's delightful wife, Tianu, and her 102 00:05:17,839 --> 00:05:22,839 Speaker 1: business is called nil Tech Finance nill Tech Finance based 103 00:05:22,839 --> 00:05:26,719 Speaker 1: in Jersey. But the point of this story is not who, 104 00:05:26,760 --> 00:05:29,520 Speaker 1: but how So the way that I found my bookkeeper 105 00:05:29,600 --> 00:05:32,320 Speaker 1: was through a referral of who we all know and 106 00:05:32,360 --> 00:05:34,640 Speaker 1: love Tiffany. But if you forget about Tiffany being the 107 00:05:34,640 --> 00:05:37,719 Speaker 1: Budgetista Superstar and also co hosted Brian Ambition. She's a 108 00:05:37,760 --> 00:05:39,960 Speaker 1: friend of mine. She's a friend of mine in my circle. 109 00:05:40,080 --> 00:05:43,800 Speaker 1: So I always say, asking friends of yours in your 110 00:05:43,800 --> 00:05:47,920 Speaker 1: circles who they work with to get personal recommendations is like, 111 00:05:48,040 --> 00:05:50,800 Speaker 1: there's no better way. I think word of mouth. And 112 00:05:51,120 --> 00:05:55,200 Speaker 1: I also interviewed another accountant and she was wonderful And 113 00:05:55,240 --> 00:05:58,600 Speaker 1: I actually found her because I asked Jenny's Torres Rodrigez 114 00:05:58,600 --> 00:06:01,440 Speaker 1: from Jokio Dinero, who we've had on the show. She 115 00:06:01,480 --> 00:06:03,960 Speaker 1: and I were just chatting up after the episode about 116 00:06:04,320 --> 00:06:06,719 Speaker 1: you know, I was new to this and just as 117 00:06:06,760 --> 00:06:08,960 Speaker 1: a newbie, I was like, who do you go to 118 00:06:09,040 --> 00:06:12,840 Speaker 1: for your accounting advice? So and I interviewed that accountant 119 00:06:12,960 --> 00:06:15,720 Speaker 1: and she had a team of bookkeepers that she worked with. 120 00:06:15,800 --> 00:06:20,080 Speaker 1: So maybe even interviewing with one accountant can help you 121 00:06:20,160 --> 00:06:23,760 Speaker 1: find a bookkeeper because typically they work like closely together, 122 00:06:23,960 --> 00:06:26,400 Speaker 1: you know, or you can do you like Amber and 123 00:06:26,440 --> 00:06:27,680 Speaker 1: what do you do then? Do you have like quick 124 00:06:27,720 --> 00:06:28,440 Speaker 1: books or something? 125 00:06:28,720 --> 00:06:31,880 Speaker 2: No, Well, see I've been using wave app Like okay, 126 00:06:33,680 --> 00:06:36,600 Speaker 2: I have never heard of it. I don't think you 127 00:06:36,680 --> 00:06:38,440 Speaker 2: like it? Yeah, well we tried to use it one 128 00:06:38,440 --> 00:06:40,760 Speaker 2: time and we didn't like it. But I used that 129 00:06:41,640 --> 00:06:44,160 Speaker 2: and I use like an ex sale sheets. I had 130 00:06:44,200 --> 00:06:46,200 Speaker 2: one of my friends he would like he was an 131 00:06:46,240 --> 00:06:49,039 Speaker 2: accountant for like a business or whatnot, and so he 132 00:06:49,160 --> 00:06:51,000 Speaker 2: just did my exceale sheet and I just been kind 133 00:06:51,000 --> 00:06:52,680 Speaker 2: of like keeping up with the numbers. But I know 134 00:06:52,720 --> 00:06:56,119 Speaker 2: it's wrong, so I need to get it done. 135 00:06:56,640 --> 00:07:01,920 Speaker 1: Get it. You have to know other entrepreneurs in your 136 00:07:01,960 --> 00:07:05,040 Speaker 1: circle you could ask. And also I feel like I'm 137 00:07:05,040 --> 00:07:08,479 Speaker 1: going to post a link to the main the the 138 00:07:08,480 --> 00:07:11,640 Speaker 1: there is a national organization for accountants and book keepers. 139 00:07:11,640 --> 00:07:12,920 Speaker 1: I'm going to post a link in the show notes. 140 00:07:12,960 --> 00:07:14,960 Speaker 1: I'm going to go find it after the show, just 141 00:07:15,040 --> 00:07:16,880 Speaker 1: as a starting point for you guys, because you can 142 00:07:16,880 --> 00:07:19,040 Speaker 1: at least look in your own like zip code or 143 00:07:19,080 --> 00:07:22,440 Speaker 1: whatnot and find but I recommend it. Tianu has been 144 00:07:22,440 --> 00:07:24,800 Speaker 1: wonderful to work with, and thank you Sherry for that 145 00:07:24,840 --> 00:07:26,680 Speaker 1: sweet note. All right, Amber, are you ready? 146 00:07:26,800 --> 00:07:27,840 Speaker 2: I am ready? 147 00:07:28,000 --> 00:07:31,200 Speaker 1: Are you ready for the task of reading questions out loud? 148 00:07:32,320 --> 00:07:33,800 Speaker 2: We're going to see We're going to see what my 149 00:07:33,800 --> 00:07:39,400 Speaker 2: skills are. Okay, all right, Juliata as our first question 150 00:07:39,480 --> 00:07:42,760 Speaker 2: of the day, So oh my gosh, did you ladies 151 00:07:42,760 --> 00:07:46,240 Speaker 2: hear about the Navy settlement today? Am I saying that correctly? 152 00:07:46,560 --> 00:07:46,920 Speaker 1: You are? 153 00:07:47,360 --> 00:07:52,600 Speaker 2: I think na Navian okay settlement today? I am shook 154 00:07:52,680 --> 00:07:54,640 Speaker 2: and I am trying to call a Navy now to 155 00:07:54,640 --> 00:07:57,400 Speaker 2: get an update. Can you discuss this on the show? 156 00:07:57,760 --> 00:08:01,880 Speaker 1: Absolutely? So this happened when a couple of like was 157 00:08:01,880 --> 00:08:03,560 Speaker 1: it a week a time? Is so weird right now. 158 00:08:03,640 --> 00:08:07,040 Speaker 1: Recently it was announced that Naviant, which is one of 159 00:08:07,120 --> 00:08:10,880 Speaker 1: the largest student loan servicers in the country, will be 160 00:08:10,960 --> 00:08:15,200 Speaker 1: canceling the debt of sixty six thousand student loan borrowers. 161 00:08:15,320 --> 00:08:18,280 Speaker 1: And you're so right, Julietta. I mean, I think if 162 00:08:18,400 --> 00:08:20,840 Speaker 1: whether you're a Naviant customer or not, your question is like, wait, 163 00:08:20,840 --> 00:08:22,320 Speaker 1: how can I get on that list? Please? 164 00:08:22,840 --> 00:08:23,200 Speaker 2: Please? 165 00:08:23,280 --> 00:08:27,239 Speaker 1: Can I refinance into naviatet loans? So the good news 166 00:08:27,280 --> 00:08:30,560 Speaker 1: is that you don't really have to do anything to 167 00:08:30,600 --> 00:08:33,080 Speaker 1: find out necessarily if you are one of those sixty 168 00:08:33,120 --> 00:08:37,040 Speaker 1: six thousand borrowers. As per it settlement, Naviant is in 169 00:08:37,160 --> 00:08:39,720 Speaker 1: charge of reaching out to those borrowers. But what I 170 00:08:39,840 --> 00:08:44,040 Speaker 1: like about your question, Julieta. Julieta, is that you said 171 00:08:44,080 --> 00:08:47,720 Speaker 1: you were calling them directly because Honestly, I would be 172 00:08:47,760 --> 00:08:49,079 Speaker 1: on the phone with them right now if I had 173 00:08:49,080 --> 00:08:52,400 Speaker 1: a Naviant loan, just to see if I qualify. It's 174 00:08:52,440 --> 00:08:54,800 Speaker 1: my understanding, like I was just doing some googles, and 175 00:08:54,920 --> 00:08:58,120 Speaker 1: you have to have a particular type of loan taken 176 00:08:58,160 --> 00:09:01,400 Speaker 1: out within a particular period of time. And I don't 177 00:09:01,400 --> 00:09:04,640 Speaker 1: want to get y'all confused by sitting here and reading 178 00:09:04,679 --> 00:09:08,240 Speaker 1: out the list of eligibility requirements. What I can do 179 00:09:08,360 --> 00:09:10,280 Speaker 1: is put a link to the articles that I have 180 00:09:10,360 --> 00:09:13,120 Speaker 1: been reading that have that information and just tell you guys, 181 00:09:13,160 --> 00:09:16,640 Speaker 1: to call Naviant. If you see that you may qualify 182 00:09:16,800 --> 00:09:21,120 Speaker 1: based on these eligibility requirements, then I would say, pick 183 00:09:21,200 --> 00:09:23,480 Speaker 1: up the phone and call. If not, they've got until 184 00:09:23,559 --> 00:09:26,760 Speaker 1: July of twenty twenty two to call you or reach 185 00:09:26,800 --> 00:09:29,040 Speaker 1: out to you in some form or fashion. So if 186 00:09:29,040 --> 00:09:30,440 Speaker 1: you just want to hang out and chill and wait, 187 00:09:30,559 --> 00:09:31,040 Speaker 1: you can do that. 188 00:09:31,160 --> 00:09:33,160 Speaker 2: Yeah, who's waiting? 189 00:09:33,240 --> 00:09:37,240 Speaker 1: Though, I mean, listen, I would be if I had, 190 00:09:37,520 --> 00:09:40,400 Speaker 1: you know, Navvy a loans. It's it's really disheartening. I mean, 191 00:09:40,440 --> 00:09:42,960 Speaker 1: I feel like we're at this time now where you 192 00:09:43,559 --> 00:09:46,960 Speaker 1: were two years in since Biden was elected, and you 193 00:09:47,080 --> 00:09:51,280 Speaker 1: do you. I was hoping that by now there would 194 00:09:51,320 --> 00:09:53,720 Speaker 1: at least be an announcement of some debt cancelation. And 195 00:09:53,760 --> 00:09:55,319 Speaker 1: I mean, I know there was all this like back 196 00:09:55,360 --> 00:09:58,000 Speaker 1: and forth about what he wasn't going to do the 197 00:09:58,040 --> 00:10:00,880 Speaker 1: full amount that progressives wanted me he would do like 198 00:10:01,120 --> 00:10:04,280 Speaker 1: ten thousand something like that. But there's been nothing, you know, 199 00:10:04,559 --> 00:10:06,760 Speaker 1: so something is better than nothing. But in the meantime, 200 00:10:07,600 --> 00:10:10,320 Speaker 1: this news, which is a whole different like case. This 201 00:10:10,440 --> 00:10:14,400 Speaker 1: is a lawsuit that was filed by several states against Naviant, 202 00:10:14,800 --> 00:10:17,000 Speaker 1: So this is a settlement from that lawsuit. This is 203 00:10:17,000 --> 00:10:20,959 Speaker 1: an entirely non government related, you know case right now. 204 00:10:21,800 --> 00:10:24,640 Speaker 1: But at least sixty six thousand borrowers will get some 205 00:10:24,840 --> 00:10:28,520 Speaker 1: relief for their loans. So call your call Naviant up 206 00:10:28,559 --> 00:10:31,959 Speaker 1: if your loans are from Naviant and find out if 207 00:10:31,960 --> 00:10:33,559 Speaker 1: you're one of those or like we said, you can 208 00:10:33,559 --> 00:10:36,320 Speaker 1: wait until you know, check your inbox, check your mailbox 209 00:10:36,400 --> 00:10:36,840 Speaker 1: till July. 210 00:10:38,320 --> 00:10:40,360 Speaker 2: I'm going to be checking for sure because you still. 211 00:10:40,120 --> 00:10:41,280 Speaker 1: Have student loans, are you? 212 00:10:41,640 --> 00:10:43,440 Speaker 2: I do, but I don't have that much. 213 00:10:43,440 --> 00:10:47,800 Speaker 1: It's only like thirty k, only thirty k compare. 214 00:10:47,520 --> 00:10:49,559 Speaker 2: To everybody else. I was like, that's not that bad. 215 00:10:49,600 --> 00:10:52,000 Speaker 2: I thought it was bad, But no, that's true. When 216 00:10:52,080 --> 00:10:54,920 Speaker 2: is your graduate I still paying down twenty nineteen? 217 00:10:55,400 --> 00:11:01,920 Speaker 1: Okay, I know, baby, full ten listen, you're right though 218 00:11:01,960 --> 00:11:04,199 Speaker 1: thirty k is not as bad as it definitely could 219 00:11:04,240 --> 00:11:05,559 Speaker 1: have done. So you'll get them done. 220 00:11:05,559 --> 00:11:07,640 Speaker 2: I don't have to pay right now. We're still good 221 00:11:07,720 --> 00:11:08,480 Speaker 2: till May. I think. 222 00:11:09,520 --> 00:11:12,319 Speaker 1: I think you're right. Yeah, payments are I know payments 223 00:11:12,360 --> 00:11:15,840 Speaker 1: are paused until May. At least that's something. Yeah, alrighty, 224 00:11:15,920 --> 00:11:18,120 Speaker 1: let's so now we can get to miss Irene if 225 00:11:18,160 --> 00:11:21,040 Speaker 1: you want to read a question. The next couple of 226 00:11:21,120 --> 00:11:24,480 Speaker 1: questions are career questions, which are my favorite. 227 00:11:24,120 --> 00:11:28,640 Speaker 2: Miss Irene. I'm currently an active duty military member living 228 00:11:28,640 --> 00:11:31,880 Speaker 2: in Maryland with an enlistment ending in August of twenty 229 00:11:32,040 --> 00:11:36,920 Speaker 2: twenty two. But I'm applying for a clinical psychology program 230 00:11:37,040 --> 00:11:39,200 Speaker 2: that would allow me to stay in the military for 231 00:11:39,240 --> 00:11:42,079 Speaker 2: at least twelve more years and provide me with a 232 00:11:42,160 --> 00:11:46,840 Speaker 2: doctorate education without student loan deb The issue here is 233 00:11:46,880 --> 00:11:49,520 Speaker 2: that if I do not get into the program, I 234 00:11:49,559 --> 00:11:53,160 Speaker 2: will have to join the civilian workforce without any experience 235 00:11:53,280 --> 00:11:56,120 Speaker 2: in the field that I will be entering, and the 236 00:11:56,160 --> 00:12:00,560 Speaker 2: field is industrial organizational psychology. I will have my masters 237 00:12:00,559 --> 00:12:04,360 Speaker 2: in this field, but yet again, no experience. How do 238 00:12:04,400 --> 00:12:08,360 Speaker 2: you suggest that I make myself desirable for employers? That's 239 00:12:08,360 --> 00:12:11,080 Speaker 2: the first question. Is it worth my time and money 240 00:12:11,120 --> 00:12:14,880 Speaker 2: to get related certification from learning platforms to show my 241 00:12:14,960 --> 00:12:18,960 Speaker 2: willingness to use valuable resources and to learn and develop myself? 242 00:12:19,160 --> 00:12:22,720 Speaker 1: Ooh, this is a ticy question, so forget all the 243 00:12:22,720 --> 00:12:25,200 Speaker 1: details for a second. I get this question so often, 244 00:12:25,880 --> 00:12:28,240 Speaker 1: as you guys know, through Mandy Money, I offer money 245 00:12:28,240 --> 00:12:30,840 Speaker 1: and career coaching, and I have been doing it pretty 246 00:12:30,880 --> 00:12:34,640 Speaker 1: much NonStop since July, and so so often I'm listening 247 00:12:34,720 --> 00:12:39,360 Speaker 1: to women who want to know do I need this certificate? 248 00:12:39,440 --> 00:12:42,400 Speaker 1: Do I need that certificate? I'm wanting to break into 249 00:12:42,400 --> 00:12:45,400 Speaker 1: this new industry and I don't necessarily have a ton 250 00:12:45,440 --> 00:12:48,480 Speaker 1: of experience, So how can I make myself more like 251 00:12:48,520 --> 00:12:51,800 Speaker 1: she says, desirable to employers and show them that I've 252 00:12:51,800 --> 00:12:54,600 Speaker 1: got at least the training, if not the on the 253 00:12:54,600 --> 00:12:58,200 Speaker 1: ground experience. So we're all start right now. Is by 254 00:12:58,240 --> 00:13:03,120 Speaker 1: saying education matter? You know you have the education here 255 00:13:03,200 --> 00:13:07,079 Speaker 1: and the field industrial organizational psychology. I'm hearing more and 256 00:13:07,160 --> 00:13:10,520 Speaker 1: more about this, but basically this we're talking like the 257 00:13:10,559 --> 00:13:15,200 Speaker 1: operations of companies, like human resources departments. How how companies 258 00:13:15,240 --> 00:13:18,680 Speaker 1: and their people work together. So this is a fast 259 00:13:18,720 --> 00:13:24,040 Speaker 1: growing industry and it's fascinating to me in general. As 260 00:13:24,040 --> 00:13:29,480 Speaker 1: far as like certificates from online learning platforms, do I 261 00:13:29,559 --> 00:13:32,480 Speaker 1: think that those are necessary? I struggle with this because 262 00:13:32,559 --> 00:13:34,640 Speaker 1: I have heard from so many of my clients who 263 00:13:34,760 --> 00:13:38,440 Speaker 1: have gotten those certificates. Whether it's what's popular right now 264 00:13:38,559 --> 00:13:45,160 Speaker 1: is like project management certificates, there are product product management certificates, 265 00:13:46,000 --> 00:13:49,760 Speaker 1: DE and I like diversity, equity and inclusion certificates. Like 266 00:13:49,840 --> 00:13:53,040 Speaker 1: they sell them through platforms like Coursera. They also sell 267 00:13:53,120 --> 00:13:56,120 Speaker 1: them through like Google has on like a Google Academy 268 00:13:56,200 --> 00:13:58,160 Speaker 1: or something like that, where you can get these certificates. 269 00:13:58,720 --> 00:14:01,600 Speaker 1: I wouldn't necessarily put my money up for those types 270 00:14:01,600 --> 00:14:05,319 Speaker 1: of certifications unless I had examples of people in my 271 00:14:05,520 --> 00:14:10,560 Speaker 1: field that had success getting opportunities through having those certificates. 272 00:14:11,480 --> 00:14:14,040 Speaker 1: I mean, these certificates like not only the money that 273 00:14:14,080 --> 00:14:17,080 Speaker 1: they take, they also take time because often there'll be 274 00:14:17,200 --> 00:14:20,800 Speaker 1: a multi week or multi hour commitment for you to 275 00:14:20,800 --> 00:14:23,120 Speaker 1: take the course and then do whatever is required of you. 276 00:14:23,920 --> 00:14:25,640 Speaker 1: So I wouldn't want to invest that much time and 277 00:14:25,680 --> 00:14:28,000 Speaker 1: money unless I knew I was going to potentially get 278 00:14:28,040 --> 00:14:31,280 Speaker 1: their return on my investment right. So I think the 279 00:14:31,800 --> 00:14:35,520 Speaker 1: key here is for you to make connections with people 280 00:14:35,560 --> 00:14:38,880 Speaker 1: who are in that field and ask their specific opinions 281 00:14:39,520 --> 00:14:42,560 Speaker 1: or look for examples from them of people who were 282 00:14:42,600 --> 00:14:46,520 Speaker 1: able to break into it by getting these certifications. In 283 00:14:46,600 --> 00:14:50,320 Speaker 1: my personal opinion, I think way far and above in 284 00:14:50,400 --> 00:14:54,080 Speaker 1: terms of value for getting experience is a personal connection 285 00:14:54,160 --> 00:14:58,080 Speaker 1: to someone versus a piece of digital paper or a certificate. 286 00:14:58,160 --> 00:15:00,880 Speaker 1: I think the more personal connecttions you can make, so 287 00:15:00,920 --> 00:15:04,560 Speaker 1: that can be through your program. Like right now you 288 00:15:04,600 --> 00:15:06,960 Speaker 1: say that you're in a clinical psychology program, it could 289 00:15:07,000 --> 00:15:10,840 Speaker 1: be making connections within that program, with your with your instructors, 290 00:15:11,080 --> 00:15:15,120 Speaker 1: with alumni. I tell people a lot of times when 291 00:15:15,160 --> 00:15:17,600 Speaker 1: I sit across from my coaching clients and I ask them, 292 00:15:18,120 --> 00:15:20,800 Speaker 1: you know, have you reached out to any of your 293 00:15:21,120 --> 00:15:26,360 Speaker 1: peers from your college or from your you know, master's program. 294 00:15:26,840 --> 00:15:29,120 Speaker 1: So often the answer is no, you know, it's been 295 00:15:29,160 --> 00:15:32,000 Speaker 1: a few years since you graduated, maybe longer you've lost 296 00:15:32,080 --> 00:15:36,280 Speaker 1: those connections. I think that's really important for you to 297 00:15:36,360 --> 00:15:40,080 Speaker 1: maintain or rekindle those personal relationships because that can be 298 00:15:40,200 --> 00:15:43,840 Speaker 1: a great source of knowledge for you when it comes 299 00:15:43,880 --> 00:15:45,760 Speaker 1: to how do I get my foot in the door 300 00:15:47,280 --> 00:15:50,680 Speaker 1: and I think for anyone who's entering into a new 301 00:15:50,720 --> 00:15:54,400 Speaker 1: field with relatively little experience, you do have to accept 302 00:15:54,400 --> 00:15:56,880 Speaker 1: the fact that it may take a little bit of 303 00:15:56,920 --> 00:16:01,680 Speaker 1: extra time for you to find that opportunity, especially given 304 00:16:01,760 --> 00:16:04,560 Speaker 1: right now what we are in with our labor market. 305 00:16:04,600 --> 00:16:06,520 Speaker 1: I'm sure you and or even know it's a lot 306 00:16:06,560 --> 00:16:09,360 Speaker 1: of people like hiring right now, but it's also a 307 00:16:09,400 --> 00:16:14,120 Speaker 1: lot of people applying. Competition is fierce, it really is, 308 00:16:14,600 --> 00:16:17,080 Speaker 1: and some of my clients have been applying for jobs 309 00:16:17,120 --> 00:16:21,760 Speaker 1: for months, months and not able to break in. It 310 00:16:21,840 --> 00:16:24,000 Speaker 1: genuinely may not have anything to do with you not 311 00:16:24,080 --> 00:16:27,760 Speaker 1: being qualified. It just is that there is a ton 312 00:16:28,000 --> 00:16:30,640 Speaker 1: of competition out there, you know what I mean. So 313 00:16:30,760 --> 00:16:33,120 Speaker 1: that's why I'm saying, you know, trying to connect with 314 00:16:33,160 --> 00:16:36,120 Speaker 1: people who are in that space and ask them, hey, 315 00:16:36,160 --> 00:16:38,960 Speaker 1: did you find that this certificate gave you an edge? 316 00:16:40,280 --> 00:16:43,080 Speaker 1: I would be genuinely curious to hear what you hear back, 317 00:16:43,360 --> 00:16:44,920 Speaker 1: And even more so, what I think will give you 318 00:16:45,000 --> 00:16:48,000 Speaker 1: an edge is any kind of personal relationship you have. 319 00:16:48,120 --> 00:16:52,160 Speaker 1: There is so much value in having people in rooms 320 00:16:52,440 --> 00:16:55,960 Speaker 1: with decision makers who say your name like there is 321 00:16:56,440 --> 00:16:58,440 Speaker 1: that is where the power lies. So how can we 322 00:16:58,480 --> 00:17:02,000 Speaker 1: get Irene on the radar of people in those rooms. 323 00:17:02,240 --> 00:17:06,199 Speaker 1: Anyone who's like, I know someone Irene. She's amazing. You know, 324 00:17:06,600 --> 00:17:10,320 Speaker 1: she's in this program. She's potentially gonna get her doctorate. 325 00:17:10,400 --> 00:17:12,560 Speaker 1: But you know I would vouch for her. That is 326 00:17:13,359 --> 00:17:15,360 Speaker 1: really going to be a game changer and potentially give 327 00:17:15,400 --> 00:17:25,879 Speaker 1: you that extra like push that you're gonna need. All right, 328 00:17:25,960 --> 00:17:27,800 Speaker 1: let's get back to these questions. 329 00:17:27,480 --> 00:17:31,400 Speaker 2: Alrighty, So our next question is from one of our listeners. 330 00:17:31,440 --> 00:17:35,320 Speaker 2: We're gonna call her Jasmine, and she states the following question. 331 00:17:35,680 --> 00:17:39,280 Speaker 2: I currently work for a pretty stable company on communications, 332 00:17:39,600 --> 00:17:42,560 Speaker 2: but it is a nonprofit and it's a career area 333 00:17:42,680 --> 00:17:46,199 Speaker 2: that I'm not particularly interested in. I'm just beginning the 334 00:17:46,280 --> 00:17:50,040 Speaker 2: interview process for two communication jobs with a newer tech 335 00:17:50,080 --> 00:17:53,399 Speaker 2: company that admittedly have had some growing pains lately, but 336 00:17:53,440 --> 00:17:55,760 Speaker 2: it still seems like a good fit. I assume I'll 337 00:17:55,800 --> 00:17:57,960 Speaker 2: get more money if I take on this role. But 338 00:17:58,280 --> 00:18:00,320 Speaker 2: this is where it kind of gets messy. I have 339 00:18:00,400 --> 00:18:03,560 Speaker 2: a six figure student loan debt, and my current role 340 00:18:03,600 --> 00:18:06,400 Speaker 2: seems to be covered by the forgiveness program that I've 341 00:18:06,440 --> 00:18:09,280 Speaker 2: been with for five years. However, my husband and I 342 00:18:09,320 --> 00:18:11,600 Speaker 2: are trying to have a baby and I know that 343 00:18:11,640 --> 00:18:14,560 Speaker 2: the maternity leave at the tech company is better in 344 00:18:14,560 --> 00:18:17,240 Speaker 2: addition to making more money, that would allow me to 345 00:18:17,320 --> 00:18:20,439 Speaker 2: quit my side hustle and work from home full time. 346 00:18:20,640 --> 00:18:22,840 Speaker 2: So on the one hand, I have the chance to 347 00:18:22,880 --> 00:18:25,479 Speaker 2: clear myself of all of the debt in five years, 348 00:18:25,720 --> 00:18:28,720 Speaker 2: but at the cost of making more working from home 349 00:18:28,800 --> 00:18:32,719 Speaker 2: full time, having one job, having enough time to spend 350 00:18:32,880 --> 00:18:36,520 Speaker 2: with my future child, and potentially enjoying the job more. 351 00:18:36,880 --> 00:18:40,000 Speaker 2: What should I do? Also, I'm not even sure how 352 00:18:40,080 --> 00:18:43,119 Speaker 2: to negotiate to make sure that I maximize the most 353 00:18:43,160 --> 00:18:44,720 Speaker 2: of my potential career switch. 354 00:18:45,200 --> 00:18:49,679 Speaker 1: Okay, miss jazz Man, not your real name, but JAZZMN. 355 00:18:50,680 --> 00:18:54,720 Speaker 1: I love this question. So a lot of you guys 356 00:18:54,800 --> 00:18:59,480 Speaker 1: like Jasmine are working in jobs that could potentially qualify 357 00:18:59,520 --> 00:19:02,760 Speaker 1: yoursuent loan to be forgiven through the Public service Loan 358 00:19:03,119 --> 00:19:05,920 Speaker 1: forgiveness program. I get that. So she's been in there 359 00:19:05,920 --> 00:19:08,200 Speaker 1: for five years. I think in total, you've got to 360 00:19:08,240 --> 00:19:10,800 Speaker 1: be in that job with the right types of loans, 361 00:19:10,880 --> 00:19:13,080 Speaker 1: in the right type of job, and you have to 362 00:19:13,119 --> 00:19:17,159 Speaker 1: like reapply each year for ten years. So she's saying, 363 00:19:17,200 --> 00:19:19,440 Speaker 1: do I give this job? Which, if I go back 364 00:19:19,440 --> 00:19:21,840 Speaker 1: to the beginning of her question, she says that she's 365 00:19:21,880 --> 00:19:24,439 Speaker 1: not particularly interested in it. Should she stick with that 366 00:19:24,520 --> 00:19:26,840 Speaker 1: job for five years just for the promise of maybe 367 00:19:26,880 --> 00:19:31,280 Speaker 1: having her student loans forgiven and give up the opportunity 368 00:19:31,320 --> 00:19:33,960 Speaker 1: to work for a tech company that could pay her more, 369 00:19:34,080 --> 00:19:37,760 Speaker 1: give her more time off for her maternity leave, let 370 00:19:37,760 --> 00:19:42,040 Speaker 1: her work from home full time, and most likely pay 371 00:19:42,040 --> 00:19:42,480 Speaker 1: her more. 372 00:19:42,640 --> 00:19:43,359 Speaker 2: What should she do? 373 00:19:44,119 --> 00:19:47,840 Speaker 1: I mean, this seems like a really difficult question, but 374 00:19:47,960 --> 00:19:51,600 Speaker 1: I'm going to make it simple. You and your career 375 00:19:51,960 --> 00:19:55,680 Speaker 1: are what really matter here, and you and your family 376 00:19:55,720 --> 00:20:00,160 Speaker 1: are what really matter here. And when I lead from 377 00:20:00,160 --> 00:20:02,119 Speaker 1: that place, like when I lead from a place of 378 00:20:03,200 --> 00:20:05,000 Speaker 1: is this the best for my family? Is it the 379 00:20:05,000 --> 00:20:08,560 Speaker 1: best for my career? The money will follow? Okay, So 380 00:20:08,960 --> 00:20:12,840 Speaker 1: I honestly wouldn't worry so much about you missing out 381 00:20:12,840 --> 00:20:16,880 Speaker 1: on this public service loan forgiveness boat necessarily when you've 382 00:20:16,880 --> 00:20:19,879 Speaker 1: got an opportunity to make what could be a really 383 00:20:19,920 --> 00:20:22,919 Speaker 1: amazing career move for yourself. You're not even enjoying your 384 00:20:23,000 --> 00:20:25,520 Speaker 1: job right now. You gave you said one of the 385 00:20:25,560 --> 00:20:28,080 Speaker 1: words that whenever I hear it in my coaching clients, 386 00:20:28,160 --> 00:20:32,639 Speaker 1: I just cringe. You said stable oo. Stable. Stable is 387 00:20:32,720 --> 00:20:35,760 Speaker 1: for horses, Stable is for when you mount your TV 388 00:20:35,920 --> 00:20:39,639 Speaker 1: the wall, you want those brackets to be stable. But 389 00:20:39,840 --> 00:20:43,480 Speaker 1: stability in a job, it's it can be sexy. I 390 00:20:43,600 --> 00:20:46,320 Speaker 1: get it like stability, especially if you've had you know, 391 00:20:46,440 --> 00:20:49,520 Speaker 1: financial insecurity, if you grew up in that space, or 392 00:20:50,440 --> 00:20:52,919 Speaker 1: if you're just a human being, like we all like 393 00:20:53,040 --> 00:20:55,240 Speaker 1: to know what we're going to get in our paychecks 394 00:20:55,280 --> 00:20:58,679 Speaker 1: week after week, and there is a sense of Okay, 395 00:20:58,680 --> 00:21:01,000 Speaker 1: it's one less thing for me to have to worry about. 396 00:21:01,320 --> 00:21:05,080 Speaker 1: But it's a lie. Even that quote unquote stable job 397 00:21:05,119 --> 00:21:08,520 Speaker 1: in communications. They could fire you tomorrow, Jasmine, Like they 398 00:21:08,520 --> 00:21:11,520 Speaker 1: could lay all off. They could decide that they want 399 00:21:11,600 --> 00:21:14,200 Speaker 1: you to work in a different state, and you don't 400 00:21:14,200 --> 00:21:16,560 Speaker 1: want to move, so we're gonna let you go. Like 401 00:21:16,600 --> 00:21:19,400 Speaker 1: it's not exactly stable, is it? When you think about that, 402 00:21:19,440 --> 00:21:22,240 Speaker 1: you are still at the mercy of someone else's budget, 403 00:21:22,320 --> 00:21:25,879 Speaker 1: someone else's bottom line, someone else's business needs. So that 404 00:21:26,040 --> 00:21:29,040 Speaker 1: is why I'm always reminding people you've got to put 405 00:21:29,080 --> 00:21:33,119 Speaker 1: yourselves first. So the fact that stability is the only 406 00:21:33,160 --> 00:21:35,359 Speaker 1: thing this job seems to have going for it, because 407 00:21:35,359 --> 00:21:38,159 Speaker 1: it ain't pay and it's not your interest level in 408 00:21:38,200 --> 00:21:41,200 Speaker 1: the job, doesn't seem like you're really getting a ton 409 00:21:41,240 --> 00:21:44,679 Speaker 1: out of it. I think you are definitely at a 410 00:21:44,680 --> 00:21:48,280 Speaker 1: point where you could really benefit from a new opportunity. 411 00:21:48,560 --> 00:21:51,120 Speaker 1: If this new job in tech is something that would 412 00:21:51,160 --> 00:21:53,440 Speaker 1: be interesting to you, it would be challenging to you, 413 00:21:53,600 --> 00:21:56,720 Speaker 1: and it meets you where you want to be financially. Hells, Yeah, 414 00:21:57,000 --> 00:22:00,639 Speaker 1: the perks, those perks, don't you know? Those are nothing 415 00:22:01,240 --> 00:22:04,120 Speaker 1: to like bat an eye at. Like you've got full 416 00:22:04,160 --> 00:22:06,800 Speaker 1: time working from home privileges. You know, you could be 417 00:22:06,960 --> 00:22:09,560 Speaker 1: potentially earning enough so that you wouldn't have to work 418 00:22:09,800 --> 00:22:12,399 Speaker 1: a side job, a side hustle, as you say, plus 419 00:22:12,480 --> 00:22:15,359 Speaker 1: the time off to spend with your child. I mean, yes, 420 00:22:16,480 --> 00:22:21,320 Speaker 1: you've got to put yourself first here. So that's I 421 00:22:21,359 --> 00:22:25,000 Speaker 1: guess where I'll leave it. But again, just a reminders 422 00:22:25,000 --> 00:22:29,560 Speaker 1: to y'all, Like I know that those government programs like 423 00:22:29,600 --> 00:22:33,960 Speaker 1: the Public Service loan forgiveness. My husband himself, like we 424 00:22:34,040 --> 00:22:36,120 Speaker 1: made a decision, what it is it like five years 425 00:22:36,119 --> 00:22:38,040 Speaker 1: ago that we would just go ahead and pay off 426 00:22:38,080 --> 00:22:40,359 Speaker 1: the rest of his student loans because we had the money, 427 00:22:40,920 --> 00:22:44,040 Speaker 1: and I didn't want to be I didn't want to 428 00:22:44,119 --> 00:22:48,160 Speaker 1: like feel as if we were waiting for a government 429 00:22:48,240 --> 00:22:52,480 Speaker 1: program which the last administration, like the last president made 430 00:22:52,800 --> 00:22:57,200 Speaker 1: very clear that any program that the incoming president doesn't want, 431 00:22:57,440 --> 00:22:59,760 Speaker 1: they can just get rid of it, you know. And 432 00:23:00,040 --> 00:23:04,280 Speaker 1: and honestly, things change so quickly. It doesn't seem like it, 433 00:23:04,320 --> 00:23:06,680 Speaker 1: but things can change quickly when it comes to politics 434 00:23:06,760 --> 00:23:10,600 Speaker 1: and government programs. So we always just put ourselves first, 435 00:23:10,640 --> 00:23:14,080 Speaker 1: like what's best for us financially, what's best for our 436 00:23:14,119 --> 00:23:18,000 Speaker 1: careers and money has seemed to follow. And as long 437 00:23:18,040 --> 00:23:20,600 Speaker 1: as you continue putting your career first and moving in 438 00:23:20,680 --> 00:23:24,159 Speaker 1: this direction for bigger and better opportunities, the hope and 439 00:23:24,240 --> 00:23:26,960 Speaker 1: the expectation is that you will be earning more so 440 00:23:27,000 --> 00:23:29,200 Speaker 1: that you can pay on that debt on your own volition. 441 00:23:31,080 --> 00:23:34,040 Speaker 1: Oh one last thing, though, did you say tech? I 442 00:23:34,119 --> 00:23:35,680 Speaker 1: like tech jobs. I don't know why I am er 443 00:23:37,880 --> 00:23:43,320 Speaker 1: signing bonuses or not just for NFL players. Okay, listen 444 00:23:43,880 --> 00:23:46,000 Speaker 1: when you negotiate, because her last question is I'm not 445 00:23:46,000 --> 00:23:48,120 Speaker 1: even sure how to negotiate to make sure I maximize 446 00:23:48,119 --> 00:23:50,560 Speaker 1: the potential the most out of this. If this is 447 00:23:50,600 --> 00:23:54,520 Speaker 1: a new career area, I would definitely do your due 448 00:23:54,560 --> 00:23:56,960 Speaker 1: diligence to find your market rate. So of course you 449 00:23:57,000 --> 00:24:00,000 Speaker 1: can go to like your glass doors, yourpayscales, dot com 450 00:24:00,080 --> 00:24:02,840 Speaker 1: to find what is the market rate for this job title? 451 00:24:02,880 --> 00:24:05,960 Speaker 1: But even more importantly is start shaking that network. Shake 452 00:24:06,040 --> 00:24:08,080 Speaker 1: them up. See who you've gotten your network? Who can 453 00:24:08,119 --> 00:24:10,560 Speaker 1: help you figure out what you can expect salary wise, 454 00:24:11,080 --> 00:24:13,840 Speaker 1: what type of company you're working potentially working for? Do 455 00:24:13,880 --> 00:24:15,760 Speaker 1: you know anyone who works? Are already? Do what you 456 00:24:15,800 --> 00:24:19,760 Speaker 1: can to find personal connections who can help you start 457 00:24:19,760 --> 00:24:22,960 Speaker 1: to develop what your market rate should be, what you 458 00:24:23,000 --> 00:24:26,159 Speaker 1: should be asking for, And then you don't ask for 459 00:24:26,200 --> 00:24:29,000 Speaker 1: it right away. You get them really excited about you 460 00:24:29,080 --> 00:24:32,280 Speaker 1: late in the job process, and when it comes time 461 00:24:32,400 --> 00:24:36,879 Speaker 1: to start speaking about salary expectations, you know where you're 462 00:24:37,359 --> 00:24:40,320 Speaker 1: you know what you're aiming for, and you're also going 463 00:24:40,359 --> 00:24:42,399 Speaker 1: to ask for a signing bonus. Because they don't need 464 00:24:42,440 --> 00:24:45,080 Speaker 1: to know, Jasmine, that you don't love your job right now. 465 00:24:45,119 --> 00:24:47,239 Speaker 1: They don't need to know all that. They don't need 466 00:24:47,280 --> 00:24:49,160 Speaker 1: to know that you've been waiting for someone to scoop 467 00:24:49,200 --> 00:24:51,080 Speaker 1: you up and rescue you for months and years. No, 468 00:24:51,119 --> 00:24:53,400 Speaker 1: they don't need to know all that, Okay, All they 469 00:24:53,400 --> 00:24:55,920 Speaker 1: need to know is that they really want to work 470 00:24:55,920 --> 00:24:58,600 Speaker 1: with Jasmine right and that they would love if they 471 00:24:58,600 --> 00:25:01,600 Speaker 1: could poach Jasmine. But oh, Ooh, Jazzmine's already got a job, 472 00:25:01,640 --> 00:25:04,520 Speaker 1: and oh she's got you know, four one K that 473 00:25:04,600 --> 00:25:07,280 Speaker 1: she's been investing in through her job, and you know, 474 00:25:07,960 --> 00:25:09,920 Speaker 1: maybe there's some money on the table. Jazzmin will be 475 00:25:10,040 --> 00:25:12,240 Speaker 1: leaving behind if she were to leave, and they need 476 00:25:12,280 --> 00:25:13,600 Speaker 1: to know that so that they can give you a 477 00:25:13,640 --> 00:25:17,080 Speaker 1: signing bonus. And with that windfall, you know, think about 478 00:25:17,080 --> 00:25:18,840 Speaker 1: the dent you could be putting in your student loans 479 00:25:18,840 --> 00:25:23,800 Speaker 1: with that windfall potentially. So that's just some food for thought. Ultimately, 480 00:25:23,920 --> 00:25:25,600 Speaker 1: you got to do what's best for you, what you 481 00:25:25,600 --> 00:25:28,760 Speaker 1: feel comfortable with. But I think that the fact that 482 00:25:28,800 --> 00:25:31,960 Speaker 1: you were interviewing is amazing. Keep doing it, whether or 483 00:25:32,000 --> 00:25:34,120 Speaker 1: not this job works out or the next one, because 484 00:25:34,119 --> 00:25:36,720 Speaker 1: if you're not happy and feeling challenged and financially, you know, 485 00:25:36,800 --> 00:25:38,919 Speaker 1: paid your worth at your current job. I would not 486 00:25:38,960 --> 00:25:41,119 Speaker 1: continue to suffer like that just for the promise of 487 00:25:41,200 --> 00:25:45,960 Speaker 1: like a government handout essentially, like that loan forgiveness. It's 488 00:25:46,000 --> 00:25:46,720 Speaker 1: just not how I roll. 489 00:25:46,880 --> 00:25:50,160 Speaker 2: Yeah, And I'll also say like LinkedIn for me will 490 00:25:50,160 --> 00:25:52,199 Speaker 2: probably be like the biggest thing that I use for 491 00:25:52,240 --> 00:25:54,280 Speaker 2: the network piece that you were talking about, because. 492 00:25:54,280 --> 00:25:55,720 Speaker 1: I didn't really have any as the best. 493 00:25:55,880 --> 00:25:58,040 Speaker 2: I didn't have anybody that I knew and not like 494 00:25:58,080 --> 00:25:59,680 Speaker 2: even if you just want to ask them questions and 495 00:25:59,720 --> 00:26:01,720 Speaker 2: you could see their titles, their roles, if they work 496 00:26:01,760 --> 00:26:04,119 Speaker 2: at the company, if y'all have mutual friends, and then 497 00:26:04,119 --> 00:26:05,919 Speaker 2: you can try to get that connection there too, So 498 00:26:06,000 --> 00:26:07,640 Speaker 2: that would really help a lot with the network. 499 00:26:07,760 --> 00:26:10,159 Speaker 1: Yeah, exactly. I mean, you may not hear back, or 500 00:26:10,160 --> 00:26:12,600 Speaker 1: you may get a cold response, but it's not going 501 00:26:12,680 --> 00:26:14,920 Speaker 1: to hurt you. Like people can say no, I don't 502 00:26:14,920 --> 00:26:16,359 Speaker 1: want to talk to you, they can ignore you. But 503 00:26:16,600 --> 00:26:19,560 Speaker 1: the fact is, just keep sending messages, keep reaching out 504 00:26:19,560 --> 00:26:21,880 Speaker 1: to people, keep trying to find those connections. I mean, 505 00:26:21,920 --> 00:26:25,000 Speaker 1: it could be, but so like it just so happens 506 00:26:25,000 --> 00:26:27,120 Speaker 1: that like a lot of people, we don't even say 507 00:26:27,119 --> 00:26:29,520 Speaker 1: out loud that we're looking for work. So how can 508 00:26:29,560 --> 00:26:32,320 Speaker 1: we let our friends, our network work for us if 509 00:26:32,320 --> 00:26:35,280 Speaker 1: we're not telling them, you know, what's happening. So I 510 00:26:35,280 --> 00:26:38,240 Speaker 1: would use the fact that you're interviewing as a good 511 00:26:38,720 --> 00:26:41,280 Speaker 1: excuse to reach out to people and to get their feedback. 512 00:26:41,359 --> 00:26:44,600 Speaker 1: Right now. But very exciting, very excited for you. Good 513 00:26:44,680 --> 00:26:48,240 Speaker 1: luck on the new baby. I hope you guys, you'll 514 00:26:48,280 --> 00:26:51,240 Speaker 1: figure it all out, Okay, all right, last question and 515 00:26:51,600 --> 00:26:52,680 Speaker 1: last question, what have we got? 516 00:26:53,000 --> 00:26:56,680 Speaker 2: Less one? All right, so we are going to call 517 00:26:56,760 --> 00:27:01,479 Speaker 2: her Linda, and the question goes as followed. I am 518 00:27:01,520 --> 00:27:04,879 Speaker 2: a thirty one year old living in the DMV and 519 00:27:04,960 --> 00:27:08,920 Speaker 2: I make fifty two thousand a year. Here's my situation. 520 00:27:09,280 --> 00:27:11,520 Speaker 2: I was not looking for a new job. This black 521 00:27:11,560 --> 00:27:13,360 Speaker 2: woman reached out to me on LinkedIn. 522 00:27:14,640 --> 00:27:15,720 Speaker 1: Okay, I guess what's important. 523 00:27:15,760 --> 00:27:19,480 Speaker 2: Flock point all right, reached out for me on LinkedIn 524 00:27:19,920 --> 00:27:23,040 Speaker 2: about an analyst position at her organization. The job I 525 00:27:23,040 --> 00:27:26,680 Speaker 2: have now is fine. However, I just got my first 526 00:27:26,680 --> 00:27:30,199 Speaker 2: apartment and I can definitely use the salary increase. But 527 00:27:30,600 --> 00:27:33,200 Speaker 2: if I do well on the second interview and they 528 00:27:33,280 --> 00:27:36,120 Speaker 2: offer me the job, their max budget for this job 529 00:27:36,160 --> 00:27:39,959 Speaker 2: would be a thirteen K salary increase. Should I take it. 530 00:27:40,080 --> 00:27:43,040 Speaker 2: I really like the benefits package that my current job offers. 531 00:27:43,400 --> 00:27:46,359 Speaker 2: The healthcare benefits of the new potential job are kind 532 00:27:46,400 --> 00:27:48,879 Speaker 2: of raggedy, and I don't like the insurance. This is 533 00:27:48,920 --> 00:27:52,080 Speaker 2: a newly created position, too, so who knows what I'll 534 00:27:52,080 --> 00:27:54,639 Speaker 2: be getting myself into if I leave this job. It 535 00:27:54,720 --> 00:27:57,040 Speaker 2: is also remote. Maybe I could leverage it for a 536 00:27:57,119 --> 00:28:00,240 Speaker 2: negotiation at my current job. If they want me to stay, 537 00:28:00,359 --> 00:28:03,280 Speaker 2: I will honestly prefer to stay here for the benefits alone. 538 00:28:03,320 --> 00:28:05,320 Speaker 2: On top of all of this, I feel bad for 539 00:28:05,400 --> 00:28:09,000 Speaker 2: leaving the team because we are very understaffed. The director 540 00:28:09,000 --> 00:28:12,320 Speaker 2: who hired me, a black woman, has been on indefinitely 541 00:28:12,520 --> 00:28:15,679 Speaker 2: since June, but nobody knows what's going on. Another person 542 00:28:15,720 --> 00:28:18,600 Speaker 2: got let go because of a contract mishap with HR 543 00:28:18,800 --> 00:28:21,720 Speaker 2: right before that, and they haven't replaced their position. And 544 00:28:21,760 --> 00:28:24,040 Speaker 2: on top of that, one person is about to go 545 00:28:24,080 --> 00:28:28,480 Speaker 2: on maternity leave. December is our busiest month. Talk about bad. 546 00:28:28,320 --> 00:28:33,200 Speaker 1: Timing, okay, woof alrighty, So there's a lot going on here. 547 00:28:33,760 --> 00:28:37,440 Speaker 1: I can usually tell based on what like the question itself, 548 00:28:37,720 --> 00:28:40,080 Speaker 1: that people when people already know what they're gonna do. 549 00:28:40,680 --> 00:28:43,760 Speaker 1: And honestly, it's not even about the money so much 550 00:28:43,840 --> 00:28:49,240 Speaker 1: right now, it just genuinely feels like you are feeling 551 00:28:49,280 --> 00:28:51,360 Speaker 1: okay about where you are right now. I know that 552 00:28:51,400 --> 00:28:53,440 Speaker 1: I'm the Queen and Quintin and that I talk about 553 00:28:53,520 --> 00:28:56,479 Speaker 1: quitting all the time, but if you listen to my story, 554 00:28:56,520 --> 00:28:58,840 Speaker 1: I did not quit higglety pigglety. I did not quit 555 00:28:59,200 --> 00:29:03,320 Speaker 1: like randomly whenever it just any old thing came across 556 00:29:03,360 --> 00:29:06,440 Speaker 1: my desk. Any old opportunity came across my desk, it 557 00:29:06,520 --> 00:29:08,720 Speaker 1: had to meet a really high bar. It had to 558 00:29:08,720 --> 00:29:12,520 Speaker 1: be a significant pay increase most of the time, and 559 00:29:12,720 --> 00:29:17,080 Speaker 1: it also had to be a really attractive opportunity in 560 00:29:17,120 --> 00:29:19,160 Speaker 1: the sense that it gave me a new challenge, it 561 00:29:19,200 --> 00:29:22,920 Speaker 1: gave me a bigger title, more responsibility. Whatever it was 562 00:29:22,960 --> 00:29:25,000 Speaker 1: that I wanted out of my next opportunity, it had 563 00:29:25,000 --> 00:29:29,360 Speaker 1: to give me something juicy and different and appealing. And 564 00:29:29,960 --> 00:29:32,200 Speaker 1: right now it seems like all this new job has 565 00:29:32,280 --> 00:29:35,080 Speaker 1: going for it is an extra thirteen K salary increase 566 00:29:35,120 --> 00:29:37,640 Speaker 1: for me. To be honest, when you look at thirteen 567 00:29:37,720 --> 00:29:40,760 Speaker 1: K over the course of a year, you know, divided 568 00:29:40,840 --> 00:29:44,680 Speaker 1: up into twenty six paychecks after taxes, we're not talking 569 00:29:44,680 --> 00:29:48,760 Speaker 1: about a life changing amount of money. So I would 570 00:29:48,760 --> 00:29:51,280 Speaker 1: only take this job if you were really, really excited 571 00:29:51,280 --> 00:29:53,640 Speaker 1: about the job itself. I didn't hear you say much 572 00:29:53,680 --> 00:29:56,400 Speaker 1: about that. You may be a little bit too caught up. 573 00:29:56,800 --> 00:29:59,120 Speaker 1: I mean, it's important obviously to look at things like 574 00:29:59,160 --> 00:30:03,080 Speaker 1: healthcare benefit and other incentives, But have you thought about 575 00:30:03,080 --> 00:30:07,040 Speaker 1: the job itself. Do you want it, are you suited 576 00:30:07,080 --> 00:30:10,520 Speaker 1: for it? Is it better for you in your career? 577 00:30:11,040 --> 00:30:13,640 Speaker 1: And it may even be that, Okay, it's a thirteen 578 00:30:13,720 --> 00:30:17,360 Speaker 1: K increase, that's nice, but it's not amazing. But this company, 579 00:30:17,640 --> 00:30:20,200 Speaker 1: this company is incredible. I've always wanted to work for 580 00:30:20,240 --> 00:30:22,520 Speaker 1: this company, and once I get my foot in the door, 581 00:30:22,600 --> 00:30:25,360 Speaker 1: I could see myself ascending and moving and grooving through 582 00:30:25,400 --> 00:30:28,120 Speaker 1: the company to higher positions down the line. I'm not 583 00:30:28,280 --> 00:30:31,640 Speaker 1: hearing that kind of strategic thinking. So I would sit 584 00:30:31,680 --> 00:30:34,560 Speaker 1: with that for a minute and look at that look 585 00:30:34,560 --> 00:30:37,400 Speaker 1: at that potential new job from that lens. You know, 586 00:30:37,440 --> 00:30:40,000 Speaker 1: what is the long term potential of you making the 587 00:30:40,040 --> 00:30:44,000 Speaker 1: switch to your other points about like the job that 588 00:30:44,040 --> 00:30:48,200 Speaker 1: you've got now, you like the benefits. It's obviously it's 589 00:30:48,200 --> 00:30:50,600 Speaker 1: a known entity, like you've already worked there. But it 590 00:30:50,680 --> 00:30:54,080 Speaker 1: sounds a little bit like dysfunction junction girl, Like it 591 00:30:54,160 --> 00:30:56,760 Speaker 1: sounds a little bit like they're a hot mess. I mean, 592 00:30:56,840 --> 00:30:59,880 Speaker 1: you're understaffed. December is your busiest month. I know that 593 00:31:00,240 --> 00:31:02,560 Speaker 1: is obviously January. Now, so this is from a few 594 00:31:02,600 --> 00:31:05,760 Speaker 1: weeks ago when you sent this, But how much of 595 00:31:05,760 --> 00:31:08,840 Speaker 1: that is actually your responsibility to fix? At the end 596 00:31:08,880 --> 00:31:12,520 Speaker 1: of the day, we feel a sense of duty and 597 00:31:12,560 --> 00:31:15,640 Speaker 1: a sense of loyalty to our colleagues, which isn't a 598 00:31:15,680 --> 00:31:17,680 Speaker 1: bad thing. We want to be a good team player, 599 00:31:17,720 --> 00:31:20,000 Speaker 1: We want to help everybody, but at the end of 600 00:31:20,000 --> 00:31:23,760 Speaker 1: the day, you have got to put your own career, 601 00:31:24,480 --> 00:31:29,680 Speaker 1: your family's needs, your financial concerns front and center. It 602 00:31:29,800 --> 00:31:32,320 Speaker 1: sounds selfish because it's supposed to sound selfish. That's what 603 00:31:32,400 --> 00:31:36,280 Speaker 1: I want more people to be. I think selfish has become, 604 00:31:36,880 --> 00:31:38,520 Speaker 1: you know, in a lot of ways, just like this 605 00:31:39,000 --> 00:31:43,960 Speaker 1: demonized word. And typically the people who are punished for 606 00:31:44,040 --> 00:31:48,400 Speaker 1: being selfish, oh just so conveniently, tend to be people 607 00:31:48,440 --> 00:31:50,920 Speaker 1: of color, you know, people at the bottom of the 608 00:31:50,960 --> 00:31:54,680 Speaker 1: employee chain, the grunt workers, the worker bees. We're the 609 00:31:54,680 --> 00:31:56,560 Speaker 1: ones who are meant to be loyal. We're the ones 610 00:31:56,560 --> 00:32:00,200 Speaker 1: who are supposed to care about the understaffed team, Like 611 00:32:00,360 --> 00:32:03,280 Speaker 1: all that responsibility is falling on our shoulders. I'm telling you, 612 00:32:03,280 --> 00:32:05,560 Speaker 1: the people at the top don't feel that way. Okay, 613 00:32:05,640 --> 00:32:09,719 Speaker 1: the people at the top are putting themselves first. So 614 00:32:09,760 --> 00:32:12,000 Speaker 1: I want to like relieve you a bit of in 615 00:32:12,120 --> 00:32:15,000 Speaker 1: terms of your career choice. Don't let it be about 616 00:32:15,680 --> 00:32:18,800 Speaker 1: the struggles of the team that you're leaving. You can 617 00:32:18,840 --> 00:32:23,800 Speaker 1: acknowledge that you're leaving would be another hurdle for them 618 00:32:23,800 --> 00:32:26,719 Speaker 1: to overcome. But you are not responsible, as far as 619 00:32:26,720 --> 00:32:30,640 Speaker 1: I can tell, for the dysfunctional management, the dysfunctional planning 620 00:32:30,680 --> 00:32:34,160 Speaker 1: and organization of that company to have gotten to a 621 00:32:34,200 --> 00:32:36,800 Speaker 1: position where it is now, where it has so many gaps, 622 00:32:36,840 --> 00:32:40,360 Speaker 1: and where a person like you is feeling overwhelmed and 623 00:32:40,440 --> 00:32:42,840 Speaker 1: stressed out about it. You know, like, ah, that's above 624 00:32:42,840 --> 00:32:45,720 Speaker 1: your pay grade. I'm going to imagine, Okay, So I 625 00:32:45,800 --> 00:32:48,160 Speaker 1: would relieve you a little bit of that stress, and 626 00:32:48,200 --> 00:32:51,160 Speaker 1: I would not factor that into your decision. I would 627 00:32:51,160 --> 00:32:53,080 Speaker 1: bring it back to what I originally said. When it 628 00:32:53,080 --> 00:32:54,800 Speaker 1: comes to this new job, what do they have going 629 00:32:54,840 --> 00:32:58,040 Speaker 1: for it besides the thirteen K salary increase? Thirteen K 630 00:32:58,160 --> 00:33:00,920 Speaker 1: is decent, But for me, I'm an need you to 631 00:33:01,040 --> 00:33:04,240 Speaker 1: find out more and have more reasons for joining than 632 00:33:04,320 --> 00:33:06,480 Speaker 1: just that thirteen K increase. It's going to have to be, 633 00:33:06,680 --> 00:33:09,520 Speaker 1: like I said, better opportunity for you. It sounds like 634 00:33:09,560 --> 00:33:10,840 Speaker 1: you would like to work for a team that's got 635 00:33:10,840 --> 00:33:13,880 Speaker 1: it shited together. I know, I know that you said, 636 00:33:13,880 --> 00:33:16,600 Speaker 1: this is a newly created position, this new job, and 637 00:33:16,640 --> 00:33:18,520 Speaker 1: who knows what you'll be getting yourself into. But those 638 00:33:18,520 --> 00:33:20,840 Speaker 1: are questions you can ask during a job interview, like 639 00:33:20,920 --> 00:33:23,800 Speaker 1: you can interview them as well, and you can be candid. Hey, 640 00:33:24,360 --> 00:33:26,560 Speaker 1: the job that I'm at right now, I love it 641 00:33:26,600 --> 00:33:29,480 Speaker 1: for these reasons, but one of my pain points has 642 00:33:29,520 --> 00:33:32,800 Speaker 1: been the lack of communication, the sense of being asked 643 00:33:32,800 --> 00:33:35,720 Speaker 1: to do more with less. What assurances can you give 644 00:33:35,720 --> 00:33:37,760 Speaker 1: me that your team will be different and leave it 645 00:33:37,800 --> 00:33:40,280 Speaker 1: like that? You can definitely ask that when you talk 646 00:33:40,360 --> 00:33:43,120 Speaker 1: to a hiring manager during an interview and have them 647 00:33:43,160 --> 00:33:45,760 Speaker 1: tell you what makes them different, How organized are they? 648 00:33:45,800 --> 00:33:48,400 Speaker 1: How many resources do you have? You know, what is 649 00:33:48,440 --> 00:33:50,680 Speaker 1: the support for someone in your role and that may 650 00:33:50,720 --> 00:33:53,440 Speaker 1: be even more like valuable to you than even that 651 00:33:53,480 --> 00:33:56,440 Speaker 1: thirteen K salary increase if it means you can genuinely 652 00:33:56,480 --> 00:33:58,400 Speaker 1: feel like what it feels to work in a job 653 00:33:58,440 --> 00:34:02,040 Speaker 1: where you got some support underneath you. You know what I mean. 654 00:34:02,920 --> 00:34:06,120 Speaker 1: So I appreciate your question, miss Belinda from the DMV, 655 00:34:06,440 --> 00:34:09,360 Speaker 1: but think about all of that, okay, And I'll just 656 00:34:09,440 --> 00:34:11,719 Speaker 1: leave you with this. The fact that a woman reached 657 00:34:11,719 --> 00:34:13,960 Speaker 1: out to you on LinkedIn tells me that your LinkedIn 658 00:34:14,080 --> 00:34:16,759 Speaker 1: is good. Like you are being found by recruiters and 659 00:34:16,800 --> 00:34:19,000 Speaker 1: if it's not this opportunity, it could very well be 660 00:34:19,040 --> 00:34:21,680 Speaker 1: another one down the line. So if you feel okay 661 00:34:21,680 --> 00:34:25,480 Speaker 1: where you're at now financial, your sound, career wise, you're fine. 662 00:34:25,800 --> 00:34:27,919 Speaker 1: You can deal with the dysfunction junction for a little 663 00:34:27,920 --> 00:34:31,240 Speaker 1: bit longer. Keep your eyes peeled for opportunities on LinkedIn 664 00:34:31,320 --> 00:34:33,839 Speaker 1: like you've been doing, but keep interviewing. There may be 665 00:34:33,840 --> 00:34:36,920 Speaker 1: a job that gives you everything you wanted more. It 666 00:34:37,000 --> 00:34:40,720 Speaker 1: just hasn't found you yet. Okay. The end, poor ambush 667 00:34:40,800 --> 00:34:44,000 Speaker 1: is like, yeah, maybe talks real good. 668 00:34:44,719 --> 00:34:47,400 Speaker 2: All of that, all of that and more, all. 669 00:34:47,320 --> 00:34:50,680 Speaker 1: That, Well, thank you so much for the question, Melinda, 670 00:34:50,760 --> 00:34:52,960 Speaker 1: And I forget Melinda. Oh yeah, Melinda is a pseudonym, 671 00:34:53,040 --> 00:34:55,080 Speaker 1: so don't y'all go look for Melinda and the DMV. Okay, 672 00:34:55,080 --> 00:34:59,680 Speaker 1: that's not her real name. Okay, thank you so much, Melinda, 673 00:35:00,239 --> 00:35:02,719 Speaker 1: Thank you all for your questions. Amber. Do you want 674 00:35:02,719 --> 00:35:04,480 Speaker 1: to take a stab at telling people how they can 675 00:35:04,520 --> 00:35:06,320 Speaker 1: send us a question at Brown Ambition? 676 00:35:06,480 --> 00:35:10,360 Speaker 2: Absolutely so. You definitely can get on Instagram and dm 677 00:35:10,480 --> 00:35:13,000 Speaker 2: us and let us know. You can also visit our 678 00:35:13,040 --> 00:35:15,560 Speaker 2: website and sum at your questions in there as well. 679 00:35:16,360 --> 00:35:18,200 Speaker 2: Is that another way that they can send me a question? 680 00:35:18,320 --> 00:35:23,120 Speaker 1: Email Brandambition Podcast at gmail dot com. You can tell 681 00:35:23,120 --> 00:35:25,120 Speaker 1: it's ten minutes to the hour because I'm just getting 682 00:35:25,160 --> 00:35:27,600 Speaker 1: all my notifications going off about my next meeting at 683 00:35:27,600 --> 00:35:29,759 Speaker 1: two thirty. Oh my gosh, and you learn how to 684 00:35:29,760 --> 00:35:34,480 Speaker 1: silence those. But yeah, we can't wait. I know the 685 00:35:34,560 --> 00:35:36,839 Speaker 1: things give me anxiety too. Well. It felt really good 686 00:35:36,840 --> 00:35:39,520 Speaker 1: to answer y'all's questions again, Like Amber said, hit us 687 00:35:39,600 --> 00:35:42,920 Speaker 1: up on IG at our website, Brandambission podcast dot com, 688 00:35:42,960 --> 00:35:46,120 Speaker 1: send us a note, briand Mbisson podcast at gmail dot com. 689 00:35:46,200 --> 00:35:48,520 Speaker 1: B a Q and A is back, So start sending 690 00:35:48,560 --> 00:35:51,680 Speaker 1: your questions in again and we will hope to talk 691 00:35:51,880 --> 00:35:54,400 Speaker 1: to y'all soon. Byba Fam