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Speaker 1: Hey, hey, hey, we're back. We're brown.

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Speaker 2: Hey, mandra, hey to how's it going.

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Speaker 1: It's going excellent? Actually, well, I mean I don't know.

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Speaker 3: I'm in a good mood even though, like you know,

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Speaker 3: everything's falling down.

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Speaker 1: But you know, hey, I mean I'm alive.

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Speaker 2: You did the whole. Don't tell the universe it's going good.

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Speaker 1: No, I don't know. I am in a good mood.

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Speaker 1: Maybe today. I had a good nap today.

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Speaker 3: So when I've got a good nap day, you know,

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Speaker 3: I feel like I could take on the world.

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Speaker 1: And oh, I've got the tub.

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Speaker 2: Oh well, it's the little things, isn't it.

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Speaker 3: Because it's hard because you know, Superman is sixty six,

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Speaker 3: so my plumbing starts soon and my contractors like, you

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Speaker 3: really need to find a tub. And I didn't want

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Speaker 3: a tub that was gonna like because our bathroom is

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Speaker 3: a good signe but it's not a huge bathroom. But

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Speaker 3: I wanted to stand alone tub and to find one

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Speaker 3: that could fit him but not also like dwarf the bathroom.

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Speaker 1: So we found one and it's really great.

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Speaker 3: And people tell you to stay away from acrylic because

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Speaker 3: the krylic cracks and there's just so many things to

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Speaker 3: learn so we got a stone stone resin tub.

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Speaker 1: Have you heard of those?

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Speaker 2: I did not choose our tub, but yikes, I do

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Speaker 2: know about Like there's different floor materials. I don't know.

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Speaker 2: I woke up in a cold sweat. This is what happens.

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Speaker 2: I woke up in a cold sweat, and I was like,

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Speaker 2: our bathroom floor tile is too slippery. We're gonna break

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Speaker 2: an elbow. Like we're gonna slip. We're gonna break an elbow.

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Speaker 2: It's gonna be a whole thing. It's like my fear

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Speaker 2: is falling into like slipping in the bathroom, you know.

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Speaker 2: And I'm like it's too slippery and it's too late

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Speaker 2: because it's been delivered. I mean, I got over it,

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Speaker 2: but I'm definitely at the stage where it you make

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Speaker 2: all these decisions. But the thing is, the project takes

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Speaker 2: so long and you have so much time to like

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Speaker 2: second guess yourself, which is the it's killing me. I'm like, wait,

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Speaker 2: did we choose to fright shower tile? Like we really

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Speaker 2: do we really need? Do we really need two windows there?

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Speaker 2: But they're already put in the walls. Like it's you know, it.

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Speaker 3: Is it is very very near racking because it's definitely,

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Speaker 3: like especially when it comes down to doing like the

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Speaker 3: big things, like cause framing is.

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Speaker 1: Pretty easy because literally you can be like, you know what,

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Speaker 1: I changed my mind.

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Speaker 3: I want it to be a little bit bigger, and

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Speaker 3: they can take down the wood and put it back up.

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Speaker 3: But like plumbing and electric, it's like, oh we're here now.

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Speaker 2: Yeah, they're starting to patch up walls now, so it's

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Speaker 2: getting real serious. We did, we did have our We

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Speaker 2: haven't had too many like oh god, we found this

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Speaker 2: and now it's going to cost you know, so much

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Speaker 2: more money to fix it. We haven't really had any

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Speaker 2: of those experiences, but we had. So we have a

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Speaker 2: deck that we are expanding and I noticed there was

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Speaker 2: this big patch that I was seeing because you could

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Speaker 2: see the bottom of the deck through our kitchen ceiling now,

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Speaker 2: and I noticed this big patch of like dark rotted

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Speaker 2: wood and I was like, oh, snap, what is that?

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Speaker 2: And it turned out to be a leak And it's

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Speaker 2: going to cost us fifteen hundred dollars extra just to

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Speaker 2: patch this little like two foot by two foot section

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Speaker 2: of our deck, which which sucks, but honestly, I mean

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Speaker 2: still knock on food because anything could happen. But we'll

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Speaker 2: have to dip into our contingency fund for that, which

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Speaker 2: makes me kind of I feel like we started dipping

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Speaker 2: into our contingency fund for things that weren't quite contingencies,

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Speaker 2: but more like I really would like a central light fixture.

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Speaker 2: Let's add that to the electrical plan.

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Speaker 1: Hmm.

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Speaker 3: I know exactly what you mean, but like, we've had

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Speaker 3: like contingency fund things where I'm like, so we're definitely

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Speaker 3: using We probably use about half our contingency fund already.

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Speaker 3: I'm just like, I'm hoping because everything's open, so I'm like, well,

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Speaker 3: we should be good now.

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Speaker 1: Right, because we've already seen everything.

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Speaker 3: And then at one point the boiler wasn't working, but

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Speaker 3: now it is, so I think we're we're rocking around

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Speaker 3: in My sister's already, like, so can I move in?

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Speaker 3: I'm like, we're not even finished renovating it, and you

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Speaker 3: already want to take this ver bed and.

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Speaker 1: She's like, I want to work on my dreams. It

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Speaker 1: looks like we already have a roommate. But yeah, the

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Speaker 1: things are going good other than that house. Lie, what

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Speaker 1: did you do this weekend? Oh?

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Speaker 2: You know, picked up some toilets, normal stuff, got a

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Speaker 2: little I made some decisions around holiday spending. I think

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Speaker 2: we're gonna do We're definitely not doing gifts for each other,

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Speaker 2: but I think my siblings and I, since we're not

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Speaker 2: going to be together this holiday season, I think we're

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Speaker 2: gonna end up doing the whole secret Sanda thing again

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Speaker 2: and just sending each other a gift because I could

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Speaker 2: pull the whole I'm doing a home renovation. I don't

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Speaker 2: have money for that thing, but I did just spend

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Speaker 2: fifty dollars on a tolet paper holder, so maybe I

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Speaker 2: can afford to get my sister.

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Speaker 1: A little how much as.

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Speaker 2: I don't know what it slipped through. I don't know

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Speaker 2: how it happened, but there was a long list of things,

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Speaker 2: and I just said, okay, okay, it slipped through. But

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Speaker 2: if you think about how many times will you use it?

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Speaker 3: I mean, when you're like renovating, so many things go

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Speaker 3: out the window, and I guess it's like planning a

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Speaker 3: wedding where you're like, I would never spend that amount

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Speaker 3: of money, and then it happens and you're like, but

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Speaker 3: I mean, don't we all need a twenty five hundred

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Speaker 3: dollar tab?

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Speaker 1: And I was like, what am I doing? What?

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Speaker 3: Life but anyway, but no, this this past weekend, I

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Speaker 3: did the Texas Women's Conference.

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Speaker 2: Oh okay, so yeah, that was.

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Speaker 1: Well, there's a women's conference.

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Speaker 3: I think it like uh, it like floats around the country.

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Speaker 3: I think it goes to like five different locations and

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Speaker 3: they're pretty big. So the one in Texas it's the biggest,

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Speaker 3: the big biggest women's conference in Texas. It was seventy

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Speaker 3: nine hundred women and doctor Brene Brown, who I love,

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Speaker 3: was there and then also Reese Witherspoon.

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Speaker 1: They were both keynotes.

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Speaker 3: So I did a breakout session just like seven ways

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Speaker 3: to Live a Richer life, just the basics like budgeting,

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Speaker 3: credit whatever. But there were just so many women. Honestly,

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Speaker 3: it was really awesome. The energy was awesome. Usually I'm

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Speaker 3: not really like someone who like loves conferences because sometimes

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Speaker 3: they don't seem so useful, you know. But I have

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Speaker 3: to say, this is my second women's conference, like with

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Speaker 3: it's literally called like the Women's Conference, So I think

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Speaker 3: the last one I did was in Pennsylvania, I think.

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Speaker 3: But I liked them because they really insist that you

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Speaker 3: give actionable steps, so you really leave feeling like, oh

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Speaker 3: I took this, you know, breakout session or whatever, and

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Speaker 3: I left with some actionable items and steps to do. So,

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Speaker 3: like I said, I have to say it was. It

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Speaker 3: was a really good weekend. And I got to meet

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Speaker 3: this woman named Jessica. I'm gonna mess up her last name,

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Speaker 3: but she like changed my life. So she was just

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Speaker 3: telling me about a business she owned. It this is

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Speaker 3: how you just never know about folks. She was telling

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Speaker 3: me about a business she owned that she started. It's

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Speaker 3: a social enterprise. And for those of you who don't know,

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Speaker 3: social enterprise is a business that really the it's Honegger,

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Speaker 3: that's her last name. It's a business that the purpose

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Speaker 3: comes before the profit. So you know, of course you

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Speaker 3: want to make money, but really there's like a you know,

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Speaker 3: like a the mission is really purpose driven versus profit driven.

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Speaker 1: And she started this have you ever heard of Noonday Collection? No?

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Speaker 2: I haven't.

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Speaker 1: So she like buys.

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Speaker 3: Jewelry from what she calls vulnerable populations, so populations where

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Speaker 3: folks really don't have access to the market, but they make,

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Speaker 3: they make their artisans and they make beautiful things. And

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Speaker 3: she started it as a fundraiser because she wanted to

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Speaker 3: adopt a little boy from Rwanda. Her and her husband.

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Speaker 3: Then the recession hit and they were in real estate.

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Speaker 3: They lost everything, so they purchased some I think some

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Speaker 3: jewelry from his village or I think she purchased it

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Speaker 3: from Uganda, and she sold it to her friends and

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Speaker 3: to say, hey, I'm doing this.

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Speaker 1: Fundraiser so we can you know, bring my son home.

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Speaker 3: And then it started to do really well, and then

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Speaker 3: her friends were like, hey, I want to sell jewelry

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Speaker 3: and help people in another country, but also make money too,

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Speaker 3: And I was like, oh, wow, that's really nice. And

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Speaker 3: then she was telling me how they grossed eighteen million

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Speaker 3: dollars this year or last year, and I was like,

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Speaker 3: wait what.

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Speaker 1: So it just wasn't really speaking with her was a really.

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Speaker 3: Great reminder of how, like, you know, you can do

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Speaker 3: good work, help good people, and make good money.

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Speaker 1: So that was just like the most inspiration.

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Speaker 3: I just happened to be sitting next to her and

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Speaker 3: she was just sharing that she's also the fastest growing

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Speaker 3: privately held company direct sales, and so I just thought, wow,

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Speaker 3: it was just such a great example that, you know,

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Speaker 3: because that's what I'm wanting to do. I'm wanting to

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Speaker 3: make sure that we run a company that is integrity

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Speaker 3: above all else people and purpose above profit.

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Speaker 1: But it doesn't mean you don't want to make profit.

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Speaker 3: So just to see that she was navigating that successfully

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Speaker 3: was really inspirational.

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Speaker 2: How do you feel about I mean, I know that

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Speaker 2: you speak at conferences and stuff, but I wonder, like

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Speaker 2: our listeners, are there conferences that you guys attend, like

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Speaker 2: as attendees, like outside of stuff that you might do

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Speaker 2: for work. Because I've like I've gotten I just got

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Speaker 2: an invite to like the World Business Forum in New

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Speaker 2: York City, which is meant to be for business leaders

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Speaker 2: to come together, and then you hear from people like

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Speaker 2: Seth Godin and Ariana Huffington and it's focused. It's less

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Speaker 2: of like this will help me as an editor and

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Speaker 2: more this will help me, you know, like as a leader.

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Speaker 2: And some of these tickets are really expensive, like I'm

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Speaker 2: getting because I'm with the media, I could you know,

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Speaker 2: get a comp ticket or whatever. But like if you're

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Speaker 2: out there and you're listening and you guys like you

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Speaker 2: purchased tickets for conferences, I just wonder, like, what are

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Speaker 2: your favorite ones? You know, what ones have really helped

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Speaker 2: you that you would go to on an annual basis.

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Speaker 2: Maybe it's Essence Fest or I don't know. I went

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Speaker 2: to one that was hosted by Meeker Brazhenski, Like from

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Speaker 2: that show on MSNBC. What can I think of it

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Speaker 2: right now? The know your Worst Tour? Did you speak

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Speaker 2: at that tour?

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Speaker 1: Yes, okay I did when it first came out.

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Speaker 2: Yeah, you make the rounds. But like, there were so

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Speaker 2: many women at that conference. I remember Elizabeth Warren spoke.

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Speaker 2: She was one of the keynotes at that conference, and

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Speaker 2: like the crowd was crazy. I'm just thinking, like, who

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Speaker 2: are these women who aren't getting free tickets, who are

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Speaker 2: actually spending money to go to these conferences. Yeah, I

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Speaker 2: don't know. I just I'm curious if you guys email

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Speaker 2: us at broad Ambition Podcast at gmail dot com dot com,

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Speaker 2: if you have a conference that you like, or anything

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Speaker 2: to say about conferences that have helped you or in

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Speaker 2: your business or personal life. Just just curious.

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Speaker 1: No, that's awesome.

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Speaker 3: Yeah, I wonder if you were at the same one,

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Speaker 3: because I was there when Elizabeth Warren's books.

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Speaker 1: I'm like, I want if we were in the same room.

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Speaker 2: I think we were. I I covered it because I

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Speaker 2: was I was at Yahoo Finance then I was a

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Speaker 2: reporter and I was doing a story on Mika's new book,

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Speaker 2: Know Your Value, and then she tried to she like

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Speaker 2: launched it into a mini tour. So I was there.

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Speaker 2: I interviewed Hoda and I interviewed.

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Speaker 1: Yes, I was there. That's so crazy that we were

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Speaker 1: in the same room.

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Speaker 2: Yeah, and Andre Leon Talley, who was really sweaty and

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Speaker 2: hot and he is very, very very That is the

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Speaker 2: visceral memory I have of that interview.

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Speaker 1: But no, that's awesome.

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Speaker 3: So yeah, because you know, there are definitely some conferences

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Speaker 3: where you're like, why did I come?

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Speaker 2: Oh, yes, spill the tea on the ones that you

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Speaker 2: didn't think were worth your time. It's also like the

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Speaker 2: end of your time, and I know I'm I'm about

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Speaker 2: to Like deadlines are if you're like leadership institutes or

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Speaker 2: trainings out there, a lot of their deadlines are in

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Speaker 2: the fall. I have to submit an application for a

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Speaker 2: I'm trying to do. Last year, I did an leadership

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Speaker 2: institute for or young or diverse I think it was

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Speaker 2: diverse editorial leaders at the Pointer Institute, And I'm doing

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Speaker 2: I'm going to apply for another program that's focused on women,

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Speaker 2: but same similar thing. Women leaders in journalism, and it's

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Speaker 2: through the Online News Association. It's like a one week

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Speaker 2: accelerator program. And I'm going to try to keep doing

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Speaker 2: at least one of these a year. And if your company,

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Speaker 2: you know, would reimburse you for something like that, then

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Speaker 2: you know, see what deadlines are out there, if there's

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Speaker 2: anything that interests you for twenty nineteen, because some of

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Speaker 2: them have deadlines now.

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Speaker 3: So I think to consider I feel like I feel like,

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Speaker 3: you know, extended learning is always you know, it's always

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Speaker 3: a good thing. So if you can, you know, if

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Speaker 3: you can sign up for something where you know you're

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Speaker 3: actually going to take something away. I always think to

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Speaker 3: myself like it's less to me about like the woman

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Speaker 3: on the stage or the man on the stage or whoever.

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Speaker 3: And I really try to make it my business to

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Speaker 3: connect with the person sitting next to me because you

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Speaker 3: never know, like look at Jessica Harr.

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Speaker 1: I'm gonna say her name wrong.

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Speaker 3: But you know, like look who I met. You know

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Speaker 3: that wasn't she just was sitting next to me. Honegger,

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Speaker 3: Sorry Jessica.

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Speaker 1: Oh what Honegger? H O n E g g E

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Speaker 1: r hoenegger mm hmm a dry So yeah, So I'm like,

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Speaker 1: you know, I just think that.

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Speaker 3: I think sometimes a lot of times when people go

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Speaker 3: to conferences, they think like you know, or they're wanting

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Speaker 3: to connect with the person that's speaking, which is obviously

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Speaker 3: you know, dope, But sometimes the people who are sitting

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Speaker 3: next to you are like way doper and just turning

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Speaker 3: to the lesson to the right and asking questions and connecting.

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Speaker 3: So yeah, I'm not a huge conference fan, only because

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Speaker 3: sitting sometimes, unless like the speaker is really dynamic, I

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Speaker 3: get like bored easily.

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Speaker 1: But but when.

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Speaker 3: It's a really good speaker and I get some actionable

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Speaker 3: things to do, then I'm all for it.

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Speaker 2: Cool. Cool. What else is happening in the world. California

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Speaker 2: is burning?

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Speaker 1: Trump is tweeting, Yeah, what you know, we do have

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Speaker 1: the house, So there's that.

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Speaker 2: But is that your response to California's burning?

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Speaker 1: I got a house.

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Speaker 3: No, No, I didn't meant the half I met like

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Speaker 3: the Democrats got the house.

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Speaker 1: Oh, I was like, no way that.

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Speaker 2: I thought that was off personality, I mean off brand

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Speaker 2: for you, off brand.

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Speaker 1: Now I met that, like you know that. Politically, Yeah,

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Speaker 1: some change happening.

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Speaker 2: I have been on like tenter hooks. Who I've never

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Speaker 2: used that in a sentence, tenter Hooks. I'm so, you know,

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Speaker 2: it's a good word because what's happening in Georgia right

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Speaker 2: now with the I think last week even on the show,

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Speaker 2: we talked about the election results, but at Stacy Abrams

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Speaker 2: and Brian Kemp, there's still not a declared winner. Like

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Speaker 2: it's like a week later, it's not a declared winner,

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Speaker 2: and they're recounting every single vote, and I'm just like,

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Speaker 2: it's nail biting right now.

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Speaker 3: Sometimes you know, I plug in and I see what's

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Speaker 3: going on with the world, and other times I'm like,

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Speaker 3: you know what.

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Speaker 1: I gotta plug out. I can't do I can't do it.

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Speaker 1: But you know, I mean, definitely the midterm election.

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Speaker 3: What it did make me excited for was to see

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Speaker 3: just how many people participated.

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Speaker 1: It felt like we were voting for president.

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Speaker 3: Like I'd never seen that many people out for midterm,

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Speaker 3: So that's always a good thing.

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Speaker 2: Did you see that Starbucks is laying off five percent

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Speaker 2: of its workforce? No, why, I don't know. I guess

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Speaker 2: business is not booming.

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Speaker 3: But millennials killing coffee too, because you know, they blame

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Speaker 3: you off everything.

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Speaker 1: Yeah.

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Speaker 2: I read a story this week that millennials are killing

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Speaker 2: the pet food industry because they're shopping for fancy dog

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Speaker 2: food and the bad like the cheap stuff that like

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Speaker 2: my cat ate when not dogs, but pets in general,

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Speaker 2: the cheap stuff like what did my cat eat? Like

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Speaker 2: parina or like kibbles and bits or whatever. Like, millennials

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Speaker 2: are spending twice as much as they were on dog food,

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Speaker 2: like the organic y Yeah, like just spending so much

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Speaker 2: money now that the yeah, the ones who make the

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Speaker 2: cheap stuff aren't doing so good, which.

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Speaker 3: Seems so weird because it's like at the same time

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Speaker 3: they're like millennials are broke, you know. They tell you, guys,

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Speaker 3: everything but a child of God.

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Speaker 2: When it comes to pets, people are just not It's nonsensical.

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Speaker 3: Yes, somebody posted in my on Facebook you don't have

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Speaker 3: the DreamCatcher group, And somebody posted, you know, I'm really

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Speaker 3: struggling with my finances. I'm really thinking about giving up

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Speaker 3: my dog, like you know, like you know, either giving

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Speaker 3: it to a friend or whatever.

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Speaker 1: People were livid. I couldn't believe it. I had to

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Speaker 1: turn off the comments. They were like, would you give

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Speaker 1: your child to your friends? And I'm like, oh no,

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Speaker 1: she could that's a human, I know.

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Speaker 3: And it wasn't like she wasn't saying like I'm going

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Speaker 3: to leave my dog outside, you know, and walk away.

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Speaker 3: She was just like, you know, you could tell she's

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Speaker 3: like I obviously I love my dog, but it's to

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Speaker 3: the point where I can't afford my life and I'm

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Speaker 3: trying to figure out what what do I do? You know,

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Speaker 3: what do you guys think? And so I just was

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Speaker 3: just reminding folks, you know, to keep it kind. But

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Speaker 3: you know, I mean, yeah, I had to turn off

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Speaker 3: the comments because people were really angry, like how yeah,

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Speaker 3: how dare you even consider like leaving your dog who

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Speaker 3: was clear a human with your friend or you know

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Speaker 3: or whatever that Like, Like I said, it wasn't like she

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Speaker 3: was gonna euthanize her dog. She just was like I

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Speaker 3: just can't afford And someone was like, well, be homeless

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Speaker 3: with your dog. I'm like, you know what, block black

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Speaker 3: crazy lady. So yeah, so I just thought, like, you know,

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Speaker 3: people are very, very very attached to their animals.

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Speaker 1: I don't have any animals. I have them as a kid, I.

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Speaker 2: Do in my dreams.

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Speaker 1: I don't want a dog.

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Speaker 2: I don't in my in my imagination all the time.

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Speaker 2: I'm like, I'm gonna steal that dog. I haven't done.

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Speaker 3: Just so many dogs are so stinky. Sorry, people with dogs,

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Speaker 3: I'm sorry. I'm half my friends with dogs, I'm like, oh,

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Speaker 3: I know you have a dog.

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Speaker 2: You know I don't want to fight with you. Right now,

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Speaker 2: it's the holidays almost, let's not let's not start talking

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Speaker 2: trash about dogs, who are just God's gift to the world.

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Speaker 3: I mean, I can live with the you know, cats,

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Speaker 3: I could deal, you know, but I mean, and honestly,

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Speaker 3: I don't. I actually like dogs, but let's not pretend

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Speaker 3: like they don't come with a little bit.

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Speaker 2: Of I mean, some of them more than others, is true.

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Speaker 2: Everyone loves Corgi's. They stink and they shed like a mother.

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Speaker 2: I need to know though, from our listeners. Another question

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Speaker 2: for the listeners. Email us and tell us what is

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Speaker 2: like an embarrassing amount of money you spent on your pet.

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Speaker 2: I know people out there who've gone to debt for

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Speaker 2: their pets. They take out these credit cards to pay

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Speaker 2: for their pet at the veterinarian and end up paying

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Speaker 2: those cards off for years, no joke. So if you,

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Speaker 2: I mean, this is a safe space you can be anonymous.

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Speaker 2: I want to know your pet. I want to know

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Speaker 2: how much you spent on your pet and what crazy

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Speaker 2: things you've purchased for them. M Grandomission Podcast at gmail

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Speaker 2: dot com dot com.

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Speaker 1: All right, are we going to take some question on

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Speaker 1: I do.

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Speaker 2: I have a question from an anonymous listener who is

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Speaker 2: torn between two job offers. First of all, what a

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Speaker 2: nice place to be just the first and foremost.

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Speaker 1: Okay, that is a nice place, but she can't.

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Speaker 2: Decide which is the right opportunity, so let's hear from her.

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Speaker 2: She says, I'm currently evaluating two job offers. One is

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Speaker 2: a very exciting it's with the company that I'm not

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Speaker 2: sure about, though they specialize in debt collection. The role

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Speaker 2: would be in corporate philanthropy, though, which is a dream

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Speaker 2: job for me. However, I don't feel like working. I

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Speaker 2: don't feel that working for a debt collection company reflects

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Speaker 2: my values. Is there anything redeeming about the debt collection industry?

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Speaker 2: I think I already know the answer to this question.

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Speaker 2: The other job is with the more reputable company, but

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Speaker 2: it seems a bit boring and everyone is much older

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Speaker 2: than me. My husband's encouraging me to take this job.

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Speaker 2: Because the benefits are better and he wants me to

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Speaker 2: be sensible. It's hard to talk to him about finding

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Speaker 2: a job I love because he's too practical. He's a

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Speaker 2: work at the boring job for thirty years kind of guy.

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Speaker 2: I'd love some advice. Dot dot dot dot dot. So

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Speaker 2: what she should do? Work for the shadier company that's

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Speaker 2: the perfect job for her, or the more sensible company

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Speaker 2: that could be boring but has good benefits.

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Speaker 1: So how is the detection company the perfect job? Again?

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Speaker 2: It's incorporate philanthropy, which she says is a dream job

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Speaker 2: for her. If the company has a philanthropic arm, maybe

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Speaker 2: they're not. I mean, she doesn't give us a name

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Speaker 2: with the company at all, but I mean not all. Yes,

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Speaker 2: many you know a lot of debt collection. You know,

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Speaker 2: firms get a bad rap, but it's you know, it's

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Speaker 2: a it's a reality in this country that we have

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Speaker 2: a debt based not a debt based economy. But a

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Speaker 2: lot of people use debt and a lots some people

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Speaker 2: can't pay it back. So we need to have institutions

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Speaker 2: that can get it back. Some institutions are really shady

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Speaker 2: about it, and they break the law and they do

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Speaker 2: things that are you know not you know, not that

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Speaker 2: aren't kosher, like harassing people. But some companies are just

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Speaker 2: doing what they need to do. You know, they're hired

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Speaker 2: to recoup debts, and they're not all shady. The fact

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Speaker 2: that this one has a like a foundation of some kind,

435
00:19:44,960 --> 00:19:47,560
Speaker 2: maybe they're one of the less shady ones. So I

436
00:19:47,600 --> 00:19:51,080
Speaker 2: wonder how much research she's put into the company itself

437
00:19:52,160 --> 00:19:54,679
Speaker 2: before deciding that, like painting with a broad brush, that

438
00:19:54,720 --> 00:19:57,239
Speaker 2: it deals with debt collection. So it must be you know,

439
00:19:57,320 --> 00:19:58,119
Speaker 2: a terrible place.

440
00:19:59,320 --> 00:19:59,560
Speaker 1: Yeah.

441
00:19:59,720 --> 00:20:02,720
Speaker 3: So so honestly, like so she's not actually going to

442
00:20:02,760 --> 00:20:10,480
Speaker 3: be the doing that that collecting it would be exactly Honestly,

443
00:20:10,960 --> 00:20:13,720
Speaker 3: that is hard because that whole that collecting part, I mean,

444
00:20:13,760 --> 00:20:15,800
Speaker 3: and honestly, I would look, I mean, I'm I'm assuming

445
00:20:15,840 --> 00:20:17,040
Speaker 3: you looked on glass Door.

446
00:20:17,040 --> 00:20:18,159
Speaker 1: If you haven't, you should.

447
00:20:19,280 --> 00:20:20,959
Speaker 3: That's where you can kind of see like what it's like,

448
00:20:21,160 --> 00:20:23,439
Speaker 3: what employees say about working and take it with a

449
00:20:23,440 --> 00:20:24,000
Speaker 3: grain of salt.

450
00:20:24,000 --> 00:20:25,640
Speaker 1: But still, you know, it's true.

451
00:20:25,680 --> 00:20:27,000
Speaker 2: It's a good idea, you know.

452
00:20:28,800 --> 00:20:33,679
Speaker 3: Yeah, I mean, just because it's that collection doesn't necessarily

453
00:20:33,720 --> 00:20:37,000
Speaker 3: mean they're shady, like Mandy said, and especially if you're

454
00:20:37,000 --> 00:20:39,479
Speaker 3: working in a department where it's in alignment with what

455
00:20:39,520 --> 00:20:40,520
Speaker 3: you want to do with your life.

456
00:20:40,800 --> 00:20:42,600
Speaker 1: You might have like a one year plan there, like

457
00:20:42,960 --> 00:20:43,760
Speaker 1: I'm going to work.

458
00:20:43,600 --> 00:20:47,399
Speaker 3: In the philanthropy department here and then move on to

459
00:20:47,440 --> 00:20:51,000
Speaker 3: another philanthropy department in a company that I feel even

460
00:20:51,040 --> 00:20:53,680
Speaker 3: more comfortable with, because you have to think of My

461
00:20:53,720 --> 00:20:55,720
Speaker 3: sister would always tell me when you're going from job

462
00:20:55,760 --> 00:20:57,840
Speaker 3: to job that it's a building block.

463
00:20:58,240 --> 00:20:59,720
Speaker 1: That that's what you have to think about it as.

464
00:21:00,080 --> 00:21:03,159
Speaker 3: So if I'm assuming you have a foundation already, so

465
00:21:03,320 --> 00:21:05,600
Speaker 3: if this is a block that you're building, if this

466
00:21:05,680 --> 00:21:07,840
Speaker 3: is like a brick, a layer of brick that you're

467
00:21:07,840 --> 00:21:11,560
Speaker 3: building on the eventual house of your ideal job and

468
00:21:11,680 --> 00:21:16,440
Speaker 3: career and whatever, does this add to that foundation? Because

469
00:21:16,440 --> 00:21:19,320
Speaker 3: it sounds like a boring company doesn't like it's not

470
00:21:19,640 --> 00:21:23,240
Speaker 3: bringing you closer to where you eventually want to be, you.

471
00:21:23,280 --> 00:21:23,840
Speaker 1: Know what I mean.

472
00:21:24,200 --> 00:21:27,840
Speaker 3: So normally I'd be like, ah, that collection, you know

473
00:21:27,840 --> 00:21:30,960
Speaker 3: I have, the crossing is you know, like yo, don't

474
00:21:31,000 --> 00:21:34,480
Speaker 3: go it. But it sounds like that the actual job

475
00:21:34,520 --> 00:21:37,600
Speaker 3: itself is in alignment, So maybe I would focus on

476
00:21:37,880 --> 00:21:39,280
Speaker 3: that personally.

477
00:21:39,359 --> 00:21:42,600
Speaker 2: As a hiring manager, I review. I've probably reviewed hundreds

478
00:21:42,640 --> 00:21:45,400
Speaker 2: of resumes over the last three months, because I've been hiring, like,

479
00:21:45,760 --> 00:21:48,720
Speaker 2: you know, eight or nine positions, and when I'm looking

480
00:21:48,840 --> 00:21:51,639
Speaker 2: at resumes, this is my personal this is how I

481
00:21:51,680 --> 00:21:53,679
Speaker 2: personally do it. I know every hiring manager or an

482
00:21:53,720 --> 00:21:57,960
Speaker 2: industry is different. I'm looking for job title, length of employment,

483
00:21:58,320 --> 00:22:00,919
Speaker 2: and sometimes I do focus on the layer, especially if

484
00:22:00,960 --> 00:22:03,000
Speaker 2: it's like, you know, a similar company. It's nice for

485
00:22:03,040 --> 00:22:05,200
Speaker 2: me to know that you know, you have worked for

486
00:22:05,280 --> 00:22:07,840
Speaker 2: a company that I recognize, because I have a sense

487
00:22:07,880 --> 00:22:10,160
Speaker 2: that you would at least fit in with our type

488
00:22:10,160 --> 00:22:13,280
Speaker 2: of structure. But job title is important too, And like

489
00:22:13,320 --> 00:22:15,240
Speaker 2: Tiff said, if this is the career that you want

490
00:22:15,240 --> 00:22:18,600
Speaker 2: to work in corporate philanthropy, then I, as a hiring manager,

491
00:22:18,600 --> 00:22:20,960
Speaker 2: I would I would just see, oh, she's got eighteen

492
00:22:20,960 --> 00:22:24,880
Speaker 2: months or three years of experience with a corporate philanthropy team,

493
00:22:25,400 --> 00:22:27,679
Speaker 2: and I would weigh that a little bit more heavily

494
00:22:28,080 --> 00:22:31,200
Speaker 2: versus the company itself, with the caveat that if it's

495
00:22:31,280 --> 00:22:33,159
Speaker 2: a if it's like one of these companies that I

496
00:22:33,200 --> 00:22:35,800
Speaker 2: would recognize, and I would know, oh, that's a shady

497
00:22:36,000 --> 00:22:37,800
Speaker 2: you know, I saw a story about that in the news,

498
00:22:38,160 --> 00:22:41,199
Speaker 2: and it's shady af like it might taint my judgment

499
00:22:41,240 --> 00:22:43,600
Speaker 2: of you a little bit. So do some research, like

500
00:22:43,800 --> 00:22:46,439
Speaker 2: hop on Google, you know, see if this debt collection

501
00:22:46,520 --> 00:22:48,720
Speaker 2: company has been in the news, if there's been a

502
00:22:48,760 --> 00:22:51,840
Speaker 2: ton of lawsuits file by consumers who have claimed that

503
00:22:51,840 --> 00:22:54,040
Speaker 2: it's been harassing them. Because at the end of the day,

504
00:22:54,040 --> 00:22:55,399
Speaker 2: you do want to work for a company that you

505
00:22:55,480 --> 00:22:59,320
Speaker 2: believe in and that makes you feel good about yourself,

506
00:22:59,560 --> 00:23:02,199
Speaker 2: and you're finding that there's a ton of red flags

507
00:23:02,200 --> 00:23:04,600
Speaker 2: out there, then even though it's the right fit, you

508
00:23:04,640 --> 00:23:07,399
Speaker 2: know on paper, maybe it wouldn't be happy. Maybe you

509
00:23:07,400 --> 00:23:09,000
Speaker 2: wouldn't be happy there in the long run because you

510
00:23:09,000 --> 00:23:10,680
Speaker 2: wouldn't feel proud to say you work there.

511
00:23:11,240 --> 00:23:15,439
Speaker 3: Yeah, yeah, exactly, And I, like I said, I can

512
00:23:15,560 --> 00:23:17,639
Speaker 3: understand like feeling that way. But at the same time,

513
00:23:17,920 --> 00:23:19,920
Speaker 3: the other place doesn't sound like it serves you at all,

514
00:23:20,640 --> 00:23:23,480
Speaker 3: you know. So my assumption is if your your husband

515
00:23:23,840 --> 00:23:26,679
Speaker 3: likely has the good insurance enough for the both of you,

516
00:23:26,720 --> 00:23:28,560
Speaker 3: if he's the tacked to work at the boring job

517
00:23:28,600 --> 00:23:31,439
Speaker 3: for the good insurance. So you know, sometimes you know,

518
00:23:31,520 --> 00:23:35,760
Speaker 3: having one person in the family with the insurance job

519
00:23:36,240 --> 00:23:38,800
Speaker 3: is enough you get to fly if you're able.

520
00:23:39,280 --> 00:23:41,000
Speaker 1: You know, everyone doesn't have that opportunity.

521
00:23:41,040 --> 00:23:43,840
Speaker 3: So tangy girl, you know, with the with the mindset

522
00:23:43,840 --> 00:23:46,280
Speaker 3: of like, this might not be my last stop. I'm

523
00:23:46,280 --> 00:23:48,960
Speaker 3: gonna look to expand beyond this, but I'm leaving here

524
00:23:49,000 --> 00:23:50,840
Speaker 3: with the experience to be able to move to the

525
00:23:51,560 --> 00:23:52,199
Speaker 3: next space.

526
00:23:52,880 --> 00:23:55,399
Speaker 2: Absolutely, And even though the people at youre new at

527
00:23:55,400 --> 00:23:57,760
Speaker 2: this other job may seem oh they're older than me,

528
00:23:57,800 --> 00:23:59,680
Speaker 2: and maybe they won't be as fun, but think about

529
00:23:59,680 --> 00:24:01,840
Speaker 2: what their experience could do for you, what you could

530
00:24:01,880 --> 00:24:05,159
Speaker 2: learn from them. And also it's I mean, I've been

531
00:24:05,200 --> 00:24:07,040
Speaker 2: in jobs where it's fun to be at a young

532
00:24:07,119 --> 00:24:09,639
Speaker 2: company where everyone's around the same age and has the

533
00:24:09,680 --> 00:24:12,960
Speaker 2: same you know, beliefs in the same points of view,

534
00:24:13,040 --> 00:24:15,680
Speaker 2: and hangs out the same bars. But after a while

535
00:24:15,680 --> 00:24:17,399
Speaker 2: you're like, is there a grown up in this piece?

536
00:24:17,520 --> 00:24:20,439
Speaker 2: Like can we get some direction? It's nice to have

537
00:24:20,520 --> 00:24:22,560
Speaker 2: people with different levels of experience, so it may not

538
00:24:22,640 --> 00:24:25,800
Speaker 2: be totally negative that you're working with more seasoned people,

539
00:24:25,880 --> 00:24:28,360
Speaker 2: even if it seems maybe like not the best fit

540
00:24:28,400 --> 00:24:30,440
Speaker 2: for you, because you might feel like on the younger side,

541
00:24:30,600 --> 00:24:32,720
Speaker 2: everyone loves the young kid. Come on, I do.

542
00:24:34,040 --> 00:24:34,919
Speaker 1: They'll bring you food.

543
00:24:36,000 --> 00:24:39,600
Speaker 2: They'll bring your food. That is too true. Shout out

544
00:24:39,640 --> 00:24:42,320
Speaker 2: to fran at Reader's Digest, who was my first boss,

545
00:24:43,080 --> 00:24:45,360
Speaker 2: who used to bring this giant sandwich for us all

546
00:24:45,400 --> 00:24:49,560
Speaker 2: to share from his deli. Oh, I just had a flashback.

547
00:24:50,000 --> 00:24:51,679
Speaker 3: Because they always think that the young person doesn't have

548
00:24:51,680 --> 00:24:53,240
Speaker 3: any money for food, even though you're like, but I

549
00:24:53,280 --> 00:24:53,840
Speaker 3: work here with you.

550
00:24:58,000 --> 00:25:01,680
Speaker 2: Well, thanks for your question, good luck. Okay found the

551
00:25:01,720 --> 00:25:04,440
Speaker 2: next question. So this comes from listener. I guess she

552
00:25:04,480 --> 00:25:06,320
Speaker 2: wants to be anonymous. I'm not seeing a name here.

553
00:25:06,760 --> 00:25:09,040
Speaker 2: She wants to know. On our last episode last week,

554
00:25:09,119 --> 00:25:11,159
Speaker 2: we talked about some of our favorite credit cards. I

555
00:25:11,280 --> 00:25:14,360
Speaker 2: gushed about the credit card I'm using for my home renovation,

556
00:25:14,480 --> 00:25:17,640
Speaker 2: the City Double Cash Card, because it gives you ooh,

557
00:25:17,640 --> 00:25:19,400
Speaker 2: this is something that I wanted to clarify. I said,

558
00:25:19,400 --> 00:25:22,560
Speaker 2: it gives you two points back on your spending. But

559
00:25:22,640 --> 00:25:24,680
Speaker 2: it's one point when you purchase it, in one point

560
00:25:24,680 --> 00:25:26,280
Speaker 2: when you pay. So as long as you pay off

561
00:25:26,280 --> 00:25:29,320
Speaker 2: your expenses that you charge to the card, you do

562
00:25:29,400 --> 00:25:31,080
Speaker 2: get the two points back. But I wanted to clarify

563
00:25:31,080 --> 00:25:34,760
Speaker 2: that because I forgot that was the caveat Anyhow, sometimes

564
00:25:34,800 --> 00:25:37,040
Speaker 2: there's so many credit card options, So this listener wants

565
00:25:37,080 --> 00:25:39,600
Speaker 2: to know if she should use credit cards dot com

566
00:25:39,600 --> 00:25:42,280
Speaker 2: to check to search for the best credit card. She says,

567
00:25:42,280 --> 00:25:44,439
Speaker 2: I currently have a Bank of America credit card with

568
00:25:44,480 --> 00:25:46,520
Speaker 2: a five hundred dollars limit, and I'm looking for a

569
00:25:46,600 --> 00:25:49,680
Speaker 2: higher credit limit. I requested a credit increase from Bank

570
00:25:49,720 --> 00:25:52,760
Speaker 2: of America and it was denied. So which credit card

571
00:25:52,760 --> 00:25:55,240
Speaker 2: website should I use to find a card that gives

572
00:25:55,240 --> 00:25:56,160
Speaker 2: me a higher limit?

573
00:25:57,960 --> 00:26:00,000
Speaker 1: Well one, did they say why they denied you?

574
00:26:01,800 --> 00:26:03,399
Speaker 2: Did they ever do that when you get denied for

575
00:26:03,440 --> 00:26:06,439
Speaker 2: a credit card? Do they say? I don't think they do.

576
00:26:07,200 --> 00:26:07,280
Speaker 1: No.

577
00:26:07,600 --> 00:26:10,440
Speaker 3: I mean sometimes you can ask, but yeah, I mean,

578
00:26:10,640 --> 00:26:13,040
Speaker 3: I'm just wondering, is it because your credit scores now

579
00:26:13,040 --> 00:26:13,600
Speaker 3: where ought to be?

580
00:26:13,720 --> 00:26:15,000
Speaker 1: It's because of your income?

581
00:26:15,520 --> 00:26:18,240
Speaker 3: Because typically, right they ask you the questions they ask

582
00:26:18,280 --> 00:26:20,359
Speaker 3: you when you're asking for a limit. They want to

583
00:26:20,359 --> 00:26:23,359
Speaker 3: know like what your income is because they want to

584
00:26:23,359 --> 00:26:24,720
Speaker 3: know obviously can you pay it back?

585
00:26:24,800 --> 00:26:27,880
Speaker 2: So they need a reason to raise your limit out

586
00:26:27,880 --> 00:26:28,320
Speaker 2: of the blue?

587
00:26:28,600 --> 00:26:29,520
Speaker 1: Out of the blue exactly?

588
00:26:29,920 --> 00:26:32,160
Speaker 3: And if are you using your card in a way

589
00:26:32,240 --> 00:26:36,000
Speaker 3: that would reflect you needing another higher limit? You can

590
00:26:36,040 --> 00:26:38,600
Speaker 3: always apply for another card someplace else, and you know,

591
00:26:38,720 --> 00:26:40,879
Speaker 3: potentially get another limit, but then you're going to get

592
00:26:40,880 --> 00:26:43,000
Speaker 3: the inquiries, so you have to ask yourself, is it

593
00:26:43,040 --> 00:26:46,640
Speaker 3: worth losing a few points temporarily to open up another.

594
00:26:46,359 --> 00:26:51,119
Speaker 2: Card, knowing that she has a BAA card but the

595
00:26:51,119 --> 00:26:53,080
Speaker 2: limit of just five hundred dollars. I feel like we're

596
00:26:53,080 --> 00:26:55,960
Speaker 2: talking to someone who's like a beginner, yes, someone who

597
00:26:55,960 --> 00:26:58,000
Speaker 2: doesn't have a long history of credit. And it could

598
00:26:58,040 --> 00:27:00,280
Speaker 2: be that you got denied because your credit history it's

599
00:27:00,320 --> 00:27:03,000
Speaker 2: not long enough, or you've missed payments in the past,

600
00:27:03,280 --> 00:27:05,199
Speaker 2: or maybe they don't see any change in your income

601
00:27:05,280 --> 00:27:08,520
Speaker 2: or your credit score to justify increasing your limit.

602
00:27:09,520 --> 00:27:11,280
Speaker 3: It might be best. I mean, I know that you

603
00:27:11,280 --> 00:27:14,280
Speaker 3: already have a credit card. I mean you could look

604
00:27:14,320 --> 00:27:18,120
Speaker 3: into potentially, you know, getting a secured card to give

605
00:27:18,119 --> 00:27:20,640
Speaker 3: yourself a little extra boost, because they tend to right

606
00:27:20,720 --> 00:27:22,760
Speaker 3: after you do right by a secured card after six

607
00:27:22,800 --> 00:27:25,600
Speaker 3: months to a year to like like Superman when he

608
00:27:25,600 --> 00:27:28,720
Speaker 3: got his secured card, it was five hundred, and then

609
00:27:29,080 --> 00:27:31,400
Speaker 3: like after like six or eight months something like that,

610
00:27:31,440 --> 00:27:33,720
Speaker 3: he you know, he was he paid it off every

611
00:27:33,760 --> 00:27:35,800
Speaker 3: month and was doing right by it. So then they

612
00:27:37,160 --> 00:27:40,520
Speaker 3: they they brought him up to like a thousand and

613
00:27:40,560 --> 00:27:41,280
Speaker 3: fifteen hundred.

614
00:27:41,320 --> 00:27:42,160
Speaker 1: So I don't know how much.

615
00:27:42,080 --> 00:27:45,160
Speaker 3: You're looking for, but you're likely not going to get

616
00:27:45,200 --> 00:27:48,480
Speaker 3: to like, you know, three thousand dollars from five hundred

617
00:27:48,520 --> 00:27:51,119
Speaker 3: right away, because you're at five hundred for a reason.

618
00:27:52,400 --> 00:27:54,400
Speaker 3: So you might, you know, you might look into, like

619
00:27:54,400 --> 00:27:56,480
Speaker 3: like I said, getting a secured card and working it

620
00:27:56,520 --> 00:27:58,840
Speaker 3: that way. To me, the best secured cards are the

621
00:27:58,880 --> 00:28:02,639
Speaker 3: ones that are are given during banks, like from a

622
00:28:02,680 --> 00:28:05,320
Speaker 3: bank like, because then the bank will make the secured

623
00:28:05,320 --> 00:28:07,840
Speaker 3: card unsecured once you've used it properly and you don't

624
00:28:07,880 --> 00:28:10,399
Speaker 3: have to like apply for another card or you just

625
00:28:10,440 --> 00:28:12,120
Speaker 3: be you know, just be patient.

626
00:28:12,359 --> 00:28:14,520
Speaker 2: Like my guy says that if she's looking for a

627
00:28:14,560 --> 00:28:16,479
Speaker 2: card with a higher limit, she's trying to spend more

628
00:28:16,520 --> 00:28:19,360
Speaker 2: than five hundred dollars, And with secured cards, you put

629
00:28:19,400 --> 00:28:21,640
Speaker 2: money up front and then you kind of pay yourself

630
00:28:21,680 --> 00:28:24,760
Speaker 2: back over the year. So if she's wanting extra room,

631
00:28:24,800 --> 00:28:26,320
Speaker 2: and you have to ask yourself that too, like why

632
00:28:26,400 --> 00:28:28,119
Speaker 2: do you want to hire a credit limit? Is it

633
00:28:28,119 --> 00:28:30,520
Speaker 2: so you can charge something that you can't afford to

634
00:28:30,520 --> 00:28:33,680
Speaker 2: pay off right away? And if that's the case, maybe

635
00:28:33,720 --> 00:28:36,040
Speaker 2: it's better that you can't get one, because you know,

636
00:28:36,080 --> 00:28:38,000
Speaker 2: when you carry a balance like that, it ends up

637
00:28:38,000 --> 00:28:41,520
Speaker 2: being really expensive over time. You don't mention what your

638
00:28:41,560 --> 00:28:43,720
Speaker 2: credit score is. And if you know your credit score,

639
00:28:44,000 --> 00:28:45,680
Speaker 2: that can give you a sense of what types of

640
00:28:45,680 --> 00:28:48,880
Speaker 2: credit cards you can qualify for. It might even answer

641
00:28:48,880 --> 00:28:51,320
Speaker 2: the question of why you might have been denied for

642
00:28:52,760 --> 00:28:55,479
Speaker 2: a credit card increase. But a lot of there are

643
00:28:55,520 --> 00:28:57,760
Speaker 2: credit cards that are more stuited, that are more willing

644
00:28:57,800 --> 00:29:00,400
Speaker 2: to work with people with poor credit, you know, average

645
00:29:00,400 --> 00:29:02,880
Speaker 2: credit or excellent credit. Some credit cards you know you

646
00:29:02,920 --> 00:29:06,040
Speaker 2: have to have excellent credit. They never qualified you if

647
00:29:06,040 --> 00:29:10,160
Speaker 2: you didn't, but once so check your credit score. And

648
00:29:10,200 --> 00:29:13,000
Speaker 2: in terms of finding a card for you, credit cards

649
00:29:13,040 --> 00:29:16,960
Speaker 2: dot Com actually has a really cool tool called card Match,

650
00:29:17,000 --> 00:29:22,080
Speaker 2: which I love and I have no problem, you know, uh,

651
00:29:22,240 --> 00:29:24,080
Speaker 2: calling them out, shouting them out for that tool because

652
00:29:24,120 --> 00:29:25,880
Speaker 2: it's awesome. You put in a couple of details and

653
00:29:25,880 --> 00:29:27,760
Speaker 2: they kind of match you with the card that can

654
00:29:27,800 --> 00:29:29,680
Speaker 2: be a fit for you. So, if you know your

655
00:29:29,720 --> 00:29:31,680
Speaker 2: credit score, I assume they ask that they can probably

656
00:29:31,680 --> 00:29:35,160
Speaker 2: give you a sense of options for you. Just be

657
00:29:35,280 --> 00:29:38,680
Speaker 2: careful applying for new credit, like Tiff said, because you

658
00:29:38,760 --> 00:29:43,160
Speaker 2: will get dinged for it on your credit score. Earlier,

659
00:29:43,280 --> 00:29:45,120
Speaker 2: Tif you also you kind of hinted at this, like

660
00:29:45,240 --> 00:29:47,840
Speaker 2: are you are you using the card in a way

661
00:29:47,880 --> 00:29:50,160
Speaker 2: that they'd want to raise your limit. And by that,

662
00:29:50,680 --> 00:29:52,840
Speaker 2: do you mean like this happened to me? You know,

663
00:29:52,840 --> 00:29:55,360
Speaker 2: I had I had a really low limit card too,

664
00:29:55,520 --> 00:29:58,120
Speaker 2: but I kept getting I kept maxing it out but

665
00:29:58,120 --> 00:30:00,600
Speaker 2: then paying it off in full each month, and then

666
00:30:00,640 --> 00:30:02,600
Speaker 2: they were like, oh, here you go girl, and gave

667
00:30:02,600 --> 00:30:03,080
Speaker 2: me more ways.

668
00:30:03,120 --> 00:30:05,680
Speaker 3: Yeah, I was gonna say that because ultimately they're like,

669
00:30:05,720 --> 00:30:07,200
Speaker 3: let's just say I have five hundred dollars card and

670
00:30:07,240 --> 00:30:09,760
Speaker 3: you're swiping ten dollars a month on and paying it

671
00:30:09,800 --> 00:30:10,320
Speaker 3: off in full.

672
00:30:10,360 --> 00:30:11,600
Speaker 1: They're like, well, what do you need to hire a

673
00:30:11,640 --> 00:30:11,960
Speaker 1: limit for?

674
00:30:12,040 --> 00:30:14,200
Speaker 3: You don't use it anyway, So not that you have

675
00:30:14,280 --> 00:30:17,040
Speaker 3: to max it out, but using it, you know, like

676
00:30:18,400 --> 00:30:20,240
Speaker 3: the key is to pay it off every month, obviously

677
00:30:20,240 --> 00:30:23,120
Speaker 3: because you don't want to carry that balance and pay

678
00:30:23,160 --> 00:30:25,920
Speaker 3: that interest. But if you're not using it consistently in

679
00:30:25,960 --> 00:30:28,200
Speaker 3: a way that would make them say, hey, more of

680
00:30:28,240 --> 00:30:30,960
Speaker 3: a limit makes sense. And sometimes that's not necessarily true,

681
00:30:31,000 --> 00:30:32,840
Speaker 3: Like for example, I've got a card that I never

682
00:30:33,000 --> 00:30:35,920
Speaker 3: use and they keep bumping me up, so like I'm

683
00:30:35,920 --> 00:30:37,640
Speaker 3: at thirty thousand dollars now, and I tell you I

684
00:30:37,720 --> 00:30:39,120
Speaker 3: hurdly ever use that card, and it's a bank of.

685
00:30:39,120 --> 00:30:42,120
Speaker 1: America card, but also to two.

686
00:30:42,200 --> 00:30:45,880
Speaker 3: Sometimes cards will judge you on the usage of like

687
00:30:46,000 --> 00:30:48,360
Speaker 3: other things that you're doing. So I've got my As

688
00:30:48,400 --> 00:30:53,560
Speaker 3: my credit score raises, Bank of America was continuously increasing

689
00:30:53,640 --> 00:30:56,080
Speaker 3: my credit limit, So even though I wasn't really using

690
00:30:56,080 --> 00:30:59,640
Speaker 3: my card, my credit score was raising and it was

691
00:30:59,680 --> 00:31:01,920
Speaker 3: reflect it in that just like credit. When my credit

692
00:31:01,920 --> 00:31:06,479
Speaker 3: score declined, Bank of America actually lowered my because they're

693
00:31:06,520 --> 00:31:09,320
Speaker 3: able to do so, lowered my my card limit, and

694
00:31:09,360 --> 00:31:10,800
Speaker 3: so just be mindful of that.

695
00:31:10,960 --> 00:31:12,840
Speaker 1: It all comes down to a credit score and usage.

696
00:31:12,840 --> 00:31:16,920
Speaker 2: If you ask me, and if what you're wanting to

697
00:31:16,920 --> 00:31:19,120
Speaker 2: do is make a purchase that's higher than five hundred

698
00:31:19,160 --> 00:31:21,080
Speaker 2: dollars that you know you want to carry on the card,

699
00:31:21,520 --> 00:31:23,640
Speaker 2: if your credit score is good, I mean again, check

700
00:31:23,640 --> 00:31:26,400
Speaker 2: your credit score. There's a bunch of free tools out there.

701
00:31:26,520 --> 00:31:29,840
Speaker 2: Discover scorecard is a good one if you're if you're

702
00:31:29,880 --> 00:31:31,840
Speaker 2: looking to make a purchase and you want time to

703
00:31:31,880 --> 00:31:33,960
Speaker 2: pay it off, maybe that Bank of America card if

704
00:31:33,960 --> 00:31:36,680
Speaker 2: it charges interest, which I'm assuming it is. Maybe if

705
00:31:36,720 --> 00:31:39,000
Speaker 2: you have good credit, excellent credit, you may be able

706
00:31:39,000 --> 00:31:41,920
Speaker 2: to qualify for a card with a zero percent intro

707
00:31:42,040 --> 00:31:44,720
Speaker 2: APR for purchases which you know you can make a

708
00:31:44,760 --> 00:31:46,680
Speaker 2: purchase with and then pay it off without having those

709
00:31:46,680 --> 00:31:49,440
Speaker 2: interest charges up front. That's an option, maybe a better

710
00:31:49,480 --> 00:31:51,640
Speaker 2: option if what you're looking for is just, you know,

711
00:31:51,720 --> 00:31:53,600
Speaker 2: a more wiggle room, so you could make a big

712
00:31:53,640 --> 00:31:56,280
Speaker 2: purchase and pay it off over time. But of course,

713
00:31:56,440 --> 00:31:58,000
Speaker 2: just make sure you pay it off before the promo

714
00:31:58,040 --> 00:32:00,920
Speaker 2: period ends. I always feel like I'm just one asterisk

715
00:32:01,960 --> 00:32:05,360
Speaker 2: after the next. But credit cards are an awesome tool

716
00:32:05,440 --> 00:32:08,760
Speaker 2: when you use them wisely. I just like always get

717
00:32:08,800 --> 00:32:11,040
Speaker 2: nervous talking about them because I'm like, please, don't get

718
00:32:11,080 --> 00:32:16,120
Speaker 2: into credit cards dead Around the holidays.

719
00:32:26,800 --> 00:32:30,640
Speaker 3: It's time for breaking a boost and a break a boost.

720
00:32:31,280 --> 00:32:33,000
Speaker 3: Are you ready to break or boost?

721
00:32:33,320 --> 00:32:35,880
Speaker 2: I was born Ready?

722
00:32:36,280 --> 00:32:37,959
Speaker 1: Do you want to go where? Brown? Breaker? Boost?

723
00:32:38,040 --> 00:32:40,040
Speaker 2: I'll do first, because you're going to be positive. Mine's

724
00:32:40,040 --> 00:32:41,000
Speaker 2: going to be a little niggy.

725
00:32:41,960 --> 00:32:43,320
Speaker 3: I don't know, you know what I'm going to lean

726
00:32:43,320 --> 00:32:44,720
Speaker 3: toward positive. Well, we'll see, we'll see.

727
00:32:44,720 --> 00:32:47,200
Speaker 2: I'll let you go for it, Okay, mystery. So I

728
00:32:47,280 --> 00:32:49,600
Speaker 2: just wanted to share a stat Actually, we had someone

729
00:32:49,640 --> 00:32:51,800
Speaker 2: from my company in the office last week, someone from

730
00:32:51,840 --> 00:32:54,400
Speaker 2: the executive level, and we had a really interesting candid

731
00:32:54,440 --> 00:32:59,120
Speaker 2: conversation around the lack of women in leadership at our company,

732
00:32:59,120 --> 00:33:01,120
Speaker 2: and this is like a no thing at the company,

733
00:33:01,160 --> 00:33:03,120
Speaker 2: and it was great to hear him actually acknowledging it.

734
00:33:03,160 --> 00:33:05,200
Speaker 2: And he's not the first person I've heard acknowledge it.

735
00:33:05,240 --> 00:33:07,880
Speaker 2: Clearly they've been talked to by somebody. And I just

736
00:33:07,920 --> 00:33:12,320
Speaker 2: got an interesting just some statistics around women who actually

737
00:33:12,360 --> 00:33:16,440
Speaker 2: hold board seats and leadership seats in corporate America that

738
00:33:16,480 --> 00:33:19,240
Speaker 2: I wanted to share because it's really really depressing. And

739
00:33:19,320 --> 00:33:22,040
Speaker 2: while I feel like we've made big gains at least

740
00:33:22,040 --> 00:33:27,160
Speaker 2: in representation among employees at some companies, it's still really difficult.

741
00:33:27,200 --> 00:33:28,920
Speaker 2: And this just shows how difficult it can be to

742
00:33:28,920 --> 00:33:32,320
Speaker 2: actually get to the highest levels of leadership. So this

743
00:33:32,400 --> 00:33:34,840
Speaker 2: is a report by an organization called the Rising Tides.

744
00:33:35,040 --> 00:33:38,200
Speaker 2: They found that only four point three two percent of

745
00:33:38,240 --> 00:33:41,520
Speaker 2: board seats and four point oh seven percent of leadership's

746
00:33:41,760 --> 00:33:47,080
Speaker 2: leadership seats are held by non white women. They analyze

747
00:33:47,080 --> 00:33:51,600
Speaker 2: the composition of boards of directors and executive leadership team

748
00:33:52,040 --> 00:33:56,320
Speaker 2: teams at again the Fortune fifty companies. They were scored

749
00:33:56,400 --> 00:33:58,440
Speaker 2: on the placement of women, women of color, and people

750
00:33:58,480 --> 00:34:02,360
Speaker 2: of color on their boards of directors and leadership teams,

751
00:34:02,560 --> 00:34:06,720
Speaker 2: and this stat just really broke my little heart and

752
00:34:06,720 --> 00:34:11,279
Speaker 2: it also just made just was really sobering to think

753
00:34:11,360 --> 00:34:14,400
Speaker 2: that just four percent of and we're talking like board

754
00:34:14,400 --> 00:34:17,320
Speaker 2: seats and executive leadership. I mean, these are the real

755
00:34:17,440 --> 00:34:21,880
Speaker 2: decision makers in companies, and the fact that there's so

756
00:34:22,000 --> 00:34:25,640
Speaker 2: little progress and diversifying at the highest levels that these

757
00:34:25,640 --> 00:34:28,080
Speaker 2: major companies is you know, I don't think we were

758
00:34:28,239 --> 00:34:33,879
Speaker 2: like super surprised, but it is just four percent, Yeah,

759
00:34:33,920 --> 00:34:34,239
Speaker 2: it is.

760
00:34:35,880 --> 00:34:37,040
Speaker 1: Yeah, And that's why.

761
00:34:37,200 --> 00:34:40,040
Speaker 3: I mean, the work that you do with running your

762
00:34:40,080 --> 00:34:42,800
Speaker 3: team and the work that I do with running a business,

763
00:34:42,840 --> 00:34:45,000
Speaker 3: that that's why it's so critical to one be an

764
00:34:45,000 --> 00:34:47,359
Speaker 3: example of what's possible, but too to also bring women

765
00:34:47,520 --> 00:34:48,040
Speaker 3: on board.

766
00:34:48,080 --> 00:34:50,600
Speaker 2: You know, I hope that more companies. You know, in

767
00:34:50,640 --> 00:34:53,440
Speaker 2: Silicon Valley, there was a big movement around publishing your

768
00:34:53,480 --> 00:34:57,680
Speaker 2: diversity statistics, and we saw like Facebook and Google and Apple,

769
00:34:57,719 --> 00:35:00,359
Speaker 2: I think they all have published their diversity stats and

770
00:35:00,440 --> 00:35:02,239
Speaker 2: they were even worse. I think. I mean, I don't know,

771
00:35:02,840 --> 00:35:04,720
Speaker 2: maybe it was maybe I'm thinking of the wrong stat

772
00:35:04,760 --> 00:35:08,200
Speaker 2: but some of these companies like diversity was so so low,

773
00:35:08,360 --> 00:35:11,279
Speaker 2: but by publishing it, by by forcing each other to

774
00:35:11,320 --> 00:35:15,520
Speaker 2: publish it. It almost it's like you can't ignore the problem.

775
00:35:15,640 --> 00:35:17,200
Speaker 2: And I feel like that's the issue is like you,

776
00:35:17,560 --> 00:35:19,920
Speaker 2: especially at a company, you know, are you know, working

777
00:35:19,960 --> 00:35:22,480
Speaker 2: for companies as I have that have hundreds of employees,

778
00:35:22,760 --> 00:35:25,160
Speaker 2: it's hard for you to know just what the diversity

779
00:35:25,160 --> 00:35:28,080
Speaker 2: makeup is because you don't see everybody you know on

780
00:35:28,120 --> 00:35:33,040
Speaker 2: a continuous basis. So some companies are making moves to

781
00:35:33,040 --> 00:35:36,960
Speaker 2: to improve that. But you know, you're right. I mean,

782
00:35:37,280 --> 00:35:40,759
Speaker 2: we're sort of in small ways trying to fix that.

783
00:35:40,800 --> 00:35:42,640
Speaker 2: But I'm you know, I can only do what I

784
00:35:42,680 --> 00:35:45,200
Speaker 2: can do and vice versa. At a certain point, you

785
00:35:45,280 --> 00:35:48,520
Speaker 2: have to look to like the people, the people at

786
00:35:48,520 --> 00:35:52,120
Speaker 2: this level who are largely white, they need to realize

787
00:35:52,120 --> 00:35:53,960
Speaker 2: it and be and get on board. You know, we

788
00:35:54,000 --> 00:35:56,600
Speaker 2: can't do it ourselves for working from the ground up.

789
00:35:56,680 --> 00:35:58,879
Speaker 2: You know what we need is change from the top down.

790
00:35:59,520 --> 00:36:04,000
Speaker 1: Yeah, meet someplace in the middle. I agree, exact, I agree. Well,

791
00:36:04,040 --> 00:36:05,839
Speaker 1: I just have just a quick little boost. I thought

792
00:36:05,840 --> 00:36:06,719
Speaker 1: this is interesting.

793
00:36:06,800 --> 00:36:10,600
Speaker 3: Forbes reported that fifty eight percent of women elected to

794
00:36:10,719 --> 00:36:14,200
Speaker 3: Congress during our last minimer elections were girl scouts. How

795
00:36:14,239 --> 00:36:15,040
Speaker 3: interesting is that?

796
00:36:15,320 --> 00:36:19,880
Speaker 1: Oh that's cute for high but now and it just

797
00:36:19,920 --> 00:36:23,040
Speaker 1: basically says that, like, you know, basically, you know, girl Scouts.

798
00:36:22,640 --> 00:36:28,000
Speaker 3: Clearly they you know, they they they create leaders And

799
00:36:28,040 --> 00:36:31,239
Speaker 3: I just thought that that was really beautiful. So if

800
00:36:31,280 --> 00:36:33,840
Speaker 3: you've ever thought about putting your girl girl Scouts and

801
00:36:33,920 --> 00:36:36,440
Speaker 3: you think it might be in alignment, just know that,

802
00:36:36,480 --> 00:36:39,719
Speaker 3: you know, leadership is a is a clear tenant of

803
00:36:39,760 --> 00:36:41,239
Speaker 3: being a Girl Scout. And I just thought that that

804
00:36:41,320 --> 00:36:43,000
Speaker 3: was you know, that was really cute, right.

805
00:36:43,239 --> 00:36:45,040
Speaker 2: Yeah, shout out to girl Scouts. I mean, there wasn't

806
00:36:45,040 --> 00:36:47,800
Speaker 2: it a record number of women elected to the House

807
00:36:48,080 --> 00:36:50,319
Speaker 2: this year? It was House I think, yeah, House were

808
00:36:50,320 --> 00:36:54,200
Speaker 2: Senate one of them. Like dozens of women won seats

809
00:36:54,200 --> 00:36:56,440
Speaker 2: across the country, and that is that's a that's a

810
00:36:56,520 --> 00:36:59,400
Speaker 2: huge turning point, like the women waves they're calling it.

811
00:37:01,360 --> 00:37:03,440
Speaker 3: And then you saw it like in Texas, I think

812
00:37:03,480 --> 00:37:07,040
Speaker 3: it was like nineteen judge seats were up for election.

813
00:37:06,840 --> 00:37:09,600
Speaker 1: And nineteen women won them. I just thought that was awesome.

814
00:37:10,080 --> 00:37:11,719
Speaker 2: Oh, that's amazing mm hmm.

815
00:37:12,200 --> 00:37:16,080
Speaker 1: So there's definitely strides. I mean, you can only ripple,

816
00:37:16,200 --> 00:37:18,040
Speaker 1: you know, from where you are. Everyone's not going to

817
00:37:18,120 --> 00:37:18,960
Speaker 1: be on the world stage.

818
00:37:18,960 --> 00:37:20,759
Speaker 3: But if you ripple out where you are, you'd be

819
00:37:20,760 --> 00:37:24,040
Speaker 3: surprised how far I can go, So there's hope yet.

820
00:37:24,320 --> 00:37:27,200
Speaker 2: And also get your kids and girl Scouts, like stat.

821
00:37:28,160 --> 00:37:30,080
Speaker 3: Maybe so, I mean we couldn't afford girl Scouts. My

822
00:37:30,120 --> 00:37:34,759
Speaker 3: mom was like, yeah, no, but sounds cute. But I

823
00:37:34,760 --> 00:37:35,640
Speaker 3: mean that that's.

824
00:37:35,480 --> 00:37:38,480
Speaker 2: Why I had to drop out. My mom never told me.

825
00:37:39,040 --> 00:37:40,680
Speaker 3: She was like, yeah, girl, we don't have it anymore.

826
00:37:41,600 --> 00:37:43,480
Speaker 3: We just never I never joined, even though I wanted to.

827
00:37:43,520 --> 00:37:44,520
Speaker 3: I wanted to do brownies.

828
00:37:44,840 --> 00:37:45,600
Speaker 1: Remember Brownie.

829
00:37:45,840 --> 00:37:47,879
Speaker 2: I was a Brownie for like a year I think

830
00:37:47,920 --> 00:37:49,560
Speaker 2: in the first grade, and then never again.

831
00:37:50,280 --> 00:37:54,000
Speaker 1: Oh you know, well, so that's I saw my cookies.

832
00:37:54,920 --> 00:37:57,760
Speaker 3: That's my little end of the end of the Girls,

833
00:37:57,880 --> 00:38:01,879
Speaker 3: I mean end of the podcast, a little boost. Oh

834
00:38:01,920 --> 00:38:04,319
Speaker 3: and our first Lady or forever first Lady, her book

835
00:38:04,360 --> 00:38:04,839
Speaker 3: dropped again.

836
00:38:04,960 --> 00:38:06,440
Speaker 2: I was about the sales, like I need to go

837
00:38:06,480 --> 00:38:08,160
Speaker 2: because I have the audio book waiting for me, and

838
00:38:08,200 --> 00:38:11,719
Speaker 2: I can't wait. It's nineteen hours long. I did the math,

839
00:38:11,800 --> 00:38:13,520
Speaker 2: it'll take me like two weeks to get through it.

840
00:38:13,600 --> 00:38:15,680
Speaker 2: But I really just needed to hear her voice. So

841
00:38:15,719 --> 00:38:17,279
Speaker 2: I got the audiobook version.

842
00:38:17,520 --> 00:38:19,640
Speaker 3: And do you see, I was just so happy that

843
00:38:19,840 --> 00:38:22,399
Speaker 3: I did not notice that she too had a hard

844
00:38:22,440 --> 00:38:25,560
Speaker 3: time getting pregnant and had her both her daughters via IVF.

845
00:38:25,960 --> 00:38:29,719
Speaker 2: I say, yeah, I did see that. I thought that right, Yeah,

846
00:38:29,760 --> 00:38:31,960
Speaker 2: I tried to avoid spoilers, but I saw that headline.

847
00:38:32,239 --> 00:38:33,600
Speaker 3: Yeah, so I just thought that that was really I

848
00:38:34,120 --> 00:38:36,360
Speaker 3: was honestly really encouraged by that because I said, wow,

849
00:38:36,880 --> 00:38:39,120
Speaker 3: that was like, I'm glad that she shared it, and

850
00:38:39,120 --> 00:38:40,879
Speaker 3: she was just like, you know, as we as women,

851
00:38:41,360 --> 00:38:43,720
Speaker 3: sometimes you would just feel like if your body doesn't

852
00:38:43,760 --> 00:38:45,799
Speaker 3: do what it feels like it should naturally do, that

853
00:38:45,840 --> 00:38:49,040
Speaker 3: you've done something wrong. So it's just nice to see that, like, wow,

854
00:38:49,120 --> 00:38:51,520
Speaker 3: both of her daughters, and so I'm like, yay, I

855
00:38:51,760 --> 00:38:55,359
Speaker 3: start my first cycle, hopefully soon within the next within

856
00:38:55,400 --> 00:38:57,520
Speaker 3: a month. So a cycle is just like when they

857
00:38:57,520 --> 00:38:59,239
Speaker 3: take the egg and it takes berm, they put it

858
00:38:59,239 --> 00:39:03,160
Speaker 3: together and they they hopefully something happens. And so I

859
00:39:03,160 --> 00:39:06,240
Speaker 3: could be pregnant within a month. I could not who else,

860
00:39:06,480 --> 00:39:08,800
Speaker 3: So send me your baby dust. You guys have already

861
00:39:08,800 --> 00:39:15,560
Speaker 3: been doing. So I was gonna say, send any baby juices.

862
00:39:15,560 --> 00:39:21,440
Speaker 2: I was like, wait, baby dust, baby Jesus, you know

863
00:39:21,520 --> 00:39:23,800
Speaker 2: what I mean. Good vibes only