Speaker 1: Hey, hey, hey, we're back. We're brown.
Speaker 2: Hey, mandra, hey to how's it going.
Speaker 1: It's going excellent? Actually, well, I mean I don't know.
Speaker 3: I'm in a good mood even though, like you know,
Speaker 3: everything's falling down.
Speaker 1: But you know, hey, I mean I'm alive.
Speaker 2: You did the whole. Don't tell the universe it's going good.
Speaker 1: No, I don't know. I am in a good mood.
Speaker 1: Maybe today. I had a good nap today.
Speaker 3: So when I've got a good nap day, you know,
Speaker 3: I feel like I could take on the world.
Speaker 1: And oh, I've got the tub.
Speaker 2: Oh well, it's the little things, isn't it.
Speaker 3: Because it's hard because you know, Superman is sixty six,
Speaker 3: so my plumbing starts soon and my contractors like, you
Speaker 3: really need to find a tub. And I didn't want
Speaker 3: a tub that was gonna like because our bathroom is
Speaker 3: a good signe but it's not a huge bathroom. But
Speaker 3: I wanted to stand alone tub and to find one
Speaker 3: that could fit him but not also like dwarf the bathroom.
Speaker 1: So we found one and it's really great.
Speaker 3: And people tell you to stay away from acrylic because
Speaker 3: the krylic cracks and there's just so many things to
Speaker 3: learn so we got a stone stone resin tub.
Speaker 1: Have you heard of those?
Speaker 2: I did not choose our tub, but yikes, I do
Speaker 2: know about Like there's different floor materials. I don't know.
Speaker 2: I woke up in a cold sweat. This is what happens.
Speaker 2: I woke up in a cold sweat, and I was like,
Speaker 2: our bathroom floor tile is too slippery. We're gonna break
Speaker 2: an elbow. Like we're gonna slip. We're gonna break an elbow.
Speaker 2: It's gonna be a whole thing. It's like my fear
Speaker 2: is falling into like slipping in the bathroom, you know.
Speaker 2: And I'm like it's too slippery and it's too late
Speaker 2: because it's been delivered. I mean, I got over it,
Speaker 2: but I'm definitely at the stage where it you make
Speaker 2: all these decisions. But the thing is, the project takes
Speaker 2: so long and you have so much time to like
Speaker 2: second guess yourself, which is the it's killing me. I'm like, wait,
Speaker 2: did we choose to fright shower tile? Like we really
Speaker 2: do we really need? Do we really need two windows there?
Speaker 2: But they're already put in the walls. Like it's you know, it.
Speaker 3: Is it is very very near racking because it's definitely,
Speaker 3: like especially when it comes down to doing like the
Speaker 3: big things, like cause framing is.
Speaker 1: Pretty easy because literally you can be like, you know what,
Speaker 1: I changed my mind.
Speaker 3: I want it to be a little bit bigger, and
Speaker 3: they can take down the wood and put it back up.
Speaker 3: But like plumbing and electric, it's like, oh we're here now.
Speaker 2: Yeah, they're starting to patch up walls now, so it's
Speaker 2: getting real serious. We did, we did have our We
Speaker 2: haven't had too many like oh god, we found this
Speaker 2: and now it's going to cost you know, so much
Speaker 2: more money to fix it. We haven't really had any
Speaker 2: of those experiences, but we had. So we have a
Speaker 2: deck that we are expanding and I noticed there was
Speaker 2: this big patch that I was seeing because you could
Speaker 2: see the bottom of the deck through our kitchen ceiling now,
Speaker 2: and I noticed this big patch of like dark rotted
Speaker 2: wood and I was like, oh, snap, what is that?
Speaker 2: And it turned out to be a leak And it's
Speaker 2: going to cost us fifteen hundred dollars extra just to
Speaker 2: patch this little like two foot by two foot section
Speaker 2: of our deck, which which sucks, but honestly, I mean
Speaker 2: still knock on food because anything could happen. But we'll
Speaker 2: have to dip into our contingency fund for that, which
Speaker 2: makes me kind of I feel like we started dipping
Speaker 2: into our contingency fund for things that weren't quite contingencies,
Speaker 2: but more like I really would like a central light fixture.
Speaker 2: Let's add that to the electrical plan.
Speaker 1: Hmm.
Speaker 3: I know exactly what you mean, but like, we've had
Speaker 3: like contingency fund things where I'm like, so we're definitely
Speaker 3: using We probably use about half our contingency fund already.
Speaker 3: I'm just like, I'm hoping because everything's open, so I'm like, well,
Speaker 3: we should be good now.
Speaker 1: Right, because we've already seen everything.
Speaker 3: And then at one point the boiler wasn't working, but
Speaker 3: now it is, so I think we're we're rocking around
Speaker 3: in My sister's already, like, so can I move in?
Speaker 3: I'm like, we're not even finished renovating it, and you
Speaker 3: already want to take this ver bed and.
Speaker 1: She's like, I want to work on my dreams. It
Speaker 1: looks like we already have a roommate. But yeah, the
Speaker 1: things are going good other than that house. Lie, what
Speaker 1: did you do this weekend? Oh?
Speaker 2: You know, picked up some toilets, normal stuff, got a
Speaker 2: little I made some decisions around holiday spending. I think
Speaker 2: we're gonna do We're definitely not doing gifts for each other,
Speaker 2: but I think my siblings and I, since we're not
Speaker 2: going to be together this holiday season, I think we're
Speaker 2: gonna end up doing the whole secret Sanda thing again
Speaker 2: and just sending each other a gift because I could
Speaker 2: pull the whole I'm doing a home renovation. I don't
Speaker 2: have money for that thing, but I did just spend
Speaker 2: fifty dollars on a tolet paper holder, so maybe I
Speaker 2: can afford to get my sister.
Speaker 1: A little how much as.
Speaker 2: I don't know what it slipped through. I don't know
Speaker 2: how it happened, but there was a long list of things,
Speaker 2: and I just said, okay, okay, it slipped through. But
Speaker 2: if you think about how many times will you use it?
Speaker 3: I mean, when you're like renovating, so many things go
Speaker 3: out the window, and I guess it's like planning a
Speaker 3: wedding where you're like, I would never spend that amount
Speaker 3: of money, and then it happens and you're like, but
Speaker 3: I mean, don't we all need a twenty five hundred
Speaker 3: dollar tab?
Speaker 1: And I was like, what am I doing? What?
Speaker 3: Life but anyway, but no, this this past weekend, I
Speaker 3: did the Texas Women's Conference.
Speaker 2: Oh okay, so yeah, that was.
Speaker 1: Well, there's a women's conference.
Speaker 3: I think it like uh, it like floats around the country.
Speaker 3: I think it goes to like five different locations and
Speaker 3: they're pretty big. So the one in Texas it's the biggest,
Speaker 3: the big biggest women's conference in Texas. It was seventy
Speaker 3: nine hundred women and doctor Brene Brown, who I love,
Speaker 3: was there and then also Reese Witherspoon.
Speaker 1: They were both keynotes.
Speaker 3: So I did a breakout session just like seven ways
Speaker 3: to Live a Richer life, just the basics like budgeting,
Speaker 3: credit whatever. But there were just so many women. Honestly,
Speaker 3: it was really awesome. The energy was awesome. Usually I'm
Speaker 3: not really like someone who like loves conferences because sometimes
Speaker 3: they don't seem so useful, you know. But I have
Speaker 3: to say, this is my second women's conference, like with
Speaker 3: it's literally called like the Women's Conference, So I think
Speaker 3: the last one I did was in Pennsylvania, I think.
Speaker 3: But I liked them because they really insist that you
Speaker 3: give actionable steps, so you really leave feeling like, oh
Speaker 3: I took this, you know, breakout session or whatever, and
Speaker 3: I left with some actionable items and steps to do. So,
Speaker 3: like I said, I have to say it was. It
Speaker 3: was a really good weekend. And I got to meet
Speaker 3: this woman named Jessica. I'm gonna mess up her last name,
Speaker 3: but she like changed my life. So she was just
Speaker 3: telling me about a business she owned. It this is
Speaker 3: how you just never know about folks. She was telling
Speaker 3: me about a business she owned that she started. It's
Speaker 3: a social enterprise. And for those of you who don't know,
Speaker 3: social enterprise is a business that really the it's Honegger,
Speaker 3: that's her last name. It's a business that the purpose
Speaker 3: comes before the profit. So you know, of course you
Speaker 3: want to make money, but really there's like a you know,
Speaker 3: like a the mission is really purpose driven versus profit driven.
Speaker 1: And she started this have you ever heard of Noonday Collection? No?
Speaker 2: I haven't.
Speaker 1: So she like buys.
Speaker 3: Jewelry from what she calls vulnerable populations, so populations where
Speaker 3: folks really don't have access to the market, but they make,
Speaker 3: they make their artisans and they make beautiful things. And
Speaker 3: she started it as a fundraiser because she wanted to
Speaker 3: adopt a little boy from Rwanda. Her and her husband.
Speaker 3: Then the recession hit and they were in real estate.
Speaker 3: They lost everything, so they purchased some I think some
Speaker 3: jewelry from his village or I think she purchased it
Speaker 3: from Uganda, and she sold it to her friends and
Speaker 3: to say, hey, I'm doing this.
Speaker 1: Fundraiser so we can you know, bring my son home.
Speaker 3: And then it started to do really well, and then
Speaker 3: her friends were like, hey, I want to sell jewelry
Speaker 3: and help people in another country, but also make money too,
Speaker 3: And I was like, oh, wow, that's really nice. And
Speaker 3: then she was telling me how they grossed eighteen million
Speaker 3: dollars this year or last year, and I was like,
Speaker 3: wait what.
Speaker 1: So it just wasn't really speaking with her was a really.
Speaker 3: Great reminder of how, like, you know, you can do
Speaker 3: good work, help good people, and make good money.
Speaker 1: So that was just like the most inspiration.
Speaker 3: I just happened to be sitting next to her and
Speaker 3: she was just sharing that she's also the fastest growing
Speaker 3: privately held company direct sales, and so I just thought, wow,
Speaker 3: it was just such a great example that, you know,
Speaker 3: because that's what I'm wanting to do. I'm wanting to
Speaker 3: make sure that we run a company that is integrity
Speaker 3: above all else people and purpose above profit.
Speaker 1: But it doesn't mean you don't want to make profit.
Speaker 3: So just to see that she was navigating that successfully
Speaker 3: was really inspirational.
Speaker 2: How do you feel about I mean, I know that
Speaker 2: you speak at conferences and stuff, but I wonder, like
Speaker 2: our listeners, are there conferences that you guys attend, like
Speaker 2: as attendees, like outside of stuff that you might do
Speaker 2: for work. Because I've like I've gotten I just got
Speaker 2: an invite to like the World Business Forum in New
Speaker 2: York City, which is meant to be for business leaders
Speaker 2: to come together, and then you hear from people like
Speaker 2: Seth Godin and Ariana Huffington and it's focused. It's less
Speaker 2: of like this will help me as an editor and
Speaker 2: more this will help me, you know, like as a leader.
Speaker 2: And some of these tickets are really expensive, like I'm
Speaker 2: getting because I'm with the media, I could you know,
Speaker 2: get a comp ticket or whatever. But like if you're
Speaker 2: out there and you're listening and you guys like you
Speaker 2: purchased tickets for conferences, I just wonder, like, what are
Speaker 2: your favorite ones? You know, what ones have really helped
Speaker 2: you that you would go to on an annual basis.
Speaker 2: Maybe it's Essence Fest or I don't know. I went
Speaker 2: to one that was hosted by Meeker Brazhenski, Like from
Speaker 2: that show on MSNBC. What can I think of it
Speaker 2: right now? The know your Worst Tour? Did you speak
Speaker 2: at that tour?
Speaker 1: Yes, okay I did when it first came out.
Speaker 2: Yeah, you make the rounds. But like, there were so
Speaker 2: many women at that conference. I remember Elizabeth Warren spoke.
Speaker 2: She was one of the keynotes at that conference, and
Speaker 2: like the crowd was crazy. I'm just thinking, like, who
Speaker 2: are these women who aren't getting free tickets, who are
Speaker 2: actually spending money to go to these conferences. Yeah, I
Speaker 2: don't know. I just I'm curious if you guys email
Speaker 2: us at broad Ambition Podcast at gmail dot com dot com,
Speaker 2: if you have a conference that you like, or anything
Speaker 2: to say about conferences that have helped you or in
Speaker 2: your business or personal life. Just just curious.
Speaker 1: No, that's awesome.
Speaker 3: Yeah, I wonder if you were at the same one,
Speaker 3: because I was there when Elizabeth Warren's books.
Speaker 1: I'm like, I want if we were in the same room.
Speaker 2: I think we were. I I covered it because I
Speaker 2: was I was at Yahoo Finance then I was a
Speaker 2: reporter and I was doing a story on Mika's new book,
Speaker 2: Know Your Value, and then she tried to she like
Speaker 2: launched it into a mini tour. So I was there.
Speaker 2: I interviewed Hoda and I interviewed.
Speaker 1: Yes, I was there. That's so crazy that we were
Speaker 1: in the same room.
Speaker 2: Yeah, and Andre Leon Talley, who was really sweaty and
Speaker 2: hot and he is very, very very That is the
Speaker 2: visceral memory I have of that interview.
Speaker 1: But no, that's awesome.
Speaker 3: So yeah, because you know, there are definitely some conferences
Speaker 3: where you're like, why did I come?
Speaker 2: Oh, yes, spill the tea on the ones that you
Speaker 2: didn't think were worth your time. It's also like the
Speaker 2: end of your time, and I know I'm I'm about
Speaker 2: to Like deadlines are if you're like leadership institutes or
Speaker 2: trainings out there, a lot of their deadlines are in
Speaker 2: the fall. I have to submit an application for a
Speaker 2: I'm trying to do. Last year, I did an leadership
Speaker 2: institute for or young or diverse I think it was
Speaker 2: diverse editorial leaders at the Pointer Institute, And I'm doing
Speaker 2: I'm going to apply for another program that's focused on women,
Speaker 2: but same similar thing. Women leaders in journalism, and it's
Speaker 2: through the Online News Association. It's like a one week
Speaker 2: accelerator program. And I'm going to try to keep doing
Speaker 2: at least one of these a year. And if your company,
Speaker 2: you know, would reimburse you for something like that, then
Speaker 2: you know, see what deadlines are out there, if there's
Speaker 2: anything that interests you for twenty nineteen, because some of
Speaker 2: them have deadlines now.
Speaker 3: So I think to consider I feel like I feel like,
Speaker 3: you know, extended learning is always you know, it's always
Speaker 3: a good thing. So if you can, you know, if
Speaker 3: you can sign up for something where you know you're
Speaker 3: actually going to take something away. I always think to
Speaker 3: myself like it's less to me about like the woman
Speaker 3: on the stage or the man on the stage or whoever.
Speaker 3: And I really try to make it my business to
Speaker 3: connect with the person sitting next to me because you
Speaker 3: never know, like look at Jessica Harr.
Speaker 1: I'm gonna say her name wrong.
Speaker 3: But you know, like look who I met. You know
Speaker 3: that wasn't she just was sitting next to me. Honegger,
Speaker 3: Sorry Jessica.
Speaker 1: Oh what Honegger? H O n E g g E
Speaker 1: r hoenegger mm hmm a dry So yeah, So I'm like,
Speaker 1: you know, I just think that.
Speaker 3: I think sometimes a lot of times when people go
Speaker 3: to conferences, they think like you know, or they're wanting
Speaker 3: to connect with the person that's speaking, which is obviously
Speaker 3: you know, dope, But sometimes the people who are sitting
Speaker 3: next to you are like way doper and just turning
Speaker 3: to the lesson to the right and asking questions and connecting.
Speaker 3: So yeah, I'm not a huge conference fan, only because
Speaker 3: sitting sometimes, unless like the speaker is really dynamic, I
Speaker 3: get like bored easily.
Speaker 1: But but when.
Speaker 3: It's a really good speaker and I get some actionable
Speaker 3: things to do, then I'm all for it.
Speaker 2: Cool. Cool. What else is happening in the world. California
Speaker 2: is burning?
Speaker 1: Trump is tweeting, Yeah, what you know, we do have
Speaker 1: the house, So there's that.
Speaker 2: But is that your response to California's burning?
Speaker 1: I got a house.
Speaker 3: No, No, I didn't meant the half I met like
Speaker 3: the Democrats got the house.
Speaker 1: Oh, I was like, no way that.
Speaker 2: I thought that was off personality, I mean off brand
Speaker 2: for you, off brand.
Speaker 1: Now I met that, like you know that. Politically, Yeah,
Speaker 1: some change happening.
Speaker 2: I have been on like tenter hooks. Who I've never
Speaker 2: used that in a sentence, tenter Hooks. I'm so, you know,
Speaker 2: it's a good word because what's happening in Georgia right
Speaker 2: now with the I think last week even on the show,
Speaker 2: we talked about the election results, but at Stacy Abrams
Speaker 2: and Brian Kemp, there's still not a declared winner. Like
Speaker 2: it's like a week later, it's not a declared winner,
Speaker 2: and they're recounting every single vote, and I'm just like,
Speaker 2: it's nail biting right now.
Speaker 3: Sometimes you know, I plug in and I see what's
Speaker 3: going on with the world, and other times I'm like,
Speaker 3: you know what.
Speaker 1: I gotta plug out. I can't do I can't do it.
Speaker 1: But you know, I mean, definitely the midterm election.
Speaker 3: What it did make me excited for was to see
Speaker 3: just how many people participated.
Speaker 1: It felt like we were voting for president.
Speaker 3: Like I'd never seen that many people out for midterm,
Speaker 3: So that's always a good thing.
Speaker 2: Did you see that Starbucks is laying off five percent
Speaker 2: of its workforce? No, why, I don't know. I guess
Speaker 2: business is not booming.
Speaker 3: But millennials killing coffee too, because you know, they blame
Speaker 3: you off everything.
Speaker 1: Yeah.
Speaker 2: I read a story this week that millennials are killing
Speaker 2: the pet food industry because they're shopping for fancy dog
Speaker 2: food and the bad like the cheap stuff that like
Speaker 2: my cat ate when not dogs, but pets in general,
Speaker 2: the cheap stuff like what did my cat eat? Like
Speaker 2: parina or like kibbles and bits or whatever. Like, millennials
Speaker 2: are spending twice as much as they were on dog food,
Speaker 2: like the organic y Yeah, like just spending so much
Speaker 2: money now that the yeah, the ones who make the
Speaker 2: cheap stuff aren't doing so good, which.
Speaker 3: Seems so weird because it's like at the same time
Speaker 3: they're like millennials are broke, you know. They tell you, guys,
Speaker 3: everything but a child of God.
Speaker 2: When it comes to pets, people are just not It's nonsensical.
Speaker 3: Yes, somebody posted in my on Facebook you don't have
Speaker 3: the DreamCatcher group, And somebody posted, you know, I'm really
Speaker 3: struggling with my finances. I'm really thinking about giving up
Speaker 3: my dog, like you know, like you know, either giving
Speaker 3: it to a friend or whatever.
Speaker 1: People were livid. I couldn't believe it. I had to
Speaker 1: turn off the comments. They were like, would you give
Speaker 1: your child to your friends? And I'm like, oh no,
Speaker 1: she could that's a human, I know.
Speaker 3: And it wasn't like she wasn't saying like I'm going
Speaker 3: to leave my dog outside, you know, and walk away.
Speaker 3: She was just like, you know, you could tell she's
Speaker 3: like I obviously I love my dog, but it's to
Speaker 3: the point where I can't afford my life and I'm
Speaker 3: trying to figure out what what do I do? You know,
Speaker 3: what do you guys think? And so I just was
Speaker 3: just reminding folks, you know, to keep it kind. But
Speaker 3: you know, I mean, yeah, I had to turn off
Speaker 3: the comments because people were really angry, like how yeah,
Speaker 3: how dare you even consider like leaving your dog who
Speaker 3: was clear a human with your friend or you know
Speaker 3: or whatever that Like, Like I said, it wasn't like she
Speaker 3: was gonna euthanize her dog. She just was like I
Speaker 3: just can't afford And someone was like, well, be homeless
Speaker 3: with your dog. I'm like, you know what, block black
Speaker 3: crazy lady. So yeah, so I just thought, like, you know,
Speaker 3: people are very, very very attached to their animals.
Speaker 1: I don't have any animals. I have them as a kid, I.
Speaker 2: Do in my dreams.
Speaker 1: I don't want a dog.
Speaker 2: I don't in my in my imagination all the time.
Speaker 2: I'm like, I'm gonna steal that dog. I haven't done.
Speaker 3: Just so many dogs are so stinky. Sorry, people with dogs,
Speaker 3: I'm sorry. I'm half my friends with dogs, I'm like, oh,
Speaker 3: I know you have a dog.
Speaker 2: You know I don't want to fight with you. Right now,
Speaker 2: it's the holidays almost, let's not let's not start talking
Speaker 2: trash about dogs, who are just God's gift to the world.
Speaker 3: I mean, I can live with the you know, cats,
Speaker 3: I could deal, you know, but I mean, and honestly,
Speaker 3: I don't. I actually like dogs, but let's not pretend
Speaker 3: like they don't come with a little bit.
Speaker 2: Of I mean, some of them more than others, is true.
Speaker 2: Everyone loves Corgi's. They stink and they shed like a mother.
Speaker 2: I need to know though, from our listeners. Another question
Speaker 2: for the listeners. Email us and tell us what is
Speaker 2: like an embarrassing amount of money you spent on your pet.
Speaker 2: I know people out there who've gone to debt for
Speaker 2: their pets. They take out these credit cards to pay
Speaker 2: for their pet at the veterinarian and end up paying
Speaker 2: those cards off for years, no joke. So if you,
Speaker 2: I mean, this is a safe space you can be anonymous.
Speaker 2: I want to know your pet. I want to know
Speaker 2: how much you spent on your pet and what crazy
Speaker 2: things you've purchased for them. M Grandomission Podcast at gmail
Speaker 2: dot com dot com.
Speaker 1: All right, are we going to take some question on
Speaker 1: I do.
Speaker 2: I have a question from an anonymous listener who is
Speaker 2: torn between two job offers. First of all, what a
Speaker 2: nice place to be just the first and foremost.
Speaker 1: Okay, that is a nice place, but she can't.
Speaker 2: Decide which is the right opportunity, so let's hear from her.
Speaker 2: She says, I'm currently evaluating two job offers. One is
Speaker 2: a very exciting it's with the company that I'm not
Speaker 2: sure about, though they specialize in debt collection. The role
Speaker 2: would be in corporate philanthropy, though, which is a dream
Speaker 2: job for me. However, I don't feel like working. I
Speaker 2: don't feel that working for a debt collection company reflects
Speaker 2: my values. Is there anything redeeming about the debt collection industry?
Speaker 2: I think I already know the answer to this question.
Speaker 2: The other job is with the more reputable company, but
Speaker 2: it seems a bit boring and everyone is much older
Speaker 2: than me. My husband's encouraging me to take this job.
Speaker 2: Because the benefits are better and he wants me to
Speaker 2: be sensible. It's hard to talk to him about finding
Speaker 2: a job I love because he's too practical. He's a
Speaker 2: work at the boring job for thirty years kind of guy.
Speaker 2: I'd love some advice. Dot dot dot dot dot. So
Speaker 2: what she should do? Work for the shadier company that's
Speaker 2: the perfect job for her, or the more sensible company
Speaker 2: that could be boring but has good benefits.
Speaker 1: So how is the detection company the perfect job? Again?
Speaker 2: It's incorporate philanthropy, which she says is a dream job
Speaker 2: for her. If the company has a philanthropic arm, maybe
Speaker 2: they're not. I mean, she doesn't give us a name
Speaker 2: with the company at all, but I mean not all. Yes,
Speaker 2: many you know a lot of debt collection. You know,
Speaker 2: firms get a bad rap, but it's you know, it's
Speaker 2: a it's a reality in this country that we have
Speaker 2: a debt based not a debt based economy. But a
Speaker 2: lot of people use debt and a lots some people
Speaker 2: can't pay it back. So we need to have institutions
Speaker 2: that can get it back. Some institutions are really shady
Speaker 2: about it, and they break the law and they do
Speaker 2: things that are you know not you know, not that
Speaker 2: aren't kosher, like harassing people. But some companies are just
Speaker 2: doing what they need to do. You know, they're hired
Speaker 2: to recoup debts, and they're not all shady. The fact
Speaker 2: that this one has a like a foundation of some kind,
Speaker 2: maybe they're one of the less shady ones. So I
Speaker 2: wonder how much research she's put into the company itself
Speaker 2: before deciding that, like painting with a broad brush, that
Speaker 2: it deals with debt collection. So it must be you know,
Speaker 2: a terrible place.
Speaker 1: Yeah.
Speaker 3: So so honestly, like so she's not actually going to
Speaker 3: be the doing that that collecting it would be exactly Honestly,
Speaker 3: that is hard because that whole that collecting part, I mean,
Speaker 3: and honestly, I would look, I mean, I'm I'm assuming
Speaker 3: you looked on glass Door.
Speaker 1: If you haven't, you should.
Speaker 3: That's where you can kind of see like what it's like,
Speaker 3: what employees say about working and take it with a
Speaker 3: grain of salt.
Speaker 1: But still, you know, it's true.
Speaker 2: It's a good idea, you know.
Speaker 3: Yeah, I mean, just because it's that collection doesn't necessarily
Speaker 3: mean they're shady, like Mandy said, and especially if you're
Speaker 3: working in a department where it's in alignment with what
Speaker 3: you want to do with your life.
Speaker 1: You might have like a one year plan there, like
Speaker 1: I'm going to work.
Speaker 3: In the philanthropy department here and then move on to
Speaker 3: another philanthropy department in a company that I feel even
Speaker 3: more comfortable with, because you have to think of My
Speaker 3: sister would always tell me when you're going from job
Speaker 3: to job that it's a building block.
Speaker 1: That that's what you have to think about it as.
Speaker 3: So if I'm assuming you have a foundation already, so
Speaker 3: if this is a block that you're building, if this
Speaker 3: is like a brick, a layer of brick that you're
Speaker 3: building on the eventual house of your ideal job and
Speaker 3: career and whatever, does this add to that foundation? Because
Speaker 3: it sounds like a boring company doesn't like it's not
Speaker 3: bringing you closer to where you eventually want to be, you.
Speaker 1: Know what I mean.
Speaker 3: So normally I'd be like, ah, that collection, you know
Speaker 3: I have, the crossing is you know, like yo, don't
Speaker 3: go it. But it sounds like that the actual job
Speaker 3: itself is in alignment, So maybe I would focus on
Speaker 3: that personally.
Speaker 2: As a hiring manager, I review. I've probably reviewed hundreds
Speaker 2: of resumes over the last three months, because I've been hiring, like,
Speaker 2: you know, eight or nine positions, and when I'm looking
Speaker 2: at resumes, this is my personal this is how I
Speaker 2: personally do it. I know every hiring manager or an
Speaker 2: industry is different. I'm looking for job title, length of employment,
Speaker 2: and sometimes I do focus on the layer, especially if
Speaker 2: it's like, you know, a similar company. It's nice for
Speaker 2: me to know that you know, you have worked for
Speaker 2: a company that I recognize, because I have a sense
Speaker 2: that you would at least fit in with our type
Speaker 2: of structure. But job title is important too, And like
Speaker 2: Tiff said, if this is the career that you want
Speaker 2: to work in corporate philanthropy, then I, as a hiring manager,
Speaker 2: I would I would just see, oh, she's got eighteen
Speaker 2: months or three years of experience with a corporate philanthropy team,
Speaker 2: and I would weigh that a little bit more heavily
Speaker 2: versus the company itself, with the caveat that if it's
Speaker 2: a if it's like one of these companies that I
Speaker 2: would recognize, and I would know, oh, that's a shady
Speaker 2: you know, I saw a story about that in the news,
Speaker 2: and it's shady af like it might taint my judgment
Speaker 2: of you a little bit. So do some research, like
Speaker 2: hop on Google, you know, see if this debt collection
Speaker 2: company has been in the news, if there's been a
Speaker 2: ton of lawsuits file by consumers who have claimed that
Speaker 2: it's been harassing them. Because at the end of the day,
Speaker 2: you do want to work for a company that you
Speaker 2: believe in and that makes you feel good about yourself,
Speaker 2: and you're finding that there's a ton of red flags
Speaker 2: out there, then even though it's the right fit, you
Speaker 2: know on paper, maybe it wouldn't be happy. Maybe you
Speaker 2: wouldn't be happy there in the long run because you
Speaker 2: wouldn't feel proud to say you work there.
Speaker 3: Yeah, yeah, exactly, And I, like I said, I can
Speaker 3: understand like feeling that way. But at the same time,
Speaker 3: the other place doesn't sound like it serves you at all,
Speaker 3: you know. So my assumption is if your your husband
Speaker 3: likely has the good insurance enough for the both of you,
Speaker 3: if he's the tacked to work at the boring job
Speaker 3: for the good insurance. So you know, sometimes you know,
Speaker 3: having one person in the family with the insurance job
Speaker 3: is enough you get to fly if you're able.
Speaker 1: You know, everyone doesn't have that opportunity.
Speaker 3: So tangy girl, you know, with the with the mindset
Speaker 3: of like, this might not be my last stop. I'm
Speaker 3: gonna look to expand beyond this, but I'm leaving here
Speaker 3: with the experience to be able to move to the
Speaker 3: next space.
Speaker 2: Absolutely, And even though the people at youre new at
Speaker 2: this other job may seem oh they're older than me,
Speaker 2: and maybe they won't be as fun, but think about
Speaker 2: what their experience could do for you, what you could
Speaker 2: learn from them. And also it's I mean, I've been
Speaker 2: in jobs where it's fun to be at a young
Speaker 2: company where everyone's around the same age and has the
Speaker 2: same you know, beliefs in the same points of view,
Speaker 2: and hangs out the same bars. But after a while
Speaker 2: you're like, is there a grown up in this piece?
Speaker 2: Like can we get some direction? It's nice to have
Speaker 2: people with different levels of experience, so it may not
Speaker 2: be totally negative that you're working with more seasoned people,
Speaker 2: even if it seems maybe like not the best fit
Speaker 2: for you, because you might feel like on the younger side,
Speaker 2: everyone loves the young kid. Come on, I do.
Speaker 1: They'll bring you food.
Speaker 2: They'll bring your food. That is too true. Shout out
Speaker 2: to fran at Reader's Digest, who was my first boss,
Speaker 2: who used to bring this giant sandwich for us all
Speaker 2: to share from his deli. Oh, I just had a flashback.
Speaker 3: Because they always think that the young person doesn't have
Speaker 3: any money for food, even though you're like, but I
Speaker 3: work here with you.
Speaker 2: Well, thanks for your question, good luck. Okay found the
Speaker 2: next question. So this comes from listener. I guess she
Speaker 2: wants to be anonymous. I'm not seeing a name here.
Speaker 2: She wants to know. On our last episode last week,
Speaker 2: we talked about some of our favorite credit cards. I
Speaker 2: gushed about the credit card I'm using for my home renovation,
Speaker 2: the City Double Cash Card, because it gives you ooh,
Speaker 2: this is something that I wanted to clarify. I said,
Speaker 2: it gives you two points back on your spending. But
Speaker 2: it's one point when you purchase it, in one point
Speaker 2: when you pay. So as long as you pay off
Speaker 2: your expenses that you charge to the card, you do
Speaker 2: get the two points back. But I wanted to clarify
Speaker 2: that because I forgot that was the caveat Anyhow, sometimes
Speaker 2: there's so many credit card options, So this listener wants
Speaker 2: to know if she should use credit cards dot com
Speaker 2: to check to search for the best credit card. She says,
Speaker 2: I currently have a Bank of America credit card with
Speaker 2: a five hundred dollars limit, and I'm looking for a
Speaker 2: higher credit limit. I requested a credit increase from Bank
Speaker 2: of America and it was denied. So which credit card
Speaker 2: website should I use to find a card that gives
Speaker 2: me a higher limit?
Speaker 1: Well one, did they say why they denied you?
Speaker 2: Did they ever do that when you get denied for
Speaker 2: a credit card? Do they say? I don't think they do.
Speaker 1: No.
Speaker 3: I mean sometimes you can ask, but yeah, I mean,
Speaker 3: I'm just wondering, is it because your credit scores now
Speaker 3: where ought to be?
Speaker 1: It's because of your income?
Speaker 3: Because typically, right they ask you the questions they ask
Speaker 3: you when you're asking for a limit. They want to
Speaker 3: know like what your income is because they want to
Speaker 3: know obviously can you pay it back?
Speaker 2: So they need a reason to raise your limit out
Speaker 2: of the blue?
Speaker 1: Out of the blue exactly?
Speaker 3: And if are you using your card in a way
Speaker 3: that would reflect you needing another higher limit? You can
Speaker 3: always apply for another card someplace else, and you know,
Speaker 3: potentially get another limit, but then you're going to get
Speaker 3: the inquiries, so you have to ask yourself, is it
Speaker 3: worth losing a few points temporarily to open up another.
Speaker 2: Card, knowing that she has a BAA card but the
Speaker 2: limit of just five hundred dollars. I feel like we're
Speaker 2: talking to someone who's like a beginner, yes, someone who
Speaker 2: doesn't have a long history of credit. And it could
Speaker 2: be that you got denied because your credit history it's
Speaker 2: not long enough, or you've missed payments in the past,
Speaker 2: or maybe they don't see any change in your income
Speaker 2: or your credit score to justify increasing your limit.
Speaker 3: It might be best. I mean, I know that you
Speaker 3: already have a credit card. I mean you could look
Speaker 3: into potentially, you know, getting a secured card to give
Speaker 3: yourself a little extra boost, because they tend to right
Speaker 3: after you do right by a secured card after six
Speaker 3: months to a year to like like Superman when he
Speaker 3: got his secured card, it was five hundred, and then
Speaker 3: like after like six or eight months something like that,
Speaker 3: he you know, he was he paid it off every
Speaker 3: month and was doing right by it. So then they
Speaker 3: they they brought him up to like a thousand and
Speaker 3: fifteen hundred.
Speaker 1: So I don't know how much.
Speaker 3: You're looking for, but you're likely not going to get
Speaker 3: to like, you know, three thousand dollars from five hundred
Speaker 3: right away, because you're at five hundred for a reason.
Speaker 3: So you might, you know, you might look into, like
Speaker 3: like I said, getting a secured card and working it
Speaker 3: that way. To me, the best secured cards are the
Speaker 3: ones that are are given during banks, like from a
Speaker 3: bank like, because then the bank will make the secured
Speaker 3: card unsecured once you've used it properly and you don't
Speaker 3: have to like apply for another card or you just
Speaker 3: be you know, just be patient.
Speaker 2: Like my guy says that if she's looking for a
Speaker 2: card with a higher limit, she's trying to spend more
Speaker 2: than five hundred dollars, And with secured cards, you put
Speaker 2: money up front and then you kind of pay yourself
Speaker 2: back over the year. So if she's wanting extra room,
Speaker 2: and you have to ask yourself that too, like why
Speaker 2: do you want to hire a credit limit? Is it
Speaker 2: so you can charge something that you can't afford to
Speaker 2: pay off right away? And if that's the case, maybe
Speaker 2: it's better that you can't get one, because you know,
Speaker 2: when you carry a balance like that, it ends up
Speaker 2: being really expensive over time. You don't mention what your
Speaker 2: credit score is. And if you know your credit score,
Speaker 2: that can give you a sense of what types of
Speaker 2: credit cards you can qualify for. It might even answer
Speaker 2: the question of why you might have been denied for
Speaker 2: a credit card increase. But a lot of there are
Speaker 2: credit cards that are more stuited, that are more willing
Speaker 2: to work with people with poor credit, you know, average
Speaker 2: credit or excellent credit. Some credit cards you know you
Speaker 2: have to have excellent credit. They never qualified you if
Speaker 2: you didn't, but once so check your credit score. And
Speaker 2: in terms of finding a card for you, credit cards
Speaker 2: dot Com actually has a really cool tool called card Match,
Speaker 2: which I love and I have no problem, you know, uh,
Speaker 2: calling them out, shouting them out for that tool because
Speaker 2: it's awesome. You put in a couple of details and
Speaker 2: they kind of match you with the card that can
Speaker 2: be a fit for you. So, if you know your
Speaker 2: credit score, I assume they ask that they can probably
Speaker 2: give you a sense of options for you. Just be
Speaker 2: careful applying for new credit, like Tiff said, because you
Speaker 2: will get dinged for it on your credit score. Earlier,
Speaker 2: Tif you also you kind of hinted at this, like
Speaker 2: are you are you using the card in a way
Speaker 2: that they'd want to raise your limit. And by that,
Speaker 2: do you mean like this happened to me? You know,
Speaker 2: I had I had a really low limit card too,
Speaker 2: but I kept getting I kept maxing it out but
Speaker 2: then paying it off in full each month, and then
Speaker 2: they were like, oh, here you go girl, and gave
Speaker 2: me more ways.
Speaker 3: Yeah, I was gonna say that because ultimately they're like,
Speaker 3: let's just say I have five hundred dollars card and
Speaker 3: you're swiping ten dollars a month on and paying it
Speaker 3: off in full.
Speaker 1: They're like, well, what do you need to hire a
Speaker 1: limit for?
Speaker 3: You don't use it anyway, So not that you have
Speaker 3: to max it out, but using it, you know, like
Speaker 3: the key is to pay it off every month, obviously
Speaker 3: because you don't want to carry that balance and pay
Speaker 3: that interest. But if you're not using it consistently in
Speaker 3: a way that would make them say, hey, more of
Speaker 3: a limit makes sense. And sometimes that's not necessarily true,
Speaker 3: Like for example, I've got a card that I never
Speaker 3: use and they keep bumping me up, so like I'm
Speaker 3: at thirty thousand dollars now, and I tell you I
Speaker 3: hurdly ever use that card, and it's a bank of.
Speaker 1: America card, but also to two.
Speaker 3: Sometimes cards will judge you on the usage of like
Speaker 3: other things that you're doing. So I've got my As
Speaker 3: my credit score raises, Bank of America was continuously increasing
Speaker 3: my credit limit, So even though I wasn't really using
Speaker 3: my card, my credit score was raising and it was
Speaker 3: reflect it in that just like credit. When my credit
Speaker 3: score declined, Bank of America actually lowered my because they're
Speaker 3: able to do so, lowered my my card limit, and
Speaker 3: so just be mindful of that.
Speaker 1: It all comes down to a credit score and usage.
Speaker 2: If you ask me, and if what you're wanting to
Speaker 2: do is make a purchase that's higher than five hundred
Speaker 2: dollars that you know you want to carry on the card,
Speaker 2: if your credit score is good, I mean again, check
Speaker 2: your credit score. There's a bunch of free tools out there.
Speaker 2: Discover scorecard is a good one if you're if you're
Speaker 2: looking to make a purchase and you want time to
Speaker 2: pay it off, maybe that Bank of America card if
Speaker 2: it charges interest, which I'm assuming it is. Maybe if
Speaker 2: you have good credit, excellent credit, you may be able
Speaker 2: to qualify for a card with a zero percent intro
Speaker 2: APR for purchases which you know you can make a
Speaker 2: purchase with and then pay it off without having those
Speaker 2: interest charges up front. That's an option, maybe a better
Speaker 2: option if what you're looking for is just, you know,
Speaker 2: a more wiggle room, so you could make a big
Speaker 2: purchase and pay it off over time. But of course,
Speaker 2: just make sure you pay it off before the promo
Speaker 2: period ends. I always feel like I'm just one asterisk
Speaker 2: after the next. But credit cards are an awesome tool
Speaker 2: when you use them wisely. I just like always get
Speaker 2: nervous talking about them because I'm like, please, don't get
Speaker 2: into credit cards dead Around the holidays.
Speaker 3: It's time for breaking a boost and a break a boost.
Speaker 3: Are you ready to break or boost?
Speaker 2: I was born Ready?
Speaker 1: Do you want to go where? Brown? Breaker? Boost?
Speaker 2: I'll do first, because you're going to be positive. Mine's
Speaker 2: going to be a little niggy.
Speaker 3: I don't know, you know what I'm going to lean
Speaker 3: toward positive. Well, we'll see, we'll see.
Speaker 2: I'll let you go for it, Okay, mystery. So I
Speaker 2: just wanted to share a stat Actually, we had someone
Speaker 2: from my company in the office last week, someone from
Speaker 2: the executive level, and we had a really interesting candid
Speaker 2: conversation around the lack of women in leadership at our company,
Speaker 2: and this is like a no thing at the company,
Speaker 2: and it was great to hear him actually acknowledging it.
Speaker 2: And he's not the first person I've heard acknowledge it.
Speaker 2: Clearly they've been talked to by somebody. And I just
Speaker 2: got an interesting just some statistics around women who actually
Speaker 2: hold board seats and leadership seats in corporate America that
Speaker 2: I wanted to share because it's really really depressing. And
Speaker 2: while I feel like we've made big gains at least
Speaker 2: in representation among employees at some companies, it's still really difficult.
Speaker 2: And this just shows how difficult it can be to
Speaker 2: actually get to the highest levels of leadership. So this
Speaker 2: is a report by an organization called the Rising Tides.
Speaker 2: They found that only four point three two percent of
Speaker 2: board seats and four point oh seven percent of leadership's
Speaker 2: leadership seats are held by non white women. They analyze
Speaker 2: the composition of boards of directors and executive leadership team
Speaker 2: teams at again the Fortune fifty companies. They were scored
Speaker 2: on the placement of women, women of color, and people
Speaker 2: of color on their boards of directors and leadership teams,
Speaker 2: and this stat just really broke my little heart and
Speaker 2: it also just made just was really sobering to think
Speaker 2: that just four percent of and we're talking like board
Speaker 2: seats and executive leadership. I mean, these are the real
Speaker 2: decision makers in companies, and the fact that there's so
Speaker 2: little progress and diversifying at the highest levels that these
Speaker 2: major companies is you know, I don't think we were
Speaker 2: like super surprised, but it is just four percent, Yeah,
Speaker 2: it is.
Speaker 1: Yeah, And that's why.
Speaker 3: I mean, the work that you do with running your
Speaker 3: team and the work that I do with running a business,
Speaker 3: that that's why it's so critical to one be an
Speaker 3: example of what's possible, but too to also bring women
Speaker 3: on board.
Speaker 2: You know, I hope that more companies. You know, in
Speaker 2: Silicon Valley, there was a big movement around publishing your
Speaker 2: diversity statistics, and we saw like Facebook and Google and Apple,
Speaker 2: I think they all have published their diversity stats and
Speaker 2: they were even worse. I think. I mean, I don't know,
Speaker 2: maybe it was maybe I'm thinking of the wrong stat
Speaker 2: but some of these companies like diversity was so so low,
Speaker 2: but by publishing it, by by forcing each other to
Speaker 2: publish it. It almost it's like you can't ignore the problem.
Speaker 2: And I feel like that's the issue is like you,
Speaker 2: especially at a company, you know, are you know, working
Speaker 2: for companies as I have that have hundreds of employees,
Speaker 2: it's hard for you to know just what the diversity
Speaker 2: makeup is because you don't see everybody you know on
Speaker 2: a continuous basis. So some companies are making moves to
Speaker 2: to improve that. But you know, you're right. I mean,
Speaker 2: we're sort of in small ways trying to fix that.
Speaker 2: But I'm you know, I can only do what I
Speaker 2: can do and vice versa. At a certain point, you
Speaker 2: have to look to like the people, the people at
Speaker 2: this level who are largely white, they need to realize
Speaker 2: it and be and get on board. You know, we
Speaker 2: can't do it ourselves for working from the ground up.
Speaker 2: You know what we need is change from the top down.
Speaker 1: Yeah, meet someplace in the middle. I agree, exact, I agree. Well,
Speaker 1: I just have just a quick little boost. I thought
Speaker 1: this is interesting.
Speaker 3: Forbes reported that fifty eight percent of women elected to
Speaker 3: Congress during our last minimer elections were girl scouts. How
Speaker 3: interesting is that?
Speaker 1: Oh that's cute for high but now and it just
Speaker 1: basically says that, like, you know, basically, you know, girl Scouts.
Speaker 3: Clearly they you know, they they they create leaders And
Speaker 3: I just thought that that was really beautiful. So if
Speaker 3: you've ever thought about putting your girl girl Scouts and
Speaker 3: you think it might be in alignment, just know that,
Speaker 3: you know, leadership is a is a clear tenant of
Speaker 3: being a Girl Scout. And I just thought that that
Speaker 3: was you know, that was really cute, right.
Speaker 2: Yeah, shout out to girl Scouts. I mean, there wasn't
Speaker 2: it a record number of women elected to the House
Speaker 2: this year? It was House I think, yeah, House were
Speaker 2: Senate one of them. Like dozens of women won seats
Speaker 2: across the country, and that is that's a that's a
Speaker 2: huge turning point, like the women waves they're calling it.
Speaker 3: And then you saw it like in Texas, I think
Speaker 3: it was like nineteen judge seats were up for election.
Speaker 1: And nineteen women won them. I just thought that was awesome.
Speaker 2: Oh, that's amazing mm hmm.
Speaker 1: So there's definitely strides. I mean, you can only ripple,
Speaker 1: you know, from where you are. Everyone's not going to
Speaker 1: be on the world stage.
Speaker 3: But if you ripple out where you are, you'd be
Speaker 3: surprised how far I can go, So there's hope yet.
Speaker 2: And also get your kids and girl Scouts, like stat.
Speaker 3: Maybe so, I mean we couldn't afford girl Scouts. My
Speaker 3: mom was like, yeah, no, but sounds cute. But I
Speaker 3: mean that that's.
Speaker 2: Why I had to drop out. My mom never told me.
Speaker 3: She was like, yeah, girl, we don't have it anymore.
Speaker 3: We just never I never joined, even though I wanted to.
Speaker 3: I wanted to do brownies.
Speaker 1: Remember Brownie.
Speaker 2: I was a Brownie for like a year I think
Speaker 2: in the first grade, and then never again.
Speaker 1: Oh you know, well, so that's I saw my cookies.
Speaker 3: That's my little end of the end of the Girls,
Speaker 3: I mean end of the podcast, a little boost. Oh
Speaker 3: and our first Lady or forever first Lady, her book
Speaker 3: dropped again.
Speaker 2: I was about the sales, like I need to go
Speaker 2: because I have the audio book waiting for me, and
Speaker 2: I can't wait. It's nineteen hours long. I did the math,
Speaker 2: it'll take me like two weeks to get through it.
Speaker 2: But I really just needed to hear her voice. So
Speaker 2: I got the audiobook version.
Speaker 3: And do you see, I was just so happy that
Speaker 3: I did not notice that she too had a hard
Speaker 3: time getting pregnant and had her both her daughters via IVF.
Speaker 2: I say, yeah, I did see that. I thought that right, Yeah,
Speaker 2: I tried to avoid spoilers, but I saw that headline.
Speaker 3: Yeah, so I just thought that that was really I
Speaker 3: was honestly really encouraged by that because I said, wow,
Speaker 3: that was like, I'm glad that she shared it, and
Speaker 3: she was just like, you know, as we as women,
Speaker 3: sometimes you would just feel like if your body doesn't
Speaker 3: do what it feels like it should naturally do, that
Speaker 3: you've done something wrong. So it's just nice to see that, like, wow,
Speaker 3: both of her daughters, and so I'm like, yay, I
Speaker 3: start my first cycle, hopefully soon within the next within
Speaker 3: a month. So a cycle is just like when they
Speaker 3: take the egg and it takes berm, they put it
Speaker 3: together and they they hopefully something happens. And so I
Speaker 3: could be pregnant within a month. I could not who else,
Speaker 3: So send me your baby dust. You guys have already
Speaker 3: been doing. So I was gonna say, send any baby juices.
Speaker 2: I was like, wait, baby dust, baby Jesus, you know
Speaker 2: what I mean. Good vibes only