WEBVTT - BA Q&A: A Cry for Help

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<v Speaker 1>And we're here for the b a q A, the

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<v Speaker 1>b a q a, the b a q a. Mm hmm,

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<v Speaker 1>go ahead, Mandy, I'm gonna.

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<v Speaker 2>I'm sorry, I didn't know what the second.

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<v Speaker 3>So it's time for Brown Ambition Question and answer. If

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<v Speaker 3>you've got a question and you need an answer. We're

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<v Speaker 3>not your financial advisors or your financial you know, I

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<v Speaker 3>don't know legal legal jargon jargons to your grandma. We're

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<v Speaker 3>just girlfriends here who are sharing what we might likely

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<v Speaker 3>do in this situation, and you will take it with

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<v Speaker 3>a grain of salt and meet with your said financial

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<v Speaker 3>expert person in your life that you pay money to

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<v Speaker 3>and decide if that's if that's you know what fits

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<v Speaker 3>best for you?

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<v Speaker 1>Okay, I mean ak baqa.

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<v Speaker 2>Yeah, Q and a light lowercase A. All right, let's

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<v Speaker 2>dig into this reader listener email. Okay, so again you

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<v Speaker 2>can reach us, out reach us out. You can reach

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<v Speaker 2>out to us at Brannambition Podcast at gmail dot com,

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<v Speaker 2>or go to Instagram and slide into our dms Brown

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<v Speaker 2>Ambition Podcast on ig. Try to keep them, you know, succinct,

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<v Speaker 2>give us information, but not too much information, okay. It

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<v Speaker 2>just helps us answer them in a timely manner on

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<v Speaker 2>the show. But what do we have for our first

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<v Speaker 2>question today?

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<v Speaker 3>Tiv So first we have let's see, Oh she'd like

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<v Speaker 3>to be called Eve. Eve says, Hello, ladies, Love Love Love.

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<v Speaker 3>I've been a listener for years and I'm happy to

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<v Speaker 3>watch and hear all of your recent accomplishments.

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<v Speaker 1>Thanks Eve. Here's my dilemma.

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<v Speaker 3>I purchased my first home, a condo in the DC

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<v Speaker 3>area in the fall of twenty nineteen. At the time,

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<v Speaker 3>my credit score was just good air quotes in the

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<v Speaker 3>high six hundred, so the interest rate I was offered

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<v Speaker 3>from my credit union was five point two five percent

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<v Speaker 3>with no PMI, which actually is not bad for that

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<v Speaker 3>with a three percent down payment. I was in experience

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<v Speaker 3>and made the mistake of not shopping around. Over the

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<v Speaker 3>past two years, I've been working really hard to improve

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<v Speaker 3>my credit in the hopes of refinancing, since I plan

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<v Speaker 3>on keeping this property and passing it down to my family.

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<v Speaker 3>Love that my credit score is now in the high

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<v Speaker 3>seven hundreds, perfect and with interest rates at record lows

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<v Speaker 3>and area housing prices at at all time high, I

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<v Speaker 3>feel like now it's the perfect time to pull the

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<v Speaker 3>trigger and begin the refin process. My situation gets complicated

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<v Speaker 3>because I'm also looking to change jobs in the next

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<v Speaker 3>ninety days, and from my experience back in twenty nineteen,

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<v Speaker 3>making any major life changes during the housing process is

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<v Speaker 3>generally frowned upon. So my questions to you are, should

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<v Speaker 3>I refine now while still seeking new employment, wait until

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<v Speaker 3>I land a new job to begin the refin process,

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<v Speaker 3>or refine now and put my job search on hold

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<v Speaker 3>until I finish refinancing in a few months. Bonus question,

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<v Speaker 3>knowing I don't have twenty percent equity in my home yet,

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<v Speaker 3>so a lot of lenders may require PMI, is it

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<v Speaker 3>better to take a lower interest rate and pay a

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<v Speaker 3>couple hundred and PMI for years or get a slightly

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<v Speaker 3>higher interest.

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<v Speaker 1>Rate with no PMI.

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<v Speaker 3>Okay, Eve, if we're going to focus on your main question, right,

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<v Speaker 3>should I rEFInd now while still seeking new employment? Here's

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<v Speaker 3>the thing, Eve, It's not generally frowned.

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<v Speaker 1>Upon to quit your job during the home brian process.

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<v Speaker 1>They will cancel like sis. Think about it.

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<v Speaker 3>Let's pretend that Mandy is the bank, hey, bank of

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<v Speaker 3>mandra Hi, and I'm just Tiffany. I've been teaching for

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<v Speaker 3>ten years, which they love. By the way, you know,

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<v Speaker 3>and I've come to you and I would like to

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<v Speaker 3>borrow some money from you, right, we have that, right?

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<v Speaker 3>And so I've got a job, very stable, love it,

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<v Speaker 3>ten years as a teacher, amazing, and I'd like this house.

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<v Speaker 1>Can I borrow some money?

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<v Speaker 2>Sure, we'd love to give you lots and lots of money.

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<v Speaker 3>Okay, So halfway through the process, ooh, Mandy, you know

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<v Speaker 3>how I said I had that job?

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<v Speaker 1>Yeah? We love that.

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<v Speaker 3>Yeah. Yeah, so I kind of quit, but I do

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<v Speaker 3>have a new job. We didn't even plan that skit,

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<v Speaker 3>you see how me and Mandy we just did sync.

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<v Speaker 3>We just did sinc So, Mandy, why does that happen?

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<v Speaker 3>Why would that happen?

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<v Speaker 2>Because you, when you are, when you're getting a mortgage,

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<v Speaker 2>you and your credit and your income, all of it

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<v Speaker 2>is like a delicate little house of cards, and if

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<v Speaker 2>anything changes, the bank does not want to lend money

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<v Speaker 2>to you anymore, even if you're changing for a good reason,

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<v Speaker 2>you got a higher paying job. They go through such

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<v Speaker 2>a rigorous underwriting process that them having to go back

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<v Speaker 2>and recalculate things just messes them all up, gets them

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<v Speaker 2>out of whack.

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<v Speaker 1>They don't like it.

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<v Speaker 2>So I would definitely say open door number three out

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<v Speaker 2>of these options, which is put the job search on

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<v Speaker 2>hold for now, at least officially changing, I would say, interview,

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<v Speaker 2>do all that cute stuff until you finished your refine

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<v Speaker 2>process in a few months. That way, you can take

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<v Speaker 2>advantage of these low rates right now and hopefully the

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<v Speaker 2>job that you're seeking will be out there and they

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<v Speaker 2>can be a little patient for the next couple of months.

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<v Speaker 3>Because you have to think about this Eve that even

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<v Speaker 3>if you, to Mandy's point, you get a job that

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<v Speaker 3>pays you more, the bank doesn't care.

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<v Speaker 1>You know what the bank cares.

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<v Speaker 3>About stability, Like I make significantly more than my husband,

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<v Speaker 3>but he's been at his job for twenty years. Do

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<v Speaker 3>you know when At first, because y'all know, I bought

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<v Speaker 3>this home and we paid cash for it because we

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<v Speaker 3>happened to find a foreclosure that was like fifty percent off.

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<v Speaker 3>But before that we were looking for homes that we

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<v Speaker 3>were going to finance. The bank was like, I don't

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<v Speaker 3>give a what about what tivity make. It had whole

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<v Speaker 3>old ramshackle budgetista up down left right. They're like, now,

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<v Speaker 3>mister Smith, you are very attractive with your twenty years

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<v Speaker 3>of service.

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<v Speaker 1>I was like, I made one of him. They're like,

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<v Speaker 1>we don't care. We don't care.

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<v Speaker 3>The bank like stability. They like to know this person

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<v Speaker 3>is highly likely to have my coin. And if you

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<v Speaker 3>have a new job, who knows how long that that

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<v Speaker 3>job will have you, versus like being at the job

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<v Speaker 3>where you are now. So I actually had a friend

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<v Speaker 3>that did this. They actually moved. They he knew that

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<v Speaker 3>he was going to be quitting his job and he

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<v Speaker 3>was going to get a new job. He wait, he

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<v Speaker 3>waited until he closed, was in the new house, and

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<v Speaker 3>then jumped to the new job. They can't do anything

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<v Speaker 3>once you're already at your new place. So yeah, to

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<v Speaker 3>Mandy's point, wait, sis, don't do nothing crazy. And I

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<v Speaker 3>love the fact that your credit score is high seven hundreds.

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<v Speaker 3>Anything over seven forty, it's considered perfect credit, which is awesome.

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<v Speaker 3>And yeah, I think that you know you're in a

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<v Speaker 3>great position, But don't don't get a new job just yet.

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<v Speaker 3>I love.

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<v Speaker 2>Can we take the bonus question really quickly? Because she says,

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<v Speaker 2>a bonus question is knowing that I don't have twenty

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<v Speaker 2>percent equity in my home yet. So a lot of

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<v Speaker 2>lenders may require private mortgage insurance. Is it better to

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<v Speaker 2>take a lower interest rate and pay a couple hundred

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<v Speaker 2>dollars and PMI for a few years, or get a

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<v Speaker 2>slightly higher interest rate with no pm I. So my

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<v Speaker 2>favorite thing, especially when you're because I almost called him Superman.

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<v Speaker 2>That is not my husband, Husban Husby and I we

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<v Speaker 2>actually did refinance our mortgage last year around this time,

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<v Speaker 2>last up August or September, when rates were going really low.

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<v Speaker 2>What rate did you get if you don't mind, shoot,

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<v Speaker 2>I don't remember, I don't remember. I don't remember.

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<v Speaker 1>I'm sorry.

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<v Speaker 2>A low one. But when we were doing it, there

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<v Speaker 2>was so much conversation around because our rate was really

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<v Speaker 2>good to start with, and I think it was four

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<v Speaker 2>point three. It wasn't terrible. We got that in twenty eighteen,

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<v Speaker 2>so we had to get it below three percent. I

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<v Speaker 2>want to say two point eight seven five seems to

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<v Speaker 2>be a number that feels good to me.

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<v Speaker 1>I'm amazing.

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<v Speaker 2>Yeah, the rates were really good and our credit was great,

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<v Speaker 2>so we refinanced. But because there wasn't that much room

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<v Speaker 2>in between the two rates, I mean, two points is

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<v Speaker 2>a lot when you're talking about thirty years worth of interest,

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<v Speaker 2>but we still had to make sure it was going

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<v Speaker 2>to be worth it, because not only are we talking

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<v Speaker 2>about doing the closing costs all over again, you know,

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<v Speaker 2>saying for the origination fee, and yes, some lenders will

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<v Speaker 2>waive that kind of stuff, but you have to pay

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<v Speaker 2>for your legal fees and all that kind of crap,

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<v Speaker 2>So there's upfront costs to it. So how we decided

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<v Speaker 2>the break even point, which is, you know, how much

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<v Speaker 2>are we going to save versus how much are we

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<v Speaker 2>going to spend and is it worth it? We actually

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<v Speaker 2>used a handy calculator from lending Tree. That's something called

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<v Speaker 2>the break even calculator, which we can link to, and

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<v Speaker 2>also the when you're shopping around for your VIFI and

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<v Speaker 2>I definitely encourage you to shop around the same way

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<v Speaker 2>you do with your mortgage, go to multiple lenders so

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<v Speaker 2>that they compete and give you the best offer. We

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<v Speaker 2>had two lenders, you know, going head to head, and

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<v Speaker 2>we went with the one that had the lowest rate

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<v Speaker 2>in the best customer service. But anyway, when you have

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<v Speaker 2>them compete, they will also help do a lot of

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<v Speaker 2>that math for you and they can tell you, you know,

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<v Speaker 2>here's what makes the most sense. So I don't have

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<v Speaker 2>a specific answer, but what I'll say is, there's calculators,

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<v Speaker 2>and then you can also ask the lender agent whoever

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<v Speaker 2>you're working with, to help you with that math as well.

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<v Speaker 3>Hmmm, look at the math. Make sure to math maths.

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<v Speaker 3>E Okay, but we're proud of you. I think I

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<v Speaker 3>love the fact that you know, you got this great condo,

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<v Speaker 3>you want to pass it down, and you're you worked

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<v Speaker 3>hard to get your credit score up.

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<v Speaker 1>You know, just wasteis you could You.

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<v Speaker 3>Could abandon shit as soon as you as soon as

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<v Speaker 3>you get your your money tight abandoned.

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<v Speaker 2>Something feels very adult about something refinancing a mortgage that

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<v Speaker 2>was like the most adult thing I've done outside of

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<v Speaker 2>having a child. Like, nothing is more adulty hardly than refinancing.

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<v Speaker 2>I mean a mortgage first time cute, but refin so

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<v Speaker 2>you're really on your grown is right now and I'm

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<v Speaker 2>here for it.

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<v Speaker 3>Yes, but be mindful this because my friend got my

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<v Speaker 3>friends got like kind of kind of side not sidetracked.

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<v Speaker 1>What is that person when they side sidewiped words?

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<v Speaker 3>So because their house was worth much more when they refinanced,

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<v Speaker 3>their taxes went up, So just be mindful that that

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<v Speaker 3>might be something because you know, home prices have gone

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<v Speaker 3>up astronomically that it might affect. So they were able

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<v Speaker 3>to save four hundred dollars a month in refinance and

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<v Speaker 3>their taxes went up six hundred dollars. So they were like,

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<v Speaker 3>are you kidding me? So just be mindful of that

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<v Speaker 3>as well about like, you know, will your taxes potentially

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<v Speaker 3>go up? All?

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<v Speaker 1>Right, next question.

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<v Speaker 2>I'll take this one. I'll read it anyway. This comes

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<v Speaker 2>from listener Ayana, Ayana. We'll say hi, Tiffany and Mandy.

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<v Speaker 2>I love the podcast so much. I have a question

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<v Speaker 2>about how to calculate net worth. We just started tracking

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<v Speaker 2>it in January and hit a major milestone positive net

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<v Speaker 2>worth mini dance party. We're dancing with you a but

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<v Speaker 2>I do want to make sure we're calculating it correctly.

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<v Speaker 2>I know that net worth is our assets minus our liabilities,

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<v Speaker 2>but I'm not quite sure where the mortgage falls in that.

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<v Speaker 2>Do I simply subtract how much we owe on the house,

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<v Speaker 2>which is how we're currently tracking, or do we include

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<v Speaker 2>what Zillo told me is the worth of the house.

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<v Speaker 2>We would love y'all's assistance. Thank you so much for

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<v Speaker 2>your help.

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<v Speaker 1>Ayana.

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<v Speaker 2>This is a really good question, very good question.

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<v Speaker 3>It is It's one of the chapters in my book

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<v Speaker 3>gik with Money gig money dot Com. You know I

0:11:04.000 --> 0:11:06.400
<v Speaker 3>haven't plugged it in a while. Yes, but go ahead, man,

0:11:07.000 --> 0:11:08.480
<v Speaker 3>I just want to have.

0:11:09.240 --> 0:11:11.920
<v Speaker 2>You have the giant poster of yourself playing you. But yeah, sure,

0:11:12.320 --> 0:11:14.560
<v Speaker 2>it's been a minute. Gig himmay dot com.

0:11:14.640 --> 0:11:14.880
<v Speaker 3>Y'all.

0:11:17.720 --> 0:11:18.640
<v Speaker 1>This is a good question.

0:11:18.720 --> 0:11:22.280
<v Speaker 2>No, you're you're right though. The key is when you're

0:11:22.320 --> 0:11:24.720
<v Speaker 2>calculating your net worth as far as your home is concerned.

0:11:25.320 --> 0:11:26.800
<v Speaker 2>You can't just look at how much you owe on

0:11:26.840 --> 0:11:29.240
<v Speaker 2>a mortgage or how much your home is valued at

0:11:29.360 --> 0:11:32.520
<v Speaker 2>in a vacuum like separately. You have to subtract one

0:11:32.520 --> 0:11:35.320
<v Speaker 2>from the other to get your equity. So what I

0:11:35.360 --> 0:11:38.000
<v Speaker 2>would do. It's hard because it's difficult to understand what

0:11:38.040 --> 0:11:41.480
<v Speaker 2>your home is valued at now because until someone buys

0:11:41.480 --> 0:11:43.920
<v Speaker 2>your home, you don't know for sure. Your home is

0:11:43.920 --> 0:11:46.400
<v Speaker 2>only really worth what people will pay for it. There's

0:11:46.480 --> 0:11:49.560
<v Speaker 2>ways that you can estimate it. One way is Zillow,

0:11:49.720 --> 0:11:52.959
<v Speaker 2>which is not necessarily the most accurate, but it can

0:11:53.040 --> 0:11:55.880
<v Speaker 2>give you a It can give you a ballpark. Another

0:11:55.960 --> 0:11:59.000
<v Speaker 2>way is to ask a realtor in your area or

0:11:59.080 --> 0:12:01.640
<v Speaker 2>see you know, do a quick little survey of home

0:12:01.760 --> 0:12:05.600
<v Speaker 2>similar square footage amenities in your area that have sold

0:12:05.679 --> 0:12:09.720
<v Speaker 2>recently and what they sold for price, price per square

0:12:09.720 --> 0:12:11.720
<v Speaker 2>foot and then kind of try to suss out your

0:12:11.800 --> 0:12:15.000
<v Speaker 2>value from there. Once you have your value, you can

0:12:15.040 --> 0:12:17.439
<v Speaker 2>subtract your mortgage or how much you owe on it

0:12:17.840 --> 0:12:20.480
<v Speaker 2>from that value, and you have a general sense of

0:12:20.520 --> 0:12:23.920
<v Speaker 2>your equity it equity estimate, I would say, and that

0:12:23.960 --> 0:12:25.959
<v Speaker 2>can be added on top to your your network.

0:12:27.600 --> 0:12:29.440
<v Speaker 3>I want you to think of like I think about

0:12:29.520 --> 0:12:31.480
<v Speaker 3>like like when you're doing a network for people who

0:12:31.480 --> 0:12:33.720
<v Speaker 3>are doing your network, that it's like two columns. There's

0:12:33.760 --> 0:12:37.160
<v Speaker 3>the asset column and there's a liability column and so

0:12:37.320 --> 0:12:39.360
<v Speaker 3>and at the bottom, it's like you're adding up all

0:12:39.360 --> 0:12:42.079
<v Speaker 3>your assets. At the bottom, you're adding up all your liability.

0:12:42.160 --> 0:12:44.480
<v Speaker 3>So assets are things that are putting money into your pocket.

0:12:44.840 --> 0:12:47.600
<v Speaker 3>Liabilities are things taking taking money out of your pocket.

0:12:47.920 --> 0:12:50.439
<v Speaker 3>And then at the bottom those totals you're gonna subtract,

0:12:50.800 --> 0:12:53.800
<v Speaker 3>you know, what's taking money out of your pocket from

0:12:53.800 --> 0:12:55.920
<v Speaker 3>what's putting money into your pocket. So if I was

0:12:55.960 --> 0:12:58.160
<v Speaker 3>looking at it, like you know, you're creating this chart

0:12:58.800 --> 0:13:03.400
<v Speaker 3>on the asset side, I would have the like Maddy said,

0:13:03.440 --> 0:13:06.200
<v Speaker 3>the estimated value current value of my house on the

0:13:06.280 --> 0:13:09.760
<v Speaker 3>asset side. On the liability side, I would have current

0:13:10.480 --> 0:13:13.200
<v Speaker 3>the current balance site oh on my house. So there

0:13:13.240 --> 0:13:15.360
<v Speaker 3>has to be a balance when it comes to mortgages

0:13:15.880 --> 0:13:18.480
<v Speaker 3>or cars, you know, things that you owe money on

0:13:18.840 --> 0:13:20.840
<v Speaker 3>because you have to have on one side what it's worth,

0:13:21.160 --> 0:13:22.840
<v Speaker 3>on the other side what you still owe on it.

0:13:22.920 --> 0:13:24.160
<v Speaker 1>And that's how it balances.

0:13:24.520 --> 0:13:27.480
<v Speaker 3>So like for any of you, like budding accountants, you know,

0:13:27.520 --> 0:13:29.240
<v Speaker 3>that's just balancing your balance sheet.

0:13:29.520 --> 0:13:30.480
<v Speaker 1>And so that's how you'll know.

0:13:30.600 --> 0:13:33.040
<v Speaker 3>So knowing for your home, your car, and maybe you

0:13:33.080 --> 0:13:35.800
<v Speaker 3>own a boat or whatever, that you should have something

0:13:35.840 --> 0:13:38.520
<v Speaker 3>on both sides of that of that column, and it

0:13:38.559 --> 0:13:40.960
<v Speaker 3>will help you to know that you are at least

0:13:41.360 --> 0:13:45.640
<v Speaker 3>fairly accurately deciding you know, how much your your net

0:13:45.640 --> 0:13:46.080
<v Speaker 3>worth is.

0:13:46.120 --> 0:13:47.720
<v Speaker 1>But you know that's awesome.

0:13:47.760 --> 0:13:51.640
<v Speaker 3>A positive network just means that you own more than

0:13:51.679 --> 0:13:56.040
<v Speaker 3>you owe. That's really key, owning your assets, owing your liabilities,

0:13:56.080 --> 0:13:58.040
<v Speaker 3>and that's the ideal that you're wanting to The only

0:13:58.080 --> 0:13:59.600
<v Speaker 3>way to really raise your net worth is you have

0:13:59.640 --> 0:14:03.960
<v Speaker 3>to eat their own more and or oh less. And

0:14:03.960 --> 0:14:05.920
<v Speaker 3>if you do that, you know you really because people

0:14:05.920 --> 0:14:07.880
<v Speaker 3>can have a ton of money. I mean we've seen it.

0:14:07.920 --> 0:14:10.520
<v Speaker 3>People have a million dollars you know, in the bank,

0:14:10.800 --> 0:14:13.600
<v Speaker 3>but they owe ten million, so their net worth is

0:14:14.360 --> 0:14:17.040
<v Speaker 3>negative nine million dollars. So you can have a lot

0:14:17.040 --> 0:14:19.200
<v Speaker 3>of money but have a terrible net worth. To me,

0:14:19.320 --> 0:14:22.000
<v Speaker 3>net worth is one of the numbers, like a credit

0:14:22.040 --> 0:14:25.240
<v Speaker 3>score or debt to income ratio that it helps to

0:14:25.320 --> 0:14:28.560
<v Speaker 3>really gauge like the health of your overall finances and

0:14:28.600 --> 0:14:33.440
<v Speaker 3>so like, congratulations on a positive network. Iyaha, that's awesome,

0:14:33.560 --> 0:14:35.440
<v Speaker 3>So keep going and keep like.

0:14:35.440 --> 0:14:38.880
<v Speaker 2>Student loan debt is the secret killer of net worth

0:14:38.960 --> 0:14:41.960
<v Speaker 2>in this for millennials and Gen xers for sure, and

0:14:42.000 --> 0:14:46.520
<v Speaker 2>increasingly senior citizens, which is pretty damn sad. And there's

0:14:46.600 --> 0:14:49.560
<v Speaker 2>been like very little movement on the whole student debt

0:14:49.600 --> 0:14:52.560
<v Speaker 2>cancelation front. But I mean, if you look at your

0:14:52.600 --> 0:14:55.520
<v Speaker 2>net worth, truly, I guarantee you, for a lot of people,

0:14:55.680 --> 0:14:57.360
<v Speaker 2>it's student loan debt that's holding them back.

0:14:57.440 --> 0:15:00.720
<v Speaker 3>Which speaking with speaking about holding people back, we got

0:15:00.720 --> 0:15:02.720
<v Speaker 3>an interesting how are we gonna do this?

0:15:02.840 --> 0:15:03.560
<v Speaker 1>And here's the thing.

0:15:03.600 --> 0:15:07.520
<v Speaker 3>Okay, so I'm i'm we're gonna rename her because I

0:15:07.520 --> 0:15:08.840
<v Speaker 3>don't want to put you maybe you put it, gave

0:15:08.840 --> 0:15:14.760
<v Speaker 3>a fake name. We're gonna name her Sincere okay from Arizona.

0:15:15.200 --> 0:15:21.240
<v Speaker 3>Now maybe you gave us so Sincere from Arizona. I

0:15:21.280 --> 0:15:27.040
<v Speaker 3>thought yes. So she's sick of her Sincere from Arizona. Look,

0:15:27.120 --> 0:15:28.960
<v Speaker 3>she's sick of you. She's sick of you, your boss,

0:15:29.000 --> 0:15:31.120
<v Speaker 3>her boss. She's sick of you, she's sick of your mess.

0:15:31.200 --> 0:15:33.680
<v Speaker 3>She's sick of your foolishness. She's sick of you having.

0:15:33.600 --> 0:15:34.400
<v Speaker 1>Your right hand.

0:15:34.640 --> 0:15:36.280
<v Speaker 3>And you don't even want to lean into the fact

0:15:36.280 --> 0:15:40.360
<v Speaker 3>that she's amazing. She's about to be out anyway, you know,

0:15:40.600 --> 0:15:44.440
<v Speaker 3>because you don't really acknowledge her accomplishments. Sincere is sick

0:15:44.480 --> 0:15:46.520
<v Speaker 3>of you and your foolishness. Now that's not her name,

0:15:46.560 --> 0:15:49.000
<v Speaker 3>that's not where she lives. You know. We I don't

0:15:49.040 --> 0:15:50.520
<v Speaker 3>even know if these names and things are right, but

0:15:50.560 --> 0:15:54.120
<v Speaker 3>we we feel you Sincere. Well. I can't read this

0:15:54.160 --> 0:15:56.840
<v Speaker 3>out loud because I do not want where you work

0:15:57.480 --> 0:15:59.200
<v Speaker 3>to let you go before you are ready to be

0:15:59.280 --> 0:15:59.640
<v Speaker 3>let go.

0:16:00.200 --> 0:16:05.600
<v Speaker 1>But she's here. We wish you well, We wish you peace. Girl.

0:16:05.640 --> 0:16:07.320
<v Speaker 3>Don't let don't let them talk to you crazy. Don't

0:16:07.360 --> 0:16:09.600
<v Speaker 3>let them make you feel crazy. Sincere, me and Mandy

0:16:09.640 --> 0:16:11.720
<v Speaker 3>are rooting for you. I see you've been at the

0:16:11.800 --> 0:16:14.160
<v Speaker 3>job for some time. But that's the right though. You're dope, girl.

0:16:14.320 --> 0:16:16.440
<v Speaker 3>Don't let them make you feel less thing you you

0:16:16.560 --> 0:16:18.480
<v Speaker 3>are the job. See how they do without you.

0:16:18.520 --> 0:16:22.600
<v Speaker 2>Okay, so yeah, this is the This is the one

0:16:22.680 --> 0:16:26.320
<v Speaker 2>excerpt that's maybe safe to read, but the core, the

0:16:26.360 --> 0:16:29.440
<v Speaker 2>core thing is clearly Sincere it just wants to vent

0:16:29.520 --> 0:16:31.760
<v Speaker 2>because they have been working at this job for a

0:16:31.800 --> 0:16:34.720
<v Speaker 2>long time. Don't feel appreciated, They say, I don't understand

0:16:34.720 --> 0:16:36.760
<v Speaker 2>why every year I have to provide a list of

0:16:36.760 --> 0:16:40.120
<v Speaker 2>accomplishments to prove why I should get an increase when

0:16:40.160 --> 0:16:42.320
<v Speaker 2>I think my work speaks for itself and I am

0:16:42.360 --> 0:16:46.560
<v Speaker 2>doing the work of four people while being underpaid. This

0:16:46.640 --> 0:16:49.840
<v Speaker 2>is this is, this is the thing, Sincere. If they

0:16:50.240 --> 0:16:52.160
<v Speaker 2>you have to believe who people are when they show

0:16:52.200 --> 0:16:55.520
<v Speaker 2>you the first ten times, okay, at least the first one, two, three, four,

0:16:55.640 --> 0:16:58.400
<v Speaker 2>ten times. And in this case they have shown you

0:16:58.440 --> 0:17:01.720
<v Speaker 2>that you know you're You're work isn't valued you, you

0:17:01.800 --> 0:17:04.040
<v Speaker 2>aren't getting support that you need. So I feel like,

0:17:04.600 --> 0:17:06.760
<v Speaker 2>as angry as you are and as hilarious this is,

0:17:06.880 --> 0:17:09.240
<v Speaker 2>I just want you to be happy, Sincere. So I'm saying,

0:17:09.920 --> 0:17:12.760
<v Speaker 2>get your resume dusted off and don't feel you have

0:17:12.800 --> 0:17:14.879
<v Speaker 2>been there a long time. Don't feel a lick of

0:17:14.920 --> 0:17:18.879
<v Speaker 2>shame for going on your merry way and working for

0:17:18.920 --> 0:17:21.679
<v Speaker 2>a place that hopefully values you a hell of a

0:17:21.680 --> 0:17:29.199
<v Speaker 2>lot more than this place has. Yeah, virtual hug, I

0:17:29.280 --> 0:17:32.440
<v Speaker 2>kind of wish this was tequila. Now it's just water.

0:17:34.600 --> 0:17:37.400
<v Speaker 1>Don't let them, don't let them stress you else. Listen

0:17:37.400 --> 0:17:39.199
<v Speaker 1>to get your kiky on.

0:17:39.480 --> 0:17:42.880
<v Speaker 2>This was a healthy venting, you know, strategy though coping mechanism.

0:17:42.920 --> 0:17:44.720
<v Speaker 2>You can y'all convent to us, I mean, maybe not

0:17:45.160 --> 0:17:47.119
<v Speaker 2>so much, but vent to us.

0:17:47.280 --> 0:17:50.400
<v Speaker 3>Put it, you're not here, Yes, we are not here

0:17:50.440 --> 0:17:52.199
<v Speaker 3>that we will not if we think there's anything in

0:17:52.240 --> 0:17:54.640
<v Speaker 3>here that maybe you're not really thinking through that, Like,

0:17:54.640 --> 0:17:57.639
<v Speaker 3>oh wait, my boss or whomever might be able to

0:17:57.640 --> 0:18:00.080
<v Speaker 3>tell us me we're good enough to be Like no,

0:18:00.119 --> 0:18:00.960
<v Speaker 3>I'm not gonna say that part.

0:18:03.240 --> 0:18:05.000
<v Speaker 2>And I really hope there's no one names since here

0:18:05.040 --> 0:18:08.520
<v Speaker 2>in Arizona, we don't mean you like no not.

0:18:08.840 --> 0:18:11.440
<v Speaker 1>Her boss is like, oh words here, I heard about

0:18:11.440 --> 0:18:12.000
<v Speaker 1>you on the b A.

0:18:14.520 --> 0:18:15.919
<v Speaker 2>Pseudonym pseudonym.

0:18:16.240 --> 0:18:21.879
<v Speaker 3>Okay, So if you have a QA for the b A,

0:18:22.960 --> 0:18:26.800
<v Speaker 3>then please submit it to us at Branna Vision podcast

0:18:26.960 --> 0:18:30.680
<v Speaker 3>dot com and click ask us anything. Certainly you can

0:18:30.800 --> 0:18:33.520
<v Speaker 3>send us a d m on ig We like that

0:18:33.600 --> 0:18:36.040
<v Speaker 3>as well. And if your thought this is really helpful,

0:18:36.119 --> 0:18:42.160
<v Speaker 3>please share this podcast with three friends. Literally copy paste

0:18:42.200 --> 0:18:44.560
<v Speaker 3>the link and say you need to listen. I laughed,

0:18:44.800 --> 0:18:49.720
<v Speaker 3>I cried, I learned, I grew Okay.

0:18:48.680 --> 0:18:50.679
<v Speaker 2>Oh god, that put that on a put that on

0:18:50.720 --> 0:18:53.399
<v Speaker 2>a poster. I need that right behind me. I laughed,

0:18:53.400 --> 0:18:57.920
<v Speaker 2>I cried, I learned, I grew from brown ambition. All right,

0:18:58.560 --> 0:19:01.240
<v Speaker 2>until next me a Sam Bye,