December 24, 2025 • 25 mins
See omnystudio.com/listener for privacy information.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Y y yea yea yea yee.
Speaker 2 (00:02):
It's what you all been waiting foo over.
Speaker 3 (00:05):
You're tapped in the way up with Angela yee.
Speaker 4 (00:07):
What's up?
Speaker 2 (00:08):
It's way up with Angela yee. And Happy Christmas Eve everybody.
And I am gonna be honest. Still haven't done what
I need to do to handle for the holidays, but
I'm on it.
Speaker 4 (00:17):
What do I keep saying that? Why wile I wait
to the last minute.
Speaker 2 (00:20):
We got two special guests joining us today for Wealth Wednesday.
Doctor Sonya Lewis aka the Student Loan Doctor. There is
so much information you need to know about your student
loans and she's got your back.
Speaker 4 (00:30):
This is what she does.
Speaker 2 (00:31):
Also, Mandy Money is going to be joining us talking
about negotiating your race.
Speaker 4 (00:36):
It is that time.
Speaker 2 (00:37):
So when you get back to work, it is time
for these evaluations. It's time for you to say, Okay,
here's what I've been doing and here's what I deserve. Remember,
you negotiate that race because you deserve one. We're also
shining a light because that's what we do. Eight hundred
and two ninety two fifty one fifty Spread love and
some positivity. It's all about you and who you want
to spread some love to. But right now, let's get
(00:59):
into one one of the most classic holiday songs ever.
She is the Queen of Holidays, Mariah Carey.
Speaker 4 (01:05):
All I want for Christmas is you. It's way up.
Speaker 3 (01:08):
I'm shame. I'm turn your lights on, y'all.
Speaker 5 (01:11):
Turn your life song it spreading love to those who
are doing greatness.
Speaker 3 (01:14):
Shine the light on it, Shine the light on them.
It's time to shine a light on. What's up? This way?
Speaker 2 (01:22):
You put angela yee and you know what time it is.
It's time to shine a light eight hundred and two
ninety two fifty one fifty call us up. Let us
know who you want to shine a light on, Olivia.
Speaker 6 (01:32):
Actually, honestly, I want to try the light on myself.
This time last year, I was homeless and I had
absolutely nothing. I restarted my life. I just now wrote
a book. I'm also now a manager at a recruiting
staffage agency, and I just landed a new yig on
a news station I used to radio in Chicago. I'm
living here to Nashville to start my life over.
Speaker 2 (01:53):
Yeah, oh my gosh, Olivia, this is amazing.
Speaker 6 (01:57):
Yeah, thank you, Elida.
Speaker 7 (01:58):
I gotta tell you that.
Speaker 8 (02:00):
I adore you.
Speaker 6 (02:01):
I listened to you like.
Speaker 1 (02:02):
You're one of my radio gods.
Speaker 6 (02:04):
Like I started doing radio because of you.
Speaker 2 (02:07):
That means so much to me. I am so impressed
by your story. I want to read your book.
Speaker 4 (02:11):
What's it called.
Speaker 6 (02:12):
It's called with Silent Screams. The website is with Silent
Springs dot com. You can get it on there.
Speaker 4 (02:18):
Olivia.
Speaker 2 (02:19):
You deserve you definitely deserve to have a life shine
on you. I cannot wait to read about your story.
That is imagine that homeless last year and now this
year heading up a recruiting agency, starting a new radio gig.
Speaker 4 (02:31):
That's amazing. I love it.
Speaker 6 (02:33):
Thank you so much, and thank you for being you.
I really appreciate you. Thank you for opening us the door.
Speaker 4 (02:38):
All right, well, thank you, Olivia. I hope to me
too soon.
Speaker 1 (02:40):
Oh I hope you all right?
Speaker 4 (02:42):
Take it you too.
Speaker 2 (02:44):
That was Shina Light. Eight hundred two ninety two fifty
one fifty. And remember always always always have the phone
lines open for you guys to spread some love. Eight
hundred two ninety two fifty one fifty is a number.
Speaker 4 (02:54):
It's way up.
Speaker 3 (02:56):
This is a judgment. Freeze all tell us a secret.
Speaker 2 (03:00):
What's up? His way, buddy, Angela, yee, and you know
what time it is. There's a lot of secrets going on,
and it's that season of Secrets eight hundred and two
ninety two fifty one fifty. Remember it's a no judgment zone.
You're anonymous. What's up, Anonymous?
Speaker 9 (03:12):
Color?
Speaker 4 (03:12):
What's your secret?
Speaker 1 (03:13):
I told you a couple of days ago. He told
you about my secret and my boss's wife.
Speaker 4 (03:18):
Yeah, you were saving with your boss's wife.
Speaker 1 (03:20):
Yeah. So apparently my boss listens to your show. And
I'm so surprised because he is not the top of
dude that will listen to like that top of radio station.
Speaker 4 (03:30):
First of all, you okay, no, but go ahead.
Speaker 1 (03:33):
Personally, he likes he likes you a lot, Angela. He
said your show and he recognized my voice. So now
I'm stuck with his wife.
Speaker 4 (03:40):
So he fired you.
Speaker 1 (03:42):
He did fire me, per see, because he kind of
said that he had a feeling, so now I can
have his headache.
Speaker 4 (03:48):
How do he confront you? Like what happened?
Speaker 1 (03:51):
Oh? He came shut up and he told me, yo,
you ever heard of that show up with angelaue? I
was like, yeah, He's like I listened to that show
all the time. And right there. I was like and
then he's like, yeah, I just heard of the corner.
He said he was sleeping with his voices. What was man?
I should have sworn that sounded just like you. O.
Speaker 7 (04:09):
Man.
Speaker 1 (04:10):
I didn't know what to say. He's back. It was you,
wasn't it, damn? And I'm like, uh, I'm not even
gonna lie to you, and I just throw the beans
on them and he's like, you can have that headache.
Speaker 2 (04:20):
Well, two things I want to say. A make sure
you check out ZIP recruiter is a great way for
you to find a.
Speaker 4 (04:25):
New job and be bosses.
Speaker 2 (04:29):
Listened to the show too, facts, Well, good luck to you, Sarah.
You have to feel like a burden is lifted there.
Now you ain't got to sleep at the wire no more.
Speaker 1 (04:39):
And you know it is. Well, I'm stuck with her,
so she would stay in my house for a few days.
She's gonna get.
Speaker 4 (04:44):
All right, she's staying at your house.
Speaker 1 (04:49):
I think she's gonna go to her sister's house.
Speaker 4 (04:51):
Oh my god.
Speaker 1 (04:51):
I do want to thank you for I mean, I
didn't want to get blown up like that, but I
had to get that burden off my back.
Speaker 2 (04:56):
Okay, all right, Well, thank you. You got a new burden
now right, don't leave siss lay up all right? Well
that was tell us a secret eight hundred and two
ninety two fifty one fifty. You all had some amazing
secrets this year. Let's make some great secrets for twenty
twenty six as well.
Speaker 4 (05:13):
It's way up.
Speaker 8 (05:14):
Kind a dream of wealthy and I don't mind sharing
my wealth dog get you straight financially, mentally and physically.
Speaker 5 (05:21):
This is Wealth Wednesday on way up with Angela Yee.
Speaker 4 (05:24):
What's up?
Speaker 2 (05:24):
Its way up with Angela Yee for Wealth Wednesday. I'm
here with Stacy Tisdale.
Speaker 10 (05:28):
Happy Wealth Wednesdays everybody, and we are going to talk
about student loan debt and we are so very happy
to have doctor Sonya Lewis, who is a CEO and
founder of the Student Loan Doctor.
Speaker 4 (05:40):
What you'll hear all about.
Speaker 10 (05:41):
But let's just jump right in. The government canceled the
Saved Plan and what is that going to mean for people?
Speaker 2 (05:48):
So a lot of people were in limbo in terms
of what to do. Now there's no more limbo. You
now know that this administration is just not playing there,
not for a easy repayment. Let's go and make some decisions.
I literally been telling my community for over a year,
please do not get comfortable here. This is a trap.
(06:08):
So people thought they didn't have to make a plan
or a repayment plan until twenty twenty eight. Now we
know they have to start in like the next two months.
The average person we serve has six figure det like
we get people forgiven all the time, with three thousand,
four hundred thousand just last month, nine hundred and ninety
seven thousand.
Speaker 4 (06:27):
Right now, it's a wealth Wednesday.
Speaker 2 (06:28):
I'm here with Stacy Tisdale and we're talking to doctor
Sonya Lewis aka the student loan doctor. Well, doctor Sonya,
is so important that you're here today because we want
to talk about what should somebody do now because this
news just broke. There's hope, but you do need to
be aware that the Trump administration is proposing something called
the RAP plan Repayment Assistance Plan. It looks really pretty,
(06:49):
but it's really bad. So the problem with that plan
is if they were to sign up for that plan,
it changes their loan forgiveness from twenty years minus like
being in any place public service And oh a lot
of people don't know that when you make a certain
amount of payments, certain amount of years you get your
loans forgiven. So in this case, right, people don't know
that it would go from twenty years to thirty.
Speaker 10 (07:11):
Do you have those twenty years that they're changing it
to thirty.
Speaker 2 (07:15):
With the new plan that everybody's going to run to
because it's more affordable, right, because you have less payments
every month.
Speaker 4 (07:21):
But it's just but now.
Speaker 2 (07:22):
Do you have ten more years?
Speaker 10 (07:23):
Not?
Speaker 2 (07:24):
Nobody has that.
Speaker 4 (07:24):
That's like a mortgage. So we're like screaming from.
Speaker 2 (07:27):
Our platform, like the RAP is not a good plan.
You know, it would be better to pay like a
fifty dollars extra payment and the IBr plan income base
for payment versus going into the RAP plan. But when
people don't know better, way they're going to choose you,
you would choose the.
Speaker 10 (07:44):
Super one, like this is less money out of the mouse.
Speaker 2 (07:47):
Yeah, the minimum payment is going to be ten dollars.
What's help for them?
Speaker 10 (07:50):
With student loans and credit reporting?
Speaker 7 (07:52):
Now?
Speaker 2 (07:53):
All right, so a couple of things. The same plan
is really dropping people's credit by one hundred points. So
if you're listening and you're like, oh my god, that's
why my credit drop is because they have people in
this forever Forbearan's plan until recent and people were actually
like a couple of lowsudent spending we were talking about
because the lenders are not letting people out if they
(08:14):
were in the same plan. You literally have to pull
teeth to get out of the plan. If not, your
credit is dropping as a result of it. You don't
want to lose one hundred credit points. It's like you
can't clean it up and get that back. You might
can get some of your points back, but one hundred.
Speaker 8 (08:28):
Y'all.
Speaker 10 (08:28):
Everybody take a deep breath, and I know the Teamwealth
wednesdays dot com.
Speaker 4 (08:32):
We have a free tool that will help you figure.
Speaker 10 (08:34):
Out what to do next on your student loans. It's
a Teamwealth Wednesdays dot Com.
Speaker 2 (08:38):
All right, Doctor Sonya Lewis is here. She's the student
loan doctor. There's a lot happening with this administration when
it comes to student loans, a lot of announcements. It's confusing,
but she's here to help you out for Wealth Wednesday.
I'll be back with Stacy Tisdale and doctor Sonya Lewis
after this.
Speaker 4 (08:53):
It's way out there.
Speaker 8 (08:53):
You kind of dream of wealthy and I don't mind sharing.
Speaker 5 (08:56):
My Wealth Dog, getting you straight financially, mentally, and physically.
This is Wealth Wednesday on Way Up with Angela Yee.
Speaker 3 (09:03):
What's up?
Speaker 2 (09:04):
His way up with Angela Yee. I'm here with Stacy
Tisdale on a Wealth Wednesday. We're talking to doctor Sonya
Lewis the founder and CEO of the Student Loan Doctor.
She is the first black woman owned student loan repayment
firm in the United States.
Speaker 10 (09:17):
African Americans like fifteen or twenty years after graduating, their
levels are higher.
Speaker 2 (09:22):
Well, the problem is interest. This is a little baby
loan when it starts off, but then the interest and
even though I think that's illegal, how the interests of
cruise on a student loan. They need to fix WOLD
before anything. Oh and please don't have defaulted on your
student loans. This happened to one of my good friends.
He lost his ability to get federal clearances moving forward.
(09:42):
He cannot have a job that requires a federal security
cleric because it looks like you're not a responsible citizen.
Speaker 4 (09:49):
That's crazy. I thought that was wild.
Speaker 2 (09:51):
When I have my student loans, I kept having to
defer them.
Speaker 4 (09:54):
But you have to do that, like, you can't.
Speaker 2 (09:56):
Just default or not do anything because you know some
people I think are So there was so much confusion
around the student loans. Some people were like, I'm just
not going to because they know I'm hoping that this
is going to have your cads.
Speaker 4 (10:07):
It's a hope.
Speaker 10 (10:07):
So been something us spring on student loans and it
was like forty percent of people with student loans weren't
doing anything about them. Absolutely no, I know I would
have gotten so complicated.
Speaker 2 (10:18):
I would love for you to sit in on the
class that I do. I do it every Monday night.
It's free. We log in a student a dot gov
and you're on your screen. I'm on my screen. Sometimes
we get a volunteer and I'm just literally walking through
the portal. And then while I'm doing that, I'm teaching
and educating on what they can get in terms of
forgiveness for payment. But then I do a question, when's
the last time you logged in? Three years? Never six years?
(10:41):
Nobody ever logged in last month, And we have hundreds
of people on there, sometimes thousands and they've never logged in.
Or it's a fear factor. What am I going to
find when I go in here? So what I had
to tell people in my community is we have to
log in right now because this tax season they're taking
tax returns. So if you log in, it's see default,
Well what's today? We're right?
Speaker 4 (11:02):
No, remember right?
Speaker 2 (11:03):
So you can get some of wom's December. See I'm
still still gonna let you wrong.
Speaker 4 (11:08):
Well, you will.
Speaker 2 (11:09):
Get your return taken if you go to file it
in next month.
Speaker 4 (11:13):
You know, we have plans for our returns.
Speaker 2 (11:15):
And guess what. That money never even gets to your
student loans that you owe. It goes to the interest
in the fees of the collection agency. Right now, it's
a wealth Wednesday. I'm here with Stacy's Tisdale and we're
talking to doctor Sonya Lewis, aka the student loan doctor.
Speaker 10 (11:28):
You've helped over fifty thousand people, saved half a million dollars.
Everybody out there wants to know how they can work
with you. How do people do that?
Speaker 2 (11:36):
So Instagram is where we have the most fun. That's
why I put all the updates our website. Doctor please
help me dot com, but really don't pay A doctor will
say that's stop agay, Doctor please help me dot com.
We teach every Monday night and then we have a
community that's really just about education classes zooms out the
y zoo, so people will then roll into that. That's
what payment would look like, and it's really affordable. It's
(11:58):
like a couple hundred. We're not trying to rob it
anybody here. Like when we got the guy forgiving nine
hundred ninety seven thousand, he only paid us a couple hundred.
He sent us all this money for lunch. Oh wow,
I don't know what to do, he said. I feel
like I robbed you and I said, you denied. I said,
we're blessed and we have value.
Speaker 1 (12:13):
You're good.
Speaker 2 (12:14):
He said, I don't feel good about only paying you
a couple hundred because he couldn't see his way out
of his student long day. He's a neurosurgeon. Wow, you
really helped us as far as breaking everything down and
the importance of us going on with this administration and
how it affects us the everyday person.
Speaker 4 (12:30):
So thank you for that.
Speaker 2 (12:31):
Thank you guys for this opportunity.
Speaker 10 (12:32):
Doctor Sonya Lewis aka the Student Loan Doctor till.
Speaker 2 (12:37):
Soon, Thank you so much to doctor Sonya Lewis for
joining us. Make sure you check out the Student Loan Doctor.
Go to way up with yea on YouTube and watch
that faux interview and when we come back, we had
the way it mixed for you at the top of
the hour.
Speaker 4 (12:48):
Pleas, it's a.
Speaker 2 (12:49):
Wealth Wednesday and Mandy Money is going to be joining us.
You know her Brown Ambition podcast. She's got a great
story about her own entrepreneurship, but also negotiating your raise. Okay,
it's way up since with it's relationship or career advice.
Speaker 3 (13:03):
Angela's dropping facts. This is as KEI.
Speaker 2 (13:07):
What's up his way for Angela? Yeah, I'm here with
Selena Hill guest hosting today. Are you ready for ask ye?
Speaker 4 (13:13):
I'm right all right?
Speaker 2 (13:14):
Eight hundred two ninety two fifty one fifty We have
done on the line.
Speaker 4 (13:17):
What's up done?
Speaker 1 (13:18):
Hey?
Speaker 11 (13:18):
Whatever with you? I got a question for you. I've
come being with my fiance for a few years now.
I'm trying to get her credit right. He's been playing
with the.
Speaker 3 (13:26):
Credit cars, not paying the bills off.
Speaker 1 (13:29):
I'm getting mine right.
Speaker 4 (13:31):
Okay.
Speaker 1 (13:31):
I got a little.
Speaker 11 (13:32):
Loan from my bank.
Speaker 1 (13:33):
They give me like a twenty thousand dollars line of credit.
Speaker 11 (13:35):
I didn't borrow anything from it, said or nothing.
Speaker 1 (13:38):
But I didn't tell her yet, you know, what I mean, Like,
I don't know if I.
Speaker 11 (13:41):
Should tell her because she's I don't know.
Speaker 4 (13:43):
I don't like how she is where her money.
Speaker 3 (13:46):
No at all?
Speaker 4 (13:47):
Like now that's it, and John, that's a bigger conversation.
Speaker 2 (13:49):
This is your fiance when you guys get married, her
credit is your credit.
Speaker 4 (13:53):
Her spending habits.
Speaker 11 (13:54):
I'm gonna affect of you, like twenty some years. And
like I can say anything about her page.
Speaker 3 (14:00):
I know what you get paid.
Speaker 11 (14:01):
I can say, damn, you got paid pride, but money
you need money to lunch where your money? So get made?
Speaker 7 (14:06):
Like damn, so she mismanages money. But you can't even
have a conversation.
Speaker 4 (14:11):
Is it your approach to the conversation? You said she gambled,
so she has a gambling addiction.
Speaker 2 (14:18):
Yeah, A, don't tell her, I'll say that, But b
this is a bigger issue. And you know, when your
finances get legally intertwined through marriage, that's going to be
a problem. You guys need a financial planner. They don't
touch your money, but they can look at your bills,
your expenses and make you figure out how you can
balance things because once y'all get married, that bad credit
(14:40):
is going to be But That doesn't mean that y'all
don't need to sit down with a planner so she
can understand how all this works. A lot of us
don't have financial education in our background, but you gotta
do something.
Speaker 4 (14:51):
She has a gambling addiction.
Speaker 2 (14:53):
You guys got to deal with all of these things,
and you got to come from it.
Speaker 4 (14:57):
Of a space that we're about to be together forever.
I love you.
Speaker 2 (15:01):
Let's see how we can make our bond stronger and
be stronger as individuals.
Speaker 7 (15:05):
In addition to a financial planner, I would suggest a
counselor or a therapist, a couples therapists before you guys
go into marriage, because it sounds.
Speaker 4 (15:14):
Like this seriously.
Speaker 7 (15:15):
Yeah, you have to be able to talk to your partner.
Speaker 2 (15:17):
You have the responsible one, and you know people think
adultery is the number one reason people break up.
Speaker 4 (15:21):
It's finances.
Speaker 1 (15:23):
I don't like to hurt our feelings with that.
Speaker 4 (15:25):
It ain't about hurting her feelings. Isn't it hurting you too?
Speaker 2 (15:27):
What about your feelings? Listen, sometimes you gotta rip that
band aid off. It hurts for now, but that's how
it heals. Just look at it like this is not
just for you and your union it's for her to
be a stronger individual, to be the best that she
can be, right right, that's.
Speaker 11 (15:42):
What I'm gonna talk to. I'm gonna talk to talk
to a little about it.
Speaker 2 (15:45):
And listen, look up some resources too, so that when
you do have that conversation, it's not just having a talk,
it's also here's some things we can do.
Speaker 11 (15:54):
I needed to talk, right, you got me and my
feelings right now, but y'all need it.
Speaker 3 (15:57):
That's talk.
Speaker 4 (15:58):
I mean, this is out of love.
Speaker 2 (16:00):
This ain't out of any any other reason, you know,
And sometimes love is hard and confronting people about things
is not easy.
Speaker 4 (16:06):
But that's the work that makes you stronger, right right.
Speaker 11 (16:10):
Right right, Thank y'all for that conversation.
Speaker 1 (16:13):
I really really needed that.
Speaker 4 (16:14):
Yeah, no, good luck to you and your famls.
Speaker 2 (16:16):
And it feels like you want to do the right
thing and your heart is in the right place, so
you know, that's the best.
Speaker 10 (16:21):
Start ever it is.
Speaker 2 (16:23):
It is all right, don well, good luck and I
cannot wait for y'all to get through this.
Speaker 4 (16:27):
Keep me updated, please, I got y'all all right, your
test of luck?
Speaker 2 (16:31):
That was ask ye eight hundred and two ninety two
fifty one fifty and when we come back, it is
a Wealth Wednesday, so we'll be talking to Mandy Money
from the Brown Ambition podcast. We'll talk about negotiating your raise.
And I've just seen some good news on my credit score.
I just got an email saying it went up on
a Wealth Wednesday.
Speaker 4 (16:49):
That's a good sign. It's way up.
Speaker 8 (16:51):
I had a dream of wealthy and I don't mind
sharing my wealth dogs.
Speaker 5 (16:55):
Getting you straight financially, mentally and physically. This is Wealth
Wednesday with Angela ye what's up?
Speaker 2 (17:01):
His way up at Angela Yee. And it is my
favorite day, a Wealth Wednesday. I got my partner Stacy
Tisdale here.
Speaker 10 (17:07):
Happy Wealth Wednesdays everybody, and we have something really special
for you and bring you some Brown Ambition mm hmm.
With Mandy Woodruff Santos, who is the founder of that
amazing podcast. If you haven't heard it, check it out.
Speaker 2 (17:21):
I want to discuss something that a lot of people
are dealing with right now.
Speaker 4 (17:24):
We see a lot of businesses struggling.
Speaker 2 (17:27):
We see people getting laid off, we see people nervous
about what's going to come in the future. But when
you do get laid off, it's an unfortunate situation. How
can you advocate for yourself because I know severnce packages
aren't a given, but it is something that you can negotiate.
And it's embarrassing for people as well. And I want
to talk about that too. For some people they don't
even you know, want to tell people shame fat Yeah, yeah,
(17:50):
that this is happening to them, and so that part
is also hard. So I want to talk about that
a little bit.
Speaker 12 (17:56):
You know, I think we're in like a very unique time.
It's been a couple of years now, We're has been this.
The economy has been so dicey. It's like, is it
a recession. No, it's not a recession, but the women
I work with, it feels like a recession. Like I
don't care what the economists say, what the FED says,
like we are going through it. And you're right, I mean,
layoffs are continuing to happen. And the unfortunate thing is that,
(18:17):
of course, yes, I want to empower people to negotiate
their severance packages, and you absolutely can if you're lucky
to be offered one. Companies literally only give severance packages
because they're afraid of be all talking about them on
the internet. It's about their reputation and you know, they
don't want to be known as a company that has
let people go without a dime, you know.
Speaker 4 (18:35):
Or health issue is because the health and they share
think about too.
Speaker 12 (18:38):
You know, if you listen to Brown ambition, I'm always
talking about a recession proof career, and by that I
mean always expect that whether it is the current administration,
whether it's changes in your industry, changes in your life,
like issue is going to hit the fan at some point,
So like, why even pretend like it's not going to happen.
You know, make sure you're living beneath your means so
(18:58):
you can be saving and investment for long term growth.
And for me, the power of connection and maintaining your relationships.
When the women I work with are recently let go,
I'm like, don't look at your resume, don't go to LinkedIn.
Find five people, individuals who you know you have a
good relationship with, who are in your field or professionally
(19:20):
you know, tangential to your field, and contact them and
let them know on a one to one basis, what
has happened, what you want to do next. Start reaching
out to people. That is what creates career longevity. It
ain't your resume.
Speaker 10 (19:33):
What do you say to people who are really crashing
right now?
Speaker 12 (19:35):
Honestly, what I would say to anyone crashing out is
to accept the crash, know that it will, that you can.
You have everything you need to make small incremental changes,
even if you're feeling like you're drowning right now. Make
one phone call to someone who can support you. Do
one search for a credit counseling service. Do one balanced
(19:56):
transfer so that you can get some high interest credit
card debt transferred over, and not a zero percent intro APR.
Just these small things to give yourself some breathing space
and give you yourself.
Speaker 2 (20:06):
Price Mandy Wood, Jeff Santos is here with us for
a Wealth Wednesday, me and Stacy Tisdale. She's a former
personal finance writer at Yahoo Finance but also a mom,
and she's got some great advice for all of us
entrepreneurs and us nine to five ers.
Speaker 4 (20:20):
We got more with her when we come back. It's
way up.
Speaker 8 (20:23):
I'm kind of dream of wealthy and I don't mind
sharing my wealth dogs.
Speaker 5 (20:27):
Getting you straight financially, mentally and physically. This is Wealth
Wednesday on Way Up with Angela Yee.
Speaker 2 (20:33):
What happ It's way up with Angela Yee and Happy
Wealth Wednesday. I'm with Stacy Tisdale and right now we
have Mandy Woodjeff Santo's with us. She is the co
founder of the Brown Ambition podcast and also the founder
of Mandy Moneymakers, a great community and coaching platform.
Speaker 4 (20:47):
And Mandy, I do want to ask you about this.
Speaker 2 (20:49):
So many people are looking for work too, and it
can be discouraging when you're getting a lot of rejections
or maybe even no responses. What would you say to
people who are like, Okay, I want to do this.
I've been looking for work. It's been a long time,
and I'm so discouraged and it's just really like a
lot for me to have to keep on going out
on these interviews and reaching out to people. What would
you say to somebody in that situation.
Speaker 12 (21:11):
I would say that on average, I think the average
job search today, the last time I checked was six months.
That's the average amount of time it takes someone who's
looking for a job to get one, and that's a
long time. And I say that just to normalize the
idea that you may be on this journey for a
long time, and if you're someone who's been in a field,
you have lots of experience, and maybe there's not a
(21:31):
cookie cutter role for you. It could take longer than
six months. So just to normalize that, you want to
find a community. So I have Mandy money Makers, where
there are women we meet every other week, and we
have women who are getting raised as successfully and negotiating amazing,
and we have women who have been looking for work
for months on end. But having a space where you
(21:52):
can come and feel support and also just like sitting
in the discomfort of uncertainty is a practice. I don't
have a five step how to get through that. What
I do know is when you learn how to cope
with that stressful situation, like having a wellness practice, taking
care of yourself, getting your sleep, so that you can
(22:12):
meet these challenges where they are, and then again actually
telling people what's happening to you and making new connections.
Speaker 4 (22:22):
Maybe you need a break from the job search.
Speaker 12 (22:25):
Maybe it's a week, maybe it's forty eight hours where
you're not going to look at LinkedIn or indeed at all,
But then you have to get back to it. And
when you do that, think about what can I be
doing in addition to the online searching and applying, and
more often than not, it is speaking to other human beings.
So find an event near you you can go to
where you're going to be in the same space as
(22:46):
people who like what you like or do what you do,
and be open to the possibility that one of those
potential relationships could turn into your next opportunity. That human impact,
that human connection is the secret sauce that so many
of us are lacking when it comes to being long
term unemployed. We just haven't been able to reach out
(23:07):
to other people who can help us, you know, get
to the next opportunity.
Speaker 10 (23:11):
How can people work with you if they want to
be a Mandy money Maker, if they want to coach
by and tell the different platforms, well.
Speaker 12 (23:18):
Just listen to Brown Ambition first and foremost. You can
find us on ig at Brown Ambition Podcast. My other
handle is Mandy Money, so that's where I do the
bulk of Mandy m A and d I So Mandy Money,
That's where I do my negotiation career advice and all
my info is Mandymoney dot com and Brown Ambition Podcast
dot com. So yeah, but listen to the show support us.
Speaker 2 (23:39):
You can watch that poot interview with Mandy Wit Jeff
Santos from the Brown Ambition podcast on my YouTube channel,
Way Up with Ye And when we come back, of.
Speaker 4 (23:46):
Course, you'll have the last word.
Speaker 3 (23:49):
Take up the.
Speaker 5 (23:49):
Phone taping to get your voice heard.
Speaker 3 (23:52):
What the word bit is the last word on Way
Up with Angela?
Speaker 8 (23:56):
Ye?
Speaker 4 (23:57):
What's up?
Speaker 2 (23:57):
Guys is Way Up with Angela yee, and Merry Christmas
Eve to you all. Make sure you reach out to
loved ones. This is the time you get to really
catch up with people you haven't spoken to in a while.
Speaker 4 (24:09):
It's not about gifts that are tangible.
Speaker 2 (24:12):
Sometimes it's more about spending time and just saying hello
and seeing how people are doing all those things that
we've been meaning to do. Make sure you do those
things before it's too late again. You guys, this is
a family, the Way Up family. We love you so
much and this is your show. You have the last word.
Speaker 9 (24:32):
What's up, Miss Angela.
Speaker 1 (24:33):
My name is Will from Western Pa.
Speaker 11 (24:36):
I wanted to call and you shine a light on myself.
Actually maxed out of prison last year and.
Speaker 9 (24:41):
Since coming home, I've been thriving, working two full.
Speaker 11 (24:45):
Time jobs, got married, just published a.
Speaker 9 (24:48):
Book, so I'm doing a lot and I'm thriving, and
it just feels good to just do the right thing
and be on the right track for the first time
in my life after all the trauma and everything I've
been through. I'm forty years old and finally getting it together,
going
Speaker 3 (25:06):
Way out Turnout with Angela Yee
Y y yea yea yea yee.
Speaker 2 (00:02):
It's what you all been waiting foo over.
Speaker 3 (00:05):
You're tapped in the way up with Angela yee.
Speaker 4 (00:07):
What's up?
Speaker 2 (00:08):
It's way up with Angela yee. And Happy Christmas Eve everybody.
And I am gonna be honest. Still haven't done what
I need to do to handle for the holidays, but
I'm on it.
Speaker 4 (00:17):
What do I keep saying that? Why wile I wait
to the last minute.
Speaker 2 (00:20):
We got two special guests joining us today for Wealth Wednesday.
Doctor Sonya Lewis aka the Student Loan Doctor. There is
so much information you need to know about your student
loans and she's got your back.
Speaker 4 (00:30):
This is what she does.
Speaker 2 (00:31):
Also, Mandy Money is going to be joining us talking
about negotiating your race.
Speaker 4 (00:36):
It is that time.
Speaker 2 (00:37):
So when you get back to work, it is time
for these evaluations. It's time for you to say, Okay,
here's what I've been doing and here's what I deserve. Remember,
you negotiate that race because you deserve one. We're also
shining a light because that's what we do. Eight hundred
and two ninety two fifty one fifty Spread love and
some positivity. It's all about you and who you want
to spread some love to. But right now, let's get
(00:59):
into one one of the most classic holiday songs ever.
She is the Queen of Holidays, Mariah Carey.
Speaker 4 (01:05):
All I want for Christmas is you. It's way up.
Speaker 3 (01:08):
I'm shame. I'm turn your lights on, y'all.
Speaker 5 (01:11):
Turn your life song it spreading love to those who
are doing greatness.
Speaker 3 (01:14):
Shine the light on it, Shine the light on them.
It's time to shine a light on. What's up? This way?
Speaker 2 (01:22):
You put angela yee and you know what time it is.
It's time to shine a light eight hundred and two
ninety two fifty one fifty call us up. Let us
know who you want to shine a light on, Olivia.
Speaker 6 (01:32):
Actually, honestly, I want to try the light on myself.
This time last year, I was homeless and I had
absolutely nothing. I restarted my life. I just now wrote
a book. I'm also now a manager at a recruiting
staffage agency, and I just landed a new yig on
a news station I used to radio in Chicago. I'm
living here to Nashville to start my life over.
Speaker 2 (01:53):
Yeah, oh my gosh, Olivia, this is amazing.
Speaker 6 (01:57):
Yeah, thank you, Elida.
Speaker 7 (01:58):
I gotta tell you that.
Speaker 8 (02:00):
I adore you.
Speaker 6 (02:01):
I listened to you like.
Speaker 1 (02:02):
You're one of my radio gods.
Speaker 6 (02:04):
Like I started doing radio because of you.
Speaker 2 (02:07):
That means so much to me. I am so impressed
by your story. I want to read your book.
Speaker 4 (02:11):
What's it called.
Speaker 6 (02:12):
It's called with Silent Screams. The website is with Silent
Springs dot com. You can get it on there.
Speaker 4 (02:18):
Olivia.
Speaker 2 (02:19):
You deserve you definitely deserve to have a life shine
on you. I cannot wait to read about your story.
That is imagine that homeless last year and now this
year heading up a recruiting agency, starting a new radio gig.
Speaker 4 (02:31):
That's amazing. I love it.
Speaker 6 (02:33):
Thank you so much, and thank you for being you.
I really appreciate you. Thank you for opening us the door.
Speaker 4 (02:38):
All right, well, thank you, Olivia. I hope to me
too soon.
Speaker 1 (02:40):
Oh I hope you all right?
Speaker 4 (02:42):
Take it you too.
Speaker 2 (02:44):
That was Shina Light. Eight hundred two ninety two fifty
one fifty. And remember always always always have the phone
lines open for you guys to spread some love. Eight
hundred two ninety two fifty one fifty is a number.
Speaker 4 (02:54):
It's way up.
Speaker 3 (02:56):
This is a judgment. Freeze all tell us a secret.
Speaker 2 (03:00):
What's up? His way, buddy, Angela, yee, and you know
what time it is. There's a lot of secrets going on,
and it's that season of Secrets eight hundred and two
ninety two fifty one fifty. Remember it's a no judgment zone.
You're anonymous. What's up, Anonymous?
Speaker 9 (03:12):
Color?
Speaker 4 (03:12):
What's your secret?
Speaker 1 (03:13):
I told you a couple of days ago. He told
you about my secret and my boss's wife.
Speaker 4 (03:18):
Yeah, you were saving with your boss's wife.
Speaker 1 (03:20):
Yeah. So apparently my boss listens to your show. And
I'm so surprised because he is not the top of
dude that will listen to like that top of radio station.
Speaker 4 (03:30):
First of all, you okay, no, but go ahead.
Speaker 1 (03:33):
Personally, he likes he likes you a lot, Angela. He
said your show and he recognized my voice. So now
I'm stuck with his wife.
Speaker 4 (03:40):
So he fired you.
Speaker 1 (03:42):
He did fire me, per see, because he kind of
said that he had a feeling, so now I can
have his headache.
Speaker 4 (03:48):
How do he confront you? Like what happened?
Speaker 1 (03:51):
Oh? He came shut up and he told me, yo,
you ever heard of that show up with angelaue? I
was like, yeah, He's like I listened to that show
all the time. And right there. I was like and
then he's like, yeah, I just heard of the corner.
He said he was sleeping with his voices. What was man?
I should have sworn that sounded just like you. O.
Speaker 7 (04:09):
Man.
Speaker 1 (04:10):
I didn't know what to say. He's back. It was you,
wasn't it, damn? And I'm like, uh, I'm not even
gonna lie to you, and I just throw the beans
on them and he's like, you can have that headache.
Speaker 2 (04:20):
Well, two things I want to say. A make sure
you check out ZIP recruiter is a great way for
you to find a.
Speaker 4 (04:25):
New job and be bosses.
Speaker 2 (04:29):
Listened to the show too, facts, Well, good luck to you, Sarah.
You have to feel like a burden is lifted there.
Now you ain't got to sleep at the wire no more.
Speaker 1 (04:39):
And you know it is. Well, I'm stuck with her,
so she would stay in my house for a few days.
She's gonna get.
Speaker 4 (04:44):
All right, she's staying at your house.
Speaker 1 (04:49):
I think she's gonna go to her sister's house.
Speaker 4 (04:51):
Oh my god.
Speaker 1 (04:51):
I do want to thank you for I mean, I
didn't want to get blown up like that, but I
had to get that burden off my back.
Speaker 2 (04:56):
Okay, all right, Well, thank you. You got a new burden
now right, don't leave siss lay up all right? Well
that was tell us a secret eight hundred and two
ninety two fifty one fifty. You all had some amazing
secrets this year. Let's make some great secrets for twenty
twenty six as well.
Speaker 4 (05:13):
It's way up.
Speaker 8 (05:14):
Kind a dream of wealthy and I don't mind sharing
my wealth dog get you straight financially, mentally and physically.
Speaker 5 (05:21):
This is Wealth Wednesday on way up with Angela Yee.
Speaker 4 (05:24):
What's up?
Speaker 2 (05:24):
Its way up with Angela Yee for Wealth Wednesday. I'm
here with Stacy Tisdale.
Speaker 10 (05:28):
Happy Wealth Wednesdays everybody, and we are going to talk
about student loan debt and we are so very happy
to have doctor Sonya Lewis, who is a CEO and
founder of the Student Loan Doctor.
Speaker 4 (05:40):
What you'll hear all about.
Speaker 10 (05:41):
But let's just jump right in. The government canceled the
Saved Plan and what is that going to mean for people?
Speaker 2 (05:48):
So a lot of people were in limbo in terms
of what to do. Now there's no more limbo. You
now know that this administration is just not playing there,
not for a easy repayment. Let's go and make some decisions.
I literally been telling my community for over a year,
please do not get comfortable here. This is a trap.
(06:08):
So people thought they didn't have to make a plan
or a repayment plan until twenty twenty eight. Now we
know they have to start in like the next two months.
The average person we serve has six figure det like
we get people forgiven all the time, with three thousand,
four hundred thousand just last month, nine hundred and ninety
seven thousand.
Speaker 4 (06:27):
Right now, it's a wealth Wednesday.
Speaker 2 (06:28):
I'm here with Stacy Tisdale and we're talking to doctor
Sonya Lewis aka the student loan doctor. Well, doctor Sonya,
is so important that you're here today because we want
to talk about what should somebody do now because this
news just broke. There's hope, but you do need to
be aware that the Trump administration is proposing something called
the RAP plan Repayment Assistance Plan. It looks really pretty,
(06:49):
but it's really bad. So the problem with that plan
is if they were to sign up for that plan,
it changes their loan forgiveness from twenty years minus like
being in any place public service And oh a lot
of people don't know that when you make a certain
amount of payments, certain amount of years you get your
loans forgiven. So in this case, right, people don't know
that it would go from twenty years to thirty.
Speaker 10 (07:11):
Do you have those twenty years that they're changing it
to thirty.
Speaker 2 (07:15):
With the new plan that everybody's going to run to
because it's more affordable, right, because you have less payments
every month.
Speaker 4 (07:21):
But it's just but now.
Speaker 2 (07:22):
Do you have ten more years?
Speaker 10 (07:23):
Not?
Speaker 2 (07:24):
Nobody has that.
Speaker 4 (07:24):
That's like a mortgage. So we're like screaming from.
Speaker 2 (07:27):
Our platform, like the RAP is not a good plan.
You know, it would be better to pay like a
fifty dollars extra payment and the IBr plan income base
for payment versus going into the RAP plan. But when
people don't know better, way they're going to choose you,
you would choose the.
Speaker 10 (07:44):
Super one, like this is less money out of the mouse.
Speaker 2 (07:47):
Yeah, the minimum payment is going to be ten dollars.
What's help for them?
Speaker 10 (07:50):
With student loans and credit reporting?
Speaker 7 (07:52):
Now?
Speaker 2 (07:53):
All right, so a couple of things. The same plan
is really dropping people's credit by one hundred points. So
if you're listening and you're like, oh my god, that's
why my credit drop is because they have people in
this forever Forbearan's plan until recent and people were actually
like a couple of lowsudent spending we were talking about
because the lenders are not letting people out if they
(08:14):
were in the same plan. You literally have to pull
teeth to get out of the plan. If not, your
credit is dropping as a result of it. You don't
want to lose one hundred credit points. It's like you
can't clean it up and get that back. You might
can get some of your points back, but one hundred.
Speaker 8 (08:28):
Y'all.
Speaker 10 (08:28):
Everybody take a deep breath, and I know the Teamwealth
wednesdays dot com.
Speaker 4 (08:32):
We have a free tool that will help you figure.
Speaker 10 (08:34):
Out what to do next on your student loans. It's
a Teamwealth Wednesdays dot Com.
Speaker 2 (08:38):
All right, Doctor Sonya Lewis is here. She's the student
loan doctor. There's a lot happening with this administration when
it comes to student loans, a lot of announcements. It's confusing,
but she's here to help you out for Wealth Wednesday.
I'll be back with Stacy Tisdale and doctor Sonya Lewis
after this.
Speaker 4 (08:53):
It's way out there.
Speaker 8 (08:53):
You kind of dream of wealthy and I don't mind sharing.
Speaker 5 (08:56):
My Wealth Dog, getting you straight financially, mentally, and physically.
This is Wealth Wednesday on Way Up with Angela Yee.
Speaker 3 (09:03):
What's up?
Speaker 2 (09:04):
His way up with Angela Yee. I'm here with Stacy
Tisdale on a Wealth Wednesday. We're talking to doctor Sonya
Lewis the founder and CEO of the Student Loan Doctor.
She is the first black woman owned student loan repayment
firm in the United States.
Speaker 10 (09:17):
African Americans like fifteen or twenty years after graduating, their
levels are higher.
Speaker 2 (09:22):
Well, the problem is interest. This is a little baby
loan when it starts off, but then the interest and
even though I think that's illegal, how the interests of
cruise on a student loan. They need to fix WOLD
before anything. Oh and please don't have defaulted on your
student loans. This happened to one of my good friends.
He lost his ability to get federal clearances moving forward.
(09:42):
He cannot have a job that requires a federal security
cleric because it looks like you're not a responsible citizen.
Speaker 4 (09:49):
That's crazy. I thought that was wild.
Speaker 2 (09:51):
When I have my student loans, I kept having to
defer them.
Speaker 4 (09:54):
But you have to do that, like, you can't.
Speaker 2 (09:56):
Just default or not do anything because you know some
people I think are So there was so much confusion
around the student loans. Some people were like, I'm just
not going to because they know I'm hoping that this
is going to have your cads.
Speaker 4 (10:07):
It's a hope.
Speaker 10 (10:07):
So been something us spring on student loans and it
was like forty percent of people with student loans weren't
doing anything about them. Absolutely no, I know I would
have gotten so complicated.
Speaker 2 (10:18):
I would love for you to sit in on the
class that I do. I do it every Monday night.
It's free. We log in a student a dot gov
and you're on your screen. I'm on my screen. Sometimes
we get a volunteer and I'm just literally walking through
the portal. And then while I'm doing that, I'm teaching
and educating on what they can get in terms of
forgiveness for payment. But then I do a question, when's
the last time you logged in? Three years? Never six years?
(10:41):
Nobody ever logged in last month, And we have hundreds
of people on there, sometimes thousands and they've never logged in.
Or it's a fear factor. What am I going to
find when I go in here? So what I had
to tell people in my community is we have to
log in right now because this tax season they're taking
tax returns. So if you log in, it's see default,
Well what's today? We're right?
Speaker 4 (11:02):
No, remember right?
Speaker 2 (11:03):
So you can get some of wom's December. See I'm
still still gonna let you wrong.
Speaker 4 (11:08):
Well, you will.
Speaker 2 (11:09):
Get your return taken if you go to file it
in next month.
Speaker 4 (11:13):
You know, we have plans for our returns.
Speaker 2 (11:15):
And guess what. That money never even gets to your
student loans that you owe. It goes to the interest
in the fees of the collection agency. Right now, it's
a wealth Wednesday. I'm here with Stacy's Tisdale and we're
talking to doctor Sonya Lewis, aka the student loan doctor.
Speaker 10 (11:28):
You've helped over fifty thousand people, saved half a million dollars.
Everybody out there wants to know how they can work
with you. How do people do that?
Speaker 2 (11:36):
So Instagram is where we have the most fun. That's
why I put all the updates our website. Doctor please
help me dot com, but really don't pay A doctor will
say that's stop agay, Doctor please help me dot com.
We teach every Monday night and then we have a
community that's really just about education classes zooms out the
y zoo, so people will then roll into that. That's
what payment would look like, and it's really affordable. It's
(11:58):
like a couple hundred. We're not trying to rob it
anybody here. Like when we got the guy forgiving nine
hundred ninety seven thousand, he only paid us a couple hundred.
He sent us all this money for lunch. Oh wow,
I don't know what to do, he said. I feel
like I robbed you and I said, you denied. I said,
we're blessed and we have value.
Speaker 1 (12:13):
You're good.
Speaker 2 (12:14):
He said, I don't feel good about only paying you
a couple hundred because he couldn't see his way out
of his student long day. He's a neurosurgeon. Wow, you
really helped us as far as breaking everything down and
the importance of us going on with this administration and
how it affects us the everyday person.
Speaker 4 (12:30):
So thank you for that.
Speaker 2 (12:31):
Thank you guys for this opportunity.
Speaker 10 (12:32):
Doctor Sonya Lewis aka the Student Loan Doctor till.
Speaker 2 (12:37):
Soon, Thank you so much to doctor Sonya Lewis for
joining us. Make sure you check out the Student Loan Doctor.
Go to way up with yea on YouTube and watch
that faux interview and when we come back, we had
the way it mixed for you at the top of
the hour.
Speaker 4 (12:48):
Pleas, it's a.
Speaker 2 (12:49):
Wealth Wednesday and Mandy Money is going to be joining us.
You know her Brown Ambition podcast. She's got a great
story about her own entrepreneurship, but also negotiating your raise. Okay,
it's way up since with it's relationship or career advice.
Speaker 3 (13:03):
Angela's dropping facts. This is as KEI.
Speaker 2 (13:07):
What's up his way for Angela? Yeah, I'm here with
Selena Hill guest hosting today. Are you ready for ask ye?
Speaker 4 (13:13):
I'm right all right?
Speaker 2 (13:14):
Eight hundred two ninety two fifty one fifty We have
done on the line.
Speaker 4 (13:17):
What's up done?
Speaker 1 (13:18):
Hey?
Speaker 11 (13:18):
Whatever with you? I got a question for you. I've
come being with my fiance for a few years now.
I'm trying to get her credit right. He's been playing
with the.
Speaker 3 (13:26):
Credit cars, not paying the bills off.
Speaker 1 (13:29):
I'm getting mine right.
Speaker 4 (13:31):
Okay.
Speaker 1 (13:31):
I got a little.
Speaker 11 (13:32):
Loan from my bank.
Speaker 1 (13:33):
They give me like a twenty thousand dollars line of credit.
Speaker 11 (13:35):
I didn't borrow anything from it, said or nothing.
Speaker 1 (13:38):
But I didn't tell her yet, you know, what I mean, Like,
I don't know if I.
Speaker 11 (13:41):
Should tell her because she's I don't know.
Speaker 4 (13:43):
I don't like how she is where her money.
Speaker 3 (13:46):
No at all?
Speaker 4 (13:47):
Like now that's it, and John, that's a bigger conversation.
Speaker 2 (13:49):
This is your fiance when you guys get married, her
credit is your credit.
Speaker 4 (13:53):
Her spending habits.
Speaker 11 (13:54):
I'm gonna affect of you, like twenty some years. And
like I can say anything about her page.
Speaker 3 (14:00):
I know what you get paid.
Speaker 11 (14:01):
I can say, damn, you got paid pride, but money
you need money to lunch where your money? So get made?
Speaker 7 (14:06):
Like damn, so she mismanages money. But you can't even
have a conversation.
Speaker 4 (14:11):
Is it your approach to the conversation? You said she gambled,
so she has a gambling addiction.
Speaker 2 (14:18):
Yeah, A, don't tell her, I'll say that, But b
this is a bigger issue. And you know, when your
finances get legally intertwined through marriage, that's going to be
a problem. You guys need a financial planner. They don't
touch your money, but they can look at your bills,
your expenses and make you figure out how you can
balance things because once y'all get married, that bad credit
(14:40):
is going to be But That doesn't mean that y'all
don't need to sit down with a planner so she
can understand how all this works. A lot of us
don't have financial education in our background, but you gotta
do something.
Speaker 4 (14:51):
She has a gambling addiction.
Speaker 2 (14:53):
You guys got to deal with all of these things,
and you got to come from it.
Speaker 4 (14:57):
Of a space that we're about to be together forever.
I love you.
Speaker 2 (15:01):
Let's see how we can make our bond stronger and
be stronger as individuals.
Speaker 7 (15:05):
In addition to a financial planner, I would suggest a
counselor or a therapist, a couples therapists before you guys
go into marriage, because it sounds.
Speaker 4 (15:14):
Like this seriously.
Speaker 7 (15:15):
Yeah, you have to be able to talk to your partner.
Speaker 2 (15:17):
You have the responsible one, and you know people think
adultery is the number one reason people break up.
Speaker 4 (15:21):
It's finances.
Speaker 1 (15:23):
I don't like to hurt our feelings with that.
Speaker 4 (15:25):
It ain't about hurting her feelings. Isn't it hurting you too?
Speaker 2 (15:27):
What about your feelings? Listen, sometimes you gotta rip that
band aid off. It hurts for now, but that's how
it heals. Just look at it like this is not
just for you and your union it's for her to
be a stronger individual, to be the best that she
can be, right right, that's.
Speaker 11 (15:42):
What I'm gonna talk to. I'm gonna talk to talk
to a little about it.
Speaker 2 (15:45):
And listen, look up some resources too, so that when
you do have that conversation, it's not just having a talk,
it's also here's some things we can do.
Speaker 11 (15:54):
I needed to talk, right, you got me and my
feelings right now, but y'all need it.
Speaker 3 (15:57):
That's talk.
Speaker 4 (15:58):
I mean, this is out of love.
Speaker 2 (16:00):
This ain't out of any any other reason, you know,
And sometimes love is hard and confronting people about things
is not easy.
Speaker 4 (16:06):
But that's the work that makes you stronger, right right.
Speaker 11 (16:10):
Right right, Thank y'all for that conversation.
Speaker 1 (16:13):
I really really needed that.
Speaker 4 (16:14):
Yeah, no, good luck to you and your famls.
Speaker 2 (16:16):
And it feels like you want to do the right
thing and your heart is in the right place, so
you know, that's the best.
Speaker 10 (16:21):
Start ever it is.
Speaker 2 (16:23):
It is all right, don well, good luck and I
cannot wait for y'all to get through this.
Speaker 4 (16:27):
Keep me updated, please, I got y'all all right, your
test of luck?
Speaker 2 (16:31):
That was ask ye eight hundred and two ninety two
fifty one fifty and when we come back, it is
a Wealth Wednesday, so we'll be talking to Mandy Money
from the Brown Ambition podcast. We'll talk about negotiating your raise.
And I've just seen some good news on my credit score.
I just got an email saying it went up on
a Wealth Wednesday.
Speaker 4 (16:49):
That's a good sign. It's way up.
Speaker 8 (16:51):
I had a dream of wealthy and I don't mind
sharing my wealth dogs.
Speaker 5 (16:55):
Getting you straight financially, mentally and physically. This is Wealth
Wednesday with Angela ye what's up?
Speaker 2 (17:01):
His way up at Angela Yee. And it is my
favorite day, a Wealth Wednesday. I got my partner Stacy
Tisdale here.
Speaker 10 (17:07):
Happy Wealth Wednesdays everybody, and we have something really special
for you and bring you some Brown Ambition mm hmm.
With Mandy Woodruff Santos, who is the founder of that
amazing podcast. If you haven't heard it, check it out.
Speaker 2 (17:21):
I want to discuss something that a lot of people
are dealing with right now.
Speaker 4 (17:24):
We see a lot of businesses struggling.
Speaker 2 (17:27):
We see people getting laid off, we see people nervous
about what's going to come in the future. But when
you do get laid off, it's an unfortunate situation. How
can you advocate for yourself because I know severnce packages
aren't a given, but it is something that you can negotiate.
And it's embarrassing for people as well. And I want
to talk about that too. For some people they don't
even you know, want to tell people shame fat Yeah, yeah,
(17:50):
that this is happening to them, and so that part
is also hard. So I want to talk about that
a little bit.
Speaker 12 (17:56):
You know, I think we're in like a very unique time.
It's been a couple of years now, We're has been this.
The economy has been so dicey. It's like, is it
a recession. No, it's not a recession, but the women
I work with, it feels like a recession. Like I
don't care what the economists say, what the FED says,
like we are going through it. And you're right, I mean,
layoffs are continuing to happen. And the unfortunate thing is that,
(18:17):
of course, yes, I want to empower people to negotiate
their severance packages, and you absolutely can if you're lucky
to be offered one. Companies literally only give severance packages
because they're afraid of be all talking about them on
the internet. It's about their reputation and you know, they
don't want to be known as a company that has
let people go without a dime, you know.
Speaker 4 (18:35):
Or health issue is because the health and they share
think about too.
Speaker 12 (18:38):
You know, if you listen to Brown ambition, I'm always
talking about a recession proof career, and by that I
mean always expect that whether it is the current administration,
whether it's changes in your industry, changes in your life,
like issue is going to hit the fan at some point,
So like, why even pretend like it's not going to happen.
You know, make sure you're living beneath your means so
(18:58):
you can be saving and investment for long term growth.
And for me, the power of connection and maintaining your relationships.
When the women I work with are recently let go,
I'm like, don't look at your resume, don't go to LinkedIn.
Find five people, individuals who you know you have a
good relationship with, who are in your field or professionally
(19:20):
you know, tangential to your field, and contact them and
let them know on a one to one basis, what
has happened, what you want to do next. Start reaching
out to people. That is what creates career longevity. It
ain't your resume.
Speaker 10 (19:33):
What do you say to people who are really crashing
right now?
Speaker 12 (19:35):
Honestly, what I would say to anyone crashing out is
to accept the crash, know that it will, that you can.
You have everything you need to make small incremental changes,
even if you're feeling like you're drowning right now. Make
one phone call to someone who can support you. Do
one search for a credit counseling service. Do one balanced
(19:56):
transfer so that you can get some high interest credit
card debt transferred over, and not a zero percent intro APR.
Just these small things to give yourself some breathing space
and give you yourself.
Speaker 2 (20:06):
Price Mandy Wood, Jeff Santos is here with us for
a Wealth Wednesday, me and Stacy Tisdale. She's a former
personal finance writer at Yahoo Finance but also a mom,
and she's got some great advice for all of us
entrepreneurs and us nine to five ers.
Speaker 4 (20:20):
We got more with her when we come back. It's
way up.
Speaker 8 (20:23):
I'm kind of dream of wealthy and I don't mind
sharing my wealth dogs.
Speaker 5 (20:27):
Getting you straight financially, mentally and physically. This is Wealth
Wednesday on Way Up with Angela Yee.
Speaker 2 (20:33):
What happ It's way up with Angela Yee and Happy
Wealth Wednesday. I'm with Stacy Tisdale and right now we
have Mandy Woodjeff Santo's with us. She is the co
founder of the Brown Ambition podcast and also the founder
of Mandy Moneymakers, a great community and coaching platform.
Speaker 4 (20:47):
And Mandy, I do want to ask you about this.
Speaker 2 (20:49):
So many people are looking for work too, and it
can be discouraging when you're getting a lot of rejections
or maybe even no responses. What would you say to
people who are like, Okay, I want to do this.
I've been looking for work. It's been a long time,
and I'm so discouraged and it's just really like a
lot for me to have to keep on going out
on these interviews and reaching out to people. What would
you say to somebody in that situation.
Speaker 12 (21:11):
I would say that on average, I think the average
job search today, the last time I checked was six months.
That's the average amount of time it takes someone who's
looking for a job to get one, and that's a
long time. And I say that just to normalize the
idea that you may be on this journey for a
long time, and if you're someone who's been in a field,
you have lots of experience, and maybe there's not a
(21:31):
cookie cutter role for you. It could take longer than
six months. So just to normalize that, you want to
find a community. So I have Mandy money Makers, where
there are women we meet every other week, and we
have women who are getting raised as successfully and negotiating amazing,
and we have women who have been looking for work
for months on end. But having a space where you
(21:52):
can come and feel support and also just like sitting
in the discomfort of uncertainty is a practice. I don't
have a five step how to get through that. What
I do know is when you learn how to cope
with that stressful situation, like having a wellness practice, taking
care of yourself, getting your sleep, so that you can
(22:12):
meet these challenges where they are, and then again actually
telling people what's happening to you and making new connections.
Speaker 4 (22:22):
Maybe you need a break from the job search.
Speaker 12 (22:25):
Maybe it's a week, maybe it's forty eight hours where
you're not going to look at LinkedIn or indeed at all,
But then you have to get back to it. And
when you do that, think about what can I be
doing in addition to the online searching and applying, and
more often than not, it is speaking to other human beings.
So find an event near you you can go to
where you're going to be in the same space as
(22:46):
people who like what you like or do what you do,
and be open to the possibility that one of those
potential relationships could turn into your next opportunity. That human impact,
that human connection is the secret sauce that so many
of us are lacking when it comes to being long
term unemployed. We just haven't been able to reach out
(23:07):
to other people who can help us, you know, get
to the next opportunity.
Speaker 10 (23:11):
How can people work with you if they want to
be a Mandy money Maker, if they want to coach
by and tell the different platforms, well.
Speaker 12 (23:18):
Just listen to Brown Ambition first and foremost. You can
find us on ig at Brown Ambition Podcast. My other
handle is Mandy Money, so that's where I do the
bulk of Mandy m A and d I So Mandy Money,
That's where I do my negotiation career advice and all
my info is Mandymoney dot com and Brown Ambition Podcast
dot com. So yeah, but listen to the show support us.
Speaker 2 (23:39):
You can watch that poot interview with Mandy Wit Jeff
Santos from the Brown Ambition podcast on my YouTube channel,
Way Up with Ye And when we come back, of.
Speaker 4 (23:46):
Course, you'll have the last word.
Speaker 3 (23:49):
Take up the.
Speaker 5 (23:49):
Phone taping to get your voice heard.
Speaker 3 (23:52):
What the word bit is the last word on Way
Up with Angela?
Speaker 8 (23:56):
Ye?
Speaker 4 (23:57):
What's up?
Speaker 2 (23:57):
Guys is Way Up with Angela yee, and Merry Christmas
Eve to you all. Make sure you reach out to
loved ones. This is the time you get to really
catch up with people you haven't spoken to in a while.
Speaker 4 (24:09):
It's not about gifts that are tangible.
Speaker 2 (24:12):
Sometimes it's more about spending time and just saying hello
and seeing how people are doing all those things that
we've been meaning to do. Make sure you do those
things before it's too late again. You guys, this is
a family, the Way Up family. We love you so
much and this is your show. You have the last word.
Speaker 9 (24:32):
What's up, Miss Angela.
Speaker 1 (24:33):
My name is Will from Western Pa.
Speaker 11 (24:36):
I wanted to call and you shine a light on myself.
Actually maxed out of prison last year and.
Speaker 9 (24:41):
Since coming home, I've been thriving, working two full.
Speaker 11 (24:45):
Time jobs, got married, just published a.
Speaker 9 (24:48):
Book, so I'm doing a lot and I'm thriving, and
it just feels good to just do the right thing
and be on the right track for the first time
in my life after all the trauma and everything I've
been through. I'm forty years old and finally getting it together,
going
Speaker 3 (25:06):
Way out Turnout with Angela Yee
Way Up With Angela Yee News
Host
Angela Yee
Show Links
Official WebsitePopular Podcasts
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
The Bobby Bones Show
Listen to 'The Bobby Bones Show' by downloading the daily full replay.