Latest / You Minding Your Own Business / Episode 86 - Healing and Recovery From Financial Job or Business Failures and Losses.
Transcript
- 0:00Speaker 1: Welcome, welcome to You Minding Your Own Business. I'm your host,
- 0:04Speaker 1: Goddess Asha Mary. I'm going to thank you guys for
- 0:07Speaker 1: joining me for this episode. If you guys like the
- 0:09Speaker 1: commentary and want to hear more, please go to Sprigga.com
- 0:12Speaker 1: forward slash You Minding Your Own Business. If you want
- 0:16Speaker 1: to hear all of my podcasts, please go to Sprigga.com
- 0:19Speaker 1: forward slash my name, A-S-H-A dot M-A-R-I-A-M-A-0-1 at gmail.com. It's
- 0:27Speaker 1: A-S-H-A dot M-A-R-I-A-M-A-0-1 and gmail.com. You can also hear my
- 0:34Speaker 1: podcast on iHeartRadio, Amazon, Google, Spotify. You can also hear
- 0:41Speaker 1: it on Amazon as well and multiple other streaming companies.
- 0:48Speaker 1: A little bit about me. I am a certified recovery
- 0:51Speaker 1: healing and recovery and addiction healer. coach as well as
- 0:56Speaker 1: a mental health practitioner. It's all about helping people find
- 1:00Speaker 1: their paths and their purpose and their journey to a
- 1:03Speaker 1: new and better you through self-discovery. I created this podcast
- 1:08Speaker 1: because I myself went through financial recovery. I myself went
- 1:17Speaker 1: from being in groups to being an individual. I myself
- 1:21Speaker 1: am someone that has always been independent, self-sufficient and dominant.
- 1:27Speaker 1: And there are millions of other people that are not
- 1:30Speaker 1: independent because they choose to be independent. They're independent because
- 1:34Speaker 1: nobody took care of them when they were a kid
- 1:37Speaker 1: and they were forced to have to take care of
- 1:38Speaker 1: themselves in order to survive. So trying to go from
- 1:43Speaker 1: being independent to dependent is something for me that's almost,
- 1:46Speaker 1: excuse me, I'm under the weather, impossible for me to do.
- 1:51Speaker 1: So I wanted to start there. if you're interested in
- 1:53Speaker 1: being a guest on my podcast or you want one-on-one
- 1:56Speaker 1: coaching or you want to send me their Asha letters
- 2:00Speaker 1: about anything as far as, you know, financial that you
- 2:05Speaker 1: have questions about or some of you going through, or
- 2:08Speaker 1: you just want to just vent, you can email me
- 2:13Speaker 1: or also if you want me to promote any products
- 2:17Speaker 1: or basically, um, Support my channel. You can reach me
- 2:22Speaker 1: at ASHA.M-A-R-I-A-M-A That's ASHA.M-A-R-I-A-M-A 01 at gmail.com I'm a little
- 2:36Speaker 1: under the weather. I have a stuffy nose. I think
- 2:40Speaker 1: I'm coming down with something. I'm going to take some Theraflu.
- 2:42Speaker 1: I'm going to tell my mom I might be coming
- 2:44Speaker 1: down with something. But I got to go get my
- 2:46Speaker 1: blood pressure pills and stuff. So... I'm going to try
- 2:50Speaker 1: to get through this. Y'all, the hardest thing about this
- 2:55Speaker 1: situation with losing my father is we've been renovating the
- 2:58Speaker 1: house and we've been fixing up things and I haven't
- 3:03Speaker 1: been able to do my podcast because my headphones, even
- 3:08Speaker 1: though they are noise resistant, it still ain't helping. So
- 3:14Speaker 1: I decided to wait today. They're not here today. So
- 3:18Speaker 1: I got a chance to catch up on all my
- 3:19Speaker 1: podcasts today. So I'm sorry I haven't been able to
- 3:23Speaker 1: do podcasts. It isn't like, you know, the devil's playing
- 3:26Speaker 1: with me today. So it is what it is. But
- 3:30Speaker 1: today I want to talk about how I went from
- 3:35Speaker 1: losing a job to now building not only a travel agency,
- 3:39Speaker 1: but a coaching business to also a jewelry business and
- 3:44Speaker 1: eventually getting into holistic products eventually. Um, ever since I
- 3:50Speaker 1: was a kid, I was bullied my whole entire life,
- 3:55Speaker 1: even in jobs, even as an adult. Um, and then
- 3:59Speaker 1: having a child with autism and then trying to base
- 4:02Speaker 1: my schedule around his schedule was kind of hard to do,
- 4:09Speaker 1: especially when the kids don't have to go to school until,
- 4:13Speaker 1: be at school until 7.30 for breakfast. And then they
- 4:18Speaker 1: have to get out like three 30 and it's cool
- 4:22Speaker 1: when they're in daycare, but daycare is not cheap. And
- 4:26Speaker 1: when you don't have a voucher from social, from social services,
- 4:31Speaker 1: then daycare can be two, $ 300 a week. And that's
- 4:36Speaker 1: not cheap to put a child in daycare. Um, Then
- 4:42Speaker 1: most of your jobs start off between six o'clock in
- 4:45Speaker 1: the morning to like five, six o'clock in the evening.
- 4:49Speaker 1: And then when your child gets 12 years old, where
- 4:51Speaker 1: are they going to go? Who's going to watch them
- 4:53Speaker 1: when you get ready to get off work? Who's going
- 4:57Speaker 1: to put them on the bus when you got to
- 4:59Speaker 1: be at work at seven? You know, there's no equal
- 5:02Speaker 1: medium when it comes to having children and then trying
- 5:06Speaker 1: to be there. And then when you pick them up
- 5:09Speaker 1: from school, You have a couple of hours to help
- 5:12Speaker 1: them with homework. Pray to God at daycare they did
- 5:14Speaker 1: their homework. And if they didn't, then guess what? Not
- 5:18Speaker 1: only did you have a long day sitting in front
- 5:20Speaker 1: of a computer, now you got to help one or
- 5:23Speaker 1: how many kids you got with homework. And then try
- 5:28Speaker 1: to ask them how their day is and what they
- 5:30Speaker 1: did all day. And then you have to turn around
- 5:34Speaker 1: and wash dishes. If you got babies, then you have
- 5:38Speaker 1: to feed them bottles and play with them and hope
- 5:42Speaker 1: and pray to God they're going to be so tired
- 5:44Speaker 1: that they're just going to go to sleep. And then
- 5:46Speaker 1: if they get up four in the morning and you
- 5:48Speaker 1: got to be at work at seven or six o'clock,
- 5:51Speaker 1: you're going to be exhausted. So it's a lot when
- 5:57Speaker 1: it comes to being a mother in particular and then
- 6:02Speaker 1: trying to get them on the bus, take them to school,
- 6:06Speaker 1: and then trying to get to work on time. Then
- 6:08Speaker 1: you're stuck in traffic, not only on the way there,
- 6:10Speaker 1: but on the way back. And now we're in a
- 6:12Speaker 1: situation where gas may be an issue and we may
- 6:17Speaker 1: not be able to get back and forth to work.
- 6:21Speaker 1: So it's going to come down to trying to catch
- 6:24Speaker 1: the bus or Uber and that's going to be more expensive.
- 6:27Speaker 1: So the way the world was in the 70s, the 80s,
- 6:32Speaker 1: the 90s, And early 2000s up to 2015 were actually
- 6:40Speaker 1: the best times of our lives. But now, not so much.
- 6:45Speaker 1: So it used to be in jobs in the early
- 6:48Speaker 1: 90s and 80s, you got to work salary. And the
- 6:53Speaker 1: only way you could work a salary job is if
- 6:56Speaker 1: you basically worked there for like your probationary period for
- 7:00Speaker 1: six months or three months or however long your probationary
- 7:02Speaker 1: period was. You worked it. and then you were a
- 7:05Speaker 1: salary employee. Now, what is a salary employee? A salary
- 7:12Speaker 1: employee is not just your salary that you start off with,
- 7:17Speaker 1: like it is today. Salary is you made a certain
- 7:23Speaker 1: amount of money based on whatever the labor board, far
- 7:28Speaker 1: as that list said, that you're supposed to be, whatever
- 7:30Speaker 1: your starting point is. So if your starting point was, $ 38, 000
- 7:35Speaker 1: a year, then that's what you started off with. There
- 7:39Speaker 1: was no, you're going to make $ 13, $ 14 an hour. No,
- 7:43Speaker 1: this is what your salary is going to be. And
- 7:47Speaker 1: that's what that was. Okay. Now, if you had experience,
- 7:53Speaker 1: then you would make more money because you had experience.
- 7:56Speaker 1: It was never, they were going to make you go backwards.
- 7:59Speaker 1: Meaning that even if you lost your job, you still
- 8:03Speaker 1: would get paid Whatever your salary was from that other job.
- 8:08Speaker 1: So also with that, whatever, regardless of how much time
- 8:14Speaker 1: you took off, you still got paid. Well, guess what? Hourly,
- 8:20Speaker 1: you don't. You don't get paid hourly. Salary, you do
- 8:24Speaker 1: get paid. So if you have to go to a
- 8:26Speaker 1: doctor's appointment or you're sick, your salary did not change.
- 8:32Speaker 1: You still got paid. The salary that you were agreed to. Now, also,
- 8:42Speaker 1: you did work overtime. And no, you did not get
- 8:45Speaker 1: paid for overtime. But guess what? Your salary was more
- 8:50Speaker 1: than that. Was more than hourly. So you made more
- 8:55Speaker 1: than an hourly employee. Whereas an hourly employee would get
- 9:01Speaker 1: paid maybe $ 15 an hour. And they would actually get
- 9:06Speaker 1: paid less. So to make up the equivalent for what
- 9:11Speaker 1: you made in salary, you got to work overtime. And
- 9:15Speaker 1: that was only until you became a permanent employee. Meaning
- 9:20Speaker 1: that once you got off that probation, then you were
- 9:25Speaker 1: able to work salary. Well, salary employees got pissed off
- 9:30Speaker 1: about this and said to themselves, This isn't fair. How
- 9:34Speaker 1: are they getting overtime pay and we're not. Not understanding
- 9:39Speaker 1: that all of that was included in your salary. So
- 9:44Speaker 1: technically you were getting paid for overtime. It was just
- 9:51Speaker 1: included in your salary. So you were getting paid more
- 9:57Speaker 1: than an actual hourly employee. and they were so people
- 10:03Speaker 1: started complaining and thinking it wasn't fair that hourly employees
- 10:08Speaker 1: got overtime and some salary people were actually working 80
- 10:14Speaker 1: hours a week and not getting paid for that extra
- 10:19Speaker 1: overtime But to make up for that, you got a
- 10:25Speaker 1: month off. You got two weeks off. So for example,
- 10:31Speaker 1: if somebody worked 80 hours a week for about three,
- 10:35Speaker 1: four months, then they would give you two or three
- 10:40Speaker 1: weeks off. Yeah, that part. That's the part they weren't understanding.
- 10:45Speaker 1: They weren't grasping. They were actually getting two weeks off.
- 10:52Speaker 1: Three weeks off. So if they want to go on vacation,
- 10:56Speaker 1: if they wanted to go do something, they could because
- 10:59Speaker 1: they've been working 80 hours a week for about three
- 11:03Speaker 1: to six months. So they will give you a month
- 11:07Speaker 1: off to be able to use whenever you wanted to.
- 11:12Speaker 1: So you got that extra incentive. You also got sick leave.
- 11:18Speaker 1: You got maternity leave. You got holiday pay. So no
- 11:23Speaker 1: matter what, you were still getting paid extra money. So
- 11:30Speaker 1: most of these jobs knew working 80 hours a week,
- 11:34Speaker 1: you had to give salary employees some type of incentives
- 11:39Speaker 1: because they work 80 hours a week. That's why they
- 11:42Speaker 1: gave you a month off. That's why they gave you
- 11:45Speaker 1: time three to four weeks off to be able to
- 11:51Speaker 1: reset because they know you've been working 12-hour shifts for
- 11:55Speaker 1: like three months straight. So they'll say, we'll give you
- 12:00Speaker 1: a month off just to reset, knowing that. But salary
- 12:08Speaker 1: people didn't understand that. So when the late 90s came,
- 12:16Speaker 1: there was a vote to see whether or not we
- 12:20Speaker 1: kept salary employees or whether we kept hourly. Well, salary
- 12:24Speaker 1: employees picked hourly, which was the biggest mistake they could
- 12:29Speaker 1: have made. So when they started slowly stripping away salary
- 12:33Speaker 1: employees and making everybody hourly employees, these salary employees found
- 12:40Speaker 1: out quick, early, and fast why that was the biggest
- 12:43Speaker 1: mistake they made in their lives. They decided to do this.
- 12:51Speaker 1: And now they're paying for it. Because now a lot
- 12:55Speaker 1: of people like myself who worked in medical billing or
- 13:01Speaker 1: have a degree have been working in their professions for
- 13:06Speaker 1: over 10 years. And we go and apply for jobs
- 13:15Speaker 1: and we may have been working $ 24, $ 25 an hour
- 13:17Speaker 1: and yet These staffing companies. Because I'm going to go
- 13:23Speaker 1: back to those in a second. They're saying well no.
- 13:27Speaker 1: We're only going to be able to pay you $ 20.
- 13:29Speaker 1: My last job was $ 24 an hour. I'm not going backwards.
- 13:34Speaker 1: I'm not going to go from $ 24 an hour. To
- 13:36Speaker 1: $ 20 an hour. To $ 16 an hour. When I just
- 13:41Speaker 1: had a $ 24 job. I'm not going to do that.
- 13:46Speaker 1: That would be stupid. And that would be dumb for
- 13:47Speaker 1: me to do. So. That's pretty much what's going on
- 13:52Speaker 1: right now. A lot of jobs are low-balling people that
- 13:56Speaker 1: got 10 years of experience. These kids that are graduating
- 14:01Speaker 1: are still working jobs as if they work in restaurants,
- 14:05Speaker 1: as if they work in retail, or as if they
- 14:08Speaker 1: work in construction or something of that nature that doesn't
- 14:11Speaker 1: need a degree. So a lot of people are opting
- 14:15Speaker 1: out of college because they're like, what's the point when
- 14:19Speaker 1: the entry-level jobs are still the same as McDonald's. McDonald's
- 14:24Speaker 1: even went up to $ 15 an hour. Target even went
- 14:28Speaker 1: up to $ 15 an hour. There are certain states that
- 14:32Speaker 1: went up in minimum wage, but here's where the problem is.
- 14:36Speaker 1: The jobs that were already $ 15 didn't change. They did
- 14:40Speaker 1: not move their employees up to more money. They didn't
- 14:45Speaker 1: do it. So even though, yes, minimum wage went up,
- 14:51Speaker 1: But the people that were making above minimum wage, their
- 14:55Speaker 1: income didn't change. Their hourly rate didn't change. So then
- 15:00Speaker 1: it went from hourly to now you don't get a
- 15:04Speaker 1: raise every 30 to 90 days or 60 days. Now
- 15:11Speaker 1: it's cost of living expenses. So the cost of living
- 15:16Speaker 1: goes up. That's when everything else goes up. That's when
- 15:20Speaker 1: you get a raise. So for example, you used to
- 15:24Speaker 1: get a raise if you met your production. You used
- 15:28Speaker 1: to get a raise if, you know, say for example,
- 15:34Speaker 1: we got a certain amount of claims that came back paid.
- 15:38Speaker 1: We got bonuses for that. Back in the day, bonuses
- 15:42Speaker 1: used to didn't be taxed either. Now your bonuses are taxed.
- 15:46Speaker 1: So then come the end of the year, you're now
- 15:49Speaker 1: paying taxes now. Because you are over what you're supposedly
- 15:54Speaker 1: supposed to make. And when it comes to taxes, you
- 15:58Speaker 1: make more than what you normally make. You're going to
- 16:03Speaker 1: be paying taxes. And that's the part that a lot
- 16:06Speaker 1: of people don't understand. Then, you know, you go into
- 16:11Speaker 1: work every day. You got a bunch of employees that
- 16:16Speaker 1: are bullying people. You have supervisors that do not train
- 16:20Speaker 1: employees The co-workers do. So they're not even training you.
- 16:27Speaker 1: Back in the day, your manager had to train you
- 16:30Speaker 1: or what they did was they had somebody that was
- 16:34Speaker 1: hired to train the employees and they would all be
- 16:37Speaker 1: trained at the same time. And what they would do
- 16:41Speaker 1: is they would train you how to do that job
- 16:45Speaker 1: and then your manager would stay with you and would
- 16:48Speaker 1: train you on you know they will give you a
- 16:52Speaker 1: test to see what you knew and if you didn't
- 16:55Speaker 1: pass it then you had to take it again take
- 16:57Speaker 1: the class again and you only had three times to
- 17:00Speaker 1: take it then your manager will be the one that
- 17:04Speaker 1: will work with you for like about two or three
- 17:06Speaker 1: weeks just to make sure you know how to do
- 17:09Speaker 1: the job and then they put you on the floor
- 17:13Speaker 1: and they will have somebody besides you to make sure
- 17:17Speaker 1: that you're settled in for like about a week But
- 17:19Speaker 1: then you were on your own after that. But it
- 17:22Speaker 1: was like six weeks of training. Now you only get
- 17:25Speaker 1: a week of training, two weeks training. You're on the floor.
- 17:30Speaker 1: That's crazy. So every job is different. Every company is different.
- 17:38Speaker 1: So even though you may be doing the same job,
- 17:39Speaker 1: that don't mean that the way they go about it
- 17:42Speaker 1: is the same. Because it ain't. Every one of them
- 17:45Speaker 1: is different. You may have to learn a whole new software.
- 17:50Speaker 1: So that plays a part too. Then not only that,
- 17:55Speaker 1: you always got somebody watching you. You have somebody listening
- 17:59Speaker 1: to your recordings, which I really don't care about. But
- 18:03Speaker 1: then it's like you only get 30 minutes to go eat.
- 18:07Speaker 1: Who can eat within 30 minutes? We used to get
- 18:10Speaker 1: hour lunches. Now you only get 30. So you don't
- 18:15Speaker 1: have time to go all the way back. to the
- 18:19Speaker 1: other side of town and go get something to eat,
- 18:21Speaker 1: especially if your actual building is nowhere near a restaurant.
- 18:27Speaker 1: So now you got to bring something from home. So
- 18:29Speaker 1: now you got to cook before you can go to work.
- 18:36Speaker 1: But now you got to basically buy Uber Eats and
- 18:40Speaker 1: Uber Eats ain't cheap. And then not only that, you
- 18:45Speaker 1: have a certain amount of time to eat before they
- 18:46Speaker 1: throw it out, especially the kitchen people. And the cleaning people,
- 18:49Speaker 1: they will throw it out. Then you got to worry
- 18:52Speaker 1: about a bunch of gossiping. You got to worry about
- 18:55Speaker 1: people talking about you behind your back. And I remember
- 18:59Speaker 1: one job I had found out that they were not,
- 19:06Speaker 1: as far as the NDC numbers, checking the NDC numbers
- 19:09Speaker 1: for shots. And this company was losing millions of dollars.
- 19:13Speaker 1: I caught it. So I was basically the person that
- 19:17Speaker 1: was trying to make sure that I could get as
- 19:21Speaker 1: many of these shots paid as possible with the NDC numbers.
- 19:26Speaker 1: Some of them did get, a lot of them did
- 19:28Speaker 1: get paid. A lot of them did not. They lost
- 19:31Speaker 1: a lot of money, but I was the one that
- 19:33Speaker 1: caught it and I was a new employee. But when
- 19:37Speaker 1: headquarters was going to get involved, I got sick. Got sick,
- 19:41Speaker 1: was out for about a week. Next thing I know,
- 19:44Speaker 1: when they told my staff and company that They didn't
- 19:48Speaker 1: want me to come back. the staff and company thought
- 19:51Speaker 1: it was odd. I had a doctor's note saying that
- 19:55Speaker 1: I got sick and how long I was going to
- 19:58Speaker 1: be out. And they was like, well, she has a
- 20:02Speaker 1: doctor's note. She had the flu. And they don't want
- 20:05Speaker 1: you coming in if you're sick in any way, shape,
- 20:08Speaker 1: or fashion. They don't want nobody else, you know, getting
- 20:10Speaker 1: sick in the medical field. So if you're out, they
- 20:13Speaker 1: want you to be out. That's just all there is
- 20:15Speaker 1: to it. So when they asked them, why did I
- 20:18Speaker 1: lose my job? They said, well, she doesn't socialize. Come
- 20:24Speaker 1: to find out that wasn't even why. I lost my
- 20:28Speaker 1: job because the headquarters was about to come down there
- 20:32Speaker 1: and speak to me on how I found it. Then
- 20:35Speaker 1: the way I was doing my notes, the fact that
- 20:37Speaker 1: my notes were so thorough, they saw all of this
- 20:43Speaker 1: and realized something had changed. So yeah, they got me
- 20:46Speaker 1: going before that happened. When I used to work at
- 20:50Speaker 1: another company, which was a cell phone company, I remember
- 20:55Speaker 1: when there was somebody trying to get a bunch of
- 21:00Speaker 1: cell phones. It wasn't just one. It was like a
- 21:03Speaker 1: bunch of cell phones. And I kept looking and noticing
- 21:05Speaker 1: that they were calling to get cell phones. There was
- 21:10Speaker 1: an investigation done. Come to find out these people were
- 21:13Speaker 1: actually getting phones and selling them outside of the United States.
- 21:19Speaker 1: So it was a ring going on, cell phone ring
- 21:23Speaker 1: going on. And they were basically pretty much trying to
- 21:25Speaker 1: get cell phones. And if I wouldn't have read the notes,
- 21:29Speaker 1: I would have never known. The president of the company
- 21:32Speaker 1: came to me and he said he thanked me for
- 21:35Speaker 1: the fact that I did that. But I told him
- 21:38Speaker 1: I was leaving because I had just got my degree
- 21:40Speaker 1: in medical billing and I had got another job making
- 21:42Speaker 1: more money. So the fact that these jobs don't understand
- 21:48Speaker 1: that if people are not paid enough to pay their
- 21:51Speaker 1: bills and then they have to deal with managers that
- 21:54Speaker 1: put all these expectations on them, but you're not the
- 21:57Speaker 1: one to train me. You're not a person that trained me.
- 22:01Speaker 1: You got managers that think they can talk to people
- 22:03Speaker 1: any kind of way. Now, I understand you do want
- 22:06Speaker 1: to make it so your employees will respect you. I
- 22:15Speaker 1: get it. But at the same time, when you sit
- 22:19Speaker 1: up here and talk at people instead of to people,
- 22:22Speaker 1: that's a problem. Now, I'm not saying there are people
- 22:24Speaker 1: out here that ain't ignorant, stupid, and dumb. That's not
- 22:28Speaker 1: ghetto and ratchet. I'm not going to say that. But
- 22:30Speaker 1: at the same time, you have to be able to
- 22:34Speaker 1: talk to your employees in a way they don't feel disrespected.
- 22:38Speaker 1: And at the same time, that respect also has to
- 22:41Speaker 1: be reciprocated. You do not want to be a pushover.
- 22:45Speaker 1: So I understand that. And I was a manager for
- 22:47Speaker 1: eight years at a bowling alley. And I lost my
- 22:51Speaker 1: job because I could not get to the training for
- 22:55Speaker 1: the alcohol situation. They told me I could not go
- 22:59Speaker 1: back to work. But then there were other people that
- 23:01Speaker 1: not only did not take it, but also were still working.
- 23:07Speaker 1: And I was the only one that was not. So
- 23:09Speaker 1: I ended up leaving that job. So I have left
- 23:13Speaker 1: many jobs because of the way I was treated in
- 23:18Speaker 1: those jobs. I left jobs because there were no advances
- 23:24Speaker 1: to be able to become a manager. There was no growth.
- 23:29Speaker 1: There was no medical benefits. And then from 2016 to now,
- 23:36Speaker 1: majority of the jobs I worked with staffing companies where
- 23:40Speaker 1: it was really about cleaning up the mess and then
- 23:43Speaker 1: letting you go once they do. It was never about
- 23:46Speaker 1: bringing you on permanent. I have staffing companies that call
- 23:50Speaker 1: me to this day. They'll like me. But then when
- 23:55Speaker 1: I have these interviews with these managers, they never hire me.
- 23:59Speaker 1: And now that DEI is gone, they don't have to
- 24:04Speaker 1: hire black people. They don't want to. They ain't got
- 24:07Speaker 1: to do none of that. They don't want to. And
- 24:08Speaker 1: I'm an African-American woman. So at the end of the day,
- 24:14Speaker 1: when I lost my last job in October because they
- 24:19Speaker 1: got rid of our department, what was even more crazy
- 24:22Speaker 1: was they told us they were not going to get
- 24:24Speaker 1: rid of our department. They told us they were going
- 24:27Speaker 1: to keep our department, but they were going to get
- 24:28Speaker 1: rid of... Physicians billing. And they were going to transition
- 24:32Speaker 1: over to. Hospital billing. But instead of training us. In
- 24:37Speaker 1: hospital billing. Like they did physicians billing. They never did.
- 24:41Speaker 1: They just stuck us there. And then the next thing
- 24:44Speaker 1: we know. They're saying they're gutting our department. They don't
- 24:48Speaker 1: have enough office. Hospital billing clients. And they had to
- 24:53Speaker 1: let us go. They gave us severance pay. But. They. Unfortunately,
- 25:02Speaker 1: let me go. And the guy said, well, you're taking
- 25:04Speaker 1: it mighty well. I said, well, how am I supposed
- 25:07Speaker 1: to take it? I mean, you fired me. I mean,
- 25:12Speaker 1: not because I did something wrong, but you decided to
- 25:16Speaker 1: lay me off. We're still being fired. You let me go.
- 25:20Speaker 1: Begging is not going to change nothing. Trying to get
- 25:24Speaker 1: some type of understanding as to why doesn't matter. The
- 25:27Speaker 1: point is you made a choice. And that was it.
- 25:31Speaker 1: And then I found another job at another company in
- 25:35Speaker 1: the same month and started in November. No. What's it? No,
- 25:41Speaker 1: I lost my job in August, and then October I
- 25:43Speaker 1: got the other job. I think it was September, and
- 25:46Speaker 1: then October I got another job. And I worked that
- 25:50Speaker 1: one until January. They told us the same thing. But
- 25:53Speaker 1: then they said they didn't have enough work for us,
- 25:55Speaker 1: and they had to let us go. And I'm like, okay.
- 25:58Speaker 1: And again, he said, you're taking it mighty well. How
- 26:01Speaker 1: else am I supposed to take it? You, you're letting
- 26:05Speaker 1: me go. So when somebody is so used to, no
- 26:11Speaker 1: matter what they do, no matter how hard they work,
- 26:14Speaker 1: no matter how they reach production, they're still being told
- 26:19Speaker 1: they're being let go. Not because they did anything wrong,
- 26:22Speaker 1: but just because of whatever reason. There's not really much
- 26:28Speaker 1: you can do. And then when people say, I don't
- 26:32Speaker 1: want to work no more, or when they say, I
- 26:34Speaker 1: don't want to go to work and they wake up
- 26:37Speaker 1: and they're dreading it, that right there telling you it's
- 26:41Speaker 1: time for you to build something of your own. So
- 26:45Speaker 1: what was funny was I met this girl a few
- 26:48Speaker 1: years back at a job that I had and she sold,
- 26:53Speaker 1: she was selling wigs and everything. She said it on
- 26:58Speaker 1: a thing about it. And so she and I were
- 27:02Speaker 1: working together. The next thing I know, she lost her job.
- 27:04Speaker 1: I was like, wow. So you don't never tell a
- 27:10Speaker 1: company that you have your own company. And then these
- 27:13Speaker 1: non-compete clauses where they say, you cannot take the clients
- 27:19Speaker 1: that you created from that job over to your new job. Well,
- 27:24Speaker 1: it's not really up to you or that person. It's
- 27:27Speaker 1: really up to the client. If that client like that person,
- 27:32Speaker 1: they're going to go over there non-complete, non-compete clause or not.
- 27:37Speaker 1: They're still going to go over there. You can't stop
- 27:40Speaker 1: people from going to another company if the person they
- 27:44Speaker 1: like working with in physical therapy or counseling or whatever
- 27:50Speaker 1: it is, is going to start their own practice. Those
- 27:53Speaker 1: people going over there. They're going to go over there
- 27:56Speaker 1: whether you want them to go or not. So the
- 27:59Speaker 1: non-compete clause really doesn't really matter if that person is
- 28:03Speaker 1: going to go over there anyway. You can't stop that
- 28:06Speaker 1: person from going with that other person. If they say
- 28:09Speaker 1: they're leaving and this person's like, well, where are you going?
- 28:13Speaker 1: You have the right to tell them that you're going.
- 28:16Speaker 1: You have the right to exchange phone numbers for them
- 28:20Speaker 1: to be able to reach you. And then when these
- 28:23Speaker 1: people are asking where did the other person go, you
- 28:26Speaker 1: don't want to tell them, but they find out anyway.
- 28:29Speaker 1: They're going to find out. So if that person gives
- 28:34Speaker 1: these people their personal phone number for them to get
- 28:37Speaker 1: in touch with them because they want them to be
- 28:40Speaker 1: able to keep in touch and it just so happened
- 28:42Speaker 1: they decided to go over there, there ain't nothing you
- 28:45Speaker 1: can do about it. Now, no, you cannot give your
- 28:48Speaker 1: business card out while you're working for another company. No,
- 28:51Speaker 1: you can't do that. That would be wrong. But if
- 28:54Speaker 1: it's your last week and you get ready to leave
- 28:57Speaker 1: and they decide they want your phone number to call you,
- 29:01Speaker 1: then they have the right to ask for that. You
- 29:03Speaker 1: can't tell them that you can't give them your phone number.
- 29:07Speaker 1: So that way they know where you're going and decide
- 29:09Speaker 1: to go over there. They didn't do nothing wrong and
- 29:13Speaker 1: you can't sue somebody. That's why they got rid of
- 29:14Speaker 1: the non-capitalist clause. because technically you can't do that you
- 29:19Speaker 1: really can't so i say all of that to say
- 29:23Speaker 1: this there are many people right now they're in the
- 29:27Speaker 1: same position that i am that's been out of work
- 29:30Speaker 1: since 20 2019 when covid start still haven't been able
- 29:36Speaker 1: to find a job there are people that's moving out
- 29:39Speaker 1: of the united states going abroad. There are people right
- 29:44Speaker 1: now that are starting businesses and starting brands and doing
- 29:48Speaker 1: what I'm doing right now. But before you do, take
- 29:53Speaker 1: a moment to just be. Take a moment to Just sit.
- 30:01Speaker 1: Sit for a little bit. I ain't saying sit forever.
- 30:05Speaker 1: But sit for a little bit. Because I had to.
- 30:07Speaker 1: I had to sit for a little bit. Because. It
- 30:15Speaker 1: is scary not having a job. Especially if you got bills.
- 30:17Speaker 1: And you got kids. And you got a wife. And
- 30:19Speaker 1: you got a family. Or you don't have a man.
- 30:23Speaker 1: And you're doing it by yourself. No. It's not easy.
- 30:27Speaker 1: And you should always have. a place to land. That's
- 30:31Speaker 1: just something that's important. If you don't have a place
- 30:34Speaker 1: to land, then that's a very serious problem. A lot
- 30:37Speaker 1: of people do not have a place to land and
- 30:38Speaker 1: they do not have a safety net. But also what
- 30:41Speaker 1: was different for me than these other jobs was the
- 30:46Speaker 1: fact that you only get unemployment as far as $ 275
- 30:50Speaker 1: in the state of Florida, regardless of what you make.
- 30:55Speaker 1: So regardless of what you made within that time, You
- 30:58Speaker 1: only get $ 275. That is crazy to me. And they
- 31:05Speaker 1: do not include what you made from the other jobs
- 31:10Speaker 1: prior to that. No, they don't do that. They don't.
- 31:16Speaker 1: So you don't even get the unemployment you're supposed to get.
- 31:22Speaker 1: You only get $ 275 a month. in unemployment until it
- 31:28Speaker 1: stops and then you have to reapply the crazy part
- 31:32Speaker 1: about all of this is the fact of the matter
- 31:38Speaker 1: that um people can go and look for a job
- 31:47Speaker 1: all day but that don't mean they're gonna get it
- 31:51Speaker 1: and so then they want to come in and they
- 31:53Speaker 1: say well what are you doing wrong Why haven't you
- 31:57Speaker 1: got a job? They look at your resume and they'll
- 32:01Speaker 1: say your resume looks fine. How are you going into
- 32:04Speaker 1: the interview? Dressed up. Then they do the interview with
- 32:08Speaker 1: you and they're like, well, I don't understand why you're
- 32:11Speaker 1: not getting a job because I have too much experience.
- 32:14Speaker 1: That's why. So does it make it right? The fact of,
- 32:22Speaker 1: you know, certain things? No, it don't. But at the
- 32:27Speaker 1: end of the day, when it comes down to transitioning
- 32:36Speaker 1: from working a regular nine to five job to building
- 32:38Speaker 1: a business, I would suggest you keep your job while
- 32:42Speaker 1: you do. But if you lose your job, start sitting down,
- 32:47Speaker 1: figuring out what you want to do. That has nothing
- 32:51Speaker 1: to do with a job, has nothing to do with
- 32:53Speaker 1: your degree. What are you good at? Are you good
- 32:55Speaker 1: at writing? Are you good at being a mechanic? Are
- 32:58Speaker 1: you good at... What is your natural talent? That's what
- 33:01Speaker 1: you want to make money off of, your natural talent.
- 33:04Speaker 1: What it is that you're good at. You want to
- 33:07Speaker 1: take some business courses if they have them. Take it.
- 33:11Speaker 1: If you want to go back to school, go back
- 33:12Speaker 1: to school. But take something and do something that you
- 33:16Speaker 1: are passionate about. If you want to become a singer,
- 33:20Speaker 1: take vocal classes. Make sure you have a safety net.
- 33:25Speaker 1: Make sure you take some money, put it to the side,
- 33:29Speaker 1: just in case you do lose a job and you
- 33:30Speaker 1: got money to basically pay your bills for a while
- 33:33Speaker 1: while you're doing it. Don't just, because you go back
- 33:36Speaker 1: to work, spend money when you really need that money.
- 33:41Speaker 1: So me making the decision not to go back to
- 33:43Speaker 1: work was not easy. It wasn't. But it was something
- 33:47Speaker 1: I felt that I needed to do because I got
- 33:49Speaker 1: tired of doing everything the way I'm supposed to and
- 33:52Speaker 1: still being fired. Still being laid off. Still worrying about
- 33:56Speaker 1: whether I'm going to take care of my child. Tired
- 33:59Speaker 1: of working jobs where I'm sitting in front of a computer.
- 34:02Speaker 1: Feel like I'm being micromanaged. Tired of making other companies money.
- 34:08Speaker 1: And I'm barely making enough to pay my bills. My
- 34:12Speaker 1: father passed away. Finally now he was paying taxes on
- 34:16Speaker 1: his retirement. And you can't get social security if you're
- 34:20Speaker 1: over the age of 18. You can't even get your
- 34:24Speaker 1: parents social security. The only thing you can get is
- 34:27Speaker 1: their insurance policy. That's it. Now my son can get
- 34:33Speaker 1: mine and his dad's social security because he's autistic. So
- 34:41Speaker 1: he can get my social security and his dad's social security.
- 34:46Speaker 1: But it will be split. Well, his kids can't get it,
- 34:49Speaker 1: but my son can. And I got to make sure
- 34:52Speaker 1: I let him know that. But At the end of
- 34:55Speaker 1: the day, like I said, you know, we don't prepare
- 34:59Speaker 1: ourselves when we get older about what will happen. We
- 35:03Speaker 1: don't get life insurance when we're in our 20s, which
- 35:06Speaker 1: we should. I feel like that when babies are born,
- 35:10Speaker 1: they should get life insurance. You should put life insurance
- 35:14Speaker 1: on your children just in case something happens. You should
- 35:18Speaker 1: have things in place if something happened to you so
- 35:21Speaker 1: your kids don't have to struggle. I think that we
- 35:23Speaker 1: should create stuff for our children based on their talent,
- 35:26Speaker 1: as far as businesses, or money for them to be
- 35:30Speaker 1: able to create something of their own, making them take
- 35:34Speaker 1: business classes in high school, business in college, even if
- 35:37Speaker 1: they are going to play pro or whatever they're going
- 35:39Speaker 1: to do. They have business acumen, learning critical thinking, common
- 35:45Speaker 1: sense and common judgment, morals, values, principles, and ethics. That's also,
- 35:50Speaker 1: I think, is important. So at the end of the day,
- 35:56Speaker 1: there are millions of people out here that's homeless. There
- 35:59Speaker 1: are millions of veterans that do not know that they
- 36:03Speaker 1: need to change their benefits to 100%. My father did
- 36:08Speaker 1: not do that. He did not change his benefits to
- 36:12Speaker 1: 100% even though he was qualified for it. There were
- 36:16Speaker 1: many things my father was qualified for that he did
- 36:18Speaker 1: not take advantage of. Make sure that your parents have
- 36:24Speaker 1: things in place where they do have properties. Somebody is
- 36:28Speaker 1: going to be able to speak if anything happens. Not
- 36:32Speaker 1: only that, you do not necessarily have to do an
- 36:34Speaker 1: estate if your parents don't have enough to put into
- 36:40Speaker 1: an estate. Sometimes you can do an allocation within two years.
- 36:45Speaker 1: So if you want to sell the house, if you
- 36:47Speaker 1: want to sell whatever, You have the right to do
- 36:50Speaker 1: that and you don't have to worry about it. Not
- 36:53Speaker 1: only that, don't let everything be on your shoulders because
- 36:57Speaker 1: you're a responsible person. Don't let everything be on your shoulders.
- 37:03Speaker 1: So at the end of the day, like I said,
- 37:06Speaker 1: you're going to have people that's going to have a
- 37:09Speaker 1: lot to say about a lot of things. But what
- 37:13Speaker 1: is important is that your happiness begins and ends with you. So, yes,
- 37:20Speaker 1: the world is going to make it seem like you're
- 37:23Speaker 1: going to be panicking about everything. But if your faith
- 37:27Speaker 1: in God does not waver, you're going to be okay.
- 37:31Speaker 1: And as somebody who lost my jobs multiple times, I,
- 37:37Speaker 1: in the beginning, worried. Now I don't. I know I'll
- 37:40Speaker 1: be okay because God has something better planned for me.
- 37:46Speaker 1: It's just I got to be able to embrace that.
- 37:49Speaker 1: And that's the hardest thing when we finally have to
- 37:51Speaker 1: embrace the path that God put us on. And we
- 37:56Speaker 1: have to finally realize we should never went off of
- 37:59Speaker 1: it in the first place. Everything we go through will
- 38:02Speaker 1: take us back to the place that we should have
- 38:05Speaker 1: been in the first place. And you finally say, you
- 38:10Speaker 1: know what? I'm finally going to do what I love.
- 38:13Speaker 1: I'm finally going to just enjoy life. I'm just going
- 38:17Speaker 1: to work out because I want to. I'm going to
- 38:20Speaker 1: make money and I'm going to do it this way
- 38:23Speaker 1: instead of working with somebody else. Now, that don't mean
- 38:26Speaker 1: you don't need help. It don't mean that you're not
- 38:28Speaker 1: going to need people to help you. That's not what
- 38:30Speaker 1: it means. It just means that when you are on
- 38:33Speaker 1: this journey of figuring out what the next phase of
- 38:35Speaker 1: your life is going to look like, what the new
- 38:38Speaker 1: things that you're going to do, that's what you're going
- 38:40Speaker 1: to be doing while you're not working. You're going to
- 38:44Speaker 1: say to yourself, the next time I get a job,
- 38:47Speaker 1: I'm going to build something. The next time I get
- 38:49Speaker 1: a job, I'm going to create something where I don't
- 38:51Speaker 1: have to work for nobody no more. I'm going to
- 38:54Speaker 1: do something where I'm going to become this new version
- 38:57Speaker 1: and I'm leaving this behind. I'm going to have something
- 39:00Speaker 1: where nobody can take it from me. I'm going to
- 39:03Speaker 1: have something where I'm going to continue to make money.
- 39:06Speaker 1: Because when people buy your business, there's a lot of
- 39:08Speaker 1: people that sell their businesses and they're still working for
- 39:11Speaker 1: the company for five more years. So you're still working
- 39:14Speaker 1: for a company that basically you created. Which is stupid.
- 39:17Speaker 1: I mean, I don't get it. But I digress. At
- 39:20Speaker 1: the end of the day, do what works for you.
- 39:23Speaker 1: Do what makes you happy. Do what brings you joy.
- 39:26Speaker 1: And no, it's not easy not having a job. But
- 39:30Speaker 1: when your business booms, when your business becomes successful, when
- 39:35Speaker 1: your business basically blows everything out of the water, it's
- 39:39Speaker 1: going to be worth it. When you're able to have
- 39:42Speaker 1: money to go to the doctor, you're going to have
- 39:44Speaker 1: money to be able to travel and do what you
- 39:46Speaker 1: want to. It makes all of what you went through
- 39:49Speaker 1: before worth it. So with that being said, that's all
- 39:53Speaker 1: I want to say today. So thank you all for
- 39:54Speaker 1: joining me for this episode. I hope my story inspires
- 39:58Speaker 1: you to create something that is of your own. Build
- 40:02Speaker 1: something that is of your own. Do something that is
- 40:06Speaker 1: going to make you proud. Do something where you work
- 40:09Speaker 1: less hours and make more money. And there are ways
- 40:13Speaker 1: you can make less hours and make more money. where
- 40:16Speaker 1: you can pick your kids up from school, drop them
- 40:19Speaker 1: off from school, help them with homework. Matter of fact,
- 40:22Speaker 1: you can even pick them up early. You have time
- 40:25Speaker 1: to clean your house. You got time to go work out.
- 40:28Speaker 1: You got time to do the things that you want
- 40:31Speaker 1: to do. Still work your few hours. So, for example,
- 40:34Speaker 1: if you're someone that's going to start making jewelry like
- 40:37Speaker 1: I am, you have time to create. You have time
- 40:40Speaker 1: to sit down and write a book. You got time
- 40:43Speaker 1: to do podcasting. do social media. You have time to
- 40:48Speaker 1: do the things that you want to do. You have
- 40:51Speaker 1: time to be able to live your life. You have
- 40:53Speaker 1: time to go for a walk. You have time to
- 40:56Speaker 1: go take a nap. So you do not have to
- 40:59Speaker 1: spend eight hours in a building, eight hours in front
- 41:04Speaker 1: of screens and then turn around, get in your car
- 41:07Speaker 1: and try to drive home in a bunch of traffic.
- 41:11Speaker 1: Now you have AI that's taking over these jobs now.
- 41:18Speaker 1: Pretty soon a lot of people are going to be
- 41:19Speaker 1: out of work and they're not going to have no
- 41:21Speaker 1: way to work. And now you have to find another
- 41:24Speaker 1: way to make money now anyway. So all this time
- 41:27Speaker 1: you've been working nine to five jobs to just now
- 41:31Speaker 1: be out of a job where you got to figure
- 41:35Speaker 1: out how to make money. So we were already in
- 41:38Speaker 1: this predicament a long time ago. It's just now It's
- 41:42Speaker 1: out there now. So that's why I say, you know,
- 41:46Speaker 1: financial recovery is way different than any of the recoveries
- 41:51Speaker 1: that you go through. Healing from financial ruin, healing from
- 41:56Speaker 1: financial disaster, healing from losing your job, healing from being homeless,
- 42:03Speaker 1: healing from, you know, constantly losing jobs, being bullied in
- 42:08Speaker 1: a job, not making enough to pay your bills. Yeah.
- 42:12Speaker 1: Healing and recovery is a part of that too. So
- 42:15Speaker 1: don't think that you're not healing and recovering from financial
- 42:18Speaker 1: because you are. Delight your healing and recovery internally and
- 42:22Speaker 1: externally as far as health and wellness. You're healing and
- 42:24Speaker 1: recovering when it comes to mental health, psychological health, emotional health.
- 42:30Speaker 1: When it comes to relationships, self-esteem, self-worth, self-value, self-respect, you
- 42:35Speaker 1: not believe in yourself when no one else does. Those
- 42:39Speaker 1: are all things you're recovering from. When you're recovering from,
- 42:43Speaker 1: you know, you lost weight and then gained weight back,
- 42:48Speaker 1: divorce is recovery. Anything that happens to you negatively, regardless
- 42:56Speaker 1: of what it is, you're recovering from it. You're healing
- 42:59Speaker 1: from it. And you may even have addictions, fears, insecurities, doubts.
- 43:07Speaker 1: You're questioning, what did I do wrong? How did I
- 43:10Speaker 1: get here? That's all part of the healing process. But
- 43:14Speaker 1: I don't know why people think that we don't go
- 43:16Speaker 1: through financial healing and recovery because we do. We all do.
- 43:21Speaker 1: There's not one person that doesn't. And billionaires are going
- 43:25Speaker 1: to go through it because, yes, AI is going to
- 43:28Speaker 1: take over a lot of jobs. What's going to happen
- 43:31Speaker 1: if there's no employees that can buy anything? If employees
- 43:35Speaker 1: can't buy anything, billionaires don't make money. But that's the
- 43:39Speaker 1: primary reason why they're putting their facilities in other countries.
- 43:45Speaker 1: That's the whole reason that they're going into these other
- 43:49Speaker 1: countries the way they are. And there's a different type
- 43:52Speaker 1: of war that's going on besides the war in Iran
- 43:57Speaker 1: and the Ukraine. There's another war where American businessmen are
- 44:03Speaker 1: going to these third world countries and and building resorts,
- 44:07Speaker 1: and building things, and what people don't understand is that
- 44:11Speaker 1: is the same way they did in the United States
- 44:13Speaker 1: when it came to the Indians, but that's a whole
- 44:15Speaker 1: other conversation that we can talk about later. So again,
- 44:19Speaker 1: sometimes people don't just out the gate attack you. Some
- 44:24Speaker 1: people just start by putting something in your mind, building something,
- 44:31Speaker 1: and that's how it begins. And then the next thing
- 44:34Speaker 1: you know, You're caught out there. So they ain't stupid.
- 44:39Speaker 1: They know what they're doing. So with that being said,
- 44:42Speaker 1: I think that's it for me. I want to thank
- 44:44Speaker 1: y'all for joining me for this episode. Hopefully they'll be
- 44:47Speaker 1: done with renovation soon. And I can finally start doing
- 44:50Speaker 1: my podcast on a regular basis. But I have some
- 44:52Speaker 1: interviews coming up that I can't wait for y'all to hear.
- 44:55Speaker 1: So I'm Asha Mariyama. And until next time, I'll see
- 44:59Speaker 1: you guys later. Bye.