[Christy]

So you going from finance, teaching to finance to real estate to making pottery. What was the fourth one?

[Guest 2]

No, no, no. No, okay. I am a teacher. I have a teaching license. I’m leaving teaching. That’s done. I wrote a resignation letter a while back. I have a MBA. So I'm looking in the realm of finance because I am also a real estate agent, which I have been for years to supplement the teaching income. So to combine those things, my knowledge, I want to be in finance, right? And that's where the real estate and tax professional come together. Because real estate and tax overlaps a lot.

[Christy]

So the people who you talking to, looking at you like, I'm looking at you right now, huh?

[Guest 2]

Yep.

[Christy]

They're confused.

Welcome everyone to Money Loves Happy People. I am your host, Christy Rutherford. Welcome to my podcast. All right, so what I really want to talk about and what I really want to create is a new conversation in the market with regards to what's possible for high achieving women. So many times we're buying it, to the narrative that there is not enough, we're not enough, we can't get ahead in all these things, is simply not true. It's simply the belief system that you've adopted based on the limitations of other people. But that doesn't have to be true for you. As we're moving through this podcast and as I'm moving through the information, I'm going to share some insight, and then I'm also gonna take some questions from women who have challenges. Men, you should have showed up to ask these questions, but these are women asking the questions.

So the first thing that I wanna talk about is How To Get A Raise. How to get a raise is searched 9.2 billion times a month. A month, 9.2 billion times. People wanna know how do they get a raise. So I wanna share five points with you today. I'm gonna share three now, and then I'm gonna share two later. So the first point getting clear and honest on how you're showing up. I know you wanted me to talk about how to ask for a raise, how to negotiate, but that's not true. The real problem to solve for is, are you being honest about how you're showing up? Do you truly believe that you can get more money? Do you think that you deserve more money? And are you showing up angry, bitter, resentful, and you're getting opportunities locked or closed out of doors and rooms that are available to you, but you can't get in them because you don't necessarily have the pleasing personality that's going to allow people to invite you into their circle. Clarity and honesty on how you're showing up. Number one. Number two, owning your value. Three, building relationships with decision-makers.

Let's talk about number one, how are you showing up at work? Are you showing up at work being dependable, but you don't feel like you deserve it? Are you dependable but undeserving? A lot of women that I've talked to have resigned themselves to the fact that they don't really believe that they not can't make more money, that they actually deserve more money. They don't think that they deserve more money because they didn't grow with a lot of money. So they should be grateful for what they have today. Or they grew up with a lot of money, and then they feel guilty for having money in the past, and they're self-sabotaging in the present. Are you dependable, and you're working three times as hard for half the pay? That should not be normal. That is not true. That is a myth. That is a lie that you've adopted to be able to complain about circumstances that you can change.

How are you showing up? I talk about it all the time. I would rather have a hungry white guy on my team than a bitter, a resentful sister or woman. Any day is not necessarily a popular stance. They say, Chris, you should open the door. I do, but I'm busy too. I'm getting harassed too. I'm getting beat up too. I can't resuscitate you, sis. I like you, though. I'm one of 50 black female officers out of 47,000 people. I had challenges. I've been through it at the senior level. I have nothing left to give. I can't resuscitate you. I can't open the door for you if you won't come in and be a problem. I can't open the door for you if I got to drag you through the door and do the work on you and make you a fixer-upper. I personally don't have the capacity to do it, but I'm the one that's supposed to be responsible for it. I don't have it.

I got some hungry guys that were on my team of actually different nationalities. I got the hungry brother on my team. I'm picking before I pick you. I got the hungry white guys, and they are amazing rock stars to this day. I talk to them to this day. I will pick them over you any day. So imagine if I'm going to do that. Not because I'm trying to cross the system, but I'm going through it too. I can't help you if I'm on fire. I can't put your fire out if I'm on fire if you're on my team. So don't make other people responsible for saving you from something that you should be saving yourself from. Don't look for your job to be able to help you manage your mental health. They're not responsible because they're crazy too. You can't keep looking for your leadership team to be responsible for you maintaining your mental health.

There's this whole movement that is going on right now where it says managers should be responsible for their people's mental health, lah, cuz the managers are going through it too. They got moms with Alzheimer's too. They have kids with autism too. They got trifling spouses at home that's spending all that money too. They're not responsible. They're going through stuff too. They have challenges too. You are solely responsible for your mental and physical health. I don't care what lie you telling yourself. I don't care what articles you've read. Women are dying in jobs from preventable medical conditions that had they just taken the reins to their own lives and stopped surrendering it to other people who aren't responsible for it, and they don't care. They have died waiting for the calvary to come, waiting for a DEI policy be enacted, waiting for their managers to act like they got some sense, waiting for their spouses to act like they got some sense, waiting for their kids to go to elementary school, high school. What now? Waiting for their grandbabies to go, like women have died in bondage. That's not fair. Are you doing that? Are you the greatest barrier to your success?

Number two, owning your value. Are you able to adequately… Number two, owning your value. Are you able to adequately calculate how much you should be making right now? Baseline, it has to be over $100,000. It has to be over $100,000. It has to be over $100,000. A hundred thousand is a new 10,000. It's not that much. It's not the comma. It's not the comma. You got an NBA, two NBAs making $85,000 a year. Why did you get the second one? If the first one didn't do it, the second one didn't do it. The reason why it didn't happen is because you didn't ask. You got the degree in hopes that your leadership team would see that you're doing something to be of value, but you never claim that value. Are these degrees even hanging on your wall, or did you put 'em in a box and put 'em under your bed?

Are you even claiming how great you are? Or have you used your awards to be able to stabilize a shaky table? Are you even owning how great you are? Or are you hiding the greater parts and the awards that you've been given, and you feel like they're nothing, and then you feel like you're nothing, all the while working 80 hours a week and sacrificing your mental and your physical health to be someone of value? When you've already done that, you've done enough. Stop getting these degrees. Stop working hard. Own who you already are. Own the work that you've done. Own how great you are, and they will pay you for it.

Hey, Christy Rutherford here. Do you wanna learn how to ask for and get a 30% raise without getting another degree? Look, black women are the most educated and the least paid. I should tell you that, that math is not math-ing; the degree is not the path to the next level. It's actually learning how to articulate the value and take credit for the work that you've already done. So I wanna invite you to get my free case study at changenowwithchristy.com. Just get the information, use it, and take the money out of the hands of your employers and put it into your household because you already deserve it. You just have to know how to ask for it. Again, changenowwithchristy.com. I can't wait for you to get this insight. Use it and get the money that you deserve. Take care.

Number three building relationships with the decision-makers. Who are you building relationships with that work? I had a client who had been trying to get promoted in this organization for three years. She went to her boss once a month, and they had a conversation. I said he knows your work. He does not know you. People promote who they know, like, and trust. People mentor who they know, like, and trust. People sponsor who they know, like, and trust. They may know your work, but do they know you? Are you spending your time volunteering for tasks while they're out at happy hour? Are you spending your time doing the DEI initiatives while they're out playing golf? They don't know you. They know your work. And you see time and time again; they promote the man who has 10% of the qualities of what you do. They do 10% of the work that you do, but they make 200% more than what you do. And they continue to get promoted again and again and again. And they put you on that person's team because they know you won't let them fail because you're dependable.

But you don't feel like you're deserving. You're dependable, and you haven't asked for it. You got all the degrees, you have all the experience, but you haven't owned who you are. So you always gonna play second fiddle to somebody who's gonna be intimidated by your work, who you're better than you're creating the situation. So build relationships with the decision-makers and not phony relationships, but build trusted relationships. So I told my client, you know what, when you go in there for your once a month, he knows your work. You don't have to get briefed on that. When you go in there for your once-a-month meeting, ask him questions about himself. Three questions that you can ask. If they have pictures of their kids hanging around, people love to talk about their families. What are your kids' names? She had a two-year-old at the time. His favorite cartoon is what? What are your kids' favorite cartoons? So you're trying to build relationships on that personal level.

Number two, what's some of the best advice that you've gotten from a mentor? You better believe that people who are in high-level positions have been mentored, and they would love to be able to share that insight with you if you ask. Ask them what's the best piece of advice you've gotten from your mentor.

Number three, what are the two things that you've done in your career that you think that have made you the most successful? Successful people love to talk about ourselves. I'm not gonna say themselves. We love to talk about ourselves, especially when we're stuck in ego in a job. Nobody ever asked about us. Simple. Classic. How to win friends and influence people. People don't care about you. They care about themselves. What do you think two things that you've done that have attributed to your level of success? What advice do you have for me? But before you even get, what advice do you have for them? What do you think has made you successful? So you're acknowledging that they're successful, and you want to know about them. Three months later, she got an executive-level position and a $200,000 raise. Three months. She was trying to get it for three years. It took three months of building a relationship with her boss and getting to know him. He knew her. He liked her. He trusted her. Not her work. Y'all don't have to work harder. Build the relationships.

Number four, be consistent with the positive mental attitude. You ain't like that, huh? I just felt the world go sigh. How dare she tell me I'm angry. You are. It's okay. I used to be angry. Be consistent with the positive mental attitude. And I'm not talking about pretending, but I'm saying you actually deserve to be happy.

Now number five, last one. Ask. Boom. I wish I had a fireball here. Ask. Whew, why is that so hard? You can't be mad that you didn't get what you didn't ask for. You can't be mad they didn't give you what you didn't ask for. You can't be mad that the men asked and got it. And while you are over there waiting to be asked, year after year after year, well, they want me to have it, they should ask me. How is that working for you? It ain't. It does not. I'll clean that up a little bit. I did go to Harvard Business School. It's not working. Ask largely. Don't hesitate to ask, largely. If you only ask for $5,000, they already know that you don't know what you're doing. They're gonna be like, you know what? We don't have that, but we'll give you a pizza party and a pack of toilet tissue. You'll be like, thank you. I take it. I take it. I take anything. You're desperate. Nothing good comes outta being desperate. You're gonna take it?

They gave me an Amazon gift card. Ooh, thank you. $50. You asked for 5,000. You settle up for 50. If you go in and say, I've done these three things to the organization. Three, always asking threes for an existing organization. I've assisted this organization [who] earned at $5 million in profit this year, $3 million last year, $2 million previous year before that. This is how I've helped you earn money. I've saved this organization over $200,000 in the past three quarters of the past year or the past two years. How did you make them money? How did you save them money? That's what they care about. I created a program, and I automated a system that saved us 10,000 manager hours, which equates to over $500,000. My project did that. Did you save them time? Did you save them money? Did you make them money? You've done it. You just haven't quantified it. You think you deserve a raise just cuz you've been working it for the past 10 years. Lah, you think you deserve a raise cuz you've shown up on time for the past 30 years. What else have you done? You've never quantified and then asked.

I've heard women say; I'm going to have a conversation. We're going to have the conversation about promotion and conversation structure. I'll be like, what, you gonna say? They'd be like, what'd you think? I'd be like, hell up? You going into a conversation to talk about getting a raise, and you don't have a plan, And you wonder why you keep walking out year after year after year without the raise that you never asked for, you never expected. And you never quantify why you deserve it. The man who's adequately taking credit for your work got a degree in [typewriting], work 35 hours a week, plays golf, basketball, happy hour, gin, juice, all that. Ask for $200,000. Get it. And you mad cuz you never asked, and you didn't get anything. So for heaven's sakes, if you do anything, ask, but ask smartly and know that you deserve it by taking credit for who you are and what you've already done. Now walk in there afraid and ask for that money cuz you get what you believe. And if you ask for $200,000 and you shaking in your voice, oh, it's over. So please don't hesitate to ask largely and resist the urge to complain about not getting what you haven't asked for.

Hey, Christy Rutherford here. I want to tell you about my resume course, how to use the superpower method to write an irresistible resume to land you a high-paying job. If you can't figure out why you can't get to the next level, if you think that they're embarrassed to your success, that's not it. If you haven't learned how to adequately take credit for the work that you've done, if you don't know how to articulate it and even give it to a resume writer that you've paid $3000, $4000 to $5000 to, if you haven't given them the right information, then how can they output something that is of quality and value? So go ahead, get this course. It's less than $50. Get the information, use it, and write an irresistible resume that will get you the salary that you deserve today. So click on the link on around this video, or go to the superpowermethod.com. Like, or go to the superpowermethod.com. Get it, use it. Get paid what you deserve today.

[Guest]

So how do you calculate your worth? You know, like, what to ask for?

[Christy]

How much you make now?

[Guest]

95.

[Christy]

Oh God, how old are you?

[Guest]

30.

[Christy]

So your value is 325,000. How did I get there?

[Guest]

Yes, how did you get there?

[Christy]

How I just calculated her value? [Inaudible] Who cares? Why does it matter? Put a price tag on it and go. That's my answer. Why does it matter? You can't be saying, I only make $100,000 and then get mad at the 25-year-old who believes, who believes, who believes that they deserve 425. Why don't you believe that you can make 325,000? So.

[Guest]

I think it's… no, no, [you go in].

[Christy]

[No, go in]. [Inaudible]

[Guest]

I’ll just say definitely it was like, [unclear] issues and not recognizing how amazing I was in the past and stuff, but no more of that.

[Christy]

Yep. But we work together. So now you know how great you are.

[Guest]

Yeah.

[Christy]

How… gimme your top three badass things that you've done and who you are.

[Guest]

I think, right? It's like my resourcefulness, like knowing how to get the best result with what I already have, and also harmony, like bringing people together and building my [phone] relationships with people. My third one I'm still working on. I wrote down project management. Cause, like I've always written down lists and stuff, but I think I'm still… I think I gotta hone in on something better for the third one.

[Christy]

But did y'all hear her confidence, though? Did y'all hear her confidence when she started saying how great she was? Her voice got louder when she started to talk about what value she had. Her voice started to project when she talked about how great she was; when I said, tell me how great you are cuz you know, she got louder. Her question was kind of dicey; that question was dicey. But when I said, tell me how great you are, she did not shrink. She stood up, and she was confident, and she said, this is what I've done. And she gonna make up the third one. It doesn't even matter what she say on the third one. She believes that she has value. That's the key. She could easily ask for 625. That's my number, Rocky. I just wrote 325 since she was tripping. But when you stood up, 625 easy.

So a good rule double what you making. If you gonna play small, 30%. If the wage of gap is 30% between men and women, just go be equal. But if you really wanna blow it out at the park, 3S. If you're 50-something with an MBA making less than $100,000, shame on you. If you are 35, if you are 28 with an MBA making less than a hundred, if you make less than $100,000, shame on you with the MBA, with a degree, with an advanced degree. A part of it isn't necessarily what my value is; why don't I believe that I can triple my salary? Why do I believe that $100,000 is to come up? It's not that much. A part of the challenge is y'all are comparing your money to other people. You're comparing your value to what the people around you make. You're not having the right conversations with other people. You're not having conversations and getting uncomfortable with people who make more money. When I was in the military, I thought making 120 was to come up because I'm making four times more than my family. Everybody around me we're all making about the same amount of money. I really thought 125 was a come-up until I started to meet people who made $300,000 a month until I started to meet people who made $1.2 million a month.

Most of them didn't graduate from high school or college. But you got all these college-educated people who aren't making over $100,000, and they think that's to come up. We doing something wrong. Education is not the way, easy 30%. Y'all wanna do what's easy? Go for 30%. If you, less than 30. If you, 30 something, 2S. If you, 40 something, 3S. Because why? At 40, you now have 20 years of work experience. At 30-something, you have five to 10 years work experience, and women inherently don't know how to ask to raise their money anyway. So you've been working; you can't complain that you've been undervalued for 10 years and then say, I'm gonna ask for extra $10,000.

Hey, Christy Rutherford here; if you wanna learn how to get a 30% raise this year without getting another degree, go ahead and get my free case study and get this information. Use it. You can go to changenowwithchristy.com, changenowwithchristy.com. It's about 30 minutes. Use the insight, own your value, and get paid what you desire and deserve. Take care and see you soon.

[Guest 2]

So my question is not necessarily how to get a raise, but how to negotiate as I am looking for new position. Because coming from teaching, there's no negotiation. So when your salary's like, this is the number, this is what you're gonna be paid. So as I'm looking for something, I'm getting interesting feedback when I ask for stock options, or they're like, who is this lady asking for the world? I was like; I'm me. And so that's my question is, how do I negotiate it in the process of looking for a new position?

[Christy]

Okay, so you wanna know how to negotiate a higher salary, is what you want, based on if you came from teaching, which was how much?

[Guest 2]

47.

[Christy]

Okay, so you wanna go from 47 to what?

[Guest 2]

93. That's my number. 93,000.

[Christy]

47 to 93.

[Guest 2]

I know it's low.

[Christy]

Is that double?

[Guest 2]

Yeah, but that would be me personally. I'm not even talking about my business. I'm talking about just me, my salary.

[Christy]

Okay, so you wanna go from 47 to 93?

[Guest 2]

Mm-hmm.

[Christy]

And then, what industries are you looking at?

[Guest 2]

Oh, I'm looking in finance. I also hold a real estate license, and I'm a tax professional as well.

[Christy]

Okay.

[Guest 2]

So I'm looking in the finance right on that [unclear].

[Christy]

So you going from finance, teaching to finance to real estate to making pottery. What was the fourth one? ?

[Guest 2]

[Christy]

So the people…

[Guest 2]

That’s why I'm looking.

[Christy]

[This going to be real, huh]. Why you know people ask me question? So the people who you talking to, looking at you like I'm looking at you right now, huh?

[Guest 2]

Yep.

[Christy]

They're confused. You don't…

[Guest 2]

They are.

[Christy]

Have one… You don't have one clean story, which is what the problem is.

[Guest 2]

Okay.

[Christy]

It's not that you don't… you're asking for 93; they don't know what you want. Does that make sense? It's like, it's not, those things don't match, but you're not expressing who you are and what value you add to them. They're trying to figure out where you fit. So it's like, you're like this square peg, and you're like, okay, well, I can kind of fit into this square, this round hole. I can kind of fit into the octagon. I may be able to fit into the triangle, but what y'all think and they like, we don't think nothing.

[Guest 2]

Okay.

[Christy]

Coming in saying, I'm a finance professional, and this is what I could do for you 1, 2, 3. You're coming in trying to make it fit.

[Guest 2]

Okay.

[Christy]

They're confused, and you're confused.

[Guest 2]

Hmm.

[Christy]

So what three things do you have to offer? Any position that you're applying for is not that they think that you don't belong there is not that they don't think that they will pay you. Cuz I'm… 93 is, like our eggs, $10 in America, a hundred thousand is a new 10,000. You can't get anything. If you going for 93, you might as well shoot for 125. If you say you are a professional and you own that, you're only asking for 93. And I think we talked about this on a LinkedIn profile where you made a comment, and I'm like if people are coming looking for you, you acting like you [sucks], but you and TJ Maxx. So you can't walk in the door and say I'm all that and then you put yourself on clearance with eight stickers on it. Then they running you out the door, and you be like, oh my god, they don't want me, black women. They got all these barriers. They don't… What three qualities do you have that will be an asset to the finance industry?

[Guest 2]

Okay, well, my background in real estate

[Christy]

That… like, that's nothing. That's like…

[Guest 2]

Yeah.

[Christy]

What's the quality?

[Guest 2]

I'm trying to answer your question.

[Christy]

All right, so we can come back. I want you to think about it. I want you to write down–

[Guest 2]

Okay.

[Christy]

Three tangible qualities. You know what I like about a delicious, crispy fried hot golden brown, buttery brioche bun with two pickles and Chick-fil-A sauce, number one cracked chicken sandwich in America. See how it makes me feel? It's delicious. Now I ain't had a Chick-fil-A sandwich in two years, but I remember the golden hot, always hot cuz the line is always long with the refreshing sweet tea, with the splash of lemon in it. I could tell you exactly how it makes me feel that I can give you the description of the sandwich. If you walk in a Chick-fil-A and say, I want chicken. And they be like, well, what experience do you have? It's chicken. How many ways can y'all make chicken? A thousand? You have to be clear and succinct when you're coming to sell yourself to organizations. Otherwise, you're not going to get the result that you want. And you can easily blame them because there are plenty of articles that will say why you should blame other people. There are plenty articles saying why black women can't get ahead and why people are hating on us and why we can't open the door, and why we have all these barriers to success when we don't know our value, and we're not understanding how we can articulate who we are and what we bring to the market. That's the problem. So I'll give you 10 minutes, and we'll wrap back around. And this isn't a personal attack. Do you feel attacked?

[Guest 2]

I don't feel attacked. I'm not soft like that.

[Christy]

Great. So I want you to raise your hand when you have the three skills, tangible skills, not your experience. What can you do for an organization? Do we have another question?

[Guest 3]

What are your techniques for pushing someone out of their comfort zone?

[Christy]

What is my technique for pushing people outside their comfort zone? Ask me that question in a different way.

[Guest 3]

I am in my… I'm working with this organization that I've been with for 19 years.

[Christy]

Okay.

[Guest 3]

And I have made a decision that I need to move on.

[Christy]

Okay.

[Guest 3]

But being 19 years in an organization, I am very comfortable in what I do. And so, how do I get myself to the point where I get out of this comfort level and make the next move? I'm interviewed in 19 years cuz I've been at the same position, so how do I get ready for that next step?

[Christy]

So is it comfortable, or are you scared?

[Guest 3]

I think I'm, maybe both.

[Christy]

Okay.

[Guest 3]

Because not having done anything else for so long, I'm very comfortable and probably scared of the unknown.

[Guest 3]

Okay. How much do you make?

[Guest 3]

Uh, 175.

[Christy]

How old are you?

[Guest 3]

I'm 53.

[Christy]

Okay, so you're 53 making 175. I have a 35-year-old making 400. So if your value is 325, so that's an extra $200,000; what could you do with an extra $200,000 a year?

[Guest 3]

For me? Travel.

[Christy]

Travel, where?

[Guest 3]

All over.

[Christy]

Where?

[Guest 3]

I wanna do the three, Italy. Countries in Europe.

[Christy]

Okay. You wanna go by yourself, or you wanna take your family?

[Guest 3]

I'll take my family.

[Christy]

Okay. So you're not gonna go run butt naked down the beach by yourself? You gonna take your family. So you wanna take your family to different places?

[Guest 3]

Yes.

[Christy]

Okay. Do you wanna fly coach where they got picnic table seats for 18 hours, or do you wanna fly first class?

[Guest 3]

First class. I'm gonna travel that far.

[Christy]

Okay, so you wanna fly first class?

[Guest 3]

Yes.

[Christy]

Okay. Like the double deck of planes where they have the bar and the seats that lay down flat, and you can go to sleep.

[Guest 3]

I wanna comfort.

[Christy]

Okay, so you wanna fly bougie? So where you wanna stay? You wanna stay in the hostel while y'all are sleeping in a bunk bed, or you actually wanna stay in a luxury hotel?

[Guest 3]

I would like… wanna stay in a luxury hotel.

[Christy]

Okay. How many people in your family would you take with you?

[Guest 3]

Four altogether, including myself.

[Christy]

So it was you, who and who and who?

[Guest 3]

My husband and my two kids.

[Christy]

How old are your kids?

[Guest 3]

They're in their 20s.

[Christy]

Okay. So you want your kids to experience luxury travel. What else?

[Guest 3]

Probably more comfortable with things in life.

[Christy]

Like what?

[Guest 3]

Like a more comfortable car.

[Christy]

So why I'm asking you all these questions, right?

[Guest 3]

Mm-hmm.

[Christy]

You're not giving a reason, and you're not the only one who do it, but it's like pulling teeth to get y'all to dream again. You ask the kid what they want, they could tell you, but you haven't kept up with your dreams for what you want. So you're asking to just be comfortable. You're asking to squeak by in life. You're not asking for the greater things. So you're not making room to be able to receive what you want because you're not specific. Does that make sense? Like you haven't really attached the burning desire that you want to travel and you wanna leave generational wealth, and you want to be able to do these things before. Like, we don't know when tomorrow is our last day. Like, we don't know if we have this moment. So you haven't put any intensity behind the things that you want, which is why you're comfortable with being where you are, and you're not asking because there is no burning desire. So once you start to say, this is the life that I want to live, and I don't care, it's not necessarily what it takes to get there. It is like; this is what I want. I don't care how it comes. This is the dream that I want. This is the dream life that I want. This is how I want to feel. Comfortable and complacency has killed most of those dreams. But you see, all the men around you believe that they deserve $200,00, $300,000, $400,000, and they get it, and they, 28. You got 25-year-olds coming outta college making more to you in your same organization, you, 52. And you'll go to the women's empowerment event to complain about what you're not looking to change for yourself because you haven't attached your desires. Your burning desire to your money. So I want you to think about it; we're gonna wrap back around you. Like what do you want in specificity? Like, what's gonna set your soul on fire? What's gonna make you happy is not necessarily about, I want to buy a new car, or I want a bigger house. You have people who are happier with smaller cars and not-so-fancy houses, but they could afford to travel anywhere they want to. They can buy a house on a cruise ship and just cruise around for a year.

[Guest 3]

Yeah.

[Christy]

They can go where they want to go; they can do what they want to do. But we've attached the reason why we wanna make more money is to buy a reliable car, that's boring. How do you want to live? What do you want to do with the money? How is the world gonna be greater because you have money? Who can you serve with money? What causes can you give if you have more money? So I wanna know what makes you happy. Because once you start to tap in and what brings you joy and once you start to tap in, like if I had more money, I would give more money, then more money is automatically going to come to you because you've made yourself a vessel to be able to receive more, because you've agreed universally to give more.

[Guest 3]

All right.

[Christy]

Hey, Christy Rutherford here, inviting you to join my private community, Money Loves Happy People. Yes, the information is so good. We do live interviews Monday, Wednesdays, and Fridays. I have hundreds of on-demand videos in this community, including my signature course, How To Use The Superpower Method To Write An Irresistible Resume. My other course, Seven Keys To Getting The Raise That You Desire And Deserve. I made hundreds of videos from amazing thought leaders from around the world. You have access to on-demand for less than $500. Go ahead, register, join us in this community, get this insight, and get paid what you desire and deserve. Take care.

All right, any more questions?

[Guest 2]

You told me to give you three skills so that I can get more clear.

[Christy]

Okay.

[Guest 2]

So I have the gift of analysis. I'm very good with analytical skills, customer service, and project management.

[Christy]

What?

[Guest 2]

Did you hear me?

[Christy]

I heard it. Did you hear you?

[Guest 2]

Yeah. [I heard me].

[Christy]

You got what?

[Guest 2]

Analysis. Analytical skills, customer service, and project management.

[Christy]

These SAT words.

[Guest 2]

Well, I have them in biblical terms. My gift is teaching.

[Christy]

Oh, you went to the Bible to get…

[Guest 2]

I do that well. Yes. I'm trying to put them in business terms for you.

[Christy]

You went to the Bible to get your words, and then you converted them into business.

[Guest 2]

Well.

[Christy]

You ain't say that. She said that.

[Guest 2]

I didn't say that.

[Christy]

Oh, yeah.

[Guest 2]

It's the truth. I can tell, teacher, profit, apostle.

[Christy]

Oh, now you’re a prophet. I thought you’re a real estate agent.

[Guest 2]

Well, I know. But I'm also a prophet.

[Christy]

Like my chest is starting to burn. I need a drink. Somebody gimme a… I stop drinking and cuz…

[Guest 2]

What I do…

[Christy]

It's not right. What? You? You really said it.

[Guest 2]

[The last time] what I wrote down.

[Christy]

You went to the Bible and then converted it to biblical terms. I mean to business.

[Guest 2]

Customer service, project management. I have a little blurb about it after each one too. If you wanna hear that?

[Christy]

Customer service, project management. What's the third one?

[Guest 2]

Analysis.

[Christy]

So how does that fit into finance?

[Guest 2]

You have to be able to look at the numbers and analyze whatever the problem.

[Christy]

What jobs are you applying for?

[Guest 2]

I told you, finance… the one that I like the most.

[Christy]

What?

[Guest 2]

I'm trying to get there for you. It was a newly created position, and the lady liked me for it, for the purpose of analysis, looking at people's financial portfolios and solving their tax issues so it doesn't exist.

[Christy]

So somebody, confused. Got you confused. I had this client, amazing, high-value asset underwriter for Bank of America. Hated her life. She thought she had her job. She ain't her life, and she really need to clean up the relationship with her father. Once we got that cleaned up, she wanted to move back to her home country. Great move. Everything fell into place for her to move like that. Sold her house before it even went on the market. All these things happened. And so I was like, alright, well, take three months off because she was stressed out and crazy. Take three months off. She had enough money; she had a business, she had all these things, she had money. She moved to a different country. She went to some career coach, and the lady told her, we don't have that in this country. She has 20 years of being a high-value asset underwriter for a Fortune 500 company in the US.

She moves to a different country, and they say that doesn't exist here. You suck; you're gonna lose. So she calls me crying, and I hang up on her cuz I don't play that. Go eat some chocolate cake, and let's talk tomorrow. So I said, what do you have is not, what don't you have? What do you have? She has 20 years of banking experience. She had an MBA. She was awarded like the top, like these chairman awards or whatever, in her organization. So she had like five strong skill sets of who she was. She had the ability to be able to talk to super-wealthy people. She can network and build trusted relationships. She was a manager because she outperformed if they processed 10 applications a month; she did 40. So she 4x the work of her peers. She ended up closing like $2.1 billion in mortgages and homes in whatever she was doing.

That's what she brought to the table. That's her roster. These are the things that I've done. The next day, she had lunch with a guy who had a startup company, and she said, this is who I am. He said I need that. She rocked with him for six months, and we asked for, let me ask for, like $30,000 worth part-time cuz she tried to put herself on sale. But I was like, just cuz you leave the US, your value does not go down with the conversion rate. Cuz she can live real comfortably, thousand dollars a month, and you made… your value was $150,000. If they want you, we'll take $30,000, and she'll work no more than 20 hours a month cuz this is what I can do for you. He paid her. Six months. After that, she's having lunch with another guy, a senior officer at another bank in the area. She said this is what I do. He said I need that. She turned that job down, went, and got another job. I said all that to say three years later; she's now the head of high-value asset underwriting, a brand new position at that bank in that country. She created that position there.

So this is what was clear. She was clear on who she was, and people say, I need that. The reason why I say you're confused is like you're not clear on who you are, and you're applying for a job that's fuzzy on what they want. A whole hot ass's mess. And it's less than $100,000. That's the trickery that they played, less than $100,000. Cuz they're gonna give you six people's jobs. Am I yelling? I think I'm yelling. Should we turn my microphone down? They're gonna give you all the special projects that nobody wants to do, and now you're creating a toxic workplace because you don't know what you're doing in a very simple, clean job, and they don't know what they want you to do. Does that make sense?

[Guest 2]

Oh, yeah. Cause when I ask that question, no one can answer it.

[Christy]

Why would you go work for a fuzzy job? You're going to create a toxic work environment.

[Guest 2]

Gotcha.

[Christy]

And then you're gonna get in there and be like, oh God, they're not treating me right. They're overworking me; they ain't treat me, right? And then you're gonna read all these articles where they're not treating black women right. And we gotta work three times as hard, and we're not making no money. It is going to justify why you are where you are. You gonna stay there for five years? Heck, gonna fall out, high blood pressure, fat. I shoulda just stayed at teaching.

[Guest 2]

Oh gosh.

[Christy]

These people in corporate.

[Guest 2]

No.

[Christy]

They ain’t doing me right. That was you in the beginning. I probably could have said that nicer. But I ain't want to.

[Guest 2]

I told you I'm not soft like that.

[Christy]

Okay, great. Before we're done, to give me your five tangible achievements. Not this fuzzy stuff. You walk in the Chick-fil-A, asking for chicken, you walk in the Starbucks, asking for something hot. Can I get some wet ? What? Yes, ma'am. What? If they confuse you, confused. And they're gonna spray water in your hair. It's over. You asked for something wet. You didn't say water to coffee or tea. They gave you wet in your face. They gave you what you asked for. You, confused. They confused. That's not a good match. That is a recipe for a toxic work environment that you knowingly, as a queen, as a badass', which is what you pretty much said about yourself; the greatest thing walking, you walked into a trap because you were unclear on what kind of queen you were. And that's never okay.

So again, the five things that I wanna recap with regards to how to get a raise, which is searched 9.2 billion times a month, is number one, getting clear and honest on how you're showing up. Number two, owning your value. Three, build relationships with the decision-makers, not build relationships with the wrong people. Who are the people who have the influence in your organization? The relationship should be strategic. And look, let's be clear. Don't keep complaining that you're losing because you refuse to play the game. The game is being played whether or not you wanna play. So either you're playing the game, or you're getting played. Either you move in the pieces on the chessboard, or you're being moved. There are no ways around it. Get engaged in the game. Be strategic so you can get the money that you deserve.

Number four, be consistent with the positive mental attitude. And then number five, ask for heaven's sakes. Ask for what you deserve and break the fear cycle of not making the amount of money that's going to be able to give you the lifestyle that you deserve. Give your family a lifestyle that you deserve, and give the world the gifts that they deserve from you that are waiting for you. So with that, I hope this information has been useful for you. Again, subscribe to this podcast on your favorite listening platform, iTunes, iHeart, wherever we are. And then also click subscribe on YouTube and join me for the next episode. Cannot wait. Take care.

If you're smart enough, and if you are aware enough that you need to change, you would choose to change today and get the money that you deserve at changenowchristy.com, and your life will never be the same for the best.