everyone has their own unique views and needs when it comes to financial success if you'd like to leave your financial woes behind and live a life of Financial Freedom you've come to the right place welcome to the saving with Steve show hosted by Steve Sexton the show will help you with the ins and outs of money we talked about financial issues that could be costing you thousands of dollars and keeping you up at night we talked about money tax reduction saving more spending less 401K risk management retirement and everything under the sun that relates to you having a healthier happy relationship with money now here is your host of saving with Steve Steve Sexton<br> saving with Steve what we talked about the ins-and-outs of money everything under the Senegalese they having a happier healthy relationship with money on it thank you for joining us today we just Eclipse over 750,000 listener so we're very happy we want to thank you for sharing this with your friends and family and Associates but today we're talking about money not only talk about money we're talking about a career and your job layoffs are starting to pick it up many people make New Year's resolutions to advance their career by finding a new job that they actually enjoy that's why we have founder and co-ceo of hiring manager a me find Reese where she spent 25 years leveraging experience as an executive hiring manager to help professionals at all levels of their career fighting keep jobs that make them happy so with that Amy I want to welcome you to the show<br> that's a good thing about Amy she's a sought-after speaker expert career coach she works globally with clients across a variety of Industries her expertise is Game 4 melee two decades of working with companies and organizations reduced costs increase revenue and Bruce process significantly across all business operations here's another thing he's really interest he's been featured in countless Business Media including Wall Street Journal Business Insider Yahoo up Journey Hive The Baltimore Sun and I can go on and on so and she's also a keynote speaker at the women's leadership conference one special lady and we're very lucky to have her and her experience we want to start talking about all of our viewers really really really wanted to know when it comes to searching for a job during recession what skills they need to land a job during that challenging times that they're expecting a head<br> it's not generalities so it's hard to make a broad and sweeping generalization about that one of the things I found in my business on is the idea that there are always good jobs for people and I don't like to tell people gosh macro statistics are bad so you should feel bad and be very worried I am absolutely not a proponent of taking that approach to the situation I do believe that there is a job for everyone and for everyone's skill-set when people come to me I like to tell them like there's an app that you can do whatever you want to do online there's an app for that there's a job for that whatever it is that you want to do and there are skills that you might do in your personal life that have great applicability in professional life that you don't know about because no one ever talks about what they do there are so many more jobs out there than people realize and one of my favorite things about what I'm doing now<br> how is talking to people about what they really like to do and how that can be translated into the marketplace and I'm not talkin Steve about finding your passion again I don't like to talk about generalities I like to talk about specific so one of the things I like to do when I talk to people when we first meet is talk about when the end of the day gives you satisfaction in your job is it something like talking to people because you can build a whole job around to bellapin client relationships that's a hugely scalable and transferable skill no matter what industry at that if you wake up and what's on your calendar for the day that makes you say this is it going to be really fun. I love doing this is working with spreadsheets don't laugh there's a lot of people who love doing it I happen to be one of them if it's running in meeting standing in front of a group of people trying to let you know figure something out with them and pick their brains and get something out of the grey<br> if it is walking around to a bunch of different sites and and looking at the various pros and cons of them know there's always something that somebody likes doing most during their day and if there are things that they don't like during their day you can make a list of both of those and come up with a job that has it things you like doing the most so that's my first thing is that if you would like a new job if you would like a career pivot there are things that you can start with to think about what it is that you want to do now that is my next one which is that if you are recently had a layoff or if you are thinking oh my God I cannot come into this job one more day I cannot work for this manager one more day I've been there I totally get that and if you have been recently laid off<br> my biggest piece of advice is do not run from something you want to be running toward something there's a huge difference between Solvang and immediate Problem by getting the hell out and you have a fixing that short-term problem and running towards something that you really want to do that you're really going to enjoy doing and it's really worth taking the time and if you have the job that you can't stand take the time to think about what it is it you do want make a list of everything from not going to be home to do lacrosse games three nights a week I don't want to fight traffic I want to work within a mile from home I want to work brother really great coffee bar nearby even if it seems silly write everything down I don't want to spend a lot of time in meetings all everything possible and look for that get as many things as you can but don't say I just don't want that job and he<br> or I'll take the same job somewhere else because as a hiring manager I can tell you we know we can tell the difference we know when someone is running away from something and we know when someone is running toward something because they want and we want the people who are going to want to work for us cuz they want to do a good job they want this job we always hurt the person is it but the general Haitian we tend to hire the person who wants the job the most because they're going to be the person who is going to do the best job at it going back to someone who has been late and recommend the same thing our immediate tendency and I've been there to is to say oh my god I've been laid off I have X amount of weeks before I have no salary first thing I'm going to do is call everybody in my network tell them I'm looking but everything I can possibly apply to online in a complete Frenzy<br> about three weeks later you probably haven't had much luck or you've had a couple of start you're exhausted you're depressed and you're completely worn out that's the point when you should start looking for anybody out there who has been laid off or God forbid may be laid off at the end of the holiday season ordering it my best advice I can give you is take time off absorbent get used to it get over you do not want to go into a job search emotional you don't want to go into a job search with the idea that you have any of the emotional scarring any thing left on you where you feel like you were given a raw deal that you feel like you were going to badmouth The Old Company you never want to say in an interview that you've had a bad experience only a learning experience so what you want to do is just get over<br> anyting emotional that you have left for that company for that layoff anything related to that experience and start fresh and both your network your interviewees the recruiters they're all going to know that to take the time to do it yourself and just relax as best you can get past it and then Star Wars I hope I did I just say that you're going this is exactly what everybody wants to hear because the reality is from my perspective I've been on that line once where I wasn't part of the click and that's the reason why was odd man out and there's a couple of people like that and I went right in oh my God I got to take care of my family and Bam Bam Bam Bam and you're right in three weeks I was totally wiped out and my if it wasn't for my wife go you know what<br> what's his going on vacation I've arranged to vacation for us I mean she saw it and when I came back it it took a matter of days before somebody said hey you know what you be a perfect fit so let's let's go it was like wow so I can only understand that night and day because all the little triggers from the old position they're still there and somebody says something a certain way and you're hiring manager you're well-versed in this cuz you don't want those old triggers with a new hire so they figure that out so I was just like oh my gosh this is perfect I mean it's been a long time since I experienced that because I run my own business now and then you said be happy that's what made me happy so at the end of the day it's been a massive change so I'm just like. This is perfect with that we do need to take a break though great insides of your looking for a new position or<br> the new resolution or just got fired or laid off to stick with this will be right back in just a few moments more expert advice for having a happier relationship with money still to come on the saving with Steve show<br> don't let your financial woes keep you up at night and prevents you from living a life of Financial and personal freedom hi I'm Steve Sexton post of the saving with Steve show where did he talk about the in an ounce of money those financial issues it could be costing me thousands of dollars causing stress keeping you up at night we're going to talk about money tax reduction saving more spending your investment risk management retirement and everything is so sweet with you having a healthier happy relationship with money soon as you've ever dreamed of living a life of Financial and personal freedom you owe it to yourself and your family to tune in to the saving with Steve show join me Steve section of the saving with Steve show as we talked about everything under the sun when it comes to money to learn more about the show visit saving with Steve. Us that's saving with Steve. Us saving with Steve. Us will see you soon<br> welcome back to the show that is here to help you achieve your financial goals it's the saving with Steve show now here's your host Steve Sexton a little welcome back to the saving with Steve show where we talked about the ins-and-outs of money if you're looking at getting Surrey place or available at saving with Steve. Us if you're enjoying the stories of helpful information like we're having today with Amy and sorry from taking to see if I could you describe your YouTube channel and so you never miss a show check out a few of our Affiliates at UK help radio BBS radio talk radio in New York City e360 TV Las Vegas TV networks are all dedicated to empower you to solve problems and lift your spirit and live a life of personal and Financial Freedom if you'd like some gas gas or just seen the behind the stuff that's on Facebook so you can go to saving with Steve Sexton and going to the Insiders clubs and you can get all the behind-the-scenes stop where we all mess up and have fun and with that I want to bring back Amy we have a lot more to talk<br> Amy thank you for being in the show that first part I really didn't ask why questions cuz you're already answered most of them cuz that means you've been there before the next question is this how should job Seekers structure their job search to maximize chances of scheduling an interview like you said then the last segment you're sending out resumes to LinkedIn and everybody the shotgun approach how's the best way to do that cuz I always feel like when I lost a higher I get three to four hundred different resumes and I'd like oh my gosh and sometimes I get the same person twice cuz they've got to the recruiters okay well first let me start with your tools are going to need you're going to need a resume that key thing to remember is that the average recruiter interview are hiring manager looks at your resume for an average of 7.4 seconds according to the latest study buy LinkedIn so you want to tell your story fast I usually whether it's somebody who's a c-suite level or somebody<br> the new grad put a sort of a summary sentence at the top that tells your story so highly analytical quantitatively analytic new grad with internship experience in database analytics sticking entry-level roll and database marketing or you know why they experience Chief Operating Officer managed a multimillion-dollar lines of business 2 Community Challenge and Manufacturing about what they're looking for and I like to put skills up top or right about your accomplishments not what you did so don't say that these were what you were accountable for but see what you accomplished so don't say that you did this project say what the impact of the project was not that you know work on a project to finding what the new flavor of Coca-Cola would be but that<br> you helped increase Coca-Cola's Revenue share my point of 2% by introducing this new flavor in Latin America that you worked on from market research to launch then you want a cup of cover letter that doesn't show how great you are the talks about how great you will be for the role and that's where a lot of people fall sure you also want to develop a cover letter anytime you have a chance to write 1 write one don't write an essay have a template available in three parts first part use keyboard from the job search about why you want the job the second part is why you'll be good at it just a summary of your resume and the third part is why you want to work for the company just a short little blurb take something that their product on the website thank your social responsibility programs are fantastic I'd be proud to work for you 85% templated have it ready on the go out there to all that's important is it<br> elevator pitch your elevator pitch has three parts this is what I'm looking for this is why I'll be good at it can you help me and you need to have that you know you can say it at Starbucks you can say it in your doctor's office you consider BBQ I literally have clients have gotten jobs in each of those situations using a good elevator pitch for all three the only trick is in what you're looking for you can't specifically say I want to work for h&p and product development as an engineer specifically in major health care line cuz people be like long or know anybody and you also can't say what I want to work in developing major health care products computer engineer cuz they're kind of like a tree somewhere in that in the middle but people can kind of get in a cat should say I think I know somebody who does that<br> then and structuring a job search I recommend doing it in three parts first part is what I call reactive job searching and it's the least effective but it's easiest and not responding to anything you see on LinkedIn on indeed on a general Google search that will bring up Pacific job sites in your city and those are the ones I recommend that most recent jobs 2nd is what I call Proactive which is reaching out to your network have a coffee have a beer you know reach out to anybody that you know and your ex coworkers are probably the best but also you know go to LinkedIn see who might be in your industry that went to your college I went to your high school that you might be worth reaching out to your parents friends your friends parents anybody's good third one I call professional development which is let's say you're working in Telecom and you want to join any LinkedIn group that's associated with Telecom product development so there's<br> sure that on LinkedIn you want to follow thought leaders in the area you want to join those groups you want to really this webinar as you want to see what professional associations there are and those would feed into canceling networking networking potentially leads into finding jobs and all kind of dribbles up into getting you actually into an interview and what I recommend is every week you're not going to have a job on Friday but if you set a goal for each of those three cheers I'm going to respond to two to three jobs on LinkedIn I find I'm going to reach out for two or three coffees every week to somebody in my network or send an email to someone it might not work and I'm going to spend a half an hour a day or two hours a week doing professional development work just researching seeing what's happening getting any aha's that I can bring up an interview about what's happening in the industry or what's impacting it that Friday comes you've accomplished your goals and you feel like everything<br> play cut this week and you can relax for a weekend and when people ask you what you been doing on your job search you have something to tell them so it's a way to keep your spirits up it's the way to find time to work in time to relax and it's generally a good way you're getting all of the bars that you wanted him everybody's worried about interviewing skills if we don't do it that often do it we do it in a blizzard so to speak but move over a bump and then work. Hopefully we get a job but when somebody's going into an interview what is the best way to be prepared for that going to an interview y'all need to do three things you need to prove that you understand what the job is and that's what's really important and next one is that you can do the job and most people prepare for that but not necessarily specifically and the last one is that you want the job and I can tell you with absolute certainty that 90% of the time you know I would be<br> six people for first interview for people for a second interview two people for a third interview and it bring my team and at the end and say okay what you guys think and they all go if I was saying but this one wants it more so be enthusiastic in the interview especially women tend to hold back and then you get it this incredible thank you note I want this job so much for this great reason this very reason but the decision has already been made be as enthusiastic as possible also what I recommend people do you always know the first question is going to be some version of tell me about yourself walk me through your resume why do you want this job something like that I recommend taking control the interview right up front and saying let me just tell you before I do any of that or might just blow into the conversation here is why I really want this job here is why I know be good at it. So I want to work for this company<br> some version of your strongest elements right up front very quick never certain interview as well and start now and work backwards Beast fast most times the lower and interviewer is like if it's somebody who is just screaming your resume they all have a list of questions you have to answer so they'll be like tell me about it time when you know it's a very scripted the more senior person is that someone will hand them your resume on the way in the door and they'll be like oh you went to the store and then they won't listen to you while they're looking at your resume but if you start at right at front with look here's why I want this job feels kind of story to resume way and just talk to you and that's what you want that's what you want to really have somebody engaging with you the other thing I like to tell people is he your strongest examples right up front and craft a story around them so I worked on this group<br> in college and it made me realize that I really wanted to do corporate finance because I saw the impact that capital structure could make on this company the various ways that they can do it I just really loved working with accounting and I just thought this is what I spend my life doing and here's what my part was in the role and here is our conclusion was and I just really really love doing that and I know you work long hours in this world that I would love to be able to do that so that's the kind of thing you can tell that story as an answer to tell me about a time you did a group project and what role you played in it why do you want this particular industry tell me about a very fun to team project that you did tell me about time when you get a project that you really loved it you know you have three of those stories and you get them in advance you're already really prepared for 90% of the questions they can throw at you<br> them in advance and use your strongest examples I got to ask those questions and I was thinking about the one position that I got after I relaxed is I was the one who actually took control and I knew that I would do well and I didn't wreck SATA front but I just everything went came back to I think I'd be really good because of this this and this a my example for this and I was like okay now I can see why that worked and why the other ones did Amy we're almost finished with our time here today could you share with people who are here who would like to go to your website work with you have you consult with them all that kind of stuff how can they do then do my website is called hire a hiring manager H I R E A hiring manager I have a book out called College to Career explain where I have all this<br> specifically geared to college students who are you making that first big Trinity and I have another book coming out that's a little bit more General called get noticed get focused get hired now that will be out in March and I have a series of videos some products every product on how to get a really good reference I have a product coming out on internships and I do do lunch one work and I'm developing a series of webinars as well so if people have specific webinars are interested in please go to my website email me to tell me specifically what you're interested in those would be the most cost-effective way until I get my products up and online other than working 1 to 1 but I'm looking for specific topics to develop a weapon ours on<br> Amy I want to thank you for joining us today this is been very enlightening you know what it says right along the line of all the questions that people ask me once I post your information up on our view is blocked so thank you for joining us everybody stick with us we'll be right back with more shaving with Steve more expert advice for having a happier relationship with money still to come on the saving with Steve show<br> don't let your financial woes keep you up at night and prevents you from living a life of Financial and personal freedom hi I'm Steve Sexton post of the saving with Steve show where did he talk about the ins-and-outs of money those financial issues that could be costing me thousands of dollars causing stress keeping you up at night we're going to talk about money tax reduction saving more spending your investment risk management retirement and everything is so sweet with you having a healthier happy relationship with money soon as you've ever dreamed of living a life of Financial and personal freedom you owe it to yourself and your family to tune in to the saving with Steve show join me Steve section of the saving with Steve show as we talked about everything under the sun when it comes to money to learn more about the show visit saving with Steve. Us that's saving with Steve. Us saving with Steve. Us will see you soon<br> welcome back to the show that is here to help you achieve your financial goals it's the saving with Steve show now here's your host Steve Sexton will welcome back to the saving with Steve shall we talk about the ins-and-outs of money that was a me find read with pure potential the experts inside the strategies for getting a new career getting hired in a recession let's talk about some tax planning because we're right at the end of the year one of the strategy want to talk about that split Leigh overlooked I just want to say this folks we are at that time of year where we're getting ready for a family time all the time spending time with the ones we love a course of things are all going on with getting ready for that big day there's also something else in the back your mind because the t-word starts to pop up and that's taxes I say this every single year when it comes to tax planning so many of us do what we call rear view mirror planning we're all we see what happens in the past one of the things I'm always encourage everybody to do<br> is tag playing needs to be looked into the future now this second it's all about tax harvesting this is an interesting contact because with tax harvesting what we're doing here is we're selling securities at a loss to offer the capital gain typically employed to limit the recognition of short-term capital gains and the movement there because they're generally taxed at a higher rate so remember short-term capital gains at anything that happens within a 12-month period of time because it's taxed at ordinary income rates so when we do tax service in your stealing a security at a loss of short-term capital gain again this is something we really want to talk about with a tax planner of course you know advisor or anything like that make sure it's understood really well there's a big benefits here it's a generous tax eating places that are often overlooked because many times wait until the very end and some of these things were not being proactive and sometimes it gets lost in the tax planning but here's the big thing<br> folks just work with somebody 2 weeks ago<br> and we look at where their tax bracket was and basically there in a 22% tax bracket they were $3,000 over the 12% tax bracket<br> and you know what we did we use tax harvesting that reduction of that $3,000 and we got into the 12% tax bracket all their dividends and capital gains became tax-free Court in the IRS tax code is their taxes went from almost $6,000 and a little over $150 that's a wonderful situation being you want to take a look with possible so I heard you to talk with your visor talk with your tax professional if they don't know how to do tax planning on buying some of that does because there's three big drains when it comes to your retirement speech volatility and taxes if you can reduce the taxes that in some more money to go in your pocket and the other thing you need to think about is the tax cuts and jobs act sunset on January 8th 2026 you have two years to figure it out so get it figured out earlier the other thing is this before 2024 start working on it now<br> cuz if you could save yourself five six seven thousand dollars a year and you're still saving for retirement that's five six seven thousand dollars a year you could save for retirement this five six seven thousand dollars you can take a trip with to make sure it works for you I want to thank you for joining us today on saving whiskey will look forward to seeing you next time stay safe and stay healthy bye bye thank you for joining us for the saving with Steve show hosted by Steve Sexton to learn more about the show and how to become a guest or sponsor visit saving with Steve. Us that's saving with Steve. Us join us again next time as we continue to talk about everything under the sun that relates to you having a healthier happier relationship with money this has been the saving with Steve show hosted by Steve sex<br>