 Thank you for staying with us. You may change your career due to two reasons. It is a loss of current job or dissatisfaction with the existing job. However, it is almost impossible to open quick today and find a fantastic opportunity just waiting for you tomorrow. Changing your career requires a lot of deliberations. It can have a strong impact on your psychology while disrupting your finances. Career change may come with a loss of income, loss of financial benefits, unemployed phases, additional expenditure on courses, changing lifestyle and so on. However, it is important to have that courage to make a change if you are unhappy with your job. So we are asking how can we mitigate the financial implications that come with career transitioning. Please let's hear what you have to say. Remember, you can join the conversation soon as an SMS or WhatsApp to 081-803-84663. You can also tweet us at WeishuaAfrika1 with the hashtag Weishu. Ladies, I would like to hear your thoughts about this actually. And I want to start with Uti. Yeah, let's go. Career transitioning, right? I think not enough people think about it. Not enough people think they can do it. A lot of times people, in fact funny enough that we are talking about this today, I was just watching a show earlier today. And it just was a show that seemed to be full of people doing really interesting jobs. I mean, high pressure jobs, but really, really interesting jobs. And I was having a conversation with myself and I said, you know what, there are people out there doing amazing things. And almost the kids of myself, oh, should I be doing something else or do I want to be doing something else? And I find that these conversations perhaps a lot of us don't stop to think about it because if you ask probably, if you ask 10 people, probably at least six or seven would tell you they'd rather be doing something else. But they're taking the action towards doing something else. You usually is where the problem lies. People don't know where to start. So some people, it doesn't even cross the radar that is possible. And the fact that when you start to think about it, are you taking action? Are you properly looking at yourself, assessing your skills? What transferable skills do you have? Because people think about going into a different industry and they're like, oh, you know, how can I go into this industry? I don't have any cognitive experience. But then sometimes it's not just, I mean, of course, in certain fields, yes, it is about having experience and having qualifications. I mean, you can't just pivot into being a doctor without getting the training. But for a lot of other skills and other career paths, right? There are a lot of transferable skills that people just don't realize. So when we talk about, you know, the communication, the leadership, all of those things that really lend themselves to getting you on that path for transitioning in your career. I think the other thing as well, which is the key part that we're talking about today is finances. People are thinking, do I want to jump out of the known where I'm safe, where, you know, I'm confirmed in a job? Do I want to jump, not just, you know, I mean, jumping into the new company is a risk in the same type of job, but then jumping into a completely new industry or completely different skill. Right? Is probably, you know, ten times the risk. So people are thinking, do I want to have that risk? Do I want to take that risk? Right? So finances becomes a huge part of it. So people don't know how much they need to have saved. Do I need to have a year salary? Do I need to have five years? Like how much do I need to have? What is, what should I be thinking about from the financial side of it? Because we just think I don't want to put my income. Whether the income is enough or not is not the conversation. But the one that I have, I don't want to be at risk. Right? So I think that is a fantastic topic to be talking about. I certainly got my pen and paper here. And I'm looking forward to taking a few notes from our guests because, you know, no knowledge is wasted. Knowledge is power. Very true. Yes. This is actually a very related topic for me. But then before I give my thoughts, let's hear from NJ. NJ, what are your thoughts on carrier transition and the financial implications? Because, you know, I've heard a lot. But for me, I wanted to look at it, I like to look at it from the phase. There's a particular phase, which I call the unemployment phase. And I'm speaking from experience. There's a lot that has to be considered when you're considering carrier transition. How it affects you and your personal life. In order to actually transition and then new courses and certifications that you have to take and you have to do the daily paid or paid, the daily free, you have to consider the period whereby there's no income coming in. How many months are you going to be out of a job and how are you going to survive? When the benefits you are going to lose from your current job, depending on it you have, as against what you have where you're heading to or what you're looking forward to, how this transition is going to, or that phase is going to impact your personal life in terms of how you spend money household-wise, your whole budget. You know, you have to cut down on the whole lot of things in order to survive that phase. Because you never know how long it will take unless you already have a job before you know where you're headed. You know, just even how much it will cost you from the new office to the old one, from your new, maybe your new location, your new office location to your house, if you use public transport or if you drive, what it will cost budget-wise, if you have to relocate, whether you have to take a pay increase or a decrease. So a lot of things to consider and just like we see, also here with the pen and paper, ready to enjoy them. So you seem like you already, you have so much experience and then you can literally walk us through career transition in as a matter of fact. No, and it's just the unemployment phase that I can't talk about. Okay, so maybe before I come see you. So for me right, I have actually experienced career transition in big time. Big time I tell you. We are. So first right, I used to be a teacher and I did that for seven years and I became bored because they were not accepting I'm a disruptive teacher, right? I'm not your regular classroom teacher and a lot of schools don't understand that and they don't understand my style. So I got very bored and fortunately at the time I got another job opportunity which was now outside, completely offered education in real estate and then this person is saying to me oh you know what I've had used to become a new business development and I'm like excuse me I've been in the classroom for seven years yes I've had leadership roles and whatnot but then how do I now transition into business development but I'm like the pay is can you hear us? Okay, the pay was like very very and we know how it is in Nigeria educators are not properly paid or compensated so this was actually a whole lot more money for me and I'm like okay great opportunity seems like there's going to be travel opportunities and whatnot as well you know let's do this and that's how I transitioned into business development and then real estate and all of that and even now say if I'm now in between again well yeah very very interesting I also can't wait to hear from our subject experts tonight so Mary let's hear from you I think there's a lot to learn from this topic I have so many questions but what I'm also learning is that it's almost an undefined part you can't really say it takes a bold step to go into it change is very difficult for me change very difficult I find it hard to adapt to change any sort of change you're pressing in the office and I just want to be by myself I just want to be in my lane so changing karaz as well it takes it brings out that decision maker in you because you're going to have to know what you want and everybody's going to be on your matter like you really have to know what you want sometimes you actually don't know what you want you just figure things out on the path but there's the Gen Z nature which I'm in the era of we want to literally try everything we want to try new things we feel like this thing isn't working for me and your parents who have stayed thousands of years on a job because it's just status quo because of that fail trying something you're just telling you looking at you like we think you're really crazy the financial implication now is where the millennials are also saying okay but you guys want to be free jumping around trying jobs and everything but we're still the ones funding your lifestyle most of your parents you're still under your parents' roof you're not really ready to take it up to say you know what you might be homeless or you have to actually plan your rent and stuff like that but we Gen Zs we just want to actually just go and try this out today today is candle making tomorrow is another thing you want to do and which is actually also fine in my life I've gone to make up school I paid for it myself and my mom is like but you never practice this thing I'm like okay I'm tired of this we went to learn how to make candles together which was the start of everything which is beautiful but I call them the connecting dots in my life and I don't know where exactly I'm going I don't know the destination but I want to enjoy the process if this is what I want to learn today let me learn it but you know I have questions on how to plan as well because the last unemployment phase took me by by surprise so I mean if I'm going to do it again I'm going to be wise at this time in terms of probably budget for like yeah so that's it women is the chief executive officer for the history of consulting which is the coaching and consulting firm specializing in commerce acceleration career coaching women empowerment facilitation and training on the African continent with presence in Nigeria South Africa, Botswana, Kenya United States of America, Rwanda and affiliate Namibia Ghana and Uganda she has coached in multinationals such as Google ABSA Sri Lanka, FNB Vodacom and Anglo American and tonight she is joining us virtually hi for me so great to have you in well not in the studio but to have you on the show tonight how you doing good evening ladies it's good to be here welcome okay so let's get right into the conversation my first question would be I mean we're talking about career transition and its financial implications so how do you financially prepare for a career change or a career transition so when we're talking about career transition it's always become a symptom of the fact that there have been two types of transitions the first is voluntary this is when you plan for it it's completely up to you you're deciding that you know like you mentioned perhaps you've been a teacher for a long time deciding it's not for me and I want to transition into something else that's a choice so you can determine the time period the second is involuntary which is what we were talking about a little bit earlier which is unemployment it's when COVID hits completely unexpected and now you're forced from a survival perspective to then go into a career transition and how we financially prepare for these two are a little bit different so in looking at involuntary it's tapping into what in essence is your emergency fund so what we anticipate is when we get our salary whether it is on a weekly wage a monthly perspective you should be putting away at least 10 to 30% of that salary for in case of emergency which can in future help you obviously take care of your bills maybe utilize the seed money to transition into another career help you perhaps studying if you have to so that is in preparation for involuntary career transitions if it is a voluntary career transition then you're determining what is the time period you're currently employed to do a career transition are you planning to do this in 3 years in 2 years in 1 year what is the plan I know for myself I gave myself a 10 year period so I went into corporate realising that in 10 years I will then become an entrepreneur so I had 10 years to put away my capital and make sure that my finances were in a space that I was ready so it does depend on whether it is voluntary or involuntary what your financial strategy is going to be okay let's see so if we're looking at voluntary if you're looking at your market so in the space in South Africa on average it's going to if you're looking for another job as opposed to entrepreneurship your amount is going to be different so in the job hunting process in the South African context on average it's going to take you 6 to 8 months to find new employment in Nigeria it does tend to take you a little bit more because of how competitive the market is and how many people are also job hunting so looking at the stats in Nigeria it's going to take you anything between 9 to 16 months to get a new job which means you're looking at your expenses and saying do I have a minimum of 16 months worth of savings for me to be able to do that career transition so you're looking first of all at your goals the second thing you then have to consider is what is required for me to do my transition so maybe you may have gotten into the market where your undergrad sufficed 5 to 10 years where you're wanting to be the requirements substantially higher so now you've got additional costs to consider you might have to do training you might have to go and do your masters you might have to go and do a completely different degree is that factored in your savings so looking at that will then determine what that amount should be that's from if you're looking from a job hunting perspective if you're looking at being an entrepreneur it's very difficult to determine that number because who knows how long it's going to take for your business to finally take off break even and turn a profit so then you start looking at what are the trends within my particular industry so I was going to the human capital space the coaching space which is great because the very low costs but I did have to factor in the education and training costs paying for how it was going to happen by itself so I had to budget for all of that then I could say okay I'm giving my business three to four years in order to turn a profit so I knew what my bills were what my expenses were potentially with the salaries I would have to pay and that became the number I pursued in my ten year journey so it is dependent on the industry it is dependent on your current expenses and it is determined on the trend that you anticipate of course you can put the money away and then the unexpected happens like COVID thank you NG NG initially I spoke about the unemployment phase you just mentioned that in Nigeria it will take an average of about nine to 16 months to get another job or to be able to replace get something to do so I just wanted to find out what and in it okay hi NG okay I think we lost okay Andrew we can hear you now we lost you for a bit okay so I was asking that during what do you do to survive that period that you know transitioning what do you what are the things that you have to do what are the things you have to cut down what do you have to look into how do you survive that process so I think the first step is taking a lifestyle audit right so if you're doing a lifestyle audit you're taking a look at what do I currently spend money on rent, food, where am I buying my food where do I live can I perhaps know are my existing expenses in order to make sure that whatever I've got saved away I can actually cover and stretch to meet my goals so that's the first thing to consider so if you currently living in a very expensive apartment can you perhaps look at converting the apartment to also be an Airbnb and generate another form of revenue or do you have to move back home so having a lifestyle audit is the first thing the second thing is once you know that baseline where can you reduce what can you reduce in your lifestyle the third is then to say how can I diversify my revenue stream if my main stream is drying up a little bit it's not going to be as abundant as it used to be so for me it's looking at things that potentially passive income do I have any assets that I can leverage do I have any skill set that I can use to tide me over in this period so I know for me for example I had an honest and finance so consulting from a financial planning perspective wasn't necessarily my passion I was passionate about career coaching but I could offer those services to mitigate me really reducing my lifestyle really reducing on my costs and expenses so that's the first thing to take a look at then you have to look at what's the 90th century so a lot of the time we think this is so important I need to get it and if it's not essential or it's not going to help in the generation of revenue you might have to cut that out and then of course in looking at diversifying the income and looking at that side hustle we have to be strategic it's important that we don't only look at our geographic locations so if you're sitting in Lagos, Abuja in a kitty wherever you're sitting can you perhaps offer some consulting services to someone outside of the country are you looking at what people are doing in Kenya what people are doing in South Africa could you potentially leverage the advantage of where you find yourself locally and export that to someone else in the world while it's tying you over during that involuntary phase or that voluntary phase okay thank you Mary so if I hear you correctly you're saying first things first you need to do a lifestyle audit so you need to be sure that this is what I have to survive on for the next few months meaning that I need to cut down the expenses that I would usually incur when I was in my previous job okay nice thank you Mary I think my question will come from points where it happens involuntary so let's say you got another job before you left the first one which is also into a new a new direction a new path you know it's somewhat related to what you are doing but obviously it's new so there's also understanding from the company that you should be able to learn on the job and pick up a bit but then you get into the job and it's almost worse than what you are coming from which is an unforeseen circumstance and I think it gets bad you can't really stay there anymore so you are unprepared for the next phase which is the unemployed phase because you leave would you rather have the passing stay and still plan or is it advisable to just up and leave so I think it does depend what you mean by that so there are two types of phases the first is when you're having an experience where you might be frustrated with the culture you don't get along with your boss but it is manageable and then there's the second which is toxic which has a direct impact on your physical health a direct impact in your psychological health so if we're not looking at a life or death situation due to employment my first call to all my clients will always be take your life and run the way they do things here is so archaic I wish we could do things differently then for me that's a learning opportunity and for me whatever you are in a space where you're frustrated it's a reframing so that's when you reach out to a career coach you reach out to mentors and you say help guide me through the season of my life I would rather someone walk away healthily then someone run away because it's just it's hard and I don't like my boss it's just a fundamental different things one is a learning opportunity the other is a threat to life so if it's a learning opportunity learn the lesson because often when we say I've got a narcissistic boss or I'm unhappy with the culture what you're running away from will generally follow you and you need to master that lesson and understand that the opportunity to learn from someone you particularly on fond of is the reality if you're going to run your own business one day I'm always sitting with clients they're my favourite but I've had to learn how to engage them how to create a cordial relationship that is productive for both parties but if it is a toxic work environment and your health is literally on the line then of course you look after yourself first and preserve your life and then you leave so those are the two very different circumstances hence my advice would be different on both of those Mary okay I'm liking this conversation is actually going to but then let's take a short break and when we come back we'll continue the conversation see you shortly thank you for joining us if you just tuned in we're talking about this kaira transitioning and its financial applications with women's swelling please let's say what you have to say remember you can join the conversation send us an SMS or WhatsApp to 08180384663 you could also tweet at us at weishoafrica one weisho so Vumi I was going to say I hear most times when people say oh before you leave or if you're planning to transition from a kaira for example if it is voluntary like she has said you need to you should usually maximize the benefits you currently have at your presence face over so things like your HMO and things like that Vumi what do you have to say about that I'm sorry can you repeat that so I was saying that sometimes people would say that if you are making a voluntary kaira transition you should in most cases maximize the benefits you are getting at your current place of work so I was thinking that is critical if you are having a strategy to meet use the resources given to you and I think a lot of the time when we look at our careers or look at our current employers we don't see the advantage you are often with a brand that's recognized that brand when you walk into certain spaces opens up doors for you how are you leveraging that to increase your network something as simple as when you're at work you don't have to pay for wifi how are you leveraging that to prepare for you to go you want to utilize every single resource given to you to help catapult you to your next level in your career that is what I think will give you that credibility it's also being strategic so if you know that you are going to be leaving there is a career transition you are wanting to do so let's say for example you are currently in finance and your career transition is fundamentally different and you wanted to get into marketing use your current employer spend time with the current marketing team understand the lay of the land learn from them the experts of what they do so by the time you pivot to your next career transition you have utilized what has been given to you previously every organization I have worked for I have learned from so when I was at Barclays I learned a lot that helped catapult me to vote a phone which catapult me into my own business every career transition every organization gives you an opportunity to walk away with something often when we think about career contracts we only think about they give me remuneration for my energy and money and time spent on my intellectual property what we don't realize it's the resources it's the network it's the exposure it's the experience leverage every single thing to catapult you to your next career transition space nj nj you are going to say something just go ahead yes well for me I would to say you should use every resources within the current working space I I used to think that it would give you for me I used to feel guilty using it because you know your way out so you feel like oh now you're using their resources to either do meetings and try and send out cv and do all this job search online and all that so for me I felt guilty at the time using those resources for meetings just putting it to us that is actually your right to actually use those resources because that is part of the benefits of working without work environment because most times we don't use all these things all these resources and then you're leaving you find out that you haven't used your leave and you haven't used seven days so and sometimes that's why I said you feel guilty that you now want to use maybe you have 15 days left and then you take that time off and then you come back and you turn in your letter so yeah it's a bit much but well now I know so looking forward to the next you know transition can I say something that you that I always say and my clients always it's jarring for them your first loyalty is to the CEO that is you your employer enjoys the benefits of you so your loyalty and your prioritization must always be you once you are able to admit that and align with that then you are able to serve your clients accordingly because your employer will change if it is if it's your business then your clients will change but if you are able to always keep loyalty to you first it's very very easy to know when to prioritize and who to prioritize with because you will walk away having not leverage what was freely given access to and your competitor next door would have done so then you wake up five years down the line and say how come they further down the line than me you simply did not take advantage of the opportunities presented to you hmm I like that because so I'll use myself as an example again where I used up my I made sure I went to the dentist I made sure the first step no I had to trust me because I was like really I didn't have time to do a couple of those things but in many times I was like wait I hope it for how long and then I haven't no I have to I have to take advantage of my benefits and I may try to maximize it to the laugh and I'm very happy that I'm very happy that I did I would also want to add to what Vumi said about creating a budget so I remember we were having this conversation I think on Wednesday with Jennifer and we were saying you know plan I think that's just a big I wish I knew that at some point in my life that things might not just remain the same things things are going to change so that's Alfredo Paster that you always go to hit on Sunday afternoons you know that for now it's not going to happen I can't applaud as much as I will normally do because I'm currently going through a phase right let's see let's hear your thoughts no jokes I sent my pen and paper it's scribbling all the way but thank you so much my question really sits around the cultural viewpoint that we have in Nigeria that everyone who's working it's almost like this thing where being an entrepreneur is the thing right why are you working for someone you should have your own business so when we think about the voluntary side of transitioning and maybe even sometimes in voluntary that papers people into those kinds of situations but more on the voluntary side what when people think about career transitioning what should be the signs what should I be looking out for to say perhaps the time is right for a transition because I think a lot of people just don't realize that it's an option so what are those signs that our viewers can look out for so in looking at some of the signs when you're ready for career transition most of the time if you've got a side hustle or you've got a side business that's an easy one for me because then you're saying is my current revenue for my side business superseding one of my expenses has it been consistent and has it now matched to superseded what I would be earning as a salary so that for me is the first check to say okay financially as a part time entrepreneur I think I'm ready what are the benefits what are the benefits of me leaving my current employer would the revenue double triple what would that look like and for me I always want to say you want to test this a little bit so if you are currently only doing your side business on a Friday to Saturday resting on Sunday then say okay what happens if I started also doing it after hours during the week and adding those hours and seeing if there is revenue cater to say it might be ready for me to take this full time if you are a little bit nervous then you say can I potentially hire someone to grow the business whilst I'm still employed and if it starts growing okay I can take over this full time so those are some of the signs you can take a look at the second is there is no side business that you're doing but you're finding yourself in the space where you're bored you're frustrated and you're ready for the next challenge and you're now saying you actually need to transition so for me the things you need to be considering there is one what would an engaged work space look like for me what kind of stimulation am I looking for and is the stimulation something that I need to give for my work or is this a stimulation I can give from outside of work I know for myself when I find that I'm itch and need to perhaps leave an organisation because I'm bored I can do this with my eyes closed I usually pick up a degree I'm like let me take my time off the hours to mentally stimulate myself but if I'm noticing that even with additional studies going to work is now a drag and I'm really frustrated I'm having a conversation with my employer then for me I know it's time for me to transition and I think often we are afraid of transitioning not realising that prior to COVID we anticipate that the average human being working is going to have a minimum of 8 career transitions in their lifetime so it's something you need to do at least 8 times so the moment you're able to say I think I'm ready I need that transition then you ask yourself why why do I need that transition and what is it that I'm looking for sometimes we'll find that we're looking for more meaning more purpose in life as we climb up Maslow's hierarchy of needs our need even from a work perspective changes the first time it's all physiological we're just trying to make sure we're taking care of our bills the roof of my head is the food on the table also then it gets a little bit more actually I want psychological safety why do I not feel safe in this environment I'm kind of scared of my boss I need more than this then as you transition you see yourself getting into the seasweets it becomes about legacy and self actualisation so understanding where you are and what you need is will also help guide you when you're ready for that change and if you can't supplement that change with other things in your life so when I was looking for purpose I started volunteering to teach and it subsided that need to career transition for a good year because I was now exploring and expressing that need in another faculty in my life so look at all those signs and look at holistically I think for me are good indicators when you're ready for that next career transition okay thank you very much I was also going to say what would you say to people who are experiencing some sort of would I say fear fear is holding them back because I would call it the fear of the uncertainty so they are not sure what it is that they are supposed to go into so some people might even have the financial ability to sustain themselves like you said in Nigeria you should usually give yourself between nine to sixteen months so some people might have been able to save up enough money but then there is still some sort of fear that is holding them back what would you say to such people is that if you are going to do anything and it's unknown you're going to be afraid and for me to wait for fear to subside you'll be waiting for eternity I don't know one entrepreneur who went full time and said oh what a pleasure it was so easy and everything went according to plan it just doesn't exist even if you're changing careers when I changed from the financial services sector to the telecommunications sector there was great fear I was comfortable there going into it's not comfortable it's going to be scary so for me courage is not the absence of fear courage is doing it afraid so you have to be able to determine for yourself what am I afraid of what can I do to circumvent the very worst of this happening am I comfortable with what I put in place to mitigate that risk and then working within myself to say I'm willing to do it afraid all right maybe I do know how to phrase this question per se but it is you mentioned something about learning I know sometimes we're quick to say oh this is hard and so you just want to jump out and leave but in the process of in that process where you're learning and is it's like there's no guidance to watch your learning through you might be trying to learn but the environment is actually toxic to your mental health but you don't want to see or sound cliché because you know it's going to seem like oh yeah some things are meant to toughen you up so I would like to say how I don't know I don't know how to phrase questions will I say how do you learn or how do you learn through the process how do you know when to say okay this is a learning point and this is actually affecting me because in that learning process sometimes it feels like okay just endure for a bit you actually endure you actually pick up some strength from the situation but the same scenario keeps playing itself over and over and over again in the company and you're just trying to say oh I know I'm supposed to learn something you know from this but it's actually taking a toll on my mental health it's like I'm drowning and I'm seeing myself drown and I do not know how to pick yourself up or you pick yourself up from something and you think that and you're falling back into the same thing because I've been through living a job and going back to the job because there's a bit of passion in which I actually like something there but there are a whole lot of things that outweigh that passion that I have for the job so it's like you think oh okay I can do this again I think I'm stronger this time and then you go back in but then it's the same mental phrase you know you're going through so what will be your advice for survival so for me it's about you've learned something and mastered something when there is no longer an internal impact on you so I recall having a very narcissistic boss and every time she would walk into the room I'd get ready to literally pass out and until I had built the mental fortitude and spoke into my coach and worked with my mentor to get to the point where even though she continued her behaviour mentally I created a sacred space where she couldn't impact me I didn't burst out crying anymore I wouldn't get home and die of frustration I got to the point where I was starting to make notes and say she is this kind of leader and as this kind of leader what can I learn because even badly this teaches what not to do and as I mastered her not having any control between my internal in my internal campus and the conversation I was having with myself then I was ready to leave because for me I was no longer running away from the situation I was walking away from what no longer served me and I think there's a difference one is an escape where we don't master the lesson which means at some point in our life I truly believe the lesson will come back and if we haven't mastered it we'll have to master it a little bit later but also in knowing that this is now toxic and when it's toxic it goes back to what I said earlier where it's becoming a mental psychological life and death I'm getting suicidal I can't get out of bed I'm falling into a depression then you can't learn if you're in a space of survival if you're in survival you're in self-preservation mode so you need to then be comfortable to say I cannot learn in this environment I have to look after my health first so I think those two for me are the the differences but in that learning process you study the environment you study the person from an objective perspective which is hard because you are experiencing it but you can't study and be subjective it's like an exam in high school you can't say oh this is my experience with biology you have to say this is objective this is how the rules work and once you're able to understand comprehend and thrive from an objective perspective then you're able for me to be comfortable saying I've learned the lesson if I were to meet another person version two point of this I would quickly master the environment I would quickly master the boss because I've learned and have been able to pivot and turn around what was in essence meant for my harm to actually be what can be the trajectory for me thriving in the future thank you very much ladies any final words NJUT any final words I think we've just learned so much and just the idea that we need to think about career transitioning as an option I think too many people just don't think about it so really if it's the right thing for you and it's just the plethora of options I think that one of the things that we also don't process enough of is how many actual careers or options there are out there I think so our scope can be limited by experience or by environment but I mean really there are I mean I know this is maybe the one percent but I mean there are people who get paid to travel, there are people who get paid to watch me, there are people who get paid to taste food so I mean there is just so much out there that is interesting so if you don't like what you are doing I think my my mantra is if you're not a tree so if you don't like what you're doing move I like but you're not a tree you can actually move you're not a mobile nice thank you so much Uti NJ final words from everything we have said and all the ladies all the contributions it's very very important for us to understand where we are and if there is first of all do an analysis to be sure that a change is required or a transition is required be able to know what you require for that transition process and be able to plan for it ahead of time and for us not to allow any form of fear to be the motivation for our transition I think we have learned a lot and I have my note hand filled with a whole lot of thoughts so I just want to say thank you for the time and for all the knowledge and insights you have given this evening I must say it was quite an enlightening conversation and I learned quite a number of things so thank you so much Umi it was great to have you on the show again and we also look forward to having you some other time before we go do an show you follow us on instagram and most importantly follow all our social media engagements I remember to like, share, comment and invite your friends and family to watch us and follow us if you missed today's quotes here it is again your career is like a garden it can hold an assortment of life's energy that yields a bounty for you you do not need to grow just one thing in your garden you do not need to do just one thing in your career as well and this is by Jennifer Richie-Piot today at 8pm as we bring another great conversation thank you so much ladies