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I want to pivot real quick to a question that we get daily on this show so much so that I wanted to address it for just a few moments heres the question we get hey Ken should I take a pay cut should I take a pay cut now this is a serious serious question and youve got to be able to look at a filter of three questions Im about ready to give you that will then reveal the answer so when does a pay cut makes sense number one can you actually afford it like this a pay cut cant throw you into financial uncertainty and quite frankly stupidity it cant make things so tight that one little thing goes wrong and now weve created a tremendous amount of stress and negative actions right so now we start freaking out were not nobody makes sense when theyre freaking out nobody acts the right way when theyre freaking out and you start making things so tight financially for yourself you are going to put yourself in a bad mental and emotional state so number one can you afford it let me let me b