WEBVTT - Exhausted And Lonely By Digital Only (BA Q&A) 0:00:03.680 --> 0:00:09.720 Hey, hey, hey, oh I forgot that's the Navis and Wednesday. 0:00:09.760 --> 0:00:14.159 Oh it's time for the b a q a A 0:00:14.520 --> 0:00:16.880 to b a q a, which you say the b 0:00:17.120 --> 0:00:19.759 a q eight with tiffin a the b a q 0:00:19.920 --> 0:00:24.360 a no men day, but the b a q a nonetheless. 0:00:25.280 --> 0:00:28.720 So today is a snow day. It's get you if 0:00:28.760 --> 0:00:32.800 you will, and so cous it's a snow day. Men. 0:00:32.840 --> 0:00:34.400 They got the babies, and you know the babies will 0:00:34.440 --> 0:00:37.680 not let you tape nobody's podcast. So you just have me, child, 0:00:38.040 --> 0:00:39.880 because although it is a snow day for me as well, 0:00:40.600 --> 0:00:44.240 it's just me, So I figure i'll do a We're 0:00:44.240 --> 0:00:47.080 gonna answer two questions, one about business because y'all love that, 0:00:47.320 --> 0:00:50.920 and one about personal finance because y'all love that as well. 0:00:51.280 --> 0:00:55.280 If you're new to the stew the studio for short, 0:00:56.240 --> 0:01:00.000 we answer questions here, but we answer questions on career, 0:01:00.760 --> 0:01:03.960 on business, personal finance, your money, and life in general. 0:01:04.480 --> 0:01:07.280 But Mandy and I are not your attorney. We're not 0:01:07.319 --> 0:01:12.679 your financial advisor. We're not your doctor, we're not your engineer. Shoot, 0:01:12.840 --> 0:01:15.440 we're not even a poc in g Man. Okay. We 0:01:15.480 --> 0:01:17.360 are just two smart brown girls that have a thing 0:01:17.480 --> 0:01:19.200 or two to say, and we will give you our 0:01:19.240 --> 0:01:21.440 best to give you some advice that you take with 0:01:21.480 --> 0:01:23.920 the smallest grain of salt, and then you consult with 0:01:24.040 --> 0:01:27.520 the people you pay to take the advice to the king. Okay, 0:01:27.920 --> 0:01:30.840 all right, So if you got questions, we have answers. 0:01:31.040 --> 0:01:34.119 You can always slide into our DMS on IG that's 0:01:34.120 --> 0:01:37.760 our preferred place. That is Brown Ambition Podcast on IG. 0:01:39.040 --> 0:01:41.920 Or you can always go to Brown Ambition Podcast and 0:01:42.040 --> 0:01:45.200 there's like a contact us button dot com on our 0:01:45.240 --> 0:01:47.040 website and there's a contact us button so you can 0:01:47.120 --> 0:01:49.040 hit us there too, but IG is our favorite place 0:01:49.080 --> 0:01:53.400 sliding them DMS. Honey, all right, So I am taking 0:01:53.440 --> 0:01:56.240 these questions I'm answering today just in general from what 0:01:56.280 --> 0:02:02.400 the people have been asking and people say budgetiestae question. 0:02:03.480 --> 0:02:09.200 So I have these financial resolutions and it's not looking good, queen, 0:02:09.680 --> 0:02:12.600 even though we're in week two. How do I stay 0:02:12.680 --> 0:02:16.160 on track for the year? Who has that question? Raise 0:02:16.160 --> 0:02:18.840 your hand? Raise your hand, right? I know I have 0:02:18.919 --> 0:02:23.280 that question sometimes and so I have found a system, 0:02:23.400 --> 0:02:27.280 if you will, that allows me to stay on relative 0:02:27.360 --> 0:02:30.360 financial track for the year. Want to hear it? Hear it? 0:02:30.480 --> 0:02:34.560 Go first things first, you do have to kind of identify. 0:02:34.560 --> 0:02:37.480 I don't necessarily do resolutions, but I do try to 0:02:37.520 --> 0:02:40.919 identify what goals financial goals I'd like to meet by 0:02:40.919 --> 0:02:42.760 the end of the year. But this is what I 0:02:42.760 --> 0:02:47.520 ask myself. I say, Tiffany, January one, Tiffany, what would 0:02:47.560 --> 0:02:51.399 you like January thirty one Tiffany to look like? Where 0:02:51.400 --> 0:02:53.040 would you like for her to say? Ooh cha, I 0:02:53.080 --> 0:02:55.440 went on these trips? What would you like her to 0:02:55.480 --> 0:02:57.320 be wearing? You know, I was just looking at a 0:02:57.320 --> 0:02:59.000 pair of Jordan's today, these Jordan Ones. I love the 0:02:59.080 --> 0:03:01.880 Jordan Ones. They were raid and black and white. I 0:03:01.919 --> 0:03:04.920 want her to be wearing those, right? What you know? 0:03:05.160 --> 0:03:07.079 What is she a last girl? Because you see, I 0:03:07.120 --> 0:03:08.720 got me a little last one right now? Does she 0:03:08.760 --> 0:03:12.080 still have those? Okay? Has she finally moved into her 0:03:12.080 --> 0:03:17.520 condo she's been renovating forever. Has she eaten at certain 0:03:17.560 --> 0:03:22.560 restaurants la la? Has she spent time with people she 0:03:22.600 --> 0:03:25.440 wanted to spend time with? What does January thirty one 0:03:25.600 --> 0:03:30.280 Tiffany look like? And then infuse financially what does that 0:03:30.320 --> 0:03:33.960 mean for her or him? Right? Or they? Then? Right? 0:03:34.080 --> 0:03:37.520 What does that mean? Because this is more powerful than 0:03:37.520 --> 0:03:41.120 a resolution because of the resolution is like, I'm gonna 0:03:41.120 --> 0:03:44.640 fix my credit. That's great. What does that actually mean. 0:03:44.800 --> 0:03:49.880 I'm literally envisioning myself December thirty first, you know, not 0:03:50.000 --> 0:03:53.160 outside because Child is ghetto on New Year's Eve and 0:03:53.240 --> 0:03:58.000 dangerous the December thirty first, reflecting on my year that's passed, 0:03:58.440 --> 0:04:00.800 and I I'm gonna actually because if you know me, 0:04:00.800 --> 0:04:02.520 you know I'm always cutting my locks, and I've cut 0:04:02.520 --> 0:04:05.160 them to the chin, I've cut them short. But for 0:04:05.240 --> 0:04:07.200 one thing, I'm like Child, I'm actually gonna let my 0:04:07.240 --> 0:04:10.360 locks grow. So I imagine it's already like at Brawlink and 0:04:10.400 --> 0:04:12.480 so I imagine they'll be like mid back and your 0:04:12.480 --> 0:04:15.000 girl's gonna be a mermaid. I also think I'm gonna 0:04:15.040 --> 0:04:18.719 keep the lashes up. I will have traveled. I know 0:04:18.800 --> 0:04:21.960 for a fact, I'm going to Africa. I'm going to 0:04:22.040 --> 0:04:26.480 go to Johannesburg and a few surrounding countries. Literally tomorrow 0:04:26.480 --> 0:04:30.000 I leave for Puerto Rico with my sister am. I 0:04:30.080 --> 0:04:32.240 just got back from South Carolina. Y'all never told me 0:04:32.279 --> 0:04:35.880 about the sea islands Gullah Gulla. It was so freaking beautiful. 0:04:36.360 --> 0:04:38.600 I was right on the Atlantic Ocean. It was moving 0:04:39.160 --> 0:04:43.240 right so that's happening. My sisters just started taking pilates classes. 0:04:43.240 --> 0:04:46.440 It's forty dollars a class. I'm considering it. But do 0:04:46.480 --> 0:04:50.880 you see, like as I imagine January December thirty one, Tiffany, 0:04:50.920 --> 0:04:54.040 like I'm looking at her holistically and then I'm attaching 0:04:54.040 --> 0:04:58.640 the financial goals to that holistic life. Does that make sense? Right? Like? 0:04:58.720 --> 0:05:01.200 What do I want for her? I want to have travel, 0:05:01.680 --> 0:05:03.840 you know, I don't necessarily want to lose weight, but 0:05:03.920 --> 0:05:06.600 certainly I would like my body to be tighter, a 0:05:06.640 --> 0:05:09.919 little more snatched to the wakes. Okay, because I'm bringing 0:05:09.960 --> 0:05:12.400 in forty five, I want to be given forty five 0:05:12.520 --> 0:05:15.880 grown woman energy, but the body of thirty maybe not 0:05:15.880 --> 0:05:19.280 thirty because thirty I was too skinny. Thirty five thirty seven, No, 0:05:20.080 --> 0:05:22.360 just tighter than what I am now. I still give 0:05:22.400 --> 0:05:26.120 it key though, R. But I literally am asking myself, 0:05:26.120 --> 0:05:28.640 how do I want to show up on the last 0:05:28.720 --> 0:05:30.960 day of the year, and what does that look like? 0:05:31.000 --> 0:05:32.599 What I have to do now? And how does that 0:05:32.640 --> 0:05:35.200 tie into my financial life? Is there money that I 0:05:35.240 --> 0:05:37.839 have to save? Are there trips that I have to book? 0:05:38.400 --> 0:05:40.720 Maybe I need to lean in, Like literally, I'm going 0:05:40.760 --> 0:05:44.599 to Dubai in February. Your girls outside outside here go 0:05:45.040 --> 0:05:48.000 catch this city. My trips in the month of January 0:05:48.040 --> 0:05:51.320 and South Carolina. I started off with their doing Karen Hunter. 0:05:51.400 --> 0:05:55.600 She's got this awesome podcast. She had this Healthy, Wealthy 0:05:55.640 --> 0:06:01.080 Wise conference, which was inpecably done. I started there. I 0:06:01.120 --> 0:06:03.080 go to Puerto Rico. I just got back on Sunday. 0:06:03.120 --> 0:06:06.839 I go to Puerto Rico tomorrow to celebrate my sister's 0:06:06.880 --> 0:06:12.479 fortieth Hey, Hairyl, that's rooming a Milia's mama Inenda because 0:06:12.560 --> 0:06:15.440 my friend Rachel Rogers is having her ROI conference that 0:06:15.560 --> 0:06:17.720 she has every year in Puerto Rico, So we're gonna 0:06:17.760 --> 0:06:21.000 I'm gonna go to the conference but also enjoy pr 0:06:21.240 --> 0:06:24.919 Okay and Dean. The week after that, I have to 0:06:24.920 --> 0:06:27.640 go to Boston because I'm taping this huge podcast. Y'all 0:06:27.640 --> 0:06:30.560 heard of mel Robbins. You know you have Okay, I'm 0:06:30.560 --> 0:06:32.800 taping her podcast. It's in Boston, so I'll be flying 0:06:32.800 --> 0:06:36.080 out to do that and Dean. I got booked to 0:06:36.120 --> 0:06:39.680 do this gig in la a week after that, and 0:06:39.760 --> 0:06:42.119 so I might We'll see how long I stay because 0:06:42.160 --> 0:06:45.200 I have some friends in La hey Evon and my 0:06:45.240 --> 0:06:46.960 cousin Chris. So maybe I'll stay a couple of days 0:06:47.000 --> 0:06:49.320 to hang out with them, and then two weeks. Then 0:06:49.320 --> 0:06:51.320 the week after that I'm going to be going to 0:06:51.440 --> 0:06:56.600 DC to see my friend. And so that's happened in DC. 0:06:56.800 --> 0:06:59.359 And then the week after that I go to Dubai 0:07:00.080 --> 0:07:05.720 for this Mastermind, and during this Mastermind, my friend Terry 0:07:05.800 --> 0:07:08.039 is going to be there. She said, I've always wanted 0:07:08.040 --> 0:07:10.800 to go to Singapore. I said, okay, girl, so we 0:07:10.880 --> 0:07:14.000 are going to go to Singapore the Mastermind for Dubai. 0:07:14.440 --> 0:07:16.440 It's just two days. But who goes all the way 0:07:16.480 --> 0:07:18.520 to Dubai just to stay for two days? Not me. 0:07:18.920 --> 0:07:24.000 So I'm gonna be in a way for about ten days. 0:07:24.400 --> 0:07:27.000 And so we're gonna spend time in Dubai and then 0:07:27.040 --> 0:07:29.320 spend time in Singapore and then bring myself on home. 0:07:29.520 --> 0:07:33.200 That's just January and February. Your girl is what outside? 0:07:33.880 --> 0:07:37.440 So as I think of December thirty one, Tiffany, she 0:07:37.680 --> 0:07:40.600 has been well traveled, right, I didn't even talk about 0:07:40.600 --> 0:07:42.080 May when I go to Africa, when I go to 0:07:42.280 --> 0:07:45.400 Johannesburg and the surrounding countries, right, I even book all 0:07:45.400 --> 0:07:48.400 the other things I plan on doing. Okay, But in 0:07:48.520 --> 0:07:51.040 order to do that, I am currently looking at one 0:07:51.200 --> 0:07:55.360 my finances two points. I'm literally like, I was watching 0:07:55.360 --> 0:07:59.120 YouTube videos today about the best way to medeem points 0:07:59.200 --> 0:08:02.440 because I got a lot of ANX points, a lot 0:08:02.440 --> 0:08:06.480 of United Airline points, some Chase Venture Card points, and 0:08:06.560 --> 0:08:09.320 so but do you see that? Like, I don't want 0:08:09.400 --> 0:08:11.960 you to think of your December thirty first self just 0:08:12.000 --> 0:08:14.200 from a financial place. I want you to think of like, 0:08:14.280 --> 0:08:16.840 how will you show up holistically and then match your 0:08:16.960 --> 0:08:19.320 money to that. That's how you stick to the quote 0:08:19.360 --> 0:08:23.800 unquote resolutions. Because resolutions are dry, honey and ashy. But 0:08:24.440 --> 0:08:27.960 if you make them about your holistic, wonderful life, then 0:08:27.960 --> 0:08:30.480 you say, hey, money, catch up. I need you to 0:08:30.520 --> 0:08:32.720 do this, honey. I need you to give this. We 0:08:32.800 --> 0:08:35.520 need to give savings, we need to give pay down 0:08:35.559 --> 0:08:38.600 this credit card debt, we need to give maximize these points. 0:08:38.679 --> 0:08:40.840 Do you see? Do you see? Do you see? We 0:08:40.880 --> 0:08:44.080 need to give strong credit score? And so that's what 0:08:44.120 --> 0:08:46.160 I do first and foremost in order to stick to 0:08:46.240 --> 0:08:50.199 my quote unquote resolutions is that I make it about 0:08:50.240 --> 0:08:52.440 a bigger life, not just about the money, and then 0:08:52.480 --> 0:08:54.719 I match the money to the life. I don't try 0:08:54.760 --> 0:08:58.959 to match my life to the money. That's one. Then two. 0:08:59.520 --> 0:09:02.440 One of the things I do is I look for help. 0:09:02.640 --> 0:09:07.400 I look to you. Is that windy I look not Whitney, right, 0:09:07.600 --> 0:09:12.960 I look to you when I don't even know the song. 0:09:13.400 --> 0:09:15.280 But it's a cute song. I just don't have a 0:09:15.320 --> 0:09:18.920 great voice anyway, right. So one of the things I 0:09:18.960 --> 0:09:21.120 have learned in my almost forty five years of life. 0:09:21.120 --> 0:09:23.400 When I'm gonna say almost forty five because my birthday's 0:09:23.400 --> 0:09:25.840 not in October, so we're gonna live this cute forty four. 0:09:26.280 --> 0:09:27.880 I mean some of y'all be hung up on about age, 0:09:27.960 --> 0:09:30.959 not me, girl, because you see the skin botox and 0:09:31.559 --> 0:09:36.480 feeler free, still looking like what I'm giving. I feel 0:09:36.520 --> 0:09:38.840 like I look in my forties, which is great, But 0:09:38.880 --> 0:09:40.640 I feel like I look like in a cute in 0:09:40.640 --> 0:09:42.400 my forties. Okay. The body is still body, and the 0:09:42.440 --> 0:09:46.079 face is still facing and the skin is still skinning. Guy. Okay, 0:09:47.360 --> 0:09:51.320 So so I'm always looking for help. So in my 0:09:51.520 --> 0:09:54.080 years of living, I have learned the fastest way to 0:09:54.120 --> 0:09:57.080 get from where you are to where you want to 0:09:57.080 --> 0:10:00.920 be is typically through someone else. Because, girl, why we 0:10:01.000 --> 0:10:03.280 learn a new lessons when the lessons have been learned 0:10:03.760 --> 0:10:07.360 and written about and podcast about and blogged about. Okay, 0:10:07.760 --> 0:10:11.600 So for example, I'm like, Hey, I've never flown Emirates 0:10:11.800 --> 0:10:14.640 or Qatar, and I've heard they're really beautiful, and I 0:10:14.679 --> 0:10:17.120 want to fly like to when I go to Dubai. 0:10:17.200 --> 0:10:20.439 I want to have that luxury experience business or first class, 0:10:20.440 --> 0:10:23.800 that luxury experience. I mean, I've flowed obviously first class 0:10:23.800 --> 0:10:25.800 and this is before, but those are supposed to be 0:10:25.920 --> 0:10:29.560 very high upscale airlines. So I'm currently like in these 0:10:30.520 --> 0:10:34.160 ANX groups learning through people, how do I maximize the 0:10:34.200 --> 0:10:36.960 points that I have in order to like not have 0:10:37.000 --> 0:10:41.240 to pay for that girl because Baye, So through someone 0:10:41.280 --> 0:10:45.040 else you get to maximize the lessons that you want 0:10:45.080 --> 0:10:47.240 to learn. Why should you learn from scratch? That's why 0:10:47.280 --> 0:10:50.800 you're here listening to about ambition. If you want to 0:10:50.840 --> 0:10:53.840 do anything that has anything to do with financial wholeness, 0:10:53.960 --> 0:10:59.960 that's budgeting, savings, debt, credit, income, investing for both retirement 0:11:00.120 --> 0:11:04.760 and wealth, your net worth, insurance, your financial team, and 0:11:05.040 --> 0:11:07.800 estate planning, any of those ten things. Child, That's why 0:11:07.800 --> 0:11:10.240 I wrote the book Made Whole. It's the workbook version 0:11:10.320 --> 0:11:13.880 of good with Money, right, and so looking for guidance 0:11:14.000 --> 0:11:16.560 do not do it alone. Money is a team sport. 0:11:16.880 --> 0:11:21.880 So finding people, tools and resources to help you get 0:11:21.920 --> 0:11:24.640 to the goal, the financial goal that you need to 0:11:24.679 --> 0:11:27.520 live the life that your January thirty first self is 0:11:27.520 --> 0:11:30.319 like I did that? I did that? Does that make sense? 0:11:30.920 --> 0:11:34.400 So one identify your January thirty first self what they 0:11:34.480 --> 0:11:37.319 fin to say about how the year went? Cute. Two, 0:11:38.160 --> 0:11:40.240 get yourself a guide. While you're out here by yourself, 0:11:40.280 --> 0:11:42.600 it's getto out here, go ahead. Get you a partner. 0:11:42.600 --> 0:11:44.280 When I used to teach free school, we would always 0:11:44.280 --> 0:11:46.720 tell the kids hold your partner's hand. Right, you would 0:11:46.760 --> 0:11:49.320 have to hold your partner's hand because if you was missing, 0:11:49.559 --> 0:11:51.680 one of these kids is gonna be like, my partner's missing, 0:11:51.679 --> 0:11:53.480 And I could be like Joahim, where are you, sir? 0:11:53.800 --> 0:11:57.240 Why are you always behind? Right? So get yourself a partner. 0:11:57.840 --> 0:12:00.520 I love an accountability partner. So that's like a little friend. 0:12:00.559 --> 0:12:03.760 Friend that's going to walk you through well, that will 0:12:03.760 --> 0:12:06.240 walk with you on your journey. They don't have to 0:12:06.320 --> 0:12:09.080 know personal finance, but they're there to cheer you on 0:12:09.240 --> 0:12:11.839 and hold you accountable and support you and share their 0:12:11.880 --> 0:12:15.280 goals too. Right. But then you find somebody that's done 0:12:15.280 --> 0:12:18.400 the thing you're wanting to do. Like, I don't know everything. 0:12:18.480 --> 0:12:22.040 I lean into my financial advisor Angelie for certain things. 0:12:22.080 --> 0:12:26.760 I lean into my my peers. You hear me talk 0:12:26.800 --> 0:12:28.920 about Cabrella a lot. He's one of my business peers 0:12:28.920 --> 0:12:32.120 that I bounce things off of. My friend Brandess of HFR, 0:12:32.360 --> 0:12:34.600 I bounce things off of her. I lean into my 0:12:34.679 --> 0:12:40.720 mentors Lynett, Cole, Boddy Cox, Sondra Davis of what is 0:12:40.760 --> 0:12:45.800 it Stage Financial Right, and so like, these are my mentors. 0:12:46.120 --> 0:12:48.720 And so I am quick to raise my hand and 0:12:48.720 --> 0:12:51.000 say I need help. Let's get good at that. I 0:12:51.080 --> 0:12:54.800 need help. I don't know, And it's okay finding those 0:12:55.000 --> 0:12:57.880 people that are doing the thing you're wanting to do 0:12:58.520 --> 0:13:01.800 and then following their lead. Some people you'll know personally 0:13:01.840 --> 0:13:05.320 and some people just follow digitally. That's fine, okay. So 0:13:05.360 --> 0:13:07.000 if you want the book, honey, go ahead and made 0:13:07.040 --> 0:13:09.320 whole workbook can certainly help me with the financial part. 0:13:09.600 --> 0:13:12.280 So that's the second part and the third part of 0:13:12.360 --> 0:13:17.480 keeping these financial resolutions is building a community around you. 0:13:17.880 --> 0:13:21.000 We work best in community. So when I said, like 0:13:21.320 --> 0:13:25.360 looking for guidance, that's typically a person or a number 0:13:25.400 --> 0:13:28.559 of people that have achieved the thing but the community 0:13:28.600 --> 0:13:32.360 around you are like your family, your friends, your work friends, 0:13:32.360 --> 0:13:35.880 your work husband whoever, your partner, your children, building this 0:13:35.960 --> 0:13:39.720 community around you and sharing the things you're wanting to do, 0:13:40.360 --> 0:13:43.600 you know. So for example, I was telling my sisters 0:13:44.000 --> 0:13:47.160 I want us to go on a sister lunch date 0:13:47.200 --> 0:13:50.720 once a month. So one, that's still a financial choice. 0:13:50.760 --> 0:13:53.760 How much does that cost? How do we set that side? 0:13:53.920 --> 0:13:56.520 Maybe we have like a sister account where, like you know, 0:13:56.600 --> 0:13:58.360 the money goes there so that when when we pay, 0:13:58.679 --> 0:14:01.720 we're just paying with one bill, but we've all contributed 0:14:01.760 --> 0:14:03.280 to say like fifty bucks a month. I don't know, 0:14:03.360 --> 0:14:05.959 child right, I was just thinking that. I was like, okay, 0:14:06.480 --> 0:14:10.680 I want by December thirty. First that Tiffany says, like, 0:14:10.720 --> 0:14:12.880 oh my gosh, I had, Like I mean, I hang 0:14:12.880 --> 0:14:15.120 out my sisters all the time, but I intentionally had 0:14:15.120 --> 0:14:18.120 at least twelve sister lunch dates with my sisters this year. 0:14:18.520 --> 0:14:21.080 My friend Cabrell, who's one of my besties. Cabrel is 0:14:21.120 --> 0:14:24.360 definitely my fancy friend, and he has a list of 0:14:24.440 --> 0:14:26.960 places that he like. Cabrel's a foody, so he has 0:14:26.960 --> 0:14:29.920 this list called Tiffany Eats. So we will go and 0:14:30.040 --> 0:14:32.880 like to this really nice restaurant and eat good, honey, 0:14:33.040 --> 0:14:35.080 because leave it up to me. Your girl doesn't have 0:14:35.160 --> 0:14:37.880 a sophisticated pallet, at least not at first. But Cabrell 0:14:38.000 --> 0:14:40.080 be like, girl, we're not eating there. Get yourself together, 0:14:40.640 --> 0:14:44.000 like and so we have these amazing places that Cabrell, 0:14:44.120 --> 0:14:46.040 I'm like, how did you find this place? So I 0:14:46.040 --> 0:14:48.800 told Cabrell, Yo, I wanted on the calendar once a month, 0:14:49.560 --> 0:14:52.720 on the calendar, like every third Thursday of the month 0:14:52.760 --> 0:14:55.040 that we go out to dinner, or we choose a 0:14:55.040 --> 0:14:57.400 place off the Tiffany Eats list because you are liabily 0:14:57.480 --> 0:14:59.160 to get you are liable to get in the car 0:14:59.200 --> 0:15:01.440 with Cabrel end up in Delaware and we live in 0:15:01.440 --> 0:15:04.040 New Jersey. Hate don't mind driving. You're like, well, where 0:15:04.080 --> 0:15:06.360 we going to eat today? I was taking Rhode Island. 0:15:06.400 --> 0:15:09.680 You're like, what. But it's always fabulous, it's always fun, 0:15:09.680 --> 0:15:12.520 it's always a time, honey. But that's also a financial 0:15:12.600 --> 0:15:15.040 choice because how much does that cost? What does that 0:15:15.080 --> 0:15:17.280 look like? Because we take it, we take turns treating 0:15:17.320 --> 0:15:19.400 each other like I pay for one dinner, he picks 0:15:19.400 --> 0:15:21.360 for the next dinner. So what does that look like? 0:15:21.680 --> 0:15:25.040 You know? And so, but creating a community around you 0:15:25.480 --> 0:15:27.840 to share. I want to do this thing. I have 0:15:27.920 --> 0:15:30.520 something called Sunday Supper that I try to do. We 0:15:30.640 --> 0:15:32.600 used to do a monthly, but now I'm trying to 0:15:32.640 --> 0:15:35.120 do at least every other month. These are my family, 0:15:35.200 --> 0:15:37.840 my friends, my neighbors. I invite them to the house. 0:15:38.120 --> 0:15:42.720 I hire this amazing cook, chef Nishe that used to 0:15:42.720 --> 0:15:44.840 cook for Jirella and I when he was here, and 0:15:45.000 --> 0:15:48.240 Nisha will make food for Sunday Supper. And it's just 0:15:48.480 --> 0:15:52.080 literally like a mini Thanksgiving every other month. But that cost? 0:15:52.240 --> 0:15:55.280 What does that look like? You know? So these are 0:15:55.320 --> 0:15:57.640 the things like you know, but as I have a 0:15:57.680 --> 0:16:01.000 Sunday Supper group chat and we'll talk through it. Because 0:16:01.000 --> 0:16:04.280 building community around your hopes, goals and dreams hold you 0:16:04.320 --> 0:16:07.400 more accountable. So those are three things that will really 0:16:07.440 --> 0:16:11.760 help you to make your financial resolution stick. Is that 0:16:11.800 --> 0:16:15.440 you have to make it bigger than the resolution. One right, 0:16:15.520 --> 0:16:17.400 just for recap, because you know, I'm a teacher. Plan 0:16:17.520 --> 0:16:22.480 do review one right, identify your December thirty first self 0:16:22.720 --> 0:16:26.440 and what they want holistically and match the money to that. Two, 0:16:27.360 --> 0:16:30.360 get you some help, a guide whether it's made whole. 0:16:30.560 --> 0:16:34.440 My new book whether it's this podcast someone or a 0:16:34.520 --> 0:16:36.760 collection of someone that have accomplished the thing you want 0:16:36.760 --> 0:16:39.480 to accomplish, Let them help you through it, whether it's 0:16:39.520 --> 0:16:42.600 digitally or in person or whatever. And then three builds 0:16:42.600 --> 0:16:45.240 community around that life you want to live, that goal 0:16:45.280 --> 0:16:47.600 you want, and so they can hold you accountable and 0:16:48.160 --> 0:16:52.960 you can keep them updated on your progress. Okay, Well, 0:16:53.120 --> 0:16:55.240 hopefully that's a helpful child, because when we check in 0:16:55.280 --> 0:16:57.000 December thirty, first, honey, I want to be like I 0:16:57.080 --> 0:17:00.200 went here, I did this, I did Oh child to 0:17:00.240 --> 0:17:03.120 be a time I can already tell. My sister Tracy 0:17:03.360 --> 0:17:05.720 has already coined it. She said, twenty twenty four is 0:17:05.760 --> 0:17:09.760 gonna be a banner year. A banner year meaning an 0:17:09.840 --> 0:17:12.520 excellent year. My business is already cooking with grease, the 0:17:12.560 --> 0:17:16.040 budget stas making coin already. We started the month of 0:17:16.119 --> 0:17:22.159 January off strong. My personal life is looking cute, kai like, 0:17:22.200 --> 0:17:27.720 my family and my friends super connected. And yeah, I'm 0:17:27.720 --> 0:17:30.360 exploring the possibility of love again, don't ask me questions. 0:17:30.480 --> 0:17:34.480 I just said it because he'd be listening, hey anyway. 0:17:35.240 --> 0:17:37.320 And yeah, I just think twenty twenty four is gonna 0:17:37.320 --> 0:17:39.160 be a banner year, and it can be for you too, 0:17:39.520 --> 0:17:43.560 but it's intentional. These things happen intentionally, especially when you're grown. 0:17:44.080 --> 0:17:45.879 All right, let's take a break, and I'm gonna do 0:17:45.920 --> 0:17:49.119 a business question, honey, because y'all be asking me in 0:17:49.160 --> 0:17:52.119 the corments and I we'll see you back in a 0:17:52.160 --> 0:17:57.760 moment of as we pay some of these bills. I'm 0:17:57.920 --> 0:18:00.240 back and blacker than ever. First of all, if you're 0:18:00.240 --> 0:18:02.679 watching on YouTube, I'm not gonna lie. I'm loving this lip. 0:18:03.240 --> 0:18:05.920 This is a combo. The problem with me is this 0:18:05.960 --> 0:18:08.240 is my toxic trait. I will put together a lip 0:18:08.280 --> 0:18:10.679 with like a mix of like you know, like I 0:18:10.760 --> 0:18:12.840 use like a macliner. I couldn't tell you the name 0:18:13.840 --> 0:18:17.320 I use. It was a lip bar, which is a 0:18:17.320 --> 0:18:21.439 black on brand Hay Melissa Butler black on bland lip. 0:18:21.840 --> 0:18:23.119 I don't even know what they call. Not that it's 0:18:23.160 --> 0:18:26.760 not a lip gloss. It's not a lipstick child whatever 0:18:26.920 --> 0:18:29.919 you know, lip color. And then I added some like 0:18:30.040 --> 0:18:32.639 I don't know an N y X like in the middle. 0:18:33.040 --> 0:18:35.440 I'm loving this color. But asked me to recreate it. 0:18:35.840 --> 0:18:38.280 I can't because I forgot which ones I use. Anyway, 0:18:38.520 --> 0:18:41.240 So get into the lip color, come feeling myself. So 0:18:41.359 --> 0:18:44.439 we're back, right, for ba QA, and we're gonna do 0:18:44.520 --> 0:18:49.400 a business question for the second half. How do you 0:18:49.520 --> 0:18:53.240 plan to have a cause y'all know that one I mentor, 0:18:53.880 --> 0:18:55.600 the girl is in business, and some of the guys, 0:18:55.640 --> 0:18:59.440 Guy Lese. I've got about four thousand mentors over at 0:18:59.520 --> 0:19:03.359 my men Tour Tiffany dot com. It's like twenty bucks 0:19:03.359 --> 0:19:06.520 a month. We have a live session every month and 0:19:06.560 --> 0:19:09.000 you do a live session with just the mentees, and 0:19:09.000 --> 0:19:11.000 then we're also gonna be doing a live working session 0:19:11.119 --> 0:19:13.240 once a month, so you get three live sessions a month, 0:19:13.840 --> 0:19:16.720 and then all these tools and resources. Every Thursday, I 0:19:16.760 --> 0:19:19.000 share a tool or resource that has helped my business 0:19:19.040 --> 0:19:23.240 explode or at least stay alive. It's always awesome, sauce. 0:19:23.800 --> 0:19:26.199 It's my mentor Tiffany dot com, and we use this 0:19:26.480 --> 0:19:29.320 platform called Patreon. So there's a question that has come 0:19:29.400 --> 0:19:33.280 up because twenty twenty three was hard for so many businesses, 0:19:33.960 --> 0:19:37.560 so so many businesses, including my own. I had a 0:19:37.640 --> 0:19:41.080 rough year, you know, like I probably made like one 0:19:41.160 --> 0:19:43.960 third of what we used to make, Like and even 0:19:44.000 --> 0:19:46.199 the budgeonista like this is how bad the year was. 0:19:46.840 --> 0:19:51.760 Today I'm taking on Tuesday. Today is taxes Day, Like 0:19:51.840 --> 0:19:53.800 if you have a big enough business, you're supposed to 0:19:53.840 --> 0:19:57.320 pay taxes quarterly. So today is the quarterly tax payment 0:19:57.359 --> 0:20:00.919 that's due for the end of the year, the end 0:20:00.920 --> 0:20:02.760 of twenty twenty three, even though it's twenty twenty four, 0:20:02.760 --> 0:20:06.000 you pay it in January. So I hit up my CFO. 0:20:06.119 --> 0:20:08.080 I was a girl because usually she will send me 0:20:08.080 --> 0:20:10.480 the tax money because I have an LLC as corp, 0:20:10.720 --> 0:20:15.080 which means that the it's a pass through business. When 0:20:15.080 --> 0:20:17.879 you have an LLC, that means that although you have 0:20:17.920 --> 0:20:21.520 a business, the tax passes through to the individual, which 0:20:21.560 --> 0:20:24.280 I am the individual, which means when taxes are due, 0:20:24.320 --> 0:20:28.439 Tiffany has to pay taxes. So but I get my 0:20:28.480 --> 0:20:30.840 tax money from my business. So if I owe thirty 0:20:30.840 --> 0:20:32.840 thousand dollars this quarter, the business will give me the 0:20:32.840 --> 0:20:35.680 thirty and I give it to the government, the state 0:20:35.760 --> 0:20:38.280 and the federal government. So I was like, well, dang, 0:20:38.320 --> 0:20:41.440 this is odd because George, my CFO, is usually on it. 0:20:41.480 --> 0:20:43.960 So I messaged her, like, girl, you didn't give me 0:20:43.960 --> 0:20:47.440 my tax money for the budgetista girl? The girl said, 0:20:48.560 --> 0:20:50.240 what we made is what we spent. Girl, we ain't 0:20:50.240 --> 0:20:54.159 make no money. I'll say, say, what, ah right. So 0:20:54.280 --> 0:20:57.480 normally you pay taxes in a business on what's left over. 0:20:57.720 --> 0:20:59.800 So let's just say you made a million dollars now, 0:21:00.080 --> 0:21:02.960 but she spent a million. Ooh, you really supposed to 0:21:03.000 --> 0:21:05.160 pay tax on what's left over. There's nothing left over, 0:21:05.280 --> 0:21:07.280 so you don't pay taxes. If you made a million 0:21:07.880 --> 0:21:10.879 and you spend five hundred thousand, then you're going to 0:21:10.920 --> 0:21:14.240 pay taxes on the five hundred thousand. What we made 0:21:14.359 --> 0:21:16.960 is basically what we spent, because I did pay taxes 0:21:17.119 --> 0:21:19.680 throughout the year quarterly, but she basically like girl, we 0:21:19.720 --> 0:21:22.080 was like net net even aka, we didn't really make 0:21:22.119 --> 0:21:24.359 no money, you know, like I mean, of course, we 0:21:24.440 --> 0:21:27.199