WEBVTT - The Best BA QAs of the Year 0:00:00.880 --> 0:00:04.480 Hey, hey, ba fam, it's time for the b a 0:00:04.840 --> 0:00:07.880 qa A the v a q a what to say 0:00:08.039 --> 0:00:10.520 the v a q wait with manday, the v a 0:00:10.880 --> 0:00:14.840 q a the b a qa A. 0:00:14.880 --> 0:00:17.120 Happy holidays, ba fam. 0:00:17.440 --> 0:00:20.120 We're on the other side of Christmas now, and I 0:00:20.160 --> 0:00:23.119 hope that it was a beautiful holiday for y'all. Or 0:00:23.160 --> 0:00:25.319 if it wasn't, it's in the past, y'all, it's over. 0:00:25.480 --> 0:00:29.360 Let's move forward. Let's look ahead now. In this special 0:00:29.440 --> 0:00:31.680 episode of the ba Qa we're going to take a 0:00:31.680 --> 0:00:34.440 look back at some of our favorite questions of the year. 0:00:35.000 --> 0:00:36.960 I hope y'all enjoy it. Hope you just you know, 0:00:37.040 --> 0:00:39.960 can play this while you're you know, enjoying watching the 0:00:40.040 --> 0:00:43.440 kids run around with all those gifts, and hopefully maybe 0:00:43.479 --> 0:00:45.519 you're having a white Christmas. Whatever. 0:00:45.600 --> 0:00:49.440 I hope you're just having a season of rest and rejuvenation. 0:00:49.880 --> 0:00:52.400 And we put together this little show just for you. 0:00:52.760 --> 0:00:55.640 Thank you, ba fam, We love you, and we'll see 0:00:55.680 --> 0:00:56.440 you in the new year. 0:01:12.720 --> 0:01:16.240 It's time for the b a q a a to 0:01:16.360 --> 0:01:18.840 b a q a which to say, the b a 0:01:19.200 --> 0:01:21.280 q eight with Tiff and a the b a q 0:01:21.600 --> 0:01:26.760 a no, Manday, I am taking these questions. I'm answering 0:01:26.760 --> 0:01:29.480 today just in general from what the people have been asking, 0:01:29.560 --> 0:01:37.000 and the people say, bujaneta buganesta question. So I have 0:01:37.120 --> 0:01:42.119 these financial resolutions and it's not looking good, Queen, even 0:01:42.120 --> 0:01:44.960 though we're in week two. How do I stay on 0:01:45.120 --> 0:01:48.600 track for the year? Who has that question? Raise your hand? 0:01:48.640 --> 0:01:53.160 Raise your hand, right? I know I have that question sometimes, 0:01:53.520 --> 0:01:56.200 and so I have found a system, if you will, 0:01:56.520 --> 0:02:00.680 that allows me to stay on relative financial track for 0:02:00.760 --> 0:02:03.960 the year. Want to hear it? Hear it? Go first 0:02:03.960 --> 0:02:06.800 things first, you do have to kind of identify I 0:02:06.800 --> 0:02:10.400 don't necessarily do resolutions, but I do try to identify 0:02:10.760 --> 0:02:13.160 what goals financial goals I'd like to meet by the 0:02:13.240 --> 0:02:15.600 end of the year. But this is what I ask myself. 0:02:15.639 --> 0:02:20.000 I say, Tiffany January one, Tiffany, what would you like 0:02:20.120 --> 0:02:23.960 January thirty first Tiffany to look like? Where would you 0:02:24.040 --> 0:02:25.520 like for her to say? Ooh chi, I went on 0:02:25.560 --> 0:02:28.160 these trips. What would you like her to be wearing? 0:02:28.560 --> 0:02:29.720 You know, I was just looking at a pair of 0:02:29.760 --> 0:02:31.720 Jordan's today, these jordan Ones. I love the jordan Ones. 0:02:31.720 --> 0:02:34.400 They were red and black and white. I want her 0:02:34.440 --> 0:02:37.800 to be wearing those, right, what you know? What is 0:02:37.800 --> 0:02:39.520 she a last girl, because you see, I got me 0:02:39.520 --> 0:02:41.959 a little last one. Right now? Does she still have those? Okay? 0:02:43.120 --> 0:02:45.680 Has she finally moved into her condo she's been renovating forever. 0:02:47.760 --> 0:02:53.000 Has she eaten at certain restaurants m ou la la? 0:02:53.160 --> 0:02:55.360 Has she spent time with people she wanted to spend 0:02:55.440 --> 0:02:58.840 time with? What does January thirty one Tiffany look like? 0:02:59.480 --> 0:03:03.079 And then infuse financially? What does that mean for her 0:03:03.720 --> 0:03:05.440 or him? Right? Or they? 0:03:05.560 --> 0:03:05.720 Then? 0:03:06.000 --> 0:03:09.519 Right? What does that mean? Because this is more powerful 0:03:09.560 --> 0:03:13.040 than a resolution, because of the resolution is like, I'm 0:03:13.040 --> 0:03:16.840 gonna fix my crdit. That's great. What does that actually mean? 0:03:17.000 --> 0:03:22.080 I'm literally envisioning myself December thirty first, you know, not 0:03:22.160 --> 0:03:25.919 outside because child is ghetto on New Year's Eve and dangerous, 0:03:26.680 --> 0:03:30.160 the December thirty first, reflecting on my year that's passed. 0:03:30.639 --> 0:03:33.040 And I'm gonna actually because if you know me, you 0:03:33.080 --> 0:03:34.880 know I'm always cutting my locks, and I've cut them 0:03:34.880 --> 0:03:37.760 to the chin, I've cut them shorter. But for one thing, 0:03:37.800 --> 0:03:39.880 I'm like child, I'm actually gonna let my locks grow. 0:03:39.960 --> 0:03:43.280 So I imagine it's already like at Brawlink, and so I imagine 0:03:43.160 --> 0:03:45.200 they'll be like mid back and your girl's gonna be 0:03:45.200 --> 0:03:48.160 a mermaid. I also think I'm gonna keep the lashes up. 0:03:49.000 --> 0:03:51.640 I will have traveled. I know for a fact, I'm 0:03:51.680 --> 0:03:55.960 going to Africa. I'm going to go to Johannesburg and 0:03:56.000 --> 0:03:59.320 a few surrounding countries. Literally tomorrow, I leave for Puerto 0:03:59.360 --> 0:04:02.760 Rico with my sister. I Am. I just got back 0:04:02.760 --> 0:04:04.920 from South Carolina. Y'all never told me about the sea 0:04:04.960 --> 0:04:08.720 islands Gullah Gulla. It was so freaking beautiful. I was 0:04:08.800 --> 0:04:11.880 right on the Atlantic Ocean. It was moving right. So 0:04:12.320 --> 0:04:15.600 that's happening. My sisters just started taking pilates classes. It's 0:04:15.640 --> 0:04:19.040 forty dollars a class. I'm considering it. But do you see, 0:04:19.080 --> 0:04:23.240 like as I imagine January December thirty one, Tiffany, like 0:04:23.320 --> 0:04:26.320 I'm looking at her holistically and then I'm attaching the 0:04:26.360 --> 0:04:30.280 financial goals to that holistic life. Does that make sense? Right? 0:04:30.720 --> 0:04:30.840 Like? 0:04:30.880 --> 0:04:33.400 What do I want for her? I want to have travel. 0:04:33.839 --> 0:04:35.960 You know, I don't necessarily want to lose weight, but 0:04:36.080 --> 0:04:39.080 certainly I would like my body to be tighter, little 0:04:39.120 --> 0:04:42.240 more snatched to the wakes. Okay, because I'm bringing in 0:04:42.279 --> 0:04:44.960 forty five, I want to be given forty five grown 0:04:45.000 --> 0:04:48.279 woman energy, but the body of thirty maybe not thirty 0:04:48.320 --> 0:04:51.480 because thirty I was too skinny. Thirty five, thirty seven, No, 0:04:52.279 --> 0:04:54.560 just tighter than what I am now. I still give 0:04:54.600 --> 0:04:58.320 it key though, right, But I literally am asking myself, 0:04:58.320 --> 0:05:00.840 how do I want to show up on the last 0:05:00.920 --> 0:05:03.159 day of the year, and what does that look like? 0:05:03.200 --> 0:05:04.800 What I have to do now, and how does that 0:05:04.839 --> 0:05:07.359 tie into my financial life? Is there money that I 0:05:07.400 --> 0:05:10.000 have to save? Are there trips that I have to book? 0:05:10.600 --> 0:05:12.920 Maybe I need to lean in, Like literally, I'm going 0:05:12.960 --> 0:05:16.840 to Dubai in February. Your girls outside outside here go 0:05:17.200 --> 0:05:20.200 catch this to my trips in the month of January, 0:05:20.800 --> 0:05:23.520 South Carolina. I started off with their doing Karen Hunter. 0:05:23.600 --> 0:05:27.760 She's got this awesome podcast. She had this Healthy, Wealthy 0:05:27.800 --> 0:05:33.280 Wise conference, which was inpecably done. I started there. I 0:05:33.320 --> 0:05:35.240 go to Puerto Rico. I just got back on Sunday. 0:05:35.279 --> 0:05:39.040 I go to Puerto Rico tomorrow to celebrate my sister's 0:05:39.040 --> 0:05:44.679 fortieth Hey, haroyl, that's roman A Milia's mama Inanda. Because 0:05:44.760 --> 0:05:47.680 my friend Rachel Rogers is having her ROI conference as 0:05:47.760 --> 0:05:49.920 she has every year in Puerto Rico. So we're gonna 0:05:49.960 --> 0:05:53.159 I'm gonna go to the conference but also enjoy pr 0:05:53.440 --> 0:05:57.120 Okay and Dean. The week after that, I have to 0:05:57.120 --> 0:05:59.760 go to Boston cause I'm taping this huge podcast. Y'all 0:05:59.800 --> 0:06:02.720 heard it. Mel Robbins, you know you have Okay, I'm 0:06:02.760 --> 0:06:04.960 taking her podcast. It's in Boston, So I'll be flying 0:06:05.000 --> 0:06:08.440 out to do that. Indean, I got booked to do 0:06:08.480 --> 0:06:12.040 this gig in la a week after that, and so 0:06:12.240 --> 0:06:14.400 I might We'll see how long I stay because I 0:06:14.440 --> 0:06:18.000 have some friends in La hey Evon and my cousin Chris, 0:06:18.000 --> 0:06:19.440 so maybe I'll stay a couple of days to hang 0:06:19.440 --> 0:06:21.800 out with them, and then two weeks. Then the week 0:06:21.839 --> 0:06:24.000 after that, I'm going to be going to DC to 0:06:24.040 --> 0:06:29.080 see my friends. And so that's happened in DC. And 0:06:29.080 --> 0:06:32.279 then the week after that, I go to Dubai for 0:06:32.360 --> 0:06:38.080 this Mastermind. And during this Mastermind, my friend Terry is 0:06:38.080 --> 0:06:40.280 going to be there. She said, I've always wanted to 0:06:40.320 --> 0:06:43.200 go to Singapore. I said, okay, girl, so we are 0:06:43.200 --> 0:06:46.839 going to go to Singapore the Mastermind for Dubai. It's 0:06:46.880 --> 0:06:48.680 just two days. But who goes all the way to 0:06:48.800 --> 0:06:51.200 Dubai just to stay for two days? Not me? So 0:06:51.279 --> 0:06:56.240 I'm going to be in a way for about ten days, 0:06:56.560 --> 0:06:59.200 and so we're gonna spend time in Dubai and then 0:06:59.200 --> 0:07:01.520 spend time as saying, and then bring myself on home. 0:07:01.720 --> 0:07:06.200 That's just January February. Your girl is what outside? So 0:07:06.400 --> 0:07:10.040 as I think of December thirty one, Tiffany, she has 0:07:10.160 --> 0:07:12.960 been well traveled, right, I didn't even talk about May 0:07:13.000 --> 0:07:15.160 when I go to Africa, when I go to Johannesburg 0:07:15.200 --> 0:07:17.640 and the surrounding countries. Right, I even book all the 0:07:17.720 --> 0:07:20.960 other things I plan on doing. Okay, but in order 0:07:21.000 --> 0:07:23.480 to do that, I am currently looking at one my 0:07:23.600 --> 0:07:27.880 finances two points. I'm literally like I was watching YouTube 0:07:27.920 --> 0:07:31.640 videos today about the best way to modeem points because 0:07:31.640 --> 0:07:34.120 I got a lot of NX points, gotta United, a 0:07:34.480 --> 0:07:38.240 lot of United Airline points, some Chase Venture Card points 0:07:38.560 --> 0:07:41.360 and so but do you see that? Like, I don't 0:07:41.360 --> 0:07:43.680 want you to think of your December thirty first self 0:07:44.040 --> 0:07:46.000 just from a financial place. I want you to think 0:07:46.040 --> 0:07:48.560 of like, how will you show up holistically and then 0:07:48.600 --> 0:07:51.160 match your money to that. That's how you stick to 0:07:51.200 --> 0:07:55.560 the quote unquote resolutions, because resolutions are dry, honey and ashy, 0:07:55.880 --> 0:07:59.880 but if you make them about your holistic, wonderful life, 0:08:00.040 --> 0:08:02.520 then you say, hey, money catch up. I need you 0:08:02.560 --> 0:08:04.400 to do this, honey, I need you to give this. 0:08:04.840 --> 0:08:07.480 We need to give savings, we need to give pay 0:08:07.520 --> 0:08:10.080 down this credit card debt, we need to give maximize 0:08:10.080 --> 0:08:12.720 these points. Do you see? Do you see? Do you see? 0:08:12.880 --> 0:08:16.160 We need to give strong credit score. And so that's 0:08:16.160 --> 0:08:18.200 what I do first and foremost in order to stick 0:08:18.240 --> 0:08:22.040 to my quote unquote resolutions, is that I make it 0:08:22.120 --> 0:08:24.520 about a bigger life, not just about the money. And 0:08:24.520 --> 0:08:26.720 then I match the money to the life. I don't 0:08:26.720 --> 0:08:29.560 try to match my life to the money. That's one. 0:08:29.920 --> 0:08:33.640 Then two, one of the things I do is I 0:08:33.720 --> 0:08:37.680 look for help. I look to you. Is that windy 0:08:38.000 --> 0:08:44.319 I look Whitney, right, I look to you when I 0:08:44.320 --> 0:08:46.760 don't even know the song. But it's a cute song. 0:08:46.880 --> 0:08:49.679 I just don't have a great voice anyway, right. So 0:08:50.120 --> 0:08:52.440 one of the things I have learned in my almost 0:08:52.480 --> 0:08:54.199 forty five years of life. Well, I'm gonna say almost 0:08:54.200 --> 0:08:56.640 forty five because my birthday's not in October, so we're 0:08:56.640 --> 0:08:58.839 gonna live this cute forty four. I mean, some of 0:08:58.920 --> 0:09:00.960 y'all be hung up about a not me girl because 0:09:01.000 --> 0:09:05.439 you see the skin botox and feeler free still looking 0:09:05.520 --> 0:09:09.240 like what I'm giving. I feel like I look in 0:09:09.320 --> 0:09:11.600 my forties, which is great, but I feel like I 0:09:11.640 --> 0:09:13.920 look like in acute in my forties. Okay. The body 0:09:13.920 --> 0:09:15.400 is still boding and the face is still faced, and 0:09:15.400 --> 0:09:22.000 the skin is still skinning. Guy. Okay, So so I'm 0:09:22.000 --> 0:09:24.560 always looking for help. So in my years of living, 0:09:24.679 --> 0:09:27.520 I have learned the fastest way to get from where 0:09:27.520 --> 0:09:30.559 you are to where you want to be is typically 0:09:30.600 --> 0:09:33.600 through someone else. Because girl, why we learn a new 0:09:33.640 --> 0:09:36.760 lessons when the lessons have been learned and written about 0:09:36.920 --> 0:09:40.880 and podcast about and blogged about. Okay. So for example, 0:09:40.960 --> 0:09:45.000 I'm like, hey, I've never flown Emirates or Qatar, and 0:09:45.040 --> 0:09:47.400 I've heard they're really beautiful, and I want to fly 0:09:48.000 --> 0:09:49.800 like to when I go to Dubai. I want to 0:09:49.960 --> 0:09:53.560 have that luxury experience business or first class, that luxury experience. 0:09:53.720 --> 0:09:56.760 I mean, I've flowed obviously first class and this is before, 0:09:57.160 --> 0:09:59.880 but those are supposed to be very high upscale airlines. 0:10:00.040 --> 0:10:05.160 So I'm currently like in these AMEX groups learning through people, 0:10:05.240 --> 0:10:08.200 how do I maximize the points that I have in 0:10:08.280 --> 0:10:10.280 order to not have to pay for that? Girl? Because Baye, 0:10:11.559 --> 0:10:16.760 So through someone else you get to maximize the lessons 0:10:16.800 --> 0:10:19.120 that you want to learn. Why should you learn from scratch? 0:10:19.120 --> 0:10:22.440 That's why you're here listening to about ambition. If you 0:10:22.679 --> 0:10:25.040 want to do anything that has anything to do with 0:10:25.080 --> 0:10:31.320 financial holeness, that's budgeting, savings, debt, credit, income, investing for 0:10:31.400 --> 0:10:36.199 both retirement and wealth, your net worth, insurance, your financial 0:10:36.240 --> 0:10:39.640 team and estate planning. Any of those ten things. Child, 0:10:39.679 --> 0:10:41.640 That's why I wrote the book Made Whole. It's the 0:10:41.679 --> 0:10:44.680 workbook version of get good with money, right, and so 0:10:44.880 --> 0:10:48.000 looking for guidance. Do not do it alone. Money is 0:10:48.000 --> 0:10:52.000 a team sport. So finding people, tools and resources to 0:10:52.280 --> 0:10:56.240 help you get to the goal, the financial goal that 0:10:56.320 --> 0:10:59.080 you need to live the life that your January thirty 0:10:59.120 --> 0:11:01.040 first self is, like I I did? 0:11:01.080 --> 0:11:01.320 That? 0:11:01.679 --> 0:11:05.800 Does that make sense? So one identify your January thirty 0:11:05.840 --> 0:11:07.520 first self. What they fin to say about how the 0:11:07.600 --> 0:11:11.640 year went? Cute? Two, get yourself a guide While you 0:11:11.640 --> 0:11:14.040 out here by yourself, it's getto out here, go ahead. 0:11:14.080 --> 0:11:15.920 Get you a partner. When I used to teach free school, 0:11:15.920 --> 0:11:18.160 we would always tell the kids hold your partner's hand. 0:11:18.440 --> 0:11:20.640 Why you would have to hold your partner's hand, because 0:11:20.679 --> 0:11:22.760 if you was missing, one of these kids is gonna 0:11:22.760 --> 0:11:24.880 be like my partner's missing, and I could be like, Jahim, 0:11:24.920 --> 0:11:28.080 where are you sir? Why are you always behind? Right? 0:11:28.120 --> 0:11:31.680 So get yourself a partner. I love an accountability partner. 0:11:31.679 --> 0:11:33.880 So that's like a little friend friend that's going to 0:11:34.000 --> 0:11:36.880 walk you through well, that will walk with you on 0:11:36.920 --> 0:11:40.160 your journey. They don't have to know personal finance, but 0:11:40.200 --> 0:11:42.439 they're there to cheer you on and hold you accountable 0:11:42.480 --> 0:11:45.880 and support you and share their goals too. Right, But 0:11:45.920 --> 0:11:48.280 then you find somebody that's done the thing you're wanting 0:11:48.320 --> 0:11:51.240 to do. Like I don't know everything. I lean into 0:11:51.240 --> 0:11:54.959 my financial advisor Anjulie for certain things. I lean into 0:11:55.080 --> 0:11:59.760 my peers. You hear me talk about Cabrella a lot, 0:12:00.040 --> 0:12:02.680 one of my business peers that I bounce things off of. 0:12:02.720 --> 0:12:05.760 My friend Brandess of HFR, I bounced things off for her. 0:12:06.120 --> 0:12:09.640 I mean into my mentors Lynnette Coyle, Boddy Cox, Sondra 0:12:09.720 --> 0:12:16.240 Davis of what is it? Sage Financial Right, and so like, 0:12:16.320 --> 0:12:20.199 these are my mentors. And so I am quick to 0:12:20.280 --> 0:12:22.480 raise my hand and say I need help. Let's get 0:12:22.520 --> 0:12:25.240 good at that. I need help. I don't know, And 0:12:25.280 --> 0:12:29.199 it's okay finding those people that are doing the thing 0:12:29.240 --> 0:12:32.760 you're wanting to do and then following their lead. Some 0:12:32.800 --> 0:12:35.520 people you'll know personally and some people just follow digitally. 0:12:35.600 --> 0:12:38.640 That's fine, okay, So if you want the book, honey, 0:12:38.640 --> 0:12:40.640 go ahead and made whole workbook can certainly help me 0:12:40.720 --> 0:12:43.600 with the financial part. So that's the second part and 0:12:43.679 --> 0:12:48.640 the third part of keeping these financial resolutions is building 0:12:48.640 --> 0:12:51.959 a community around you. We work best in community. So 0:12:52.320 --> 0:12:56.080 when I said, like looking for guidance, that's typically a 0:12:56.200 --> 0:12:59.320 person or a number of people that have achieved the thing. 0:12:59.720 --> 0:13:03.800 But the community around you are like your family, your friends, 0:13:03.840 --> 0:13:06.959 your work friends, your work husband, whoever, your partner, your children. 0:13:07.559 --> 0:13:11.160 Building this community around you and sharing the things you're 0:13:11.200 --> 0:13:14.880 wanting to do, you know. So for example, I was 0:13:14.920 --> 0:13:17.320 telling my sisters, I want us to go on a 0:13:17.360 --> 0:13:22.040 sister lunch date once a month. So one that's still 0:13:22.040 --> 0:13:24.920 a financial choice. How much does that cost? How do 0:13:25.000 --> 0:13:27.280 we set that side? Maybe we have like a sister 0:13:27.360 --> 0:13:29.679 account where, like you know, the money goes there, so 0:13:29.760 --> 0:13:32.240 that one when we pay, we're just paying with one bill, 0:13:32.800 --> 0:13:35.080 but we've all contributed to say like fifty bucks a month. 0:13:35.120 --> 0:13:37.320 I don't know, child, right, I was just thinking that. 0:13:37.400 --> 0:13:41.520 I was like, okay, I want by December thirty. First 0:13:41.559 --> 0:13:44.320 that Tiffany says, like, oh my gosh, I had Like 0:13:44.520 --> 0:13:46.240 I mean, I hang out my sisters all the time, 0:13:46.280 --> 0:13:49.160 but I intentionally had at least twelve sister lunch dates 0:13:49.160 --> 0:13:51.640 with my sisters this year. My friend Cabrell, who's one 0:13:51.679 --> 0:13:55.160 of my besties. Cabrel is definitely my fancy friend, and 0:13:55.320 --> 0:13:58.000 he has a list of places that he like. Cabrel's 0:13:58.040 --> 0:14:00.400 a foody, so he has this list called Tiffany Eats. 0:14:00.679 --> 0:14:03.320 So we will go and like to this really nice 0:14:03.360 --> 0:14:06.160 restaurant and eat good, honey, because leave it up to me. 0:14:06.520 --> 0:14:09.120 Your girl doesn't have a sophisticated pallet, at least not 0:14:09.200 --> 0:14:11.400 at first. But cabro be like, girl, we're not eating there. 0:14:11.440 --> 0:14:15.440 Get yourself together, like and so we have these amazing 0:14:15.440 --> 0:14:17.760 places that Cabra, I'm like, how did you find this place? 0:14:18.000 --> 0:14:19.800 So I told Cabrell, yo, I want it on the 0:14:19.840 --> 0:14:23.360 calendar once a month, on the calendar, like every third 0:14:23.960 --> 0:14:26.040 Thursday of the month that we go out to dinner 0:14:26.360 --> 0:14:28.560 or we choose a place off the Tiffany Eats list. 0:14:28.760 --> 0:14:30.840 Because you are liabily to get you are liable to 0:14:30.880 --> 0:14:32.560 get in a car with Cabrel and end up in 0:14:32.600 --> 0:14:35.320 Delaware and we live in New Jersey. Hat don't mind driving. 0:14:35.640 --> 0:14:37.480 You're like, wellhe are we gonna eat to them? I 0:14:37.600 --> 0:14:41.320 was taking Rhode Island. You're like, what, But it's always fabulous, 0:14:41.320 --> 0:14:43.920 it's always fun, it's always a time, honey. But that's 0:14:43.920 --> 0:14:46.240 also a financial choice because how much does that cost? 0:14:46.840 --> 0:14:48.560 What does that look like? Because we take it, we 0:14:48.640 --> 0:14:51.200 take turns treating each other. Like I pay for one dinner, 0:14:51.240 --> 0:14:53.040 he picks for the next dinner. So what does that 0:14:53.120 --> 0:14:56.640 look like? You know? And so but creating a community 0:14:56.680 --> 0:14:59.480 around you to share. I want to do this thing. 0:15:00.000 --> 0:15:02.360 I have something called Sunday Supper that I try to do. 0:15:02.600 --> 0:15:04.760 We used to do a monthly, but now I'm trying 0:15:04.760 --> 0:15:07.320 to do at least every other month. These are my family, 0:15:07.400 --> 0:15:10.040 my friends, my neighbors. I invite them to the house. 0:15:10.320 --> 0:15:14.880 I hire this amazing cook, chef Nishe that used to 0:15:14.880 --> 0:15:17.040 cook for Jarella and I when he was here. And 0:15:17.200 --> 0:15:20.440 Nisha will make food for Sunday Supper. And it's just 0:15:20.680 --> 0:15:23.880 literally like a mini Thanksgiving every other month. But that 0:15:24.000 --> 0:15:27.320 cost what does that look like? You know? So these 0:15:27.360 --> 0:15:29.720 are the things like you know, But as I have 0:15:29.760 --> 0:15:32.800 a Sunday Supper, group chat and we'll talk through it. 0:15:32.880 --> 0:15:36.320 Because building community around your hopes, goals and dreams hold 0:15:36.360 --> 0:15:39.160 you more accountable. So those are three things that will 0:15:39.240 --> 0:15:43.800 really help you to make your financial resolution stick. Is 0:15:43.800 --> 0:15:45.640 that you have to make it bigger than the resolution. 0:15:46.240 --> 0:15:49.080 One right, just for recap, because you know I'm a teacher. 0:15:49.320 --> 0:15:54.280 Plan do review one right, identify your December thirty first 0:15:54.320 --> 0:15:57.200 self and what they want holistically, and match the money 0:15:57.240 --> 0:16:01.680 to that. Two, get you some help a guide, whether 0:16:01.720 --> 0:16:05.200 it's made whole, my new book, whether it's this podcast 0:16:05.560 --> 0:16:08.400 someone or is a collection of someone that have accomplished 0:16:08.440 --> 0:16:10.440 the thing you want to accomplish, Let them help you 0:16:10.520 --> 0:16:13.520 through it, whether it's digitally or in person or whatever. 0:16:13.800 --> 0:16:16.760 And then three builds community around that life you want 0:16:16.800 --> 0:16:18.880 to live, that goal you want and so they can 0:16:18.880 --> 0:16:21.520 hold you accountable and you can keep them updated on 0:16:21.560 --> 0:16:26.880 your progress. Okay, well, hopefully that's a helpful, child, because 0:16:26.920 --> 0:16:28.840 when we check in December thirty first, honey, I want 0:16:28.840 --> 0:16:30.720 to be like I went here, I did this, I 0:16:30.760 --> 0:16:32.920 did Oh child, it's going to be a time. I 0:16:32.920 --> 0:16:36.600 can already tell. My sister Tracy has already coined it. 0:16:36.680 --> 0:16:38.480 She said, twenty twenty four is going to be a 0:16:38.720 --> 0:16:43.080 banner year. A banner year meaning an excellent year. My 0:16:43.120 --> 0:16:45.440 business is already cooking with grease. The budget is stas 0:16:45.480 --> 0:16:49.320 making coin already. We started the month of January off strong. 0:16:49.920 --> 0:16:54.840 My personal life is looking cute, kai like my family, 0:16:54.880 --> 0:17:01.000 my friends super connected, and yeah for the possibility of 0:17:01.040 --> 0:17:03.200 love again, don't ask me questions. I just said it 0:17:04.280 --> 0:17:08.240 because he'd be listening, hey anyway. And yeah, I just 0:17:08.240 --> 0:17:10.240 think twenty twenty four is going to be a banner year, 0:17:10.280 --> 0:17:12.919 and it can be for you too. But it's intentional. 0:17:13.359 --> 0:17:16.800 These things happen intentionally, especially when you're grown. All right. 0:17:19.880 --> 0:17:23.359 So this is from Nelly from ig Hi Mandy, hope 0:17:23.359 --> 0:17:26.480 you well girl. I'm here too, But that's okay because. 0:17:26.240 --> 0:17:28.639 We don't stop. Everyone's always like, hey, tell me and 0:17:28.680 --> 0:17:29.080 that girl. 0:17:30.880 --> 0:17:33.159 I wouldn't because you know best that this is a 0:17:33.160 --> 0:17:37.760 Mandy question. But either way, hey girl, I'm just saying, Hi, yeah, question. 0:17:38.160 --> 0:17:41.080 I'm looking to interview very soon for a new opportunity 0:17:41.119 --> 0:17:44.680 at my current company, different department. It would be a promotion, 0:17:44.880 --> 0:17:47.919 and I have most of the required skills, plus finish 0:17:47.960 --> 0:17:50.760 my master's in twenty twenty one. Go ahead, girl, How 0:17:50.800 --> 0:17:53.520 can I go about getting the absolute max amount of 0:17:53.520 --> 0:17:57.840 money since they that have access to my salary history. FYI, 0:17:57.920 --> 0:18:00.080 the range is up to one hundred and fifty six 0:18:00.800 --> 0:18:04.800 and I'm at one twenty three currently. They require a 0:18:04.960 --> 0:18:08.520 salary expectation entry. When I applied, I said one fifty 0:18:08.720 --> 0:18:11.679 just in case they negotiated me. Damn, let me know 0:18:11.840 --> 0:18:15.600 if you have any tips. Loving everything you're doing, Thanks, Nelly, 0:18:16.520 --> 0:18:17.320 this is a good question. 0:18:18.160 --> 0:18:19.120 What do I want to start saying? 0:18:19.240 --> 0:18:19.680 Hot and hair? 0:18:19.720 --> 0:18:24.440 I don't know why. Oh no, let's do it again 0:18:24.520 --> 0:18:28.240 hot in here, So make sure you get all your coint. 0:18:29.160 --> 0:18:36.440 Okay right anyway, listen, Nellie. First of all, congratulations, because 0:18:36.440 --> 0:18:38.880 I feel like this is a really exciting opportunity and 0:18:39.040 --> 0:18:41.199 to work at a company where you can apply to 0:18:41.240 --> 0:18:44.879 another department, it's awesome. And I feel like when people 0:18:44.920 --> 0:18:47.919 think about quitting a role for a new opportunity, you 0:18:47.960 --> 0:18:50.040 sometimes think like you have to go outside the company. 0:18:50.640 --> 0:18:52.679 But I'm a huge fan of pivoting in place, like 0:18:52.680 --> 0:18:54.639 that's what I call it. When you find a growth 0:18:54.640 --> 0:18:59.000 opportunity right where you are, and your mindset is really 0:18:59.000 --> 0:19:01.520 important here and this is the thing where you know 0:19:01.600 --> 0:19:03.320 what you make and you're kind of letting that kind 0:19:03.320 --> 0:19:05.600 of get to you a little bit. I would treat 0:19:05.640 --> 0:19:08.960 this new department like another company. So anything that you 0:19:09.000 --> 0:19:11.600 would do if you were interviewing for an outside company, 0:19:11.680 --> 0:19:14.760 I would do, you know, I would go in there 0:19:14.800 --> 0:19:19.040 strong and establish, you know, your credentials and how excited 0:19:19.080 --> 0:19:22.719 you are for the opportunity. You've already mentioned a salary 0:19:22.720 --> 0:19:24.359 at least it was a sort of the top of 0:19:24.400 --> 0:19:27.000 the range. You mentioned one fifty. I typically would have said, 0:19:27.040 --> 0:19:31.639 you know, put you know competitive, or put zero or 0:19:31.640 --> 0:19:33.520 put one dollar, whatever it is in the field, so 0:19:33.560 --> 0:19:36.159 that you don't have to necessarily name a number. But 0:19:36.320 --> 0:19:40.000 I think that you should go in there definitely expecting 0:19:40.080 --> 0:19:43.400 to get paid what the value of the job is, 0:19:43.520 --> 0:19:46.919 especially if it is a promotion. You have most of 0:19:46.920 --> 0:19:49.280 the skills, like you said, and you now have a 0:19:49.359 --> 0:19:53.159 master's degree. So if you were thinking about the salary 0:19:53.200 --> 0:19:55.480 that you have now holding you back, this is a 0:19:55.520 --> 0:19:58.840 whole different job. You know, it's a step up, probably 0:19:58.840 --> 0:20:02.800 more responsibility. What may help you feel more confident going 0:20:02.800 --> 0:20:06.200 in and asking for your value is to find comparable 0:20:06.320 --> 0:20:09.199 roles at comparable companies. Those are the two comps. You 0:20:09.200 --> 0:20:13.119 want to have similar company and a similar role and 0:20:13.400 --> 0:20:16.440 see what types of salaries they're offering as well, and 0:20:16.480 --> 0:20:19.720 then again think of them as an outside employer who 0:20:19.760 --> 0:20:23.560 doesn't necessarily know your current salary, and negotiate from that space. 0:20:23.920 --> 0:20:26.640 It's not about what you're earning now, it's about the 0:20:26.680 --> 0:20:31.280 market value. Excuse me. It's about the market value of 0:20:31.840 --> 0:20:34.760 a candidate for this specific role that you're applying for. 0:20:35.480 --> 0:20:37.719 So don't go in there thinking one twenty three vibes. 0:20:37.800 --> 0:20:42.080 Think one fifty six. Okay, think hi. And you also 0:20:42.200 --> 0:20:44.720 know that you're not probably just making one twenty three. 0:20:44.760 --> 0:20:46.960 You also have to factor in your annual bonus on 0:20:47.000 --> 0:20:50.320 top of that, you know, so don't forget that you 0:20:50.320 --> 0:20:53.000 can still negotiate those types of things like your annual 0:20:53.040 --> 0:20:56.280 bonus amount. If they offer you equity at your company, 0:20:56.320 --> 0:21:00.800 you should still feel confident negotiating equity when you get 0:21:00.840 --> 0:21:03.320 to that point, like you've just applied now and you 0:21:03.320 --> 0:21:06.240 put in your salary expectation, which is cool. Now, the 0:21:06.320 --> 0:21:08.880 key is everything that's going to happen before the negotiation, 0:21:09.000 --> 0:21:11.159 which is you really want to make them excited to 0:21:11.240 --> 0:21:14.840 hire you. You already know the company, but what other 0:21:14.880 --> 0:21:17.480 strengths do you bring to the table, Like how well, 0:21:17.520 --> 0:21:20.919 do you understand the challenges the pain points of the 0:21:20.920 --> 0:21:23.119 team that you're joining. Do you have any connections on 0:21:23.160 --> 0:21:25.639