1
00:00:00,480 --> 00:00:03,600
Speaker 1: Hey, ba fan, we got another throwback episode for you.

2
00:00:03,720 --> 00:00:06,240
Speaker 1: In fact, happy throwback Monday. We're going to make that

3
00:00:06,320 --> 00:00:09,600
Speaker 1: a thing, Okay. In this how to episode, we dug

4
00:00:09,720 --> 00:00:13,039
Speaker 1: up from the archives of Brown Ambition. We are talking

5
00:00:13,080 --> 00:00:16,560
Speaker 1: about how to finally Get Good with Money. We talk

6
00:00:16,600 --> 00:00:21,360
Speaker 1: about Tiffany's groundbreaking New York Times best selling book Get

7
00:00:21,400 --> 00:00:24,360
Speaker 1: Good with Money, that continues to fly off the shelves. Y'all.

8
00:00:24,400 --> 00:00:28,319
Speaker 1: She sells probably more books in a single week three

9
00:00:28,400 --> 00:00:31,560
Speaker 1: years after her book launch than most authors will sell

10
00:00:31,560 --> 00:00:34,199
Speaker 1: in their first year. Okay, let that sink in. That

11
00:00:34,320 --> 00:00:37,600
Speaker 1: is the force of nature that Tiffany is. And how

12
00:00:37,640 --> 00:00:39,360
Speaker 1: good this damn book is?

13
00:00:39,440 --> 00:00:39,839
Speaker 2: Okay.

14
00:00:40,440 --> 00:00:42,480
Speaker 1: On this episode, we're going to talk about the core

15
00:00:42,560 --> 00:00:45,519
Speaker 1: principles of financial wholeness that she covers in the book.

16
00:00:45,840 --> 00:00:48,360
Speaker 1: I even take the financial Wholeness quiz to see how

17
00:00:48,360 --> 00:00:51,880
Speaker 1: whole I am. And plus we ask and answer a

18
00:00:52,000 --> 00:00:54,880
Speaker 1: question should you drain your savings to pay off debt?

19
00:00:55,280 --> 00:00:58,040
Speaker 1: All of this and more in this episode of b

20
00:00:58,240 --> 00:00:59,080
Speaker 1: a throwback.

21
00:01:15,480 --> 00:01:28,440
Speaker 3: Hey, Hey, hey, we're back. We're black, We're blue bound,

22
00:01:30,000 --> 00:01:31,479
Speaker 3: am bitch.

23
00:01:32,720 --> 00:01:34,120
Speaker 2: We're having a book, y'all.

24
00:01:34,280 --> 00:01:36,240
Speaker 3: What we are having a book? So I have to

25
00:01:36,240 --> 00:01:41,080
Speaker 3: give you guys the epic. Hey, Hey, hey, oh my gosh, Mandra, yes, this.

26
00:01:40,959 --> 00:01:45,080
Speaker 2: Is your week. My baby's here, my reel's.

27
00:01:44,720 --> 00:01:52,920
Speaker 3: Here, Oh my, go's a book. I know it feels

28
00:01:52,960 --> 00:01:57,680
Speaker 3: surreal because I went into Barnes and Nobles today and

29
00:01:58,400 --> 00:02:00,400
Speaker 3: at first I didn't see it and then I saw

30
00:02:00,480 --> 00:02:03,400
Speaker 3: it and I was like, you know, I do not

31
00:02:03,520 --> 00:02:07,000
Speaker 3: explain it, but I'll just say this that eleven or

32
00:02:07,040 --> 00:02:10,320
Speaker 3: twelve years ago whatever, like my first book, One Week Budget,

33
00:02:10,320 --> 00:02:13,040
Speaker 3: which I self published, came out. I went to Barnes

34
00:02:13,040 --> 00:02:15,239
Speaker 3: and Nobles and because a friend of mine was like,

35
00:02:15,240 --> 00:02:17,080
Speaker 3: I got a new camera. Do you have pictures? And

36
00:02:17,120 --> 00:02:18,640
Speaker 3: I was like no, He's like, you want pictures. I

37
00:02:18,680 --> 00:02:21,000
Speaker 3: was like, I guess. So my roommate at the time,

38
00:02:21,040 --> 00:02:22,919
Speaker 3: because you know sisters broke, I was living in a room,

39
00:02:23,000 --> 00:02:27,360
Speaker 3: so literally roommates at the time. Lauren was a budding

40
00:02:27,400 --> 00:02:29,920
Speaker 3: makeup artist and I was like, Lauren, Ricky bought a

41
00:02:29,960 --> 00:02:32,040
Speaker 3: camera and he said he wants to take pictures, and

42
00:02:32,080 --> 00:02:33,880
Speaker 3: he said, bring my books to Barnes and Nobles. I

43
00:02:33,880 --> 00:02:35,880
Speaker 3: didn't know what he had in mind. And I think

44
00:02:35,919 --> 00:02:38,760
Speaker 3: I'm going to bring my favorite almost church dress but

45
00:02:38,960 --> 00:02:41,440
Speaker 3: looks on professional dress. Can you do my face, and

46
00:02:41,520 --> 00:02:43,560
Speaker 3: she was like, sure, I don't know why we didn't

47
00:02:43,600 --> 00:02:45,079
Speaker 3: do faces at home, but we did it in the

48
00:02:45,120 --> 00:02:46,960
Speaker 3: bathroom at Barnes and Nobles. And I got dressed in

49
00:02:46,960 --> 00:02:47,480
Speaker 3: the bathroom.

50
00:02:47,720 --> 00:02:52,520
Speaker 1: Bar's not even in the car, just in the nasty bathroom. Yes.

51
00:02:52,800 --> 00:02:56,360
Speaker 3: And so I came out and put like eleven books

52
00:02:56,400 --> 00:03:00,000
Speaker 3: on the shelf, and Ricky with his new big camera,

53
00:03:00,400 --> 00:03:06,640
Speaker 3: proceeded to snep and I'm ever thinking. I didn't even think, like,

54
00:03:06,720 --> 00:03:09,120
Speaker 3: is this allowed? It wasn't because the manager comes over

55
00:03:09,200 --> 00:03:11,560
Speaker 3: and says, you can't do that, you cannot do that.

56
00:03:11,600 --> 00:03:15,560
Speaker 3: I was like what. So Ricky and all his brazenness, says,

57
00:03:15,760 --> 00:03:21,040
Speaker 3: keep posting. So he's like, what we'll leave. I'm so like,

58
00:03:21,160 --> 00:03:26,200
Speaker 3: just imagine what we'll leave. I'm sorry, okay. And so

59
00:03:27,040 --> 00:03:29,519
Speaker 3: I have these pictures and I cannot wait because I'll

60
00:03:29,520 --> 00:03:33,440
Speaker 3: be posting on my social the epic how it started.

61
00:03:33,639 --> 00:03:36,040
Speaker 3: And yesterday I went to well, today I went to

62
00:03:36,040 --> 00:03:39,800
Speaker 3: Barnes and Nobles with my book legally on the bookshelves

63
00:03:40,280 --> 00:03:43,320
Speaker 3: and legally taking pictures to how it's going. So I

64
00:03:43,320 --> 00:03:45,520
Speaker 3: can't wait to put up side by side. You can

65
00:03:45,560 --> 00:03:47,400
Speaker 3: see my locks are way longer. I got you know,

66
00:03:47,440 --> 00:03:50,040
Speaker 3: a few extra pounds on my booty. But my book

67
00:03:50,120 --> 00:03:52,120
Speaker 3: is on this shelf for real this time, and it's

68
00:03:52,160 --> 00:03:55,520
Speaker 3: my face on it. It just it still hasn't hit

69
00:03:55,520 --> 00:03:57,600
Speaker 3: because I'm not gonna lie. It still feels like I

70
00:03:57,600 --> 00:03:58,920
Speaker 3: put my book on the shelf, you know.

71
00:04:00,520 --> 00:04:02,280
Speaker 1: But you walked in there and it was just someone

72
00:04:02,280 --> 00:04:03,240
Speaker 1: else put it on their tip.

73
00:04:03,280 --> 00:04:08,080
Speaker 3: And I know, I know, I did know the lady

74
00:04:08,360 --> 00:04:10,120
Speaker 3: I asked her. I was like, am I allowed to

75
00:04:10,120 --> 00:04:12,520
Speaker 3: push these to the front because they had them on

76
00:04:12,560 --> 00:04:13,960
Speaker 3: like the third sholf. I was like, yeah, I'd like

77
00:04:14,000 --> 00:04:16,760
Speaker 3: it right here eye level. She was like, yes, Wait

78
00:04:16,800 --> 00:04:20,760
Speaker 3: are you the author? I said I am, And she

79
00:04:20,880 --> 00:04:22,440
Speaker 3: was like, well you sign them. I'm like, am I allowed?

80
00:04:22,480 --> 00:04:23,680
Speaker 3: She said yeah. She said, as a matter of fact,

81
00:04:23,760 --> 00:04:26,040
Speaker 3: let me go get stickers because we actually have stickers

82
00:04:26,080 --> 00:04:29,400
Speaker 3: that say autographed. That was like, oh, oh my goodness.

83
00:04:29,640 --> 00:04:32,760
Speaker 3: So she was so awesome. Shout out to Laura of

84
00:04:32,960 --> 00:04:35,720
Speaker 3: Barnes and Nobles in Clifton, New Jersey. I signed the

85
00:04:35,800 --> 00:04:38,440
Speaker 3: books there and she took pictures of me signing the books.

86
00:04:38,440 --> 00:04:39,960
Speaker 3: She's like, she asked me if she could post them

87
00:04:39,960 --> 00:04:43,200
Speaker 3: to our so to their social I said absolutely, and

88
00:04:43,520 --> 00:04:46,080
Speaker 3: I brought my friend Rihanna with me. I mean, we

89
00:04:46,120 --> 00:04:48,760
Speaker 3: did a whole photo shoot, we did video, we did boomerangs,

90
00:04:48,760 --> 00:04:54,159
Speaker 3: we did girl I went live, I did all the things. Oh,

91
00:04:54,160 --> 00:05:00,000
Speaker 3: but it just like it's so crazy because it's been

92
00:05:00,120 --> 00:05:01,960
Speaker 3: such hard work. I mean, y'all know I work hard,

93
00:05:01,960 --> 00:05:05,080
Speaker 3: but it's a different level of hard work. Pushing out

94
00:05:05,360 --> 00:05:08,600
Speaker 3: this book. It was a different level. And yet this week,

95
00:05:08,680 --> 00:05:10,680
Speaker 3: because this is launch week, it's a very important week.

96
00:05:10,680 --> 00:05:12,240
Speaker 3: This week determines, you know, you're going to make New

97
00:05:12,279 --> 00:05:15,320
Speaker 3: York Times bestseller. This week determines a lot like do

98
00:05:15,360 --> 00:05:17,600
Speaker 3: people want to work with you again? It's you know,

99
00:05:17,760 --> 00:05:20,400
Speaker 3: like very few books do poorly in the first week

100
00:05:20,440 --> 00:05:22,000
Speaker 3: and then go on to greatness. Like you know, this

101
00:05:22,080 --> 00:05:24,640
Speaker 3: kind of sets the tone. And yet I'm going into

102
00:05:24,640 --> 00:05:27,800
Speaker 3: this week feeling really calm because my team and I

103
00:05:27,839 --> 00:05:30,839
Speaker 3: have already done like the work. We've already sold thousands

104
00:05:30,880 --> 00:05:34,600
Speaker 3: of thousands and thousands of books already, and so I

105
00:05:34,680 --> 00:05:37,760
Speaker 3: just think the audience is ready. Honestly, I encourage you

106
00:05:37,800 --> 00:05:40,200
Speaker 3: to go into Barns and Noble put my book in

107
00:05:40,240 --> 00:05:42,240
Speaker 3: the front, because don't let them play you if my

108
00:05:42,279 --> 00:05:45,160
Speaker 3: book is not on the new Because there's like there's

109
00:05:45,200 --> 00:05:48,159
Speaker 3: a section that says new nonfiction. If it's just in

110
00:05:48,200 --> 00:05:51,400
Speaker 3: the regular finance or business section, be like, cis, this

111
00:05:51,440 --> 00:05:52,839
Speaker 3: is a brand new book. It needs to be here

112
00:05:52,960 --> 00:05:55,320
Speaker 3: because some of the Barnes and Nobles can decide where

113
00:05:55,320 --> 00:05:57,160
Speaker 3: they want to put it. But if you know, if

114
00:05:57,200 --> 00:05:58,880
Speaker 3: you ask, they will put it in the new section

115
00:05:58,920 --> 00:06:00,440
Speaker 3: because it deserves to be in the new section so

116
00:06:00,480 --> 00:06:04,560
Speaker 3: people can see. But yeah, it just feels like surreal

117
00:06:04,600 --> 00:06:06,600
Speaker 3: because you know what, Like what's best of all is

118
00:06:06,600 --> 00:06:10,119
Speaker 3: that it's a good book. And I'm usually hard on myself,

119
00:06:10,120 --> 00:06:13,080
Speaker 3: you know me, Man, I'm like, yeah, I guess, like,

120
00:06:13,200 --> 00:06:16,640
Speaker 3: but it's a good book. I feel really proud that,

121
00:06:16,720 --> 00:06:21,960
Speaker 3: like I wrote something that's actually good and it's going

122
00:06:22,000 --> 00:06:24,039
Speaker 3: to be really helpful and it's really just going to

123
00:06:24,080 --> 00:06:26,680
Speaker 3: transform people's lives. Like it's a good book. And I

124
00:06:26,720 --> 00:06:29,279
Speaker 3: was like, Tiffany, well done. I don't know the last

125
00:06:29,279 --> 00:06:31,760
Speaker 3: time I told myself well done. And I can honestly

126
00:06:31,800 --> 00:06:34,360
Speaker 3: say not the marketing, not that, but like the book itself,

127
00:06:34,720 --> 00:06:37,599
Speaker 3: I can honestly say, Tiffany, job, well done.

128
00:06:38,000 --> 00:06:38,440
Speaker 2: Snap.

129
00:06:40,200 --> 00:06:42,800
Speaker 1: I mean the content matters, right, and I think that

130
00:06:43,320 --> 00:06:45,240
Speaker 1: it's not just selling because I mean, of course, it's

131
00:06:45,240 --> 00:06:49,080
Speaker 1: selling because you're a marketing genius and Dreamcator Nation has

132
00:06:49,120 --> 00:06:51,400
Speaker 1: always had your back and all of that. But it's

133
00:06:51,520 --> 00:06:54,160
Speaker 1: when the product is good. It's good, you know, I.

134
00:06:54,120 --> 00:06:54,720
Speaker 2: Mean, isn't it?

135
00:06:54,800 --> 00:06:57,920
Speaker 1: Like where opportunity and preparation meet, that's when the real

136
00:06:58,240 --> 00:07:01,880
Speaker 1: magic happens. And I'm so excited. I get to watch

137
00:07:01,920 --> 00:07:04,880
Speaker 1: it all from my comfy chair and no pressure from land.

138
00:07:06,320 --> 00:07:08,360
Speaker 3: Well, yo, baby, what will we do if it makes

139
00:07:08,360 --> 00:07:08,800
Speaker 3: any time?

140
00:07:08,800 --> 00:07:09,000
Speaker 2: Best?

141
00:07:09,000 --> 00:07:10,640
Speaker 3: So? Like, what will we do? Imagine?

142
00:07:11,040 --> 00:07:12,840
Speaker 1: I've been waiting for you to tell me where I

143
00:07:12,880 --> 00:07:15,680
Speaker 1: need to show up and how many confetti poppers to bring,

144
00:07:15,840 --> 00:07:17,800
Speaker 1: and like what's kind of champagne.

145
00:07:17,360 --> 00:07:19,560
Speaker 2: You don't like? So I can drink it by myself?

146
00:07:19,960 --> 00:07:22,880
Speaker 3: I haven't. I don't even know what I would. I don't.

147
00:07:22,960 --> 00:07:25,480
Speaker 3: I just it's like my mind can't conceive. Like I'm like, yeah,

148
00:07:25,480 --> 00:07:26,520
Speaker 3: I said the Free School.

149
00:07:26,720 --> 00:07:29,040
Speaker 1: I feel like Oprah is listening in somewhere, or the

150
00:07:29,120 --> 00:07:32,720
Speaker 1: intern who works for the book people at Oprah Inc.

151
00:07:32,880 --> 00:07:36,840
Speaker 1: Or at Harpo and uh and own, Like, come on,

152
00:07:37,000 --> 00:07:39,760
Speaker 1: y'all put a sticker on this book if she hasn't

153
00:07:39,760 --> 00:07:41,600
Speaker 1: had a personal finance book in a long time.

154
00:07:41,680 --> 00:07:44,160
Speaker 2: Yes, and a very long time ever, maybe not since

155
00:07:44,200 --> 00:07:44,840
Speaker 2: David Bach or.

156
00:07:44,840 --> 00:07:51,760
Speaker 1: Susie your Come. This has Oprah Oprah, don't let respeach

157
00:07:51,760 --> 00:07:54,200
Speaker 1: you to this girl, don't let respeech you.

158
00:07:54,920 --> 00:07:57,080
Speaker 2: Oprah is a Oprah's favorite thing.

159
00:07:57,160 --> 00:08:00,240
Speaker 1: We need the Oprah's Book Club to take notice because,

160
00:08:00,480 --> 00:08:04,440
Speaker 1: especially at this moment in our country, people have been drugged,

161
00:08:04,560 --> 00:08:06,360
Speaker 1: especially black and brown people have been.

162
00:08:06,240 --> 00:08:07,560
Speaker 2: Dragged through it this year.

163
00:08:08,160 --> 00:08:11,400
Speaker 1: I mean, this is at a great self to the

164
00:08:11,440 --> 00:08:13,600
Speaker 1: hearts of you know a lot of people who are

165
00:08:13,600 --> 00:08:16,000
Speaker 1: feeling like we have been left behind by this financial

166
00:08:16,000 --> 00:08:18,239
Speaker 1: system and we have been left behind in so many ways.

167
00:08:18,240 --> 00:08:20,440
Speaker 1: And Tiffany, this book is like the great equalizer.

168
00:08:20,640 --> 00:08:23,120
Speaker 3: You know. Somebody that like I was on this podcast

169
00:08:23,160 --> 00:08:26,000
Speaker 3: called it. I think it's the root. It's lit. It's

170
00:08:26,040 --> 00:08:29,080
Speaker 3: a literary podcast. And these just these two sisters who

171
00:08:29,200 --> 00:08:32,640
Speaker 3: love reading and books. And one of them gave me

172
00:08:32,679 --> 00:08:35,000
Speaker 3: like the best compliments. She was like, girl, first are one.

173
00:08:35,040 --> 00:08:37,120
Speaker 3: I cried. I'm like what, She's like, what finance book

174
00:08:37,160 --> 00:08:38,959
Speaker 3: makes you cry? Not like a cry and a hopeless

175
00:08:38,960 --> 00:08:42,000
Speaker 3: but like, oh my god, it's for me. And she

176
00:08:42,120 --> 00:08:45,000
Speaker 3: told me She's like, this is not nobody's finance book, Tiffany.

177
00:08:45,480 --> 00:08:47,640
Speaker 3: She said, it's equal parts memoir because you know, I

178
00:08:47,720 --> 00:08:50,680
Speaker 3: share my story because I want to normalize the financial

179
00:08:50,760 --> 00:08:53,040
Speaker 3: drama and trauma. It's okay, we've all been through it.

180
00:08:53,480 --> 00:08:56,400
Speaker 3: She said, equal parts guide because it's an actual step

181
00:08:56,440 --> 00:09:01,040
Speaker 3: by step this is how you fix, maintain, grow whatever

182
00:09:01,120 --> 00:09:04,400
Speaker 3: wherever you are financially. And she said equal parts self

183
00:09:04,400 --> 00:09:08,120
Speaker 3: help because it really does help you look at where

184
00:09:08,160 --> 00:09:11,200
Speaker 3: you are and learn not to judge yourself and to

185
00:09:11,280 --> 00:09:13,600
Speaker 3: be gentle and to give yourself space and grace to

186
00:09:13,679 --> 00:09:16,440
Speaker 3: grow and learn. And when she said that, when she

187
00:09:16,520 --> 00:09:20,040
Speaker 3: said like memoir guide and self help, I'm like, you

188
00:09:20,080 --> 00:09:21,600
Speaker 3: know what, She's right. She's like, I've never read a

189
00:09:21,640 --> 00:09:24,720
Speaker 3: finance book like this before. Tiffany. She's like, it's like

190
00:09:24,760 --> 00:09:26,600
Speaker 3: sitting with your sister girl, Who's like, all right, girl,

191
00:09:26,679 --> 00:09:28,400
Speaker 3: this is the weekend. We're gonna get our lives together.

192
00:09:29,160 --> 00:09:31,440
Speaker 3: Let's walk through it together. And I just that's what

193
00:09:31,520 --> 00:09:36,280
Speaker 3: I wanted. I wanted a safe space for our women,

194
00:09:36,520 --> 00:09:39,839
Speaker 3: you know, like b a listeners, a safe space for

195
00:09:40,360 --> 00:09:44,120
Speaker 3: you to go to grow when it came to your finances.

196
00:09:44,480 --> 00:09:46,880
Speaker 3: And I just like, yeah, to just hear from women

197
00:09:46,960 --> 00:09:51,600
Speaker 3: that it was intended for, saying like that's exactly how

198
00:09:51,600 --> 00:09:55,680
Speaker 3: I felt, you know, ye like it just just I'm like, honestly,

199
00:09:55,720 --> 00:09:59,400
Speaker 3: it just feels I don't even know, like it just

200
00:09:59,520 --> 00:10:03,640
Speaker 3: feel so so good and right. I mean, and also too,

201
00:10:03,640 --> 00:10:05,160
Speaker 3: I've been working with doctor Green. Doctor Green is a

202
00:10:05,160 --> 00:10:06,840
Speaker 3: miracle worker because I'm just in such a better space

203
00:10:06,840 --> 00:10:08,520
Speaker 3: now because I can actually feel you know, remember I

204
00:10:08,520 --> 00:10:12,120
Speaker 3: remember I was feeling less like a few so I

205
00:10:12,120 --> 00:10:14,920
Speaker 3: can actually think, I know, and that's what it's feeling like.

206
00:10:14,960 --> 00:10:17,080
Speaker 3: I'm like, oh my gosh, like my synapses are waking

207
00:10:17,160 --> 00:10:19,560
Speaker 3: up again. I'm like, I feel things, but it just

208
00:10:19,640 --> 00:10:22,400
Speaker 3: feels it just feels like really good. I'm just like,

209
00:10:23,160 --> 00:10:25,080
Speaker 3: you know, I'm like Tiffany, it's okay to say you're

210
00:10:25,120 --> 00:10:28,040
Speaker 3: proud of yourself, and I am, and just everybody that's

211
00:10:28,080 --> 00:10:31,679
Speaker 3: made it happen, the budgetest, the boosters that I tapped into.

212
00:10:32,480 --> 00:10:35,080
Speaker 3: So you know me, I don't believe in gurus and

213
00:10:35,120 --> 00:10:37,839
Speaker 3: I'm not gonna pretend to be your guru. And if

214
00:10:37,880 --> 00:10:41,319
Speaker 3: I'm getting information from someone who, you know, I think

215
00:10:41,400 --> 00:10:43,280
Speaker 3: is an expert in a space, then I believe that

216
00:10:43,280 --> 00:10:46,520
Speaker 3: they should get their shine. So I made a space,

217
00:10:46,679 --> 00:10:49,520
Speaker 3: like I made it my business to reach out to

218
00:10:49,559 --> 00:10:54,280
Speaker 3: people within the Brown Ambition financial like world to say, hey,

219
00:10:55,040 --> 00:10:56,800
Speaker 3: you know I trust you when it comes to this.

220
00:10:56,920 --> 00:11:00,600
Speaker 3: Tony Moore sister Georgetown graduates. I think she got her

221
00:11:00,640 --> 00:11:03,440
Speaker 3: master's and laws. She's my attorney and she does my

222
00:11:04,000 --> 00:11:06,920
Speaker 3: she's joined my estate plan. Like, girl, you are a

223
00:11:06,920 --> 00:11:10,120
Speaker 3: bad mambajama. And I don't want to pretend like I

224
00:11:10,240 --> 00:11:12,920
Speaker 3: know a state plan other than like the basics. Can

225
00:11:12,960 --> 00:11:14,560
Speaker 3: you help to pour into me so I can pour

226
00:11:14,559 --> 00:11:17,480
Speaker 3: it to the people and then I share this is Tony,

227
00:11:17,960 --> 00:11:20,680
Speaker 3: my budget needs to booster for this chapter. She's going

228
00:11:20,760 --> 00:11:22,800
Speaker 3: to be giving us advice along the way, and so

229
00:11:22,840 --> 00:11:25,800
Speaker 3: certainly you hear my voice, but they're boosting opportunities where

230
00:11:25,840 --> 00:11:28,280
Speaker 3: Tony jumps in with her expertise, and you'll see that

231
00:11:28,360 --> 00:11:31,200
Speaker 3: throughout the book. But that was intentional because I want

232
00:11:31,320 --> 00:11:34,439
Speaker 3: you the reader to know that no one has all

233
00:11:34,440 --> 00:11:38,559
Speaker 3: the answers, including me, especially me, and that and I

234
00:11:38,559 --> 00:11:42,840
Speaker 3: also do really believe like sharing the wealth because like

235
00:11:42,920 --> 00:11:47,240
Speaker 3: Sandy's in the book, Courtney from the Ivy Investor, Kevin

236
00:11:47,600 --> 00:11:52,199
Speaker 3: from Building Bread, Angelie who I love my cfps in

237
00:11:52,240 --> 00:11:55,040
Speaker 3: the book, you know we love Nativa the Frugal Credit

238
00:11:55,120 --> 00:11:58,800
Speaker 3: Nisa Kara the frugal feminista with her mindset stuff, ash

239
00:11:58,880 --> 00:12:01,680
Speaker 3: Cash with his mindset stuff. I really pulled out, like

240
00:12:02,480 --> 00:12:04,840
Speaker 3: I don't know, like just some amazing people and like

241
00:12:04,920 --> 00:12:07,079
Speaker 3: because you don't see their picture. What I love is

242
00:12:07,120 --> 00:12:08,640
Speaker 3: there's gonna be so many women who are not going

243
00:12:08,679 --> 00:12:10,360
Speaker 3: to realize, like I put all these brown people in

244
00:12:10,360 --> 00:12:12,960
Speaker 3: this book. Girl, that's right, you learn it from brown

245
00:12:13,000 --> 00:12:24,120
Speaker 3: folks today. Okay, let's get into.

246
00:12:24,559 --> 00:12:27,120
Speaker 1: Let's get into what people are going to get out

247
00:12:27,160 --> 00:12:27,640
Speaker 1: of this book.

248
00:12:27,720 --> 00:12:27,960
Speaker 3: Yeah.

249
00:12:27,960 --> 00:12:29,880
Speaker 1: So I actually went to ge God with Money dot

250
00:12:29,880 --> 00:12:33,840
Speaker 1: com and I took the financial Wholeness checklist quiz that

251
00:12:33,840 --> 00:12:35,560
Speaker 1: we're going to quiz a quiz.

252
00:12:35,240 --> 00:12:36,800
Speaker 3: And if you want to take the quiz, you can.

253
00:12:37,000 --> 00:12:40,439
Speaker 3: You can go to gg WM. That stands for Get

254
00:12:40,440 --> 00:12:43,679
Speaker 3: Good with Money, so ggwmquiz dot com. So if you

255
00:12:43,679 --> 00:12:45,240
Speaker 3: want to take the quiz that me and Mandy are

256
00:12:45,240 --> 00:12:47,040
Speaker 3: about to talk about, you can go and take the quiz.

257
00:12:47,080 --> 00:12:49,760
Speaker 3: It's like two minutes, you get your results, you get

258
00:12:49,760 --> 00:12:51,720
Speaker 3: your life, and then I send you like a checklist

259
00:12:52,000 --> 00:12:53,480
Speaker 3: like via email to keep with you.

260
00:12:54,320 --> 00:12:54,880
Speaker 2: I love that.

261
00:12:54,960 --> 00:12:57,560
Speaker 1: Okay, So I actually did the checklist to see how

262
00:12:57,600 --> 00:13:00,400
Speaker 1: financially whole am I and I thought for sure like

263
00:13:00,520 --> 00:13:03,040
Speaker 1: I've been talking to you for over five years once

264
00:13:03,080 --> 00:13:06,080
Speaker 1: a week, I should definitely be one hundred percent financially whole,

265
00:13:06,160 --> 00:13:09,120
Speaker 1: but I'm only eighty percent whole. Okay, that's not only

266
00:13:09,160 --> 00:13:12,960
Speaker 1: First of all, that's great, only eighty percent and it

267
00:13:13,120 --> 00:13:15,440
Speaker 1: might be more like seventy five, but I give over four.

268
00:13:15,559 --> 00:13:18,080
Speaker 2: I give myself a full check.

269
00:13:18,640 --> 00:13:20,680
Speaker 1: But let's walk through. We'll walk through each of these

270
00:13:20,720 --> 00:13:23,040
Speaker 1: and then I will reveal where I am falling short.

271
00:13:23,080 --> 00:13:27,280
Speaker 1: But the basics right budget building. So with budget building,

272
00:13:27,320 --> 00:13:29,040
Speaker 1: what are we talking about here? And how in the

273
00:13:29,080 --> 00:13:31,800
Speaker 1: book does the wholeness checklist sort of play into the

274
00:13:31,840 --> 00:13:33,079
Speaker 1: overall message in the book.

275
00:13:33,720 --> 00:13:38,080
Speaker 3: So in the book I really lean into not just

276
00:13:38,120 --> 00:13:40,520
Speaker 3: like you know what you're missing, you know, but like

277
00:13:40,880 --> 00:13:42,360
Speaker 3: how do you fix it? How do you get there?

278
00:13:42,880 --> 00:13:44,360
Speaker 3: And so I want it to be clear like for

279
00:13:44,440 --> 00:13:47,200
Speaker 3: budget building, like it literally says like I have a

280
00:13:47,320 --> 00:13:51,200
Speaker 3: written and at least partially automated like transfer savings bills,

281
00:13:51,240 --> 00:13:56,040
Speaker 3: et cetera personal budget, and you have the necessary checking

282
00:13:56,160 --> 00:13:58,800
Speaker 3: and savings accounts to support my budget. That part is

283
00:13:58,800 --> 00:14:01,160
Speaker 3: really important because you ask people do you have a budget?

284
00:14:01,240 --> 00:14:01,440
Speaker 1: Yes?

285
00:14:01,559 --> 00:14:04,599
Speaker 3: Do you have? Is it written? Is it partially automated

286
00:14:05,240 --> 00:14:05,520
Speaker 3: is it?

287
00:14:05,720 --> 00:14:05,960
Speaker 2: You know?

288
00:14:06,080 --> 00:14:08,199
Speaker 3: Do you have do you have the appropriate appropriate amount

289
00:14:08,280 --> 00:14:11,199
Speaker 3: of bank accounts? Okay? Sis? And you don't really fully

290
00:14:11,920 --> 00:14:15,680
Speaker 3: have a budget that's sustainable. And so the book teaches

291
00:14:15,720 --> 00:14:20,120
Speaker 3: you how to create this sustainable at least partially automated budget,

292
00:14:20,480 --> 00:14:23,600
Speaker 3: you know, because you know, like I said, people don't

293
00:14:23,640 --> 00:14:26,640
Speaker 3: really know what they don't know when it comes to like,

294
00:14:26,720 --> 00:14:28,840
Speaker 3: so what should my budget really look like? So that's

295
00:14:28,840 --> 00:14:30,360
Speaker 3: what you learn in the book. But I'm assuming that's

296
00:14:30,360 --> 00:14:31,440
Speaker 3: what you got to check on.

297
00:14:31,480 --> 00:14:32,600
Speaker 2: That you got that I gotta check.

298
00:14:32,800 --> 00:14:35,400
Speaker 1: And my favorite part of my budget is the fact

299
00:14:35,440 --> 00:14:36,960
Speaker 1: that I only had to do it once and then

300
00:14:37,000 --> 00:14:40,080
Speaker 1: I just automatically, Yes, like when I get my paycheck

301
00:14:40,160 --> 00:14:43,520
Speaker 1: or any income, I have automatic transfers going where they

302
00:14:43,560 --> 00:14:45,040
Speaker 1: need to go, so that when I look at my

303
00:14:45,080 --> 00:14:47,880
Speaker 1: checking account, it's just money that I know I can spend,

304
00:14:48,120 --> 00:14:50,880
Speaker 1: which is my favorite way to budget because I don't

305
00:14:50,920 --> 00:14:52,480
Speaker 1: like spreadsheets.

306
00:14:51,800 --> 00:14:52,440
Speaker 2: All that much.

307
00:14:52,760 --> 00:14:55,920
Speaker 1: Okay, but number two new to budget, so save like

308
00:14:55,960 --> 00:14:58,000
Speaker 1: a squirrel, which I love this. I just picture a

309
00:14:58,000 --> 00:14:59,440
Speaker 1: squirrel eatings and ramen.

310
00:14:59,680 --> 00:15:00,680
Speaker 2: And it's fine.

311
00:15:01,040 --> 00:15:03,960
Speaker 1: But maybe a noodle budget got a beating this year.

312
00:15:04,760 --> 00:15:07,760
Speaker 1: This past year, noodle budgets have been beat. But you're

313
00:15:07,840 --> 00:15:10,640
Speaker 1: very specific about saying not just saving for three months

314
00:15:10,640 --> 00:15:14,320
Speaker 1: of necessary expenses I eat your noodle budget, but doing

315
00:15:14,320 --> 00:15:16,360
Speaker 1: it in an online only savings account.

316
00:15:16,400 --> 00:15:18,480
Speaker 2: Why online only in particular.

317
00:15:18,320 --> 00:15:23,600
Speaker 3: Well, because when your savings is next to your your

318
00:15:23,640 --> 00:15:25,800
Speaker 3: regular checking at your brick and mortar bank, it's so

319
00:15:25,880 --> 00:15:27,840
Speaker 3: easy to make that transfer, and it makes your money

320
00:15:27,920 --> 00:15:31,400
Speaker 3: too convenient that an online only savings account one you

321
00:15:31,400 --> 00:15:34,080
Speaker 3: get higher interests typically, I mean, you know, we know,

322
00:15:34,240 --> 00:15:36,400
Speaker 3: like interest rates are not the greatest right now for

323
00:15:36,440 --> 00:15:40,720
Speaker 3: savings accounts, but most importantly, it makes your money inconvenient.

324
00:15:41,400 --> 00:15:45,280
Speaker 3: If you were at Target, everybody's safe and you're like, oh, Target,

325
00:15:45,360 --> 00:15:46,960
Speaker 3: I want this blender even though I have a blender,

326
00:15:47,000 --> 00:15:50,560
Speaker 3: but this blender is a red blender, and you're like, okay,

327
00:15:50,800 --> 00:15:54,680
Speaker 3: checking accounts assists, you know we're empty. Stop your saving, says,

328
00:15:54,680 --> 00:15:56,800
Speaker 3: we have money, but we're supposed to be saving for

329
00:15:57,880 --> 00:16:00,960
Speaker 3: I don't know, emergencies or save e for our house.

330
00:16:01,480 --> 00:16:04,360
Speaker 3: If your savings account is with your checking at the

331
00:16:04,400 --> 00:16:07,000
Speaker 3: same bank, that transfer is going to take seconds. If

332
00:16:07,000 --> 00:16:10,040
Speaker 3: it's at an online only bank, you're looking at minimum

333
00:16:10,080 --> 00:16:13,640
Speaker 3: twenty four hours the next day, sometimes up to seventy

334
00:16:13,640 --> 00:16:16,840
Speaker 3: two hours, depending if there's a holiday or whatever. So

335
00:16:17,240 --> 00:16:21,040
Speaker 3: online only savings makes your money inconvenient, and inconvenient money.

336
00:16:20,880 --> 00:16:24,080
Speaker 1: Get saved absolutely. I got to check for that hut.

337
00:16:24,920 --> 00:16:27,640
Speaker 1: Digging out of debt number three. So you're either debt

338
00:16:27,720 --> 00:16:30,960
Speaker 1: free or you have a clear picture of what and

339
00:16:31,000 --> 00:16:34,120
Speaker 1: who you owe the money too. And not only that,

340
00:16:34,200 --> 00:16:36,880
Speaker 1: but you've written down the components of each debt, like

341
00:16:36,960 --> 00:16:40,200
Speaker 1: how much you owe interest rates. I love how you

342
00:16:40,720 --> 00:16:42,800
Speaker 1: the first part of this one you think, oh, yeah,

343
00:16:42,800 --> 00:16:45,080
Speaker 1: I'm debt free, but then you're like, that's not all.

344
00:16:44,960 --> 00:16:46,840
Speaker 2: I'm gonna be like, do you have a written down?

345
00:16:46,880 --> 00:16:47,320
Speaker 2: Do you know this?

346
00:16:47,400 --> 00:16:47,840
Speaker 3: Do you know that?

347
00:16:47,880 --> 00:16:51,560
Speaker 2: And you're like, yeah, no, yes, yeah. So I've also ooh,

348
00:16:51,600 --> 00:16:52,280
Speaker 2: this is another one.

349
00:16:52,320 --> 00:16:54,000
Speaker 1: So not just that you you know you're digging out

350
00:16:54,000 --> 00:16:56,400
Speaker 1: of debt, but also you've identified and use a debt

351
00:16:56,440 --> 00:17:00,800
Speaker 1: paydown plan or online bill tool through your bank to

352
00:17:00,920 --> 00:17:04,200
Speaker 1: automate your payments. I did get a check for this

353
00:17:04,280 --> 00:17:06,080
Speaker 1: because all I have is my mortgage.

354
00:17:06,359 --> 00:17:08,680
Speaker 3: Good. And so here's the thing, Like, so first time

355
00:17:08,680 --> 00:17:11,280
Speaker 3: people debt free, that's great, but if you're not debt free,

356
00:17:11,320 --> 00:17:14,440
Speaker 3: you still can check this off. If you have you

357
00:17:14,600 --> 00:17:16,920
Speaker 3: are on you have a plan, and I show you

358
00:17:17,040 --> 00:17:21,680
Speaker 3: multiple types of plans, like you can use the snowball

359
00:17:21,720 --> 00:17:24,440
Speaker 3: method the avalanche method. I like the mix of the two.

360
00:17:25,000 --> 00:17:27,120
Speaker 3: But I even have this debt sheet in the book

361
00:17:27,119 --> 00:17:28,280
Speaker 3: that I give you in the back of the book.

362
00:17:28,320 --> 00:17:31,240
Speaker 3: But also the book comes with this toolkit that's available

363
00:17:31,320 --> 00:17:34,080
Speaker 3: at gig gods money dot com alongside the book, and

364
00:17:34,160 --> 00:17:37,560
Speaker 3: so I you know, I give you the template and

365
00:17:37,600 --> 00:17:39,959
Speaker 3: the resources to lay out your debt so you can

366
00:17:40,000 --> 00:17:42,280
Speaker 3: see them. And as long as you have a plan

367
00:17:42,400 --> 00:17:44,719
Speaker 3: to pay them off, and that plan is semi automated,

368
00:17:45,040 --> 00:17:47,680
Speaker 3: then you can check this off. I don't like when

369
00:17:48,000 --> 00:17:49,520
Speaker 3: it's like you can't check it off because I'm not

370
00:17:49,560 --> 00:17:52,400
Speaker 3: debt free. Well, sis, I have a mortgage. IM I'm

371
00:17:52,400 --> 00:17:55,520
Speaker 3: not not gonna check off this part because you know

372
00:17:55,800 --> 00:17:57,960
Speaker 3: thirty years from now, you know that's when of my

373
00:17:58,000 --> 00:17:59,760
Speaker 3: mortgage will be paid off. I'm like, no, as long

374
00:17:59,760 --> 00:18:01,359
Speaker 3: as you have a plan in place and a clear

375
00:18:01,400 --> 00:18:04,280
Speaker 3: picture of your debt, you can check this off as yep.

376
00:18:04,520 --> 00:18:06,399
Speaker 3: So now, Mandy, I see, okay, you're at thirty percent,

377
00:18:06,440 --> 00:18:09,679
Speaker 3: You've got your budget savings and your your you at

378
00:18:09,760 --> 00:18:10,560
Speaker 3: least have a debt.

379
00:18:10,359 --> 00:18:15,160
Speaker 1: Plan, yes, and next one score high credit. So making

380
00:18:15,200 --> 00:18:17,480
Speaker 1: sure you have you know where to get So you've

381
00:18:17,480 --> 00:18:19,960
Speaker 1: requested and received a copy of your free Fyco credit

382
00:18:20,000 --> 00:18:22,440
Speaker 1: report and your score, which you can get a free

383
00:18:22,480 --> 00:18:25,280
Speaker 1: credit score from just about anywhere these days, right, and

384
00:18:25,320 --> 00:18:27,840
Speaker 1: that you have at least a seven forty. Why seven

385
00:18:27,920 --> 00:18:29,120
Speaker 1: forty FIGHTO credit score?

386
00:18:29,119 --> 00:18:30,200
Speaker 2: Why is that so important?

387
00:18:30,560 --> 00:18:33,440
Speaker 3: Well, seven forty is the beginning of what's called typically

388
00:18:33,600 --> 00:18:36,439
Speaker 3: perfect credit, right, So it's not I mean eight. Well,

389
00:18:36,480 --> 00:18:37,960
Speaker 3: when it comes to FICO, we know the lowest is

390
00:18:38,000 --> 00:18:41,359
Speaker 3: three hundred, highs is a fifty, But seven forty is

391
00:18:41,400 --> 00:18:45,360
Speaker 3: the beginning of when you can get the best interest rate.

392
00:18:45,440 --> 00:18:47,920
Speaker 3: Like when you go for a mortgage, the literally the

393
00:18:47,960 --> 00:18:49,960
Speaker 3: banker will ask you do you have a seven forty

394
00:18:50,000 --> 00:18:53,320
Speaker 3: or better, because that's the number that you start to

395
00:18:53,320 --> 00:18:55,159
Speaker 3: get like, oh okay, well then you qualify for the

396
00:18:55,200 --> 00:18:58,600
Speaker 3: best interest rate. Anything below then, you know, doesn't mean

397
00:18:58,600 --> 00:19:00,520
Speaker 3: you won't get a good interest rate. You won't get

398
00:19:00,520 --> 00:19:02,879
Speaker 3: the best that's out there. So I tell people instead

399
00:19:02,920 --> 00:19:05,440
Speaker 3: of trying to stretch and reach for an eight to fifty,

400
00:19:05,480 --> 00:19:08,840
Speaker 3: which is great, but guess what, typically my seven forty

401
00:19:09,000 --> 00:19:11,320
Speaker 3: and you're a fifty will get me the same interest rates.

402
00:19:11,359 --> 00:19:14,480
Speaker 3: So seven forty is is just it's more than good enough.

403
00:19:15,160 --> 00:19:15,720
Speaker 2: I love it.

404
00:19:16,000 --> 00:19:20,159
Speaker 1: I typically use Discover Scorecard to get your fighto, but

405
00:19:20,359 --> 00:19:23,399
Speaker 1: like every banks all offer them now, so it's really hard.

406
00:19:23,640 --> 00:19:25,840
Speaker 1: And of course you can use you know, tools like

407
00:19:26,080 --> 00:19:28,560
Speaker 1: to get a credit score estimate through credit Carma or

408
00:19:28,600 --> 00:19:31,200
Speaker 1: things like that, but credit score card is my jam

409
00:19:31,280 --> 00:19:33,840
Speaker 1: and I am over seven forty.

410
00:19:33,760 --> 00:19:36,280
Speaker 2: Okay, though, yeah, I don't think about it as much.

411
00:19:36,359 --> 00:19:38,800
Speaker 1: It was very stressful with the credit, you know, before

412
00:19:38,800 --> 00:19:41,440
Speaker 1: I got the mortgage. But these days I'm like, okay,

413
00:19:41,800 --> 00:19:43,640
Speaker 1: I guess you know, just good to have it if

414
00:19:43,640 --> 00:19:46,399
Speaker 1: you ever need an emergency loan or something like that.

415
00:19:46,440 --> 00:19:49,040
Speaker 1: I mean, your credit score is really it's just something

416
00:19:49,080 --> 00:19:52,240
Speaker 1: to be maintained because you're gonna when you finally get

417
00:19:52,280 --> 00:19:55,440
Speaker 1: around to needing it, or needing to apply for credit

418
00:19:55,520 --> 00:19:58,000
Speaker 1: or something where they check your credit. It's it's like currency,

419
00:19:58,320 --> 00:20:00,400
Speaker 1: you know, like the tipt the best.

420
00:20:00,680 --> 00:20:02,280
Speaker 3: So she said in the book that which I love.

421
00:20:02,560 --> 00:20:04,879
Speaker 3: She said, credit is like girl, I'm gonna need you

422
00:20:04,920 --> 00:20:06,240
Speaker 3: to know me before you need me.

423
00:20:07,200 --> 00:20:12,160
Speaker 1: Yeah, that's the way credit works. Absolutely. Okay, So I'm

424
00:20:12,160 --> 00:20:16,320
Speaker 1: not forty percent. Okay, fine, Fie, learn to earn or

425
00:20:16,359 --> 00:20:17,159
Speaker 1: increase income.

426
00:20:17,200 --> 00:20:18,120
Speaker 2: What's this one all about?

427
00:20:18,480 --> 00:20:21,600
Speaker 3: So if twenty twenty taught us nothing else, is that

428
00:20:21,640 --> 00:20:24,160
Speaker 3: we have to not that you have to be making

429
00:20:24,200 --> 00:20:26,960
Speaker 3: money from multiple sources, but you should know how to

430
00:20:27,600 --> 00:20:29,760
Speaker 3: that way. If you have to pivot to a different

431
00:20:29,800 --> 00:20:33,119
Speaker 3: source of income you can, or increase a secondary or

432
00:20:33,119 --> 00:20:35,239
Speaker 3: a third source of income, you can. So I want

433
00:20:35,320 --> 00:20:38,000
Speaker 3: you to identify ways you can contribute value to your job.

434
00:20:38,440 --> 00:20:40,280
Speaker 3: If you have a job and feel confident you can

435
00:20:40,400 --> 00:20:42,439
Speaker 3: leverage them to ask for a promotion or raise, I

436
00:20:42,440 --> 00:20:44,119
Speaker 3: teach you how to do that in the book. This

437
00:20:44,160 --> 00:20:46,199
Speaker 3: is a chapter I pull in Sandy because Sandy is

438
00:20:46,240 --> 00:20:48,960
Speaker 3: like the queen of side hustles, but not just that.

439
00:20:49,200 --> 00:20:52,960
Speaker 3: You know, Sandy's been in HR for years, so she

440
00:20:53,040 --> 00:20:54,920
Speaker 3: really helped me to lean into this chapter to teach

441
00:20:54,960 --> 00:20:57,080
Speaker 3: you how best to ask for a raise and promotion

442
00:20:57,160 --> 00:21:00,520
Speaker 3: and how to prepare ahead of time. Right or also too,

443
00:21:00,560 --> 00:21:03,879
Speaker 3: if you already have multiple streams of income, you know

444
00:21:04,000 --> 00:21:06,280
Speaker 3: how to maximize them, or you know how to maximize

445
00:21:06,280 --> 00:21:08,399
Speaker 3: a skill set, so you can have multiple streams of

446
00:21:08,400 --> 00:21:11,800
Speaker 3: income and you have a plan of action. If you

447
00:21:11,880 --> 00:21:14,639
Speaker 3: desire to make more money, it's really important that you

448
00:21:14,880 --> 00:21:17,400
Speaker 3: know how to earn more. It's not all about budgeting

449
00:21:17,480 --> 00:21:19,360
Speaker 3: and saving. Learning to earn is critical.

450
00:21:19,960 --> 00:21:23,200
Speaker 1: This one's my favorite, and I give myself a big check.

451
00:21:23,720 --> 00:21:27,000
Speaker 1: I mean, I did go into the pandemic with a newborn,

452
00:21:27,280 --> 00:21:29,200
Speaker 1: and like I think I was one month back on

453
00:21:29,200 --> 00:21:31,040
Speaker 1: the job before I asked for promotion in a race.

454
00:21:31,400 --> 00:21:33,080
Speaker 2: It just felt right. I don't know why.

455
00:21:33,160 --> 00:21:36,160
Speaker 1: Something about the something about that they wouldn't have seen

456
00:21:36,200 --> 00:21:38,639
Speaker 1: it coming, just kind of made me want to do it, Like,

457
00:21:38,840 --> 00:21:40,439
Speaker 1: what are they gonna do? I just came back from

458
00:21:40,480 --> 00:21:41,959
Speaker 1: Matt leave, but let me let me see what they

459
00:21:41,960 --> 00:21:44,920
Speaker 1: have going on. No, I think this is great and

460
00:21:45,320 --> 00:21:48,040
Speaker 1: building the confidence to ask, So I will definitely be

461
00:21:48,160 --> 00:21:50,360
Speaker 1: checking out that chapter because it's so so important.

462
00:21:50,480 --> 00:21:51,080
Speaker 2: I love it.

463
00:21:51,800 --> 00:21:54,320
Speaker 3: And also just so you know, the first five are

464
00:21:54,520 --> 00:21:59,080
Speaker 3: like the super foundational foundation of personal finance, so like,

465
00:21:59,400 --> 00:22:04,000
Speaker 3: you know, like the the basics budgeting, savings, debt, credit,

466
00:22:04,200 --> 00:22:06,240
Speaker 3: learn to earn. Now we're going to go into the

467
00:22:06,280 --> 00:22:08,480
Speaker 3: next tier, which is the next five.

468
00:22:08,680 --> 00:22:10,680
Speaker 1: Wouldn't it be scary if I like didn't have any

469
00:22:10,720 --> 00:22:11,720
Speaker 1: of the top five.

470
00:22:12,680 --> 00:22:17,320
Speaker 3: That's not necessarily true, you know how we are. We're like,

471
00:22:17,400 --> 00:22:18,760
Speaker 3: I gotta do it.

472
00:22:18,800 --> 00:22:21,800
Speaker 2: But I love the checklist. I know, no, but you're right.

473
00:22:21,840 --> 00:22:22,520
Speaker 2: A lot of people.

474
00:22:23,280 --> 00:22:24,920
Speaker 1: That's why I like that you call it the financial

475
00:22:24,960 --> 00:22:27,879
Speaker 1: wholeness checklist, because yeah, I mean you and a lot

476
00:22:27,920 --> 00:22:30,040
Speaker 1: of people don't think about all this stuff at the

477
00:22:30,080 --> 00:22:33,080
Speaker 1: same time. You know, they may have one aspect of

478
00:22:33,119 --> 00:22:36,080
Speaker 1: their their finances, you know, checked off, and think that

479
00:22:36,119 --> 00:22:38,560
Speaker 1: they're good. But but really, when you get down and

480
00:22:38,600 --> 00:22:39,920
Speaker 1: ask these questions, kind of like when you go to

481
00:22:39,960 --> 00:22:42,920
Speaker 1: the doctor and they start asking you very specific questions

482
00:22:43,680 --> 00:22:45,800
Speaker 1: and you're like, oh, well, there's more than just did

483
00:22:45,800 --> 00:22:48,800
Speaker 1: I wake up? Today's a lot there's a lot of

484
00:22:48,800 --> 00:22:51,440
Speaker 1: other things that could be going wrong. Okay, but now

485
00:22:51,440 --> 00:22:56,040
Speaker 1: we're into the intermediate level. Number six, Invest like an insider.

486
00:22:56,480 --> 00:22:58,720
Speaker 1: What's this one all about? How do you invest like

487
00:22:58,760 --> 00:22:59,360
Speaker 1: an insider?

488
00:22:59,680 --> 00:23:04,320
Speaker 3: So insiders know that you investment fall and falls into

489
00:23:04,359 --> 00:23:08,879
Speaker 3: two major tiers, retirement and wealth. You're really not saving

490
00:23:08,960 --> 00:23:12,800
Speaker 3: for retirement. Women always say this. It's really you're investing

491
00:23:12,920 --> 00:23:16,679
Speaker 3: for retirement and investing for wealth. So the difference is this,

492
00:23:16,720 --> 00:23:19,479
Speaker 3: when you invest for retirement, you are saying, I'm setting

493
00:23:19,480 --> 00:23:22,399
Speaker 3: aside money and investing it so I can maintain my

494
00:23:22,440 --> 00:23:25,719
Speaker 3: current lifestyle when I'm no longer working when you and

495
00:23:25,800 --> 00:23:30,480
Speaker 3: so it's literally about you and only you later on

496
00:23:30,560 --> 00:23:34,760
Speaker 3: in life. Investing for wealth is different. It's about improving

497
00:23:34,800 --> 00:23:40,080
Speaker 3: your lifestyle now currently and leaving money for airs, you know.

498
00:23:40,200 --> 00:23:42,679
Speaker 3: So that's what now. Investing for retirement should happen no

499
00:23:42,720 --> 00:23:45,840
Speaker 3: matter what. Investing for wealth happens after you have the

500
00:23:45,880 --> 00:23:49,119
Speaker 3: foundational things like budgets, say that all that stuff. But

501
00:23:49,160 --> 00:23:52,880
Speaker 3: investing for retirement happens no matter what, because no matter what,

502
00:23:53,040 --> 00:23:54,760
Speaker 3: your eighty year old self is going to need to eat,

503
00:23:54,880 --> 00:23:56,840
Speaker 3: it's going to need a safe place to live, it's

504
00:23:56,880 --> 00:23:59,520
Speaker 3: going to need medicine, it's going to need transportation. You

505
00:23:59,560 --> 00:24:02,480
Speaker 3: see what I'm so like, retirement is really not optional,

506
00:24:02,640 --> 00:24:04,400
Speaker 3: but investing for wealth kind of is.

507
00:24:05,440 --> 00:24:07,960
Speaker 1: Absolutely. I give myself a check. I love my I

508
00:24:08,000 --> 00:24:10,440
Speaker 1: love my four one K and but I will say

509
00:24:10,520 --> 00:24:13,760
Speaker 1: the past five year old three years especially, I have

510
00:24:14,840 --> 00:24:17,479
Speaker 1: had a lot of fun taking the next step beyond

511
00:24:17,560 --> 00:24:20,440
Speaker 1: just like the target date fund, you know, index fund

512
00:24:20,960 --> 00:24:23,960
Speaker 1: investing style and actually investing for wealth. And that's been

513
00:24:24,680 --> 00:24:26,240
Speaker 1: it's been new territory.

514
00:24:26,400 --> 00:24:28,840
Speaker 3: Yeah. And just if you guys are listening, you forgot, like,

515
00:24:28,880 --> 00:24:32,880
Speaker 3: don't forget this is that gg w M quiz dot

516
00:24:32,920 --> 00:24:35,280
Speaker 3: com for could Get Good with Money quiz if you

517
00:24:35,280 --> 00:24:37,520
Speaker 3: want to take the quiz, like, hold up, let me see,

518
00:24:37,560 --> 00:24:40,520
Speaker 3: because I would love if you could like tweet us, Instagram, us,

519
00:24:41,560 --> 00:24:44,880
Speaker 3: email us like what your you know what your your

520
00:24:44,880 --> 00:24:45,399
Speaker 3: score is?

521
00:24:45,920 --> 00:24:49,720
Speaker 1: Yeah, use the hashtag gg W M O N E

522
00:24:49,840 --> 00:24:53,320
Speaker 1: y g g W money Yes, loves it all right,

523
00:24:53,359 --> 00:24:55,800
Speaker 1: O my ooh. My second favorite, Get Good with Insurance

524
00:24:55,880 --> 00:24:56,520
Speaker 1: number seven.

525
00:24:57,600 --> 00:25:01,080
Speaker 3: This is where this is where I like, at first

526
00:25:01,119 --> 00:25:03,560
Speaker 3: before when I was writing this book, this is where

527
00:25:03,600 --> 00:25:06,639
Speaker 3: I did it. I was not I was. I was

528
00:25:06,680 --> 00:25:10,159
Speaker 3: eighty percent because my insurance and you'll see like this

529
00:25:10,200 --> 00:25:11,760
Speaker 3: is where I was shaking, but now I'm good Anjelie

530
00:25:11,760 --> 00:25:13,800
Speaker 3: got me all the way together. This is a chapter

531
00:25:13,880 --> 00:25:17,320
Speaker 3: that I had Angelie really weigh in on because it's

532
00:25:17,560 --> 00:25:19,840
Speaker 3: insurance is not just health insurance. You have to think

533
00:25:19,840 --> 00:25:24,360
Speaker 3: about life insurance, potentially disability and property and casualty insurance.

534
00:25:24,359 --> 00:25:26,520
Speaker 3: That's what you think of like home and artum So

535
00:25:26,680 --> 00:25:29,639
Speaker 3: are you adequately covered? Do you know the need? So

536
00:25:30,480 --> 00:25:32,960
Speaker 3: the reason why I was eighty percent when I first

537
00:25:33,000 --> 00:25:35,280
Speaker 3: started the book is because I thought I was well insured.

538
00:25:35,560 --> 00:25:37,400
Speaker 3: Angelie was like, yeah, girl, you're insurance like a twenty

539
00:25:37,400 --> 00:25:38,960
Speaker 3: seven year old. I'm like, that's when I got my

540
00:25:39,000 --> 00:25:43,320
Speaker 3: life insurance. You's like, exactly, this life insurance is enough

541
00:25:43,320 --> 00:25:45,280
Speaker 3: to protect your twenty seven year old self, but not

542
00:25:45,359 --> 00:25:48,600
Speaker 3: your forty forty one year old self. And so this

543
00:25:48,680 --> 00:25:50,639
Speaker 3: chapter I think is really great for people who are

544
00:25:50,680 --> 00:25:52,240
Speaker 3: like I did it. I'm good. I'm good. It's like,

545
00:25:52,520 --> 00:25:56,920
Speaker 3: are you sis, how's your insurance looking? Insurance is as

546
00:25:56,960 --> 00:26:01,840
Speaker 3: a risk management tool, you know, are you managing risks

547
00:26:01,920 --> 00:26:04,320
Speaker 3: in your life? Like are you managing risks against your assets,

548
00:26:04,359 --> 00:26:08,120
Speaker 3: against your life, against your earning potential, against your property.

549
00:26:08,359 --> 00:26:09,760
Speaker 3: So I think this is gonna be a really great

550
00:26:09,840 --> 00:26:10,400
Speaker 3: chapter for.

551
00:26:10,359 --> 00:26:12,040
Speaker 2: Folks love it.

552
00:26:12,119 --> 00:26:14,480
Speaker 1: This was the one I finally got together when I

553
00:26:14,520 --> 00:26:16,399
Speaker 1: had the baby. It was like I left the hospital,

554
00:26:16,480 --> 00:26:18,280
Speaker 1: I was like, I have to get some life insurance.

555
00:26:18,320 --> 00:26:20,479
Speaker 1: Now I have a reason. And I will say the

556
00:26:20,480 --> 00:26:23,119
Speaker 1: pandemic kind of threw me off because it was like

557
00:26:23,240 --> 00:26:25,800
Speaker 1: the people literally they come to your house and they

558
00:26:26,280 --> 00:26:29,720
Speaker 1: do like a or you go there sometimes, but they

559
00:26:29,760 --> 00:26:33,359
Speaker 1: do like a physical you know your example, well, I

560
00:26:33,400 --> 00:26:35,760
Speaker 1: think he took blood. It was like four in the morning.

561
00:26:35,800 --> 00:26:38,199
Speaker 1: I don't know, I got to really early appointment. It's

562
00:26:38,240 --> 00:26:41,080
Speaker 1: solid blur. But finally got it done back in August,

563
00:26:41,200 --> 00:26:43,440
Speaker 1: And I think that's the most common question I see

564
00:26:43,520 --> 00:26:46,040
Speaker 1: is how much is enough for life insurance?

565
00:26:46,960 --> 00:26:48,320
Speaker 2: For me, it was ten x.

566
00:26:48,400 --> 00:26:50,600
Speaker 1: I just used that rule of thumb ten x my

567
00:26:50,760 --> 00:26:55,000
Speaker 1: household income, and you know, luckily got approved. In all

568
00:26:55,040 --> 00:26:57,359
Speaker 1: of that, where's the best because people may not know

569
00:26:57,400 --> 00:27:00,600
Speaker 1: where to start shopping for an insurance policy. And by

570
00:27:00,600 --> 00:27:03,040
Speaker 1: the way, we're talking about life insurance, but also just

571
00:27:03,160 --> 00:27:05,200
Speaker 1: do you have enough home insurance? Do you have enough

572
00:27:05,480 --> 00:27:06,400
Speaker 1: property insurance?

573
00:27:06,400 --> 00:27:06,600
Speaker 3: You know?

574
00:27:06,720 --> 00:27:09,639
Speaker 1: So making sure that you're covered for those types of

575
00:27:09,640 --> 00:27:10,439
Speaker 1: things is important too.

576
00:27:11,160 --> 00:27:13,280
Speaker 3: So one of the one of my favorite sites that

577
00:27:13,280 --> 00:27:15,920
Speaker 3: that I mentioned in the book is a policy Genius,

578
00:27:16,200 --> 00:27:19,000
Speaker 3: because policy genius is not just going to help you

579
00:27:19,560 --> 00:27:22,640
Speaker 3: look for health insurance. You can just you can literally

580
00:27:22,720 --> 00:27:25,120
Speaker 3: take a quiz and it'll let you know, like, ooh girl,

581
00:27:25,160 --> 00:27:28,840
Speaker 3: you gotta pat what about kik Kiki the King in

582
00:27:29,200 --> 00:27:31,920
Speaker 3: do you have put insurance? You know? Some policy genius

583
00:27:31,960 --> 00:27:33,280
Speaker 3: is actually going to show you where you have like

584
00:27:33,359 --> 00:27:36,480
Speaker 3: plugs or holes in your insurance and make suggestions for you.

585
00:27:36,520 --> 00:27:38,800
Speaker 3: So that's when there's also select quote. That's another one.

586
00:27:39,000 --> 00:27:41,640
Speaker 3: I think it's selective. Yes, that's another one that I

587
00:27:41,760 --> 00:27:44,199
Speaker 3: like and so like just getting with it. When it

588
00:27:44,200 --> 00:27:46,560
Speaker 3: comes to insurance. You know, if you're not working with

589
00:27:46,600 --> 00:27:49,160
Speaker 3: a financial planner like I was, you know, taking one

590
00:27:49,160 --> 00:27:51,879
Speaker 3: of those quizzes to see, like, you know, do I

591
00:27:51,960 --> 00:27:54,320
Speaker 3: have enough insurance is a great place to start. So

592
00:27:54,400 --> 00:27:57,040
Speaker 3: you could slowly but surely start plugging those wholes because

593
00:27:57,080 --> 00:28:00,800
Speaker 3: the older you get, the more critical insurance become, especially

594
00:28:01,119 --> 00:28:03,360
Speaker 3: if you have dependence, especially children.

595
00:28:04,119 --> 00:28:07,480
Speaker 1: Yep, love it. Okay, three more, I'm not seventy percent

596
00:28:07,600 --> 00:28:13,960
Speaker 1: so far. Okay, grown rich, grow richish, increase your networth.

597
00:28:14,040 --> 00:28:16,200
Speaker 1: So this is when you know how to calculate your network,

598
00:28:16,600 --> 00:28:17,600
Speaker 1: which is what tiffany.

599
00:28:18,000 --> 00:28:22,040
Speaker 3: So your net worth is what you own all your assets.

600
00:28:22,560 --> 00:28:26,320
Speaker 3: Mine is what you owe all your liability. So the

601
00:28:26,359 --> 00:28:29,320
Speaker 3: owning things put money into your pocket, the owing things

602
00:28:29,320 --> 00:28:32,440
Speaker 3: take money out. So assets versus liabilities. That is what

603
00:28:32,520 --> 00:28:34,199
Speaker 3: net worth is. And so you have to know how

604
00:28:34,200 --> 00:28:36,520
Speaker 3: to calculate it, which I show you how to identify

605
00:28:36,520 --> 00:28:39,400
Speaker 3: your assets, to identify your liabilities. Actually have a net

606
00:28:39,400 --> 00:28:43,200
Speaker 3: worth worksheet in the book. It's also in your Get

607
00:28:43,240 --> 00:28:45,680
Speaker 3: Given Money like toolkit like I told you, that's available

608
00:28:45,680 --> 00:28:49,120
Speaker 3: where the book is available on get goodwith Money dot com.

609
00:28:49,240 --> 00:28:52,400
Speaker 3: There's a toolkit there, I mean a worksheet there, and

610
00:28:53,400 --> 00:28:55,720
Speaker 3: you'll want you to like, if you don't have positive

611
00:28:55,760 --> 00:28:58,480
Speaker 3: net worth, you should be learning how to increase it,

612
00:28:58,480 --> 00:29:00,800
Speaker 3: and even if you do, how to increase it by

613
00:29:00,920 --> 00:29:04,240
Speaker 3: increasing assets and decreasing liability liabilities.

614
00:29:05,440 --> 00:29:06,720
Speaker 2: Loves it this one. I cheat.

615
00:29:06,800 --> 00:29:10,200
Speaker 1: I use one of those money management apps which has

616
00:29:10,240 --> 00:29:13,400
Speaker 1: all the information between my husband and myself and then

617
00:29:13,440 --> 00:29:16,080
Speaker 1: it's a really pretty chart that we watch go up

618
00:29:16,080 --> 00:29:18,080
Speaker 1: and down and it kind of shows your net worth

619
00:29:18,480 --> 00:29:23,160
Speaker 1: net worth, which yeah, I love it. And also thinking

620
00:29:23,160 --> 00:29:25,560
Speaker 1: about if you have a mortgage. I was always thinking

621
00:29:25,560 --> 00:29:27,600
Speaker 1: of a mortgage as oh, this is a huge hit

622
00:29:27,640 --> 00:29:29,320
Speaker 1: to my net worth, but then you forget.

623
00:29:29,000 --> 00:29:30,160
Speaker 2: About the asset side of it.

624
00:29:30,320 --> 00:29:34,200
Speaker 1: Yeah you know, so your praised home value is the asset. Yeah,

625
00:29:34,760 --> 00:29:36,680
Speaker 1: you know, you factor in and then all of a sudden,

626
00:29:36,720 --> 00:29:38,640
Speaker 1: it's like, oh yay.

627
00:29:38,760 --> 00:29:41,720
Speaker 3: People people always get that message. They're like, it is

628
00:29:41,760 --> 00:29:43,760
Speaker 3: a house and acid are liability. I was like, it's

629
00:29:43,800 --> 00:29:46,560
Speaker 3: really both. Like you said, like the value of your

630
00:29:46,560 --> 00:29:49,960
Speaker 3: home is the is the asset, and then the mortgage

631
00:29:49,960 --> 00:29:52,160
Speaker 3: you have out on that home is the liability. It's

632
00:29:52,200 --> 00:29:54,040
Speaker 3: like okay, you know.

633
00:29:54,040 --> 00:29:56,680
Speaker 1: So yeah that's yeah, That's why so many folks got

634
00:29:56,680 --> 00:29:59,840
Speaker 1: burned during the housing crisis because they their home was

635
00:29:59,840 --> 00:30:03,000
Speaker 1: not worth the amount of money they had taken out

636
00:30:03,040 --> 00:30:05,719
Speaker 1: against it, so their debt they just owed more than

637
00:30:05,720 --> 00:30:09,200
Speaker 1: the house was worth. So that's the nightmare situation. Luckily

638
00:30:09,520 --> 00:30:13,520
Speaker 1: not happening here. Okay, networth, Okay, two more, Okay, so

639
00:30:13,560 --> 00:30:15,400
Speaker 1: this is obviously we're down to the last two. We

640
00:30:15,480 --> 00:30:18,320
Speaker 1: can probably figure out where Mandy has some work to do.

641
00:30:18,720 --> 00:30:22,000
Speaker 1: But number nine, pick your money team financial professionals. So

642
00:30:22,240 --> 00:30:23,080
Speaker 1: this is where you have.

643
00:30:23,280 --> 00:30:23,880
Speaker 2: So how do you.

644
00:30:23,840 --> 00:30:25,920
Speaker 1: Define what's your money team, Tiffany, Because we get asked

645
00:30:25,920 --> 00:30:29,520
Speaker 1: about you know, financial planners, but what else? Who else

646
00:30:29,600 --> 00:30:30,760
Speaker 1: is on your ideal money team?

647
00:30:31,000 --> 00:30:33,000
Speaker 3: So it depends on where you are in life. So

648
00:30:33,120 --> 00:30:36,080
Speaker 3: at the very least, I say, every single person needs

649
00:30:36,120 --> 00:30:39,040
Speaker 3: an accountability partner. It could be your work mom. It

650
00:30:39,040 --> 00:30:41,640
Speaker 3: could be your bestie, It could be your spouse, your partner,

651
00:30:42,080 --> 00:30:44,720
Speaker 3: it could be your sister, your brother, your uncle, cousin, whoever.

652
00:30:45,160 --> 00:30:48,400
Speaker 3: I do believe that money is a team sport and

653
00:30:48,480 --> 00:30:50,760
Speaker 3: if you work on it with someone, and when I

654
00:30:50,800 --> 00:30:52,760
Speaker 3: mean work on it, not like they have to be experts,

655
00:30:52,840 --> 00:30:54,840
Speaker 3: but just like, okay, I'm doing my budget this week?

656
00:30:54,840 --> 00:30:57,400
Speaker 3: Are you going to do yours this week? Okay? I'm saving. Yay,

657
00:30:57,400 --> 00:31:00,440
Speaker 3: that's good. Okay. You know, someone to keep you motivated,

658
00:31:00,720 --> 00:31:03,440
Speaker 3: someone to help normalize the process because they're going through

659
00:31:03,440 --> 00:31:07,120
Speaker 3: it as well, someone to encourage you, you know, and

660
00:31:07,160 --> 00:31:09,640
Speaker 3: sometimes someone even to set the example because maybe they're

661
00:31:09,680 --> 00:31:12,280
Speaker 3: better at something else than you when it comes to

662
00:31:12,360 --> 00:31:16,520
Speaker 3: their finances. So accountability partner across the board. And I

663
00:31:16,520 --> 00:31:18,680
Speaker 3: always know y'all know, I have the Dreamcatchers group on

664
00:31:18,760 --> 00:31:22,960
Speaker 3: Facebook Dreamcatchers Live Richer with the Budgetnista, and I tell people,

665
00:31:23,080 --> 00:31:25,440
Speaker 3: if you don't know anybody in real life that you

666
00:31:25,520 --> 00:31:28,560
Speaker 3: can get an account get to be your accountability partner.

667
00:31:28,600 --> 00:31:30,360
Speaker 3: You can always find one in that group. It's like

668
00:31:30,360 --> 00:31:32,440
Speaker 3: half a million of us in there, all working on

669
00:31:32,480 --> 00:31:35,520
Speaker 3: our finances together, so that's for sure. But then there

670
00:31:35,520 --> 00:31:38,600
Speaker 3: are people like a certified financial planner. You know, this

671
00:31:38,760 --> 00:31:42,080
Speaker 3: is someone who typically they say you should have about

672
00:31:42,120 --> 00:31:45,720
Speaker 3: two hundred and fifty thousand dollars of assets to invest

673
00:31:45,880 --> 00:31:47,840
Speaker 3: before it kind of makes financial sense. So you might

674
00:31:47,880 --> 00:31:50,120
Speaker 3: not need one, but that's someone just to keep in mind.

675
00:31:50,680 --> 00:31:54,360
Speaker 3: An insurance broker, Now this you might not need, but

676
00:31:54,560 --> 00:31:57,560
Speaker 3: if you're someone like me who I have several businesses,

677
00:31:57,600 --> 00:31:59,880
Speaker 3: so I have an insurance broker. Shout to you, David,

678
00:32:00,480 --> 00:32:03,240
Speaker 3: because you know, with my businesses and then my personal life,

679
00:32:03,280 --> 00:32:05,720
Speaker 3: like I have to have someone who was looking at

680
00:32:05,760 --> 00:32:09,800
Speaker 3: my insurance collectively to see. Like the other day, David's like, hey,

681
00:32:09,840 --> 00:32:12,520
Speaker 3: if we twitch to travelers, we can save you and

682
00:32:12,560 --> 00:32:14,920
Speaker 3: Superman three thousand dollars a year. I was like, let's

683
00:32:14,960 --> 00:32:19,880
Speaker 3: do it. You know, and estate planning attorney. You may

684
00:32:20,000 --> 00:32:21,480
Speaker 3: or may not need one, but I wanted to put

685
00:32:21,520 --> 00:32:23,560
Speaker 3: it out there. What I love about in the book

686
00:32:23,600 --> 00:32:27,320
Speaker 3: is that I explain who these people are, whether or

687
00:32:27,360 --> 00:32:29,000
Speaker 3: not you may or might not need it, how much

688
00:32:29,040 --> 00:32:31,520
Speaker 3: they typically get paid, if it makes sense, and how

689
00:32:31,520 --> 00:32:33,959
Speaker 3: they're usually paid and less but not least a CPA

690
00:32:34,000 --> 00:32:37,400
Speaker 3: has Certified public accountant. You don't necessarily need one because

691
00:32:37,520 --> 00:32:39,200
Speaker 3: you might do your own taxes if you've got a

692
00:32:39,240 --> 00:32:42,440
Speaker 3: simple ten forty easy you know, turbo tax is fine,

693
00:32:42,880 --> 00:32:47,720
Speaker 3: you know. So I just share in this particular part

694
00:32:47,760 --> 00:32:50,640
Speaker 3: of the book, these are just like, hey, here's who

695
00:32:50,760 --> 00:32:55,080
Speaker 3: you might consider and why, but make the best choice

696
00:32:55,120 --> 00:32:57,000
Speaker 3: for you when it comes to picking your money team.

697
00:32:57,920 --> 00:33:00,400
Speaker 1: Yeah, I think that so for me, the one that

698
00:33:00,960 --> 00:33:03,239
Speaker 1: I don't think I need an insurance broker. I do

699
00:33:03,320 --> 00:33:05,520
Speaker 1: have a CFP that I work with every once in

700
00:33:05,560 --> 00:33:07,560
Speaker 1: a while. Helen's probably like, you haven't called me in

701
00:33:07,600 --> 00:33:10,800
Speaker 1: a minute, what's going on? But for me, this is

702
00:33:11,000 --> 00:33:13,400
Speaker 1: it's sort of a combo between nine and ten, which

703
00:33:13,440 --> 00:33:16,120
Speaker 1: is leave a legacy about estate planning. I don't feel

704
00:33:16,160 --> 00:33:19,200
Speaker 1: like I've gotten my estate planning down the way that

705
00:33:19,240 --> 00:33:21,200
Speaker 1: I or you know what, even just to have a

706
00:33:21,240 --> 00:33:25,360
Speaker 1: professional look at my look at my stuff and say, yeah, okay,

707
00:33:25,360 --> 00:33:27,840
Speaker 1: you've got a plan because I don't have a plan

708
00:33:28,000 --> 00:33:31,200
Speaker 1: like written down. I've got my beneficiaries checked off. I

709
00:33:31,240 --> 00:33:33,920
Speaker 1: got my little life insurance. But I just really want

710
00:33:33,960 --> 00:33:36,280
Speaker 1: to make sure that my family is yeah, is set

711
00:33:36,320 --> 00:33:39,640
Speaker 1: up and my legacy is my financial legacy lives on.

712
00:33:39,720 --> 00:33:42,920
Speaker 1: So let's talk about number ten leading a legacy.

713
00:33:43,040 --> 00:33:46,160
Speaker 3: So about that for you. Here's why I am ninety

714
00:33:46,240 --> 00:33:48,920
Speaker 3: percent as well. Like I think that people don't get,

715
00:33:48,960 --> 00:33:51,600
Speaker 3: you know, I'm all the way transparent, like I am

716
00:33:51,680 --> 00:33:54,800
Speaker 3: working on. I probably was one hundred percent before because

717
00:33:54,880 --> 00:33:58,480
Speaker 3: financial hollness is very fluid, right, So I could have

718
00:33:58,480 --> 00:34:01,240
Speaker 3: been one hundred percent before because I didn't need a

719
00:34:01,280 --> 00:34:04,680
Speaker 3: trust before. But I've grown my assets have grown to

720
00:34:04,960 --> 00:34:07,320
Speaker 3: a space in the place where I need a trust now,

721
00:34:07,360 --> 00:34:09,640
Speaker 3: so I'm no longer one hundred percent. I'm ninety. So

722
00:34:09,680 --> 00:34:13,360
Speaker 3: I'm working on a trust now with Tony Moore, my attorney,

723
00:34:13,800 --> 00:34:16,680
Speaker 3: My husband, and I are so with leaving a legacy

724
00:34:16,680 --> 00:34:19,960
Speaker 3: of state planning. This is when you've identified and completed

725
00:34:20,480 --> 00:34:23,239
Speaker 3: the components of an estate plan, so that is potentially

726
00:34:23,280 --> 00:34:27,600
Speaker 3: a will, trust, beneficiaries on your accounts, you know, and

727
00:34:27,640 --> 00:34:32,200
Speaker 3: you have executed, signed, and funded your state plan. Tony,

728
00:34:32,200 --> 00:34:34,759
Speaker 3: which oddly enough told me that Mandy people will work

729
00:34:34,760 --> 00:34:36,799
Speaker 3: with her for six months to do a trust and

730
00:34:36,840 --> 00:34:39,960
Speaker 3: then not put the stuff into trust and funded. She's like,

731
00:34:40,000 --> 00:34:41,520
Speaker 3: so you paid all this money for me to make

732
00:34:41,560 --> 00:34:43,719
Speaker 3: your trust. But it's almost like they're afraid of they

733
00:34:43,719 --> 00:34:45,680
Speaker 3: create the trust or the will that the next day

734
00:34:45,680 --> 00:34:46,719
Speaker 3: they pass away.

735
00:34:47,280 --> 00:34:49,000
Speaker 2: You know, It's true.

736
00:34:49,080 --> 00:34:51,640
Speaker 1: It's all this is so wrapped up in the emotions

737
00:34:51,680 --> 00:34:55,240
Speaker 1: behind death. That's why it's for me, even just getting

738
00:34:55,280 --> 00:34:58,560
Speaker 1: life insurance, I have to stop myself from thinking about

739
00:34:58,960 --> 00:35:01,319
Speaker 1: the reason I'm getting this so if I die, but

740
00:35:01,600 --> 00:35:02,560
Speaker 1: I'm not gonna.

741
00:35:02,280 --> 00:35:05,200
Speaker 2: Die and mite not for my baby. Like yes, it's

742
00:35:05,239 --> 00:35:06,080
Speaker 2: really it's hard.

743
00:35:06,360 --> 00:35:08,400
Speaker 1: The emotions of it are really hard to unpack. You

744
00:35:08,440 --> 00:35:11,080
Speaker 1: have to kind of like compartmentalize it all exactly.

745
00:35:11,120 --> 00:35:14,920
Speaker 3: And so like I just honestly like, financial wholeness is

746
00:35:14,960 --> 00:35:17,920
Speaker 3: my love language. Like here's what because people ask me,

747
00:35:18,000 --> 00:35:20,160
Speaker 3: like what is because so the book is called Get

748
00:35:20,320 --> 00:35:24,760
Speaker 3: Good with Money, Ten Simple Steps to Becoming Financially Whole,

749
00:35:25,120 --> 00:35:27,720
Speaker 3: and so like folks ask me, like, what is financial holeness?

750
00:35:27,719 --> 00:35:29,759
Speaker 3: That is when these ten components that I just went

751
00:35:29,800 --> 00:35:33,680
Speaker 3: over really like kind of work together as a team

752
00:35:34,200 --> 00:35:39,080
Speaker 3: to create the strongest financial foundation possible. It means that

753
00:35:39,560 --> 00:35:43,319
Speaker 3: when pandemic and quarantine and these things happen, not that

754
00:35:43,440 --> 00:35:46,759
Speaker 3: you won't have any financial trauma or drama, but that

755
00:35:46,800 --> 00:35:49,920
Speaker 3: you won't be shocked like rock to the core like

756
00:35:49,960 --> 00:35:52,799
Speaker 3: maybe you otherwise would have been, because you have these

757
00:35:52,800 --> 00:35:55,479
Speaker 3: things in place, and it's not something that you're gonna

758
00:35:55,520 --> 00:35:57,440
Speaker 3: You're not gonna do this in six months or in

759
00:35:57,480 --> 00:35:59,600
Speaker 3: a year. These are going to be things that you

760
00:35:59,680 --> 00:36:03,239
Speaker 3: slow grow too. And what will happen is as your

761
00:36:03,280 --> 00:36:06,920
Speaker 3: life grows, things will look different. So financial homeness for

762
00:36:06,960 --> 00:36:09,560
Speaker 3: your twenty one year old self is different than financial

763
00:36:09,560 --> 00:36:12,080
Speaker 3: homeness for your forty year old self. Like I said before,

764
00:36:12,560 --> 00:36:16,360
Speaker 3: when I was twenty seven, my estate planning I was

765
00:36:16,400 --> 00:36:19,719
Speaker 3: fine because I had all I didn't really have much

766
00:36:19,760 --> 00:36:22,719
Speaker 3: of in the way of assets, but the assets I

767
00:36:22,760 --> 00:36:26,440
Speaker 3: did have, like I had a life insurance policy and

768
00:36:26,480 --> 00:36:28,920
Speaker 3: my bank accounts, my mom and my sisters and my

769
00:36:28,960 --> 00:36:31,000
Speaker 3: father were the beneficiaries and all of that. That's the

770
00:36:31,080 --> 00:36:33,760
Speaker 3: state planning for a twenty something year old with no children,

771
00:36:34,120 --> 00:36:37,080
Speaker 3: you know, and no major assets. That was fine. So

772
00:36:37,320 --> 00:36:39,600
Speaker 3: what's so great about financial holness is that it grows

773
00:36:39,680 --> 00:36:42,280
Speaker 3: up with you that as you grow up, you start

774
00:36:42,320 --> 00:36:44,359
Speaker 3: to realize that you can look back and say, oh,

775
00:36:45,120 --> 00:36:48,680
Speaker 3: my insurance, like I just got good with insurance, because

776
00:36:48,840 --> 00:36:52,239
Speaker 3: my insurance before was fine, but now I'm married, I've

777
00:36:52,280 --> 00:36:55,080
Speaker 3: got a bonus daughter, I've got nieces and nephews, I've

778
00:36:55,080 --> 00:36:58,680
Speaker 3: got additional businesses. So as a result, my insurance had

779
00:36:58,719 --> 00:37:01,160
Speaker 3: to grow to meebe where I us. And so financial

780
00:37:01,239 --> 00:37:05,200
Speaker 3: homeless just know that you're ever evolving. And why I

781
00:37:05,320 --> 00:37:09,360
Speaker 3: like financial holeness versus financial freedom is that many financial

782
00:37:09,360 --> 00:37:15,000
Speaker 3: freedom to seem so it was not inclusive, right, So

783
00:37:15,040 --> 00:37:17,600
Speaker 3: with financial freedom, typically people say like kind of like

784
00:37:17,600 --> 00:37:20,680
Speaker 3: they have like this money set aside and it allows

785
00:37:20,680 --> 00:37:24,239
Speaker 3: them not to work anymore. And that's great, But are

786
00:37:24,280 --> 00:37:27,799
Speaker 3: you fully insured? I wasn't. Do you have an estate plan?

787
00:37:27,880 --> 00:37:30,239
Speaker 3: It doesn't address that, you know what I mean? Like,

788
00:37:30,280 --> 00:37:33,000
Speaker 3: do you have your like your financial team set up?

789
00:37:33,040 --> 00:37:35,239
Speaker 3: So maybe you have a budget and you're saving, but

790
00:37:35,440 --> 00:37:38,840
Speaker 3: just because you're financially free. Because I was financially free,

791
00:37:39,200 --> 00:37:43,759
Speaker 3: but I was not financially whole. There's more protection and

792
00:37:45,000 --> 00:37:47,920
Speaker 3: your ability to maintain where you are with financial holeness.

793
00:37:47,920 --> 00:37:50,200
Speaker 3: And I would say financial freedom is for a few people,

794
00:37:50,200 --> 00:37:53,400
Speaker 3: but financial hollness is literally for everyone.

795
00:37:53,600 --> 00:37:56,160
Speaker 1: So if this is just a tiny nugget of what

796
00:37:56,200 --> 00:37:58,279
Speaker 1: the book is like, I can't wait to get it

797
00:37:58,360 --> 00:38:02,640
Speaker 1: to my cousin myself. I don't know what the audiobook,

798
00:38:02,640 --> 00:38:03,879
Speaker 1: even though I talk to you every week. I feel

799
00:38:03,880 --> 00:38:05,399
Speaker 1: like the audiobook's probably really good.

800
00:38:05,800 --> 00:38:09,640
Speaker 3: You know. There's a clip that we were posting and

801
00:38:09,680 --> 00:38:11,920
Speaker 3: I was so nervous to listen to it because I

802
00:38:11,960 --> 00:38:13,880
Speaker 3: was like, oh good, because you just don't know how

803
00:38:13,920 --> 00:38:16,400
Speaker 3: you sound. I'm like, was I sounding stupid? You know?

804
00:38:16,560 --> 00:38:19,520
Speaker 3: Was I talking too fast? Da? Da? So they gave

805
00:38:19,560 --> 00:38:21,600
Speaker 3: me this clip of like I'm telling the story like

806
00:38:21,680 --> 00:38:24,200
Speaker 3: of one of my first financial lessons because my sister

807
00:38:24,239 --> 00:38:26,480
Speaker 3: Tracy was like, and if you I mean, if you

808
00:38:26,520 --> 00:38:28,960
Speaker 3: know sisters, they don't care anything about your feelings. Like

809
00:38:29,680 --> 00:38:31,840
Speaker 3: my sisters were literally like that picture of you on

810
00:38:31,880 --> 00:38:33,560
Speaker 3: the cover of your book, it's cute, but you're smiling

811
00:38:33,600 --> 00:38:35,800
Speaker 3: too hard. Girl. I'm in gums. I'm like, tell Jesus

812
00:38:35,920 --> 00:38:38,800
Speaker 3: because he made my smile. You tell Jesus. Like literally,

813
00:38:38,800 --> 00:38:40,719
Speaker 3: That's what was happening in the WhatsApp. In the group chat,

814
00:38:41,000 --> 00:38:43,000
Speaker 3: my sisters were going back and forth about is it

815
00:38:43,080 --> 00:38:44,800
Speaker 3: too gummy? It is? I was like, I'm here, I

816
00:38:44,840 --> 00:38:48,200
Speaker 3: can read, I can see you. But that's sisters, you know,

817
00:38:48,239 --> 00:38:49,759
Speaker 3: so I don't you know your sisters are going to

818
00:38:49,800 --> 00:38:53,120
Speaker 3: tell you like it is, especially Tracy. So when she said,

819
00:38:53,120 --> 00:38:54,919
Speaker 3: did you listen to the audio version like that clip

820
00:38:54,960 --> 00:38:58,040
Speaker 3: they sent you? And I was like, cause she's my papulocist,

821
00:38:58,280 --> 00:39:00,520
Speaker 3: And I was like I was waiting for her to, like,

822
00:39:00,560 --> 00:39:02,200
Speaker 3: you know, crack a joke and be like, Si, you

823
00:39:02,239 --> 00:39:04,040
Speaker 3: sounded terrible, but it is what it is, because she'll

824
00:39:04,080 --> 00:39:06,319
Speaker 3: say something like that and she was like it was good.

825
00:39:06,360 --> 00:39:09,040
Speaker 3: I was like, Okay, She's like no, She's like, you

826
00:39:09,080 --> 00:39:10,319
Speaker 3: know how like I hear you talk all the time,

827
00:39:10,320 --> 00:39:12,400
Speaker 3: and I'm like nobody cares. And I heard that story

828
00:39:12,440 --> 00:39:14,640
Speaker 3: so many times and I'm like, nobody cares. She's like,

829
00:39:14,680 --> 00:39:16,560
Speaker 3: I listened to the whole thing, like I leaned in.

830
00:39:17,160 --> 00:39:19,640
Speaker 3: I was like, what a nice.

831
00:39:19,440 --> 00:39:25,000
Speaker 1: Word on the New York Times Bestseller's list quote sister

832
00:39:25,040 --> 00:39:28,000
Speaker 1: Tracy had nothing mean to say about it.

833
00:39:28,239 --> 00:39:30,319
Speaker 3: I was like, what, She's like, no for else good?

834
00:39:30,360 --> 00:39:32,319
Speaker 3: I was like, you know, just being nice. She looked

835
00:39:32,320 --> 00:39:33,680
Speaker 3: at me like, girl, why would.

836
00:39:33,440 --> 00:39:37,880
Speaker 1: I just be seriously if you got some audible credits

837
00:39:37,960 --> 00:39:38,920
Speaker 1: knocking around like I do?

838
00:39:39,480 --> 00:39:42,640
Speaker 3: But I ordered like I did because I had like

839
00:39:42,680 --> 00:39:44,640
Speaker 3: four credits and it was like one credit. So I

840
00:39:44,680 --> 00:39:46,600
Speaker 3: got it cause I was like I want to hear it.

841
00:39:46,680 --> 00:39:49,440
Speaker 3: So yes, for sure, though, but if y'all want to

842
00:39:49,440 --> 00:39:51,120
Speaker 3: help me, you know, make it to the Mayor Times,

843
00:39:51,480 --> 00:39:53,680
Speaker 3: then they don't count audible. You should certainly use your

844
00:39:53,680 --> 00:39:56,320
Speaker 3: audible credit. They don't count audible. They only count like

845
00:39:56,360 --> 00:39:59,560
Speaker 3: the hardcover books. And like, you're kidding, I don't think

846
00:39:59,640 --> 00:40:01,920
Speaker 3: this that is, but I still say get it for

847
00:40:02,239 --> 00:40:03,840
Speaker 3: you know, like if you got a free credit, I

848
00:40:03,840 --> 00:40:04,880
Speaker 3: still say, you know, get it.

849
00:40:05,960 --> 00:40:06,960
Speaker 2: Then you have both.

850
00:40:07,040 --> 00:40:08,680
Speaker 1: Then you can take it in the car with you

851
00:40:08,800 --> 00:40:10,600
Speaker 1: or on your walks and you come back home with

852
00:40:10,640 --> 00:40:12,560
Speaker 1: your cup of coffee and then you keep reading, you know,

853
00:40:12,960 --> 00:40:16,480
Speaker 1: the real book. It's like get Good, Get Good, a

854
00:40:16,600 --> 00:40:17,759
Speaker 1: symphony us on that.

855
00:40:19,320 --> 00:40:20,920
Speaker 3: But if you guys are wanting to get it should

856
00:40:20,920 --> 00:40:24,040
Speaker 3: be in the show notes. But certainly go ahead to

857
00:40:24,239 --> 00:40:27,560
Speaker 3: get Good with money dot com. One of the things

858
00:40:27,560 --> 00:40:29,640
Speaker 3: that I'm committed to doing is that we try to

859
00:40:29,640 --> 00:40:33,440
Speaker 3: do a rotation of like I showcase a black bookstore

860
00:40:33,880 --> 00:40:35,640
Speaker 3: at the top of the page, so you can, like

861
00:40:35,680 --> 00:40:37,200
Speaker 3: you can order from all those other places, and I

862
00:40:37,239 --> 00:40:39,040
Speaker 3: have all the logos like at Amazon and Bonds and

863
00:40:39,080 --> 00:40:41,719
Speaker 3: Nobles and targeting all those places, but at the very

864
00:40:41,840 --> 00:40:44,680
Speaker 3: very top, I say, want to support a black bookstore.

865
00:40:44,840 --> 00:40:47,000
Speaker 3: So the one that's currently there, depending when you're listening.

866
00:40:47,040 --> 00:40:49,319
Speaker 3: But if you're listening like the week of pub date three,

867
00:40:49,640 --> 00:40:54,680
Speaker 3: three thirty two, two thousand, we'll give me two thousand,

868
00:40:55,680 --> 00:40:59,600
Speaker 3: twenty twenty one. What's currently showcase is bookstore in my

869
00:40:59,640 --> 00:41:03,640
Speaker 3: hometown called Source of Knowledge. It's an amazing black owned

870
00:41:03,680 --> 00:41:06,480
Speaker 3: bookstore Newark and Manny, the story is so amazing, So

871
00:41:06,600 --> 00:41:08,560
Speaker 3: you know, Newark is totally like gentrifying, like trying to

872
00:41:08,560 --> 00:41:12,000
Speaker 3: be Brooklyn and this black owned bookstore. The woman who

873
00:41:12,000 --> 00:41:15,400
Speaker 3: owns it. Nobody wanted to buy anything in Newark, not

874
00:41:15,480 --> 00:41:17,759
Speaker 3: any business owners. She bought the building years ago for

875
00:41:17,800 --> 00:41:21,320
Speaker 3: pennies because no one Newark, we don't want it. Now

876
00:41:21,400 --> 00:41:25,800
Speaker 3: that downtown Newark is like beautifying itself. I mean, big

877
00:41:25,840 --> 00:41:29,160
Speaker 3: hotels and all these things are coming to downtown Newark.

878
00:41:29,440 --> 00:41:31,480
Speaker 3: They tried to buy hers. They bought all the other

879
00:41:31,520 --> 00:41:33,680
Speaker 3: little mama pop stores around her, and she was like, nope,

880
00:41:34,000 --> 00:41:36,960
Speaker 3: I want source of knowledge, black bookstore that carries black

881
00:41:37,000 --> 00:41:39,200
Speaker 3: books to be in the middle of all of that.

882
00:41:39,239 --> 00:41:41,000
Speaker 3: And they're like, what about this, nope, what about that? Nope.

883
00:41:41,080 --> 00:41:42,799
Speaker 3: They even tried to buy the air right so they

884
00:41:42,800 --> 00:41:45,160
Speaker 3: can build on top of her, can you imagine? And

885
00:41:45,200 --> 00:41:48,239
Speaker 3: they weren't able to mm hm. And so it's so

886
00:41:48,600 --> 00:41:51,160
Speaker 3: like she's just it's just like the woman who's there.

887
00:41:51,520 --> 00:41:54,000
Speaker 3: They have African masks in there. I used to go

888
00:41:54,040 --> 00:41:56,040
Speaker 3: in there in college and you could just discover so

889
00:41:56,120 --> 00:42:00,440
Speaker 3: many amazing books. I have never seen more black children

890
00:42:00,480 --> 00:42:02,120
Speaker 3: on books, and in that bookstore, I didn't even know

891
00:42:02,160 --> 00:42:05,600
Speaker 3: all these black children's books existed. She's got children's book,

892
00:42:05,640 --> 00:42:09,560
Speaker 3: adult books, romance novels, everything. Like it's just so I

893
00:42:09,560 --> 00:42:12,279
Speaker 3: say all that to say, it's currently right at the

894
00:42:12,320 --> 00:42:14,640
Speaker 3: top of my page. If you want to support a

895
00:42:14,680 --> 00:42:17,120
Speaker 3: local a black on bookstore, and I do a rotation.

896
00:42:17,239 --> 00:42:19,799
Speaker 3: Before that, I had Mahogamy Books, which is I think,

897
00:42:19,800 --> 00:42:21,600
Speaker 3: get what they're based at it, but they're an amazing

898
00:42:21,600 --> 00:42:24,320
Speaker 3: bookstore as well, And so I'll just be doing a

899
00:42:24,400 --> 00:42:27,200
Speaker 3: rotation probably like every month or maybe every quarter, just

900
00:42:27,280 --> 00:42:29,080
Speaker 3: to show kids a black owned bookstore so they get

901
00:42:29,160 --> 00:42:32,120
Speaker 3: some shine over there. But yeah, this has just been

902
00:42:32,760 --> 00:42:36,239
Speaker 3: like I said, it's been an awesome experience and just

903
00:42:36,280 --> 00:42:39,440
Speaker 3: the way it's been rolling out, you know, like go

904
00:42:39,480 --> 00:42:43,440
Speaker 3: to get Goodwi money dot com to support take the quiz.

905
00:42:43,880 --> 00:42:46,960
Speaker 3: There's a toolkit that's there, high key, low key. You

906
00:42:47,000 --> 00:42:48,200
Speaker 3: don't have to pay to get the tool kit. Every

907
00:42:48,200 --> 00:42:49,680
Speaker 3: it's like you're gonna make people pay. I'm like, girls,

908
00:42:49,800 --> 00:42:51,000
Speaker 3: it's just part of the book, you know. Me. I

909
00:42:51,040 --> 00:42:54,360
Speaker 3: love a free like in the tool I do because

910
00:42:54,360 --> 00:42:57,400
Speaker 3: I'm just like the toolkit has all of the resources

911
00:42:57,400 --> 00:43:00,120
Speaker 3: that I listened in the book by chapter. Like if

912
00:43:00,160 --> 00:43:03,040
Speaker 3: I say I have my favorite banks, I list my

913
00:43:03,080 --> 00:43:05,480
Speaker 3: favorite banks. If I say my favorite ways to get

914
00:43:05,480 --> 00:43:07,880
Speaker 3: your credit report, I list them there. So that's like

915
00:43:07,920 --> 00:43:11,320
Speaker 3: that's what's in the toolkit. So I mean it doesn't

916
00:43:11,400 --> 00:43:13,279
Speaker 3: kind of make sense without the book, but certainly you know,

917
00:43:13,320 --> 00:43:14,680
Speaker 3: you can stick your head and if you want to

918
00:43:14,719 --> 00:43:21,160
Speaker 3: take a look, look see. But yeah, the baby is born.

919
00:43:21,480 --> 00:43:26,040
Speaker 3: Oh and please leave a review five stars. I'm not

920
00:43:26,080 --> 00:43:31,400
Speaker 3: allowed to say that, but it starts. And please, please please,

921
00:43:31,400 --> 00:43:34,160
Speaker 3: when you physically get your book, to post it on

922
00:43:34,239 --> 00:43:37,280
Speaker 3: social and to tag me so I can reshare it. Please,

923
00:43:37,760 --> 00:43:40,319
Speaker 3: like just you know, Tiffany, I got my book and

924
00:43:40,360 --> 00:43:43,719
Speaker 3: tag me. And so my promise is this, once I

925
00:43:43,760 --> 00:43:47,120
Speaker 3: get to five hundred reviews on Amazon and Bars and Nobles,

926
00:43:47,200 --> 00:43:50,399
Speaker 3: I'm going to do a free mini book club. We'll

927
00:43:50,440 --> 00:43:53,640
Speaker 3: pick a chapter collectively together, we'll read it and then

928
00:43:53,680 --> 00:43:55,400
Speaker 3: we'll have like a session like a you know, a

929
00:43:55,480 --> 00:43:57,799
Speaker 3: jam session one night, like a two hour session going

930
00:43:57,840 --> 00:43:59,719
Speaker 3: over that chapter. So that is my gift to you.

931
00:43:59,760 --> 00:44:02,600
Speaker 3: Once I get to five hundred reviews on Amazon and

932
00:44:02,640 --> 00:44:04,680
Speaker 3: on Barns and Nobles, we'll do a book club for free.

933
00:44:05,120 --> 00:44:06,879
Speaker 1: Oh my gosh, I mean, I just know I got

934
00:44:06,880 --> 00:44:09,480
Speaker 1: teary eyed when Molly Moore came in the mail. So

935
00:44:09,600 --> 00:44:11,960
Speaker 1: I can't eaven and I can't wait till Rio is

936
00:44:11,960 --> 00:44:13,719
Speaker 1: big enough to where I trust him to not rip

937
00:44:13,760 --> 00:44:17,279
Speaker 1: the pages and he can actually read it because that's

938
00:44:17,320 --> 00:44:18,000
Speaker 1: on the way.

939
00:44:17,920 --> 00:44:21,640
Speaker 2: Top of the bookshelf. But yes, I am.

940
00:44:21,920 --> 00:44:23,960
Speaker 1: I am going to contact and if you guys too,

941
00:44:23,960 --> 00:44:26,359
Speaker 1: like Tiffany said, contact your local bookstores and ask if

942
00:44:26,360 --> 00:44:28,600
Speaker 1: they have it, and ask your library.

943
00:44:28,560 --> 00:44:31,000
Speaker 2: Yes, ask your library if they have it. I'm I'm calling.

944
00:44:31,520 --> 00:44:33,799
Speaker 1: Yes, I'm gonna call my my local bookstore and see

945
00:44:33,840 --> 00:44:34,480
Speaker 1: if they've got it.

946
00:44:34,560 --> 00:44:35,359
Speaker 2: And then I'm gonna go.

947
00:44:36,480 --> 00:44:37,840
Speaker 1: I'm gonna get in the cart to night try and

948
00:44:37,840 --> 00:44:38,520
Speaker 1: go find this. Damn.

949
00:44:39,440 --> 00:44:41,640
Speaker 3: I'm telling Barns and Nobles has it? Just ask them.

950
00:44:41,760 --> 00:44:43,480
Speaker 2: You got me out here in the streets go.

951
00:44:43,480 --> 00:44:45,399
Speaker 3: To local Barns and Nobles saying, hey, I'd like gack

952
00:44:45,440 --> 00:44:46,880
Speaker 3: it with money. Thanks.

953
00:44:47,200 --> 00:44:49,400
Speaker 2: Yes, I'm gonna say it very loud. Excuse me.

954
00:44:50,680 --> 00:44:54,799
Speaker 1: There's a best selling book that I'm good about by

955
00:44:54,840 --> 00:44:59,000
Speaker 1: Tiffany Alice. Well, seriously, okay, this was so fun. I

956
00:44:59,040 --> 00:45:01,719
Speaker 1: can't believe this is my we finally talking about the book.

957
00:45:01,719 --> 00:45:04,000
Speaker 1: It's launching this week. You guys, go to get Good

958
00:45:04,040 --> 00:45:06,400
Speaker 1: with Money dot com. Buy a book, and don't just

959
00:45:06,440 --> 00:45:09,319
Speaker 1: buy one, buy one for a friend. College is you know,

960
00:45:09,440 --> 00:45:11,640
Speaker 1: college graduations coming up? I can see this being the

961
00:45:11,640 --> 00:45:14,080
Speaker 1: book that you don't just give to a college grad once,

962
00:45:14,080 --> 00:45:16,719
Speaker 1: but they carry it through them, through with them through

963
00:45:16,719 --> 00:45:19,520
Speaker 1: the next couple decades of their life. Even I'm gonna

964
00:45:19,560 --> 00:45:21,080
Speaker 1: put this book in my estate plan.

965
00:45:21,640 --> 00:45:24,040
Speaker 3: You maybe just text me that her purchase of the

966
00:45:24,080 --> 00:45:27,000
Speaker 3: of the of the audio version, m Mandy. I just

967
00:45:27,040 --> 00:45:29,480
Speaker 3: love at the bottom that you are clearly listening to

968
00:45:29,560 --> 00:45:33,920
Speaker 3: Harry Potter, and because it shows you what she's listening to. Curly, Oh,

969
00:45:34,000 --> 00:45:36,560
Speaker 3: I am going to call me out like that, look

970
00:45:36,600 --> 00:45:39,479
Speaker 3: at listen to Harry Potter. Well by get good money.

971
00:45:39,520 --> 00:45:41,480
Speaker 3: She's like, I'm an adult, but a kid, but an adult.

972
00:45:41,520 --> 00:45:43,600
Speaker 1: But I listened to Harry Potter to go to sleep

973
00:45:43,640 --> 00:45:46,400
Speaker 1: at night. It puts me at ease, don't it's my meditation?

974
00:45:46,600 --> 00:45:46,880
Speaker 2: Okay.

975
00:45:46,880 --> 00:45:49,680
Speaker 3: I was like, oh, look, I was like, what's this

976
00:45:49,719 --> 00:45:51,040
Speaker 3: at the bottom Harry Potter?

977
00:45:51,560 --> 00:45:52,000
Speaker 2: Interesting?

978
00:45:52,480 --> 00:45:55,239
Speaker 1: I have all seven don't Okay? All right, Well, I'm

979
00:45:55,360 --> 00:45:57,600
Speaker 1: just I'm I'm just I can't stop gassing you up

980
00:45:57,600 --> 00:45:59,520
Speaker 1: because it's like, how often do you get to gas

981
00:45:59,560 --> 00:46:02,839
Speaker 1: up your friend for their huge book that's coming out.

982
00:46:02,880 --> 00:46:06,719
Speaker 1: So if it's annoying to you listeners who can love it,

983
00:46:06,800 --> 00:46:07,120
Speaker 1: thank you.

984
00:46:07,200 --> 00:46:08,080
Speaker 2: So I mean thank you.

985
00:46:08,160 --> 00:46:11,640
Speaker 1: Thanks Tiffy, Yeah, thank you, thank you, and congrat.

986
00:46:31,040 --> 00:46:37,360
Speaker 3: Now it time to booster break or booster break or

987
00:46:37,880 --> 00:46:43,560
Speaker 3: booster break? Are you going boost? Are you going to break?

988
00:46:44,880 --> 00:46:46,600
Speaker 3: You won't boost, You're gonna break.

989
00:46:46,920 --> 00:46:50,279
Speaker 1: I can hear rer all he's having a ball.

990
00:46:52,840 --> 00:46:55,319
Speaker 3: Oh manager, are you gonna booster or are you going

991
00:46:55,360 --> 00:46:56,440
Speaker 3: to break?

992
00:46:56,800 --> 00:46:59,000
Speaker 1: I have to do a break because George is up

993
00:46:59,040 --> 00:47:05,120
Speaker 1: to no good. Georgia, you saved us and now you're

994
00:47:05,120 --> 00:47:08,840
Speaker 1: trying to undo it. Well, lixten, I will keep this brief,

995
00:47:08,840 --> 00:47:14,920
Speaker 1: but essentially in Georgia, Georgia Republicans passed a sweeping voter

996
00:47:16,080 --> 00:47:19,960
Speaker 1: law that pretty much is a new form of Jim

997
00:47:20,000 --> 00:47:23,360
Speaker 1: Crow in a way. It has restricted voting access in

998
00:47:23,400 --> 00:47:27,920
Speaker 1: the state. It's making it more difficult to bring proper identifications,

999
00:47:27,960 --> 00:47:31,920
Speaker 1: so it's increasing the voter identification requirements for absentee voting.

1000
00:47:32,440 --> 00:47:36,680
Speaker 1: It's sorry, absentee balloting. It's limiting drop boxes. Those were

1001
00:47:36,719 --> 00:47:39,239
Speaker 1: the really cool, you know drop boxes you could use

1002
00:47:39,239 --> 00:47:41,799
Speaker 1: in the pandemic to save your life, to stay in line.

1003
00:47:42,560 --> 00:47:47,080
Speaker 1: And they are expanding the state legislator's power over elections.

1004
00:47:47,200 --> 00:47:50,000
Speaker 1: So it actually makes Georgia. This is according to the

1005
00:47:50,040 --> 00:47:54,000
Speaker 1: new York Times, the first major battleground to overhaul its

1006
00:47:54,040 --> 00:47:58,799
Speaker 1: election system since last year's presidential contest. So it's ironic

1007
00:47:59,000 --> 00:48:02,239
Speaker 1: that everyone raise Georgia, especially if you were, you know,

1008
00:48:02,360 --> 00:48:05,360
Speaker 1: voting Democrat and wanted a certain election outcome. You know,

1009
00:48:05,440 --> 00:48:09,319
Speaker 1: Georgia went blue for the first time in decades, and

1010
00:48:10,360 --> 00:48:13,000
Speaker 1: it just goes to show you it doesn't matter. It

1011
00:48:13,040 --> 00:48:15,360
Speaker 1: does matter who the president is, don't get me wrong,

1012
00:48:15,560 --> 00:48:17,839
Speaker 1: but it matters even more to pay attention to what's

1013
00:48:17,880 --> 00:48:21,839
Speaker 1: happening on your state Capitol hill and your state legislature.

1014
00:48:22,000 --> 00:48:25,040
Speaker 1: So if you're listening and you're from Georgia, make noise.

1015
00:48:25,160 --> 00:48:28,280
Speaker 1: You know, even though this law has passed, it's being widely,

1016
00:48:28,400 --> 00:48:32,360
Speaker 1: widely disputed, So make some noise. Voting rights groups like

1017
00:48:32,400 --> 00:48:35,560
Speaker 1: Stacy Abram's Fair Fight Action that I've been supporting for

1018
00:48:35,600 --> 00:48:38,200
Speaker 1: a long time, they are out there making noise, and

1019
00:48:38,239 --> 00:48:43,000
Speaker 1: they're asking businesses to withdraw support of certain candidates and

1020
00:48:43,120 --> 00:48:47,360
Speaker 1: certain legislators who have voted for this particular piece of legislation.

1021
00:48:47,840 --> 00:48:49,840
Speaker 1: But yeah, it's really really terrifying. This is not the

1022
00:48:49,880 --> 00:48:53,000
Speaker 1: direction that I think we should be going. Voting should

1023
00:48:53,000 --> 00:48:55,759
Speaker 1: be getting easier, it should not be getting harder. It's

1024
00:48:55,800 --> 00:49:00,400
Speaker 1: really just a very thinly veiled effort to sup press

1025
00:49:00,960 --> 00:49:04,720
Speaker 1: votes that are not convenient to a certain political party.

1026
00:49:04,800 --> 00:49:07,480
Speaker 2: So wanh wanh wanah. But that's my break.

1027
00:49:08,239 --> 00:49:11,080
Speaker 3: Oh yes, I saw that. I was like, thankfully Stacey Abrams.

1028
00:49:11,120 --> 00:49:15,040
Speaker 3: You know, she is very clear and understanding what this is.

1029
00:49:15,200 --> 00:49:19,880
Speaker 3: They're calling these like Jim Crow laws basically, and so yeah,

1030
00:49:20,320 --> 00:49:23,640
Speaker 3: so I had an original boost, but it's it flew

1031
00:49:23,640 --> 00:49:27,120
Speaker 3: the coup because you know, brains in eighty. So instead

1032
00:49:27,320 --> 00:49:29,280
Speaker 3: I am going to boost one of my favorite Instagram

1033
00:49:29,320 --> 00:49:32,960
Speaker 3: accounts because he does these cartoons. So the guy's name

1034
00:49:33,000 --> 00:49:36,839
Speaker 3: is a vision poet, right vision v I s io

1035
00:49:36,960 --> 00:49:40,120
Speaker 3: n Poet p O e T. So his Instagram account,

1036
00:49:40,600 --> 00:49:43,479
Speaker 3: he is a poet from Philly, and I'm as someone

1037
00:49:43,480 --> 00:49:45,160
Speaker 3: where around the same age. It's because like the stuff

1038
00:49:45,200 --> 00:49:46,560
Speaker 3: that he talks about, I'm like, oh yeah, yeah, I'm

1039
00:49:46,719 --> 00:49:50,319
Speaker 3: those times. So he does poetry, but that's not what

1040
00:49:50,400 --> 00:49:53,600
Speaker 3: makes his Instagram accounts so great. He's got this animated

1041
00:49:53,640 --> 00:49:56,840
Speaker 3: series that he's created that he calls Trash Trashed or

1042
00:49:56,920 --> 00:50:00,520
Speaker 3: Piece instead of masterpiece, but trash trash or Peace Theater

1043
00:50:01,239 --> 00:50:04,840
Speaker 3: where he tells stories about his trash youth, meaning like

1044
00:50:04,840 --> 00:50:08,120
Speaker 3: when he was basically like you know, a terrible boyfriend

1045
00:50:08,360 --> 00:50:11,360
Speaker 3: or like you know or just like him and his friends,

1046
00:50:11,360 --> 00:50:16,040
Speaker 3: but they are hilarious and the fact that they are

1047
00:50:16,280 --> 00:50:20,040
Speaker 3: animated and he's made them, I just to me, it's

1048
00:50:20,080 --> 00:50:22,280
Speaker 3: like much watch must watch EV. I think he posts

1049
00:50:22,280 --> 00:50:25,720
Speaker 3: like a new one every Sunday. When I say hilarious

1050
00:50:26,120 --> 00:50:29,439
Speaker 3: and like the most buttoned up people I will see

1051
00:50:29,480 --> 00:50:31,719
Speaker 3: like in the comments or liking I'm like you watch too.

1052
00:50:32,200 --> 00:50:34,480
Speaker 3: It's not like he's it's not like he's got like

1053
00:50:34,520 --> 00:50:37,080
Speaker 3: a thousands well he does have thousands of them, but

1054
00:50:37,160 --> 00:50:39,439
Speaker 3: not like hundreds of thousands of followers or anything like that.

1055
00:50:39,760 --> 00:50:44,600
Speaker 3: But he is hilarious like these because you're like, oh

1056
00:50:44,600 --> 00:50:47,439
Speaker 3: my god, I remember those times. What it's just really good.

1057
00:50:47,440 --> 00:50:48,920
Speaker 3: And like I said, I think they he drops a

1058
00:50:48,960 --> 00:50:51,000
Speaker 3: new one every Sunday. You're definitely gonna go down a

1059
00:50:51,040 --> 00:50:53,719
Speaker 3: rabbit hole and watch all of them. He's really really,

1060
00:50:53,760 --> 00:50:55,759
Speaker 3: really funny, and it just kind of takes you back

1061
00:50:55,760 --> 00:50:58,600
Speaker 3: for me anyway, since you know, I was I'm forty one.

1062
00:50:58,640 --> 00:51:00,680
Speaker 3: Like like I said, he's the way the things that

1063
00:51:00,719 --> 00:51:03,480
Speaker 3: he talks about like so reminiscent. So if you're in

1064
00:51:03,520 --> 00:51:05,920
Speaker 3: my age range, I think you'll find true delight in

1065
00:51:05,960 --> 00:51:08,800
Speaker 3: them as you shake your head. So that is my boost.

1066
00:51:08,840 --> 00:51:11,360
Speaker 3: You know. Sometimes I like give them shouts to Instagram

1067
00:51:11,360 --> 00:51:14,879
Speaker 3: and accounts that, you know, bring a little joy, you know.

1068
00:51:14,920 --> 00:51:17,320
Speaker 1: To anyone who's followed by the budget needs to request

1069
00:51:17,360 --> 00:51:20,880
Speaker 1: love and Tiffany mais okay.

1070
00:51:20,280 --> 00:51:22,080
Speaker 3: Oh they followed. Yeah, so I didn't know that, but

1071
00:51:22,200 --> 00:51:25,560
Speaker 3: like yeah, and I really yeah, he's just when I

1072
00:51:25,560 --> 00:51:28,840
Speaker 3: say hilarious, you watch and you are just a giggling like,

1073
00:51:28,840 --> 00:51:30,759
Speaker 3: oh my gosh. And usually about like maybe like three

1074
00:51:30,840 --> 00:51:32,440
Speaker 3: or four minutes, maybe five minutes, I don't even know,

1075
00:51:32,440 --> 00:51:37,080
Speaker 3: but they're just really really well done, funny, yeah, just hilarious.

1076
00:51:37,080 --> 00:51:38,880
Speaker 3: So I just encourage you if you're just looking for

1077
00:51:38,920 --> 00:51:41,359
Speaker 3: like a little space away. He has serious stuff on there,

1078
00:51:41,680 --> 00:51:43,520
Speaker 3: you know, which is great, you know, indulge, but you know,

1079
00:51:43,520 --> 00:51:46,960
Speaker 3: if you need a little breakaway, I suggest you do.

1080
00:51:47,120 --> 00:51:50,800
Speaker 3: You go ahead and do all that, and if you

1081
00:51:51,160 --> 00:51:54,919
Speaker 3: have not already, head to your local brown Brownson Noble.

1082
00:51:56,440 --> 00:51:57,719
Speaker 2: Can you imagine, I know.

1083
00:51:59,440 --> 00:52:01,960
Speaker 3: To your local Barns And oh this is what I

1084
00:52:02,000 --> 00:52:04,759
Speaker 3: remember my real boost. I just wanted to give a

1085
00:52:04,760 --> 00:52:07,640
Speaker 3: boost to doctor Green, just like the breakthroughs I've been

1086
00:52:07,680 --> 00:52:10,080
Speaker 3: having and I'll share them. Like like, it was a

1087
00:52:10,120 --> 00:52:11,920
Speaker 3: really good lesson that I learned in our last session,

1088
00:52:11,920 --> 00:52:12,960
Speaker 3: and I want to share it with you guys. You know

1089
00:52:12,960 --> 00:52:14,640
Speaker 3: how I like to share because I think it's gonna

1090
00:52:14,640 --> 00:52:17,759
Speaker 3: be so helpful for someone. That's what my boost was.

1091
00:52:17,800 --> 00:52:20,480
Speaker 3: But so i'll share it, you know, you know, next week.

1092
00:52:20,560 --> 00:52:24,720
Speaker 3: But just like I just see and feel the growth

1093
00:52:24,880 --> 00:52:26,680
Speaker 3: she gave me, like a standing ovation, I mean via

1094
00:52:26,719 --> 00:52:29,120
Speaker 3: zoom because I shared with her something that I did

1095
00:52:29,160 --> 00:52:31,279
Speaker 3: and she was like, just a minute ago, you was

1096
00:52:31,320 --> 00:52:32,960
Speaker 3: afraid to do this small thing. Now look at you

1097
00:52:33,000 --> 00:52:36,239
Speaker 3: over here doing big things, Tiffany. And so I've just

1098
00:52:36,280 --> 00:52:38,600
Speaker 3: been growing so much and just like just the power

1099
00:52:38,640 --> 00:52:40,840
Speaker 3: of asking for help, whether it's therapy or coaching or

1100
00:52:40,880 --> 00:52:43,800
Speaker 3: in between. And like I said, I can't wait to

1101
00:52:43,840 --> 00:52:45,680
Speaker 3: share the lesson because it was so profound for me

1102
00:52:45,719 --> 00:52:47,759
Speaker 3: and I know that someone's gonna get great value from it.

1103
00:52:48,160 --> 00:52:50,040
Speaker 3: So I'm going to make myself a nope so my

1104
00:52:50,080 --> 00:52:52,920
Speaker 3: brain does not forget again. But yeah, that's that's it

1105
00:52:52,960 --> 00:52:53,200
Speaker 3: for me.

1106
00:52:53,840 --> 00:52:54,600
Speaker 2: I loves it.

1107
00:52:54,640 --> 00:52:56,560
Speaker 1: And Mental Health Awareness Month is coming up.

1108
00:52:56,640 --> 00:52:57,120
Speaker 3: I feel it.

1109
00:52:57,320 --> 00:53:02,480
Speaker 2: We need to make that a moment. Okay, Well, congrats tive.

1110
00:53:02,680 --> 00:53:05,319
Speaker 1: This is You're only gonna get your book launch, your

1111
00:53:05,360 --> 00:53:11,319
Speaker 1: first book launch, major published book launch week once, I think, right,

1112
00:53:11,440 --> 00:53:14,040
Speaker 1: So I hope you find some time to enjoy it,

1113
00:53:14,080 --> 00:53:17,160
Speaker 1: even though I know you're working so so hard this week.

1114
00:53:17,520 --> 00:53:19,120
Speaker 1: Just let me know if you need me to hype

1115
00:53:19,200 --> 00:53:20,799
Speaker 1: you know where you want me to show up with

1116
00:53:20,840 --> 00:53:25,160
Speaker 1: the confetti, the champagne that i'll drink myself we need.

1117
00:53:26,600 --> 00:53:29,160
Speaker 1: I'm so so proud of you the same, amazing so much.

1118
00:53:29,280 --> 00:53:31,719
Speaker 3: Go to keigos money dot com money.

1119
00:53:37,680 --> 00:53:40,160
Speaker 1: Okay, what a fun throwback. If y'all haven't gotten your

1120
00:53:40,160 --> 00:53:43,440
Speaker 1: copy of Get It with Money? Like what and how? Okay,

1121
00:53:43,480 --> 00:53:46,520
Speaker 1: no judgment, but police run and go buy it. But

1122
00:53:46,560 --> 00:53:49,520
Speaker 1: I mean it has been sold hundreds of thousands of times.

1123
00:53:49,560 --> 00:53:53,280
Speaker 1: Tiffany's book is such a corner so in a financial goodness.

1124
00:53:53,320 --> 00:53:54,799
Speaker 1: I love that I get to brag on her when

1125
00:53:54,800 --> 00:53:57,880
Speaker 1: she's not here, because y'all know I will always stand

1126
00:53:57,920 --> 00:54:01,279
Speaker 1: for my girl. And don't forget Brian ambition. We are

1127
00:54:01,280 --> 00:54:03,840
Speaker 1: on three times a week now Monday, Wednesday and Friday

1128
00:54:03,880 --> 00:54:06,759
Speaker 1: wherever you get your podcasts. We'll see you next time.

1129
00:54:06,880 --> 00:54:09,919
Speaker 1: Ba fam