Speaker 1: Hey, ba fan, we got another throwback episode for you.
Speaker 1: In fact, happy throwback Monday. We're going to make that
Speaker 1: a thing, Okay. In this how to episode, we dug
Speaker 1: up from the archives of Brown Ambition. We are talking
Speaker 1: about how to finally Get Good with Money. We talk
Speaker 1: about Tiffany's groundbreaking New York Times best selling book Get
Speaker 1: Good with Money, that continues to fly off the shelves. Y'all.
Speaker 1: She sells probably more books in a single week three
Speaker 1: years after her book launch than most authors will sell
Speaker 1: in their first year. Okay, let that sink in. That
Speaker 1: is the force of nature that Tiffany is. And how
Speaker 1: good this damn book is?
Speaker 2: Okay.
Speaker 1: On this episode, we're going to talk about the core
Speaker 1: principles of financial wholeness that she covers in the book.
Speaker 1: I even take the financial Wholeness quiz to see how
Speaker 1: whole I am. And plus we ask and answer a
Speaker 1: question should you drain your savings to pay off debt?
Speaker 1: All of this and more in this episode of b
Speaker 1: a throwback.
Speaker 3: Hey, Hey, hey, we're back. We're black, We're blue bound,
Speaker 3: am bitch.
Speaker 2: We're having a book, y'all.
Speaker 3: What we are having a book? So I have to
Speaker 3: give you guys the epic. Hey, Hey, hey, oh my gosh, Mandra, yes, this.
Speaker 2: Is your week. My baby's here, my reel's.
Speaker 3: Here, Oh my, go's a book. I know it feels
Speaker 3: surreal because I went into Barnes and Nobles today and
Speaker 3: at first I didn't see it and then I saw
Speaker 3: it and I was like, you know, I do not
Speaker 3: explain it, but I'll just say this that eleven or
Speaker 3: twelve years ago whatever, like my first book, One Week Budget,
Speaker 3: which I self published, came out. I went to Barnes
Speaker 3: and Nobles and because a friend of mine was like,
Speaker 3: I got a new camera. Do you have pictures? And
Speaker 3: I was like no, He's like, you want pictures. I
Speaker 3: was like, I guess. So my roommate at the time,
Speaker 3: because you know sisters broke, I was living in a room,
Speaker 3: so literally roommates at the time. Lauren was a budding
Speaker 3: makeup artist and I was like, Lauren, Ricky bought a
Speaker 3: camera and he said he wants to take pictures, and
Speaker 3: he said, bring my books to Barnes and Nobles. I
Speaker 3: didn't know what he had in mind. And I think
Speaker 3: I'm going to bring my favorite almost church dress but
Speaker 3: looks on professional dress. Can you do my face, and
Speaker 3: she was like, sure, I don't know why we didn't
Speaker 3: do faces at home, but we did it in the
Speaker 3: bathroom at Barnes and Nobles. And I got dressed in
Speaker 3: the bathroom.
Speaker 1: Bar's not even in the car, just in the nasty bathroom. Yes.
Speaker 3: And so I came out and put like eleven books
Speaker 3: on the shelf, and Ricky with his new big camera,
Speaker 3: proceeded to snep and I'm ever thinking. I didn't even think, like,
Speaker 3: is this allowed? It wasn't because the manager comes over
Speaker 3: and says, you can't do that, you cannot do that.
Speaker 3: I was like what. So Ricky and all his brazenness, says,
Speaker 3: keep posting. So he's like, what we'll leave. I'm so like,
Speaker 3: just imagine what we'll leave. I'm sorry, okay. And so
Speaker 3: I have these pictures and I cannot wait because I'll
Speaker 3: be posting on my social the epic how it started.
Speaker 3: And yesterday I went to well, today I went to
Speaker 3: Barnes and Nobles with my book legally on the bookshelves
Speaker 3: and legally taking pictures to how it's going. So I
Speaker 3: can't wait to put up side by side. You can
Speaker 3: see my locks are way longer. I got you know,
Speaker 3: a few extra pounds on my booty. But my book
Speaker 3: is on this shelf for real this time, and it's
Speaker 3: my face on it. It just it still hasn't hit
Speaker 3: because I'm not gonna lie. It still feels like I
Speaker 3: put my book on the shelf, you know.
Speaker 1: But you walked in there and it was just someone
Speaker 1: else put it on their tip.
Speaker 3: And I know, I know, I did know the lady
Speaker 3: I asked her. I was like, am I allowed to
Speaker 3: push these to the front because they had them on
Speaker 3: like the third sholf. I was like, yeah, I'd like
Speaker 3: it right here eye level. She was like, yes, Wait
Speaker 3: are you the author? I said I am, And she
Speaker 3: was like, well you sign them. I'm like, am I allowed?
Speaker 3: She said yeah. She said, as a matter of fact,
Speaker 3: let me go get stickers because we actually have stickers
Speaker 3: that say autographed. That was like, oh, oh my goodness.
Speaker 3: So she was so awesome. Shout out to Laura of
Speaker 3: Barnes and Nobles in Clifton, New Jersey. I signed the
Speaker 3: books there and she took pictures of me signing the books.
Speaker 3: She's like, she asked me if she could post them
Speaker 3: to our so to their social I said absolutely, and
Speaker 3: I brought my friend Rihanna with me. I mean, we
Speaker 3: did a whole photo shoot, we did video, we did boomerangs,
Speaker 3: we did girl I went live, I did all the things. Oh,
Speaker 3: but it just like it's so crazy because it's been
Speaker 3: such hard work. I mean, y'all know I work hard,
Speaker 3: but it's a different level of hard work. Pushing out
Speaker 3: this book. It was a different level. And yet this week,
Speaker 3: because this is launch week, it's a very important week.
Speaker 3: This week determines, you know, you're going to make New
Speaker 3: York Times bestseller. This week determines a lot like do
Speaker 3: people want to work with you again? It's you know,
Speaker 3: like very few books do poorly in the first week
Speaker 3: and then go on to greatness. Like you know, this
Speaker 3: kind of sets the tone. And yet I'm going into
Speaker 3: this week feeling really calm because my team and I
Speaker 3: have already done like the work. We've already sold thousands
Speaker 3: of thousands and thousands of books already, and so I
Speaker 3: just think the audience is ready. Honestly, I encourage you
Speaker 3: to go into Barns and Noble put my book in
Speaker 3: the front, because don't let them play you if my
Speaker 3: book is not on the new Because there's like there's
Speaker 3: a section that says new nonfiction. If it's just in
Speaker 3: the regular finance or business section, be like, cis, this
Speaker 3: is a brand new book. It needs to be here
Speaker 3: because some of the Barnes and Nobles can decide where
Speaker 3: they want to put it. But if you know, if
Speaker 3: you ask, they will put it in the new section
Speaker 3: because it deserves to be in the new section so
Speaker 3: people can see. But yeah, it just feels like surreal
Speaker 3: because you know what, Like what's best of all is
Speaker 3: that it's a good book. And I'm usually hard on myself,
Speaker 3: you know me, Man, I'm like, yeah, I guess, like,
Speaker 3: but it's a good book. I feel really proud that,
Speaker 3: like I wrote something that's actually good and it's going
Speaker 3: to be really helpful and it's really just going to
Speaker 3: transform people's lives. Like it's a good book. And I
Speaker 3: was like, Tiffany, well done. I don't know the last
Speaker 3: time I told myself well done. And I can honestly
Speaker 3: say not the marketing, not that, but like the book itself,
Speaker 3: I can honestly say, Tiffany, job, well done.
Speaker 2: Snap.
Speaker 1: I mean the content matters, right, and I think that
Speaker 1: it's not just selling because I mean, of course, it's
Speaker 1: selling because you're a marketing genius and Dreamcator Nation has
Speaker 1: always had your back and all of that. But it's
Speaker 1: when the product is good. It's good, you know, I.
Speaker 2: Mean, isn't it?
Speaker 1: Like where opportunity and preparation meet, that's when the real
Speaker 1: magic happens. And I'm so excited. I get to watch
Speaker 1: it all from my comfy chair and no pressure from land.
Speaker 3: Well, yo, baby, what will we do if it makes
Speaker 3: any time?
Speaker 2: Best?
Speaker 3: So? Like, what will we do? Imagine?
Speaker 1: I've been waiting for you to tell me where I
Speaker 1: need to show up and how many confetti poppers to bring,
Speaker 1: and like what's kind of champagne.
Speaker 2: You don't like? So I can drink it by myself?
Speaker 3: I haven't. I don't even know what I would. I don't.
Speaker 3: I just it's like my mind can't conceive. Like I'm like, yeah,
Speaker 3: I said the Free School.
Speaker 1: I feel like Oprah is listening in somewhere, or the
Speaker 1: intern who works for the book people at Oprah Inc.
Speaker 1: Or at Harpo and uh and own, Like, come on,
Speaker 1: y'all put a sticker on this book if she hasn't
Speaker 1: had a personal finance book in a long time.
Speaker 2: Yes, and a very long time ever, maybe not since
Speaker 2: David Bach or.
Speaker 1: Susie your Come. This has Oprah Oprah, don't let respeach
Speaker 1: you to this girl, don't let respeech you.
Speaker 2: Oprah is a Oprah's favorite thing.
Speaker 1: We need the Oprah's Book Club to take notice because,
Speaker 1: especially at this moment in our country, people have been drugged,
Speaker 1: especially black and brown people have been.
Speaker 2: Dragged through it this year.
Speaker 1: I mean, this is at a great self to the
Speaker 1: hearts of you know a lot of people who are
Speaker 1: feeling like we have been left behind by this financial
Speaker 1: system and we have been left behind in so many ways.
Speaker 1: And Tiffany, this book is like the great equalizer.
Speaker 3: You know. Somebody that like I was on this podcast
Speaker 3: called it. I think it's the root. It's lit. It's
Speaker 3: a literary podcast. And these just these two sisters who
Speaker 3: love reading and books. And one of them gave me
Speaker 3: like the best compliments. She was like, girl, first are one.
Speaker 3: I cried. I'm like what, She's like, what finance book
Speaker 3: makes you cry? Not like a cry and a hopeless
Speaker 3: but like, oh my god, it's for me. And she
Speaker 3: told me She's like, this is not nobody's finance book, Tiffany.
Speaker 3: She said, it's equal parts memoir because you know, I
Speaker 3: share my story because I want to normalize the financial
Speaker 3: drama and trauma. It's okay, we've all been through it.
Speaker 3: She said, equal parts guide because it's an actual step
Speaker 3: by step this is how you fix, maintain, grow whatever
Speaker 3: wherever you are financially. And she said equal parts self
Speaker 3: help because it really does help you look at where
Speaker 3: you are and learn not to judge yourself and to
Speaker 3: be gentle and to give yourself space and grace to
Speaker 3: grow and learn. And when she said that, when she
Speaker 3: said like memoir guide and self help, I'm like, you
Speaker 3: know what, She's right. She's like, I've never read a
Speaker 3: finance book like this before. Tiffany. She's like, it's like
Speaker 3: sitting with your sister girl, Who's like, all right, girl,
Speaker 3: this is the weekend. We're gonna get our lives together.
Speaker 3: Let's walk through it together. And I just that's what
Speaker 3: I wanted. I wanted a safe space for our women,
Speaker 3: you know, like b a listeners, a safe space for
Speaker 3: you to go to grow when it came to your finances.
Speaker 3: And I just like, yeah, to just hear from women
Speaker 3: that it was intended for, saying like that's exactly how
Speaker 3: I felt, you know, ye like it just just I'm like, honestly,
Speaker 3: it just feels I don't even know, like it just
Speaker 3: feel so so good and right. I mean, and also too,
Speaker 3: I've been working with doctor Green. Doctor Green is a
Speaker 3: miracle worker because I'm just in such a better space
Speaker 3: now because I can actually feel you know, remember I
Speaker 3: remember I was feeling less like a few so I
Speaker 3: can actually think, I know, and that's what it's feeling like.
Speaker 3: I'm like, oh my gosh, like my synapses are waking
Speaker 3: up again. I'm like, I feel things, but it just
Speaker 3: feels it just feels like really good. I'm just like,
Speaker 3: you know, I'm like Tiffany, it's okay to say you're
Speaker 3: proud of yourself, and I am, and just everybody that's
Speaker 3: made it happen, the budgetest, the boosters that I tapped into.
Speaker 3: So you know me, I don't believe in gurus and
Speaker 3: I'm not gonna pretend to be your guru. And if
Speaker 3: I'm getting information from someone who, you know, I think
Speaker 3: is an expert in a space, then I believe that
Speaker 3: they should get their shine. So I made a space,
Speaker 3: like I made it my business to reach out to
Speaker 3: people within the Brown Ambition financial like world to say, hey,
Speaker 3: you know I trust you when it comes to this.
Speaker 3: Tony Moore sister Georgetown graduates. I think she got her
Speaker 3: master's and laws. She's my attorney and she does my
Speaker 3: she's joined my estate plan. Like, girl, you are a
Speaker 3: bad mambajama. And I don't want to pretend like I
Speaker 3: know a state plan other than like the basics. Can
Speaker 3: you help to pour into me so I can pour
Speaker 3: it to the people and then I share this is Tony,
Speaker 3: my budget needs to booster for this chapter. She's going
Speaker 3: to be giving us advice along the way, and so
Speaker 3: certainly you hear my voice, but they're boosting opportunities where
Speaker 3: Tony jumps in with her expertise, and you'll see that
Speaker 3: throughout the book. But that was intentional because I want
Speaker 3: you the reader to know that no one has all
Speaker 3: the answers, including me, especially me, and that and I
Speaker 3: also do really believe like sharing the wealth because like
Speaker 3: Sandy's in the book, Courtney from the Ivy Investor, Kevin
Speaker 3: from Building Bread, Angelie who I love my cfps in
Speaker 3: the book, you know we love Nativa the Frugal Credit
Speaker 3: Nisa Kara the frugal feminista with her mindset stuff, ash
Speaker 3: Cash with his mindset stuff. I really pulled out, like
Speaker 3: I don't know, like just some amazing people and like
Speaker 3: because you don't see their picture. What I love is
Speaker 3: there's gonna be so many women who are not going
Speaker 3: to realize, like I put all these brown people in
Speaker 3: this book. Girl, that's right, you learn it from brown
Speaker 3: folks today. Okay, let's get into.
Speaker 1: Let's get into what people are going to get out
Speaker 1: of this book.
Speaker 3: Yeah.
Speaker 1: So I actually went to ge God with Money dot
Speaker 1: com and I took the financial Wholeness checklist quiz that
Speaker 1: we're going to quiz a quiz.
Speaker 3: And if you want to take the quiz, you can.
Speaker 3: You can go to gg WM. That stands for Get
Speaker 3: Good with Money, so ggwmquiz dot com. So if you
Speaker 3: want to take the quiz that me and Mandy are
Speaker 3: about to talk about, you can go and take the quiz.
Speaker 3: It's like two minutes, you get your results, you get
Speaker 3: your life, and then I send you like a checklist
Speaker 3: like via email to keep with you.
Speaker 2: I love that.
Speaker 1: Okay, So I actually did the checklist to see how
Speaker 1: financially whole am I and I thought for sure like
Speaker 1: I've been talking to you for over five years once
Speaker 1: a week, I should definitely be one hundred percent financially whole,
Speaker 1: but I'm only eighty percent whole. Okay, that's not only
Speaker 1: First of all, that's great, only eighty percent and it
Speaker 1: might be more like seventy five, but I give over four.
Speaker 2: I give myself a full check.
Speaker 1: But let's walk through. We'll walk through each of these
Speaker 1: and then I will reveal where I am falling short.
Speaker 1: But the basics right budget building. So with budget building,
Speaker 1: what are we talking about here? And how in the
Speaker 1: book does the wholeness checklist sort of play into the
Speaker 1: overall message in the book.
Speaker 3: So in the book I really lean into not just
Speaker 3: like you know what you're missing, you know, but like
Speaker 3: how do you fix it? How do you get there?
Speaker 3: And so I want it to be clear like for
Speaker 3: budget building, like it literally says like I have a
Speaker 3: written and at least partially automated like transfer savings bills,
Speaker 3: et cetera personal budget, and you have the necessary checking
Speaker 3: and savings accounts to support my budget. That part is
Speaker 3: really important because you ask people do you have a budget?
Speaker 1: Yes?
Speaker 3: Do you have? Is it written? Is it partially automated
Speaker 3: is it?
Speaker 2: You know?
Speaker 3: Do you have do you have the appropriate appropriate amount
Speaker 3: of bank accounts? Okay? Sis? And you don't really fully
Speaker 3: have a budget that's sustainable. And so the book teaches
Speaker 3: you how to create this sustainable at least partially automated budget,
Speaker 3: you know, because you know, like I said, people don't
Speaker 3: really know what they don't know when it comes to like,
Speaker 3: so what should my budget really look like? So that's
Speaker 3: what you learn in the book. But I'm assuming that's
Speaker 3: what you got to check on.
Speaker 2: That you got that I gotta check.
Speaker 1: And my favorite part of my budget is the fact
Speaker 1: that I only had to do it once and then
Speaker 1: I just automatically, Yes, like when I get my paycheck
Speaker 1: or any income, I have automatic transfers going where they
Speaker 1: need to go, so that when I look at my
Speaker 1: checking account, it's just money that I know I can spend,
Speaker 1: which is my favorite way to budget because I don't
Speaker 1: like spreadsheets.
Speaker 2: All that much.
Speaker 1: Okay, but number two new to budget, so save like
Speaker 1: a squirrel, which I love this. I just picture a
Speaker 1: squirrel eatings and ramen.
Speaker 2: And it's fine.
Speaker 1: But maybe a noodle budget got a beating this year.
Speaker 1: This past year, noodle budgets have been beat. But you're
Speaker 1: very specific about saying not just saving for three months
Speaker 1: of necessary expenses I eat your noodle budget, but doing
Speaker 1: it in an online only savings account.
Speaker 2: Why online only in particular.
Speaker 3: Well, because when your savings is next to your your
Speaker 3: regular checking at your brick and mortar bank, it's so
Speaker 3: easy to make that transfer, and it makes your money
Speaker 3: too convenient that an online only savings account one you
Speaker 3: get higher interests typically, I mean, you know, we know,
Speaker 3: like interest rates are not the greatest right now for
Speaker 3: savings accounts, but most importantly, it makes your money inconvenient.
Speaker 3: If you were at Target, everybody's safe and you're like, oh, Target,
Speaker 3: I want this blender even though I have a blender,
Speaker 3: but this blender is a red blender, and you're like, okay,
Speaker 3: checking accounts assists, you know we're empty. Stop your saving, says,
Speaker 3: we have money, but we're supposed to be saving for
Speaker 3: I don't know, emergencies or save e for our house.
Speaker 3: If your savings account is with your checking at the
Speaker 3: same bank, that transfer is going to take seconds. If
Speaker 3: it's at an online only bank, you're looking at minimum
Speaker 3: twenty four hours the next day, sometimes up to seventy
Speaker 3: two hours, depending if there's a holiday or whatever. So
Speaker 3: online only savings makes your money inconvenient, and inconvenient money.
Speaker 1: Get saved absolutely. I got to check for that hut.
Speaker 1: Digging out of debt number three. So you're either debt
Speaker 1: free or you have a clear picture of what and
Speaker 1: who you owe the money too. And not only that,
Speaker 1: but you've written down the components of each debt, like
Speaker 1: how much you owe interest rates. I love how you
Speaker 1: the first part of this one you think, oh, yeah,
Speaker 1: I'm debt free, but then you're like, that's not all.
Speaker 2: I'm gonna be like, do you have a written down?
Speaker 2: Do you know this?
Speaker 3: Do you know that?
Speaker 2: And you're like, yeah, no, yes, yeah. So I've also ooh,
Speaker 2: this is another one.
Speaker 1: So not just that you you know you're digging out
Speaker 1: of debt, but also you've identified and use a debt
Speaker 1: paydown plan or online bill tool through your bank to
Speaker 1: automate your payments. I did get a check for this
Speaker 1: because all I have is my mortgage.
Speaker 3: Good. And so here's the thing, Like, so first time
Speaker 3: people debt free, that's great, but if you're not debt free,
Speaker 3: you still can check this off. If you have you
Speaker 3: are on you have a plan, and I show you
Speaker 3: multiple types of plans, like you can use the snowball
Speaker 3: method the avalanche method. I like the mix of the two.
Speaker 3: But I even have this debt sheet in the book
Speaker 3: that I give you in the back of the book.
Speaker 3: But also the book comes with this toolkit that's available
Speaker 3: at gig gods money dot com alongside the book, and
Speaker 3: so I you know, I give you the template and
Speaker 3: the resources to lay out your debt so you can
Speaker 3: see them. And as long as you have a plan
Speaker 3: to pay them off, and that plan is semi automated,
Speaker 3: then you can check this off. I don't like when
Speaker 3: it's like you can't check it off because I'm not
Speaker 3: debt free. Well, sis, I have a mortgage. IM I'm
Speaker 3: not not gonna check off this part because you know
Speaker 3: thirty years from now, you know that's when of my
Speaker 3: mortgage will be paid off. I'm like, no, as long
Speaker 3: as you have a plan in place and a clear
Speaker 3: picture of your debt, you can check this off as yep.
Speaker 3: So now, Mandy, I see, okay, you're at thirty percent,
Speaker 3: You've got your budget savings and your your you at
Speaker 3: least have a debt.
Speaker 1: Plan, yes, and next one score high credit. So making
Speaker 1: sure you have you know where to get So you've
Speaker 1: requested and received a copy of your free Fyco credit
Speaker 1: report and your score, which you can get a free
Speaker 1: credit score from just about anywhere these days, right, and
Speaker 1: that you have at least a seven forty. Why seven
Speaker 1: forty FIGHTO credit score?
Speaker 2: Why is that so important?
Speaker 3: Well, seven forty is the beginning of what's called typically
Speaker 3: perfect credit, right, So it's not I mean eight. Well,
Speaker 3: when it comes to FICO, we know the lowest is
Speaker 3: three hundred, highs is a fifty, But seven forty is
Speaker 3: the beginning of when you can get the best interest rate.
Speaker 3: Like when you go for a mortgage, the literally the
Speaker 3: banker will ask you do you have a seven forty
Speaker 3: or better, because that's the number that you start to
Speaker 3: get like, oh okay, well then you qualify for the
Speaker 3: best interest rate. Anything below then, you know, doesn't mean
Speaker 3: you won't get a good interest rate. You won't get
Speaker 3: the best that's out there. So I tell people instead
Speaker 3: of trying to stretch and reach for an eight to fifty,
Speaker 3: which is great, but guess what, typically my seven forty
Speaker 3: and you're a fifty will get me the same interest rates.
Speaker 3: So seven forty is is just it's more than good enough.
Speaker 2: I love it.
Speaker 1: I typically use Discover Scorecard to get your fighto, but
Speaker 1: like every banks all offer them now, so it's really hard.
Speaker 1: And of course you can use you know, tools like
Speaker 1: to get a credit score estimate through credit Carma or
Speaker 1: things like that, but credit score card is my jam
Speaker 1: and I am over seven forty.
Speaker 2: Okay, though, yeah, I don't think about it as much.
Speaker 1: It was very stressful with the credit, you know, before
Speaker 1: I got the mortgage. But these days I'm like, okay,
Speaker 1: I guess you know, just good to have it if
Speaker 1: you ever need an emergency loan or something like that.
Speaker 1: I mean, your credit score is really it's just something
Speaker 1: to be maintained because you're gonna when you finally get
Speaker 1: around to needing it, or needing to apply for credit
Speaker 1: or something where they check your credit. It's it's like currency,
Speaker 1: you know, like the tipt the best.
Speaker 3: So she said in the book that which I love.
Speaker 3: She said, credit is like girl, I'm gonna need you
Speaker 3: to know me before you need me.
Speaker 1: Yeah, that's the way credit works. Absolutely. Okay, So I'm
Speaker 1: not forty percent. Okay, fine, Fie, learn to earn or
Speaker 1: increase income.
Speaker 2: What's this one all about?
Speaker 3: So if twenty twenty taught us nothing else, is that
Speaker 3: we have to not that you have to be making
Speaker 3: money from multiple sources, but you should know how to
Speaker 3: that way. If you have to pivot to a different
Speaker 3: source of income you can, or increase a secondary or
Speaker 3: a third source of income, you can. So I want
Speaker 3: you to identify ways you can contribute value to your job.
Speaker 3: If you have a job and feel confident you can
Speaker 3: leverage them to ask for a promotion or raise, I
Speaker 3: teach you how to do that in the book. This
Speaker 3: is a chapter I pull in Sandy because Sandy is
Speaker 3: like the queen of side hustles, but not just that.
Speaker 3: You know, Sandy's been in HR for years, so she
Speaker 3: really helped me to lean into this chapter to teach
Speaker 3: you how best to ask for a raise and promotion
Speaker 3: and how to prepare ahead of time. Right or also too,
Speaker 3: if you already have multiple streams of income, you know
Speaker 3: how to maximize them, or you know how to maximize
Speaker 3: a skill set, so you can have multiple streams of
Speaker 3: income and you have a plan of action. If you
Speaker 3: desire to make more money, it's really important that you
Speaker 3: know how to earn more. It's not all about budgeting
Speaker 3: and saving. Learning to earn is critical.
Speaker 1: This one's my favorite, and I give myself a big check.
Speaker 1: I mean, I did go into the pandemic with a newborn,
Speaker 1: and like I think I was one month back on
Speaker 1: the job before I asked for promotion in a race.
Speaker 2: It just felt right. I don't know why.
Speaker 1: Something about the something about that they wouldn't have seen
Speaker 1: it coming, just kind of made me want to do it, Like,
Speaker 1: what are they gonna do? I just came back from
Speaker 1: Matt leave, but let me let me see what they
Speaker 1: have going on. No, I think this is great and
Speaker 1: building the confidence to ask, So I will definitely be
Speaker 1: checking out that chapter because it's so so important.
Speaker 2: I love it.
Speaker 3: And also just so you know, the first five are
Speaker 3: like the super foundational foundation of personal finance, so like,
Speaker 3: you know, like the the basics budgeting, savings, debt, credit,
Speaker 3: learn to earn. Now we're going to go into the
Speaker 3: next tier, which is the next five.
Speaker 1: Wouldn't it be scary if I like didn't have any
Speaker 1: of the top five.
Speaker 3: That's not necessarily true, you know how we are. We're like,
Speaker 3: I gotta do it.
Speaker 2: But I love the checklist. I know, no, but you're right.
Speaker 2: A lot of people.
Speaker 1: That's why I like that you call it the financial
Speaker 1: wholeness checklist, because yeah, I mean you and a lot
Speaker 1: of people don't think about all this stuff at the
Speaker 1: same time. You know, they may have one aspect of
Speaker 1: their their finances, you know, checked off, and think that
Speaker 1: they're good. But but really, when you get down and
Speaker 1: ask these questions, kind of like when you go to
Speaker 1: the doctor and they start asking you very specific questions
Speaker 1: and you're like, oh, well, there's more than just did
Speaker 1: I wake up? Today's a lot there's a lot of
Speaker 1: other things that could be going wrong. Okay, but now
Speaker 1: we're into the intermediate level. Number six, Invest like an insider.
Speaker 1: What's this one all about? How do you invest like
Speaker 1: an insider?
Speaker 3: So insiders know that you investment fall and falls into
Speaker 3: two major tiers, retirement and wealth. You're really not saving
Speaker 3: for retirement. Women always say this. It's really you're investing
Speaker 3: for retirement and investing for wealth. So the difference is this,
Speaker 3: when you invest for retirement, you are saying, I'm setting
Speaker 3: aside money and investing it so I can maintain my
Speaker 3: current lifestyle when I'm no longer working when you and
Speaker 3: so it's literally about you and only you later on
Speaker 3: in life. Investing for wealth is different. It's about improving
Speaker 3: your lifestyle now currently and leaving money for airs, you know.
Speaker 3: So that's what now. Investing for retirement should happen no
Speaker 3: matter what. Investing for wealth happens after you have the
Speaker 3: foundational things like budgets, say that all that stuff. But
Speaker 3: investing for retirement happens no matter what, because no matter what,
Speaker 3: your eighty year old self is going to need to eat,
Speaker 3: it's going to need a safe place to live, it's
Speaker 3: going to need medicine, it's going to need transportation. You
Speaker 3: see what I'm so like, retirement is really not optional,
Speaker 3: but investing for wealth kind of is.
Speaker 1: Absolutely. I give myself a check. I love my I
Speaker 1: love my four one K and but I will say
Speaker 1: the past five year old three years especially, I have
Speaker 1: had a lot of fun taking the next step beyond
Speaker 1: just like the target date fund, you know, index fund
Speaker 1: investing style and actually investing for wealth. And that's been
Speaker 1: it's been new territory.
Speaker 3: Yeah. And just if you guys are listening, you forgot, like,
Speaker 3: don't forget this is that gg w M quiz dot
Speaker 3: com for could Get Good with Money quiz if you
Speaker 3: want to take the quiz, like, hold up, let me see,
Speaker 3: because I would love if you could like tweet us, Instagram, us,
Speaker 3: email us like what your you know what your your
Speaker 3: score is?
Speaker 1: Yeah, use the hashtag gg W M O N E
Speaker 1: y g g W money Yes, loves it all right,
Speaker 1: O my ooh. My second favorite, Get Good with Insurance
Speaker 1: number seven.
Speaker 3: This is where this is where I like, at first
Speaker 3: before when I was writing this book, this is where
Speaker 3: I did it. I was not I was. I was
Speaker 3: eighty percent because my insurance and you'll see like this
Speaker 3: is where I was shaking, but now I'm good Anjelie
Speaker 3: got me all the way together. This is a chapter
Speaker 3: that I had Angelie really weigh in on because it's
Speaker 3: insurance is not just health insurance. You have to think
Speaker 3: about life insurance, potentially disability and property and casualty insurance.
Speaker 3: That's what you think of like home and artum So
Speaker 3: are you adequately covered? Do you know the need? So
Speaker 3: the reason why I was eighty percent when I first
Speaker 3: started the book is because I thought I was well insured.
Speaker 3: Angelie was like, yeah, girl, you're insurance like a twenty
Speaker 3: seven year old. I'm like, that's when I got my
Speaker 3: life insurance. You's like, exactly, this life insurance is enough
Speaker 3: to protect your twenty seven year old self, but not
Speaker 3: your forty forty one year old self. And so this
Speaker 3: chapter I think is really great for people who are
Speaker 3: like I did it. I'm good. I'm good. It's like,
Speaker 3: are you sis, how's your insurance looking? Insurance is as
Speaker 3: a risk management tool, you know, are you managing risks
Speaker 3: in your life? Like are you managing risks against your assets,
Speaker 3: against your life, against your earning potential, against your property.
Speaker 3: So I think this is gonna be a really great
Speaker 3: chapter for.
Speaker 2: Folks love it.
Speaker 1: This was the one I finally got together when I
Speaker 1: had the baby. It was like I left the hospital,
Speaker 1: I was like, I have to get some life insurance.
Speaker 1: Now I have a reason. And I will say the
Speaker 1: pandemic kind of threw me off because it was like
Speaker 1: the people literally they come to your house and they
Speaker 1: do like a or you go there sometimes, but they
Speaker 1: do like a physical you know your example, well, I
Speaker 1: think he took blood. It was like four in the morning.
Speaker 1: I don't know, I got to really early appointment. It's
Speaker 1: solid blur. But finally got it done back in August,
Speaker 1: And I think that's the most common question I see
Speaker 1: is how much is enough for life insurance?
Speaker 2: For me, it was ten x.
Speaker 1: I just used that rule of thumb ten x my
Speaker 1: household income, and you know, luckily got approved. In all
Speaker 1: of that, where's the best because people may not know
Speaker 1: where to start shopping for an insurance policy. And by
Speaker 1: the way, we're talking about life insurance, but also just
Speaker 1: do you have enough home insurance? Do you have enough
Speaker 1: property insurance?
Speaker 3: You know?
Speaker 1: So making sure that you're covered for those types of
Speaker 1: things is important too.
Speaker 3: So one of the one of my favorite sites that
Speaker 3: that I mentioned in the book is a policy Genius,
Speaker 3: because policy genius is not just going to help you
Speaker 3: look for health insurance. You can just you can literally
Speaker 3: take a quiz and it'll let you know, like, ooh girl,
Speaker 3: you gotta pat what about kik Kiki the King in
Speaker 3: do you have put insurance? You know? Some policy genius
Speaker 3: is actually going to show you where you have like
Speaker 3: plugs or holes in your insurance and make suggestions for you.
Speaker 3: So that's when there's also select quote. That's another one.
Speaker 3: I think it's selective. Yes, that's another one that I
Speaker 3: like and so like just getting with it. When it
Speaker 3: comes to insurance. You know, if you're not working with
Speaker 3: a financial planner like I was, you know, taking one
Speaker 3: of those quizzes to see, like, you know, do I
Speaker 3: have enough insurance is a great place to start. So
Speaker 3: you could slowly but surely start plugging those wholes because
Speaker 3: the older you get, the more critical insurance become, especially
Speaker 3: if you have dependence, especially children.
Speaker 1: Yep, love it. Okay, three more, I'm not seventy percent
Speaker 1: so far. Okay, grown rich, grow richish, increase your networth.
Speaker 1: So this is when you know how to calculate your network,
Speaker 1: which is what tiffany.
Speaker 3: So your net worth is what you own all your assets.
Speaker 3: Mine is what you owe all your liability. So the
Speaker 3: owning things put money into your pocket, the owing things
Speaker 3: take money out. So assets versus liabilities. That is what
Speaker 3: net worth is. And so you have to know how
Speaker 3: to calculate it, which I show you how to identify
Speaker 3: your assets, to identify your liabilities. Actually have a net
Speaker 3: worth worksheet in the book. It's also in your Get
Speaker 3: Given Money like toolkit like I told you, that's available
Speaker 3: where the book is available on get goodwith Money dot com.
Speaker 3: There's a toolkit there, I mean a worksheet there, and
Speaker 3: you'll want you to like, if you don't have positive
Speaker 3: net worth, you should be learning how to increase it,
Speaker 3: and even if you do, how to increase it by
Speaker 3: increasing assets and decreasing liability liabilities.
Speaker 2: Loves it this one. I cheat.
Speaker 1: I use one of those money management apps which has
Speaker 1: all the information between my husband and myself and then
Speaker 1: it's a really pretty chart that we watch go up
Speaker 1: and down and it kind of shows your net worth
Speaker 1: net worth, which yeah, I love it. And also thinking
Speaker 1: about if you have a mortgage. I was always thinking
Speaker 1: of a mortgage as oh, this is a huge hit
Speaker 1: to my net worth, but then you forget.
Speaker 2: About the asset side of it.
Speaker 1: Yeah you know, so your praised home value is the asset. Yeah,
Speaker 1: you know, you factor in and then all of a sudden,
Speaker 1: it's like, oh yay.
Speaker 3: People people always get that message. They're like, it is
Speaker 3: a house and acid are liability. I was like, it's
Speaker 3: really both. Like you said, like the value of your
Speaker 3: home is the is the asset, and then the mortgage
Speaker 3: you have out on that home is the liability. It's
Speaker 3: like okay, you know.
Speaker 1: So yeah that's yeah, That's why so many folks got
Speaker 1: burned during the housing crisis because they their home was
Speaker 1: not worth the amount of money they had taken out
Speaker 1: against it, so their debt they just owed more than
Speaker 1: the house was worth. So that's the nightmare situation. Luckily
Speaker 1: not happening here. Okay, networth, Okay, two more, Okay, so
Speaker 1: this is obviously we're down to the last two. We
Speaker 1: can probably figure out where Mandy has some work to do.
Speaker 1: But number nine, pick your money team financial professionals. So
Speaker 1: this is where you have.
Speaker 2: So how do you.
Speaker 1: Define what's your money team, Tiffany, Because we get asked
Speaker 1: about you know, financial planners, but what else? Who else
Speaker 1: is on your ideal money team?
Speaker 3: So it depends on where you are in life. So
Speaker 3: at the very least, I say, every single person needs
Speaker 3: an accountability partner. It could be your work mom. It
Speaker 3: could be your bestie, It could be your spouse, your partner,
Speaker 3: it could be your sister, your brother, your uncle, cousin, whoever.
Speaker 3: I do believe that money is a team sport and
Speaker 3: if you work on it with someone, and when I
Speaker 3: mean work on it, not like they have to be experts,
Speaker 3: but just like, okay, I'm doing my budget this week?
Speaker 3: Are you going to do yours this week? Okay? I'm saving. Yay,
Speaker 3: that's good. Okay. You know, someone to keep you motivated,
Speaker 3: someone to help normalize the process because they're going through
Speaker 3: it as well, someone to encourage you, you know, and
Speaker 3: sometimes someone even to set the example because maybe they're
Speaker 3: better at something else than you when it comes to
Speaker 3: their finances. So accountability partner across the board. And I
Speaker 3: always know y'all know, I have the Dreamcatchers group on
Speaker 3: Facebook Dreamcatchers Live Richer with the Budgetnista, and I tell people,
Speaker 3: if you don't know anybody in real life that you
Speaker 3: can get an account get to be your accountability partner.
Speaker 3: You can always find one in that group. It's like
Speaker 3: half a million of us in there, all working on
Speaker 3: our finances together, so that's for sure. But then there
Speaker 3: are people like a certified financial planner. You know, this
Speaker 3: is someone who typically they say you should have about
Speaker 3: two hundred and fifty thousand dollars of assets to invest
Speaker 3: before it kind of makes financial sense. So you might
Speaker 3: not need one, but that's someone just to keep in mind.
Speaker 3: An insurance broker, Now this you might not need, but
Speaker 3: if you're someone like me who I have several businesses,
Speaker 3: so I have an insurance broker. Shout to you, David,
Speaker 3: because you know, with my businesses and then my personal life,
Speaker 3: like I have to have someone who was looking at
Speaker 3: my insurance collectively to see. Like the other day, David's like, hey,
Speaker 3: if we twitch to travelers, we can save you and
Speaker 3: Superman three thousand dollars a year. I was like, let's
Speaker 3: do it. You know, and estate planning attorney. You may
Speaker 3: or may not need one, but I wanted to put
Speaker 3: it out there. What I love about in the book
Speaker 3: is that I explain who these people are, whether or
Speaker 3: not you may or might not need it, how much
Speaker 3: they typically get paid, if it makes sense, and how
Speaker 3: they're usually paid and less but not least a CPA
Speaker 3: has Certified public accountant. You don't necessarily need one because
Speaker 3: you might do your own taxes if you've got a
Speaker 3: simple ten forty easy you know, turbo tax is fine,
Speaker 3: you know. So I just share in this particular part
Speaker 3: of the book, these are just like, hey, here's who
Speaker 3: you might consider and why, but make the best choice
Speaker 3: for you when it comes to picking your money team.
Speaker 1: Yeah, I think that so for me, the one that
Speaker 1: I don't think I need an insurance broker. I do
Speaker 1: have a CFP that I work with every once in
Speaker 1: a while. Helen's probably like, you haven't called me in
Speaker 1: a minute, what's going on? But for me, this is
Speaker 1: it's sort of a combo between nine and ten, which
Speaker 1: is leave a legacy about estate planning. I don't feel
Speaker 1: like I've gotten my estate planning down the way that
Speaker 1: I or you know what, even just to have a
Speaker 1: professional look at my look at my stuff and say, yeah, okay,
Speaker 1: you've got a plan because I don't have a plan
Speaker 1: like written down. I've got my beneficiaries checked off. I
Speaker 1: got my little life insurance. But I just really want
Speaker 1: to make sure that my family is yeah, is set
Speaker 1: up and my legacy is my financial legacy lives on.
Speaker 1: So let's talk about number ten leading a legacy.
Speaker 3: So about that for you. Here's why I am ninety
Speaker 3: percent as well. Like I think that people don't get,
Speaker 3: you know, I'm all the way transparent, like I am
Speaker 3: working on. I probably was one hundred percent before because
Speaker 3: financial hollness is very fluid, right, So I could have
Speaker 3: been one hundred percent before because I didn't need a
Speaker 3: trust before. But I've grown my assets have grown to
Speaker 3: a space in the place where I need a trust now,
Speaker 3: so I'm no longer one hundred percent. I'm ninety. So
Speaker 3: I'm working on a trust now with Tony Moore, my attorney,
Speaker 3: My husband, and I are so with leaving a legacy
Speaker 3: of state planning. This is when you've identified and completed
Speaker 3: the components of an estate plan, so that is potentially
Speaker 3: a will, trust, beneficiaries on your accounts, you know, and
Speaker 3: you have executed, signed, and funded your state plan. Tony,
Speaker 3: which oddly enough told me that Mandy people will work
Speaker 3: with her for six months to do a trust and
Speaker 3: then not put the stuff into trust and funded. She's like,
Speaker 3: so you paid all this money for me to make
Speaker 3: your trust. But it's almost like they're afraid of they
Speaker 3: create the trust or the will that the next day
Speaker 3: they pass away.
Speaker 2: You know, It's true.
Speaker 1: It's all this is so wrapped up in the emotions
Speaker 1: behind death. That's why it's for me, even just getting
Speaker 1: life insurance, I have to stop myself from thinking about
Speaker 1: the reason I'm getting this so if I die, but
Speaker 1: I'm not gonna.
Speaker 2: Die and mite not for my baby. Like yes, it's
Speaker 2: really it's hard.
Speaker 1: The emotions of it are really hard to unpack. You
Speaker 1: have to kind of like compartmentalize it all exactly.
Speaker 3: And so like I just honestly like, financial wholeness is
Speaker 3: my love language. Like here's what because people ask me,
Speaker 3: like what is because so the book is called Get
Speaker 3: Good with Money, Ten Simple Steps to Becoming Financially Whole,
Speaker 3: and so like folks ask me, like, what is financial holeness?
Speaker 3: That is when these ten components that I just went
Speaker 3: over really like kind of work together as a team
Speaker 3: to create the strongest financial foundation possible. It means that
Speaker 3: when pandemic and quarantine and these things happen, not that
Speaker 3: you won't have any financial trauma or drama, but that
Speaker 3: you won't be shocked like rock to the core like
Speaker 3: maybe you otherwise would have been, because you have these
Speaker 3: things in place, and it's not something that you're gonna
Speaker 3: You're not gonna do this in six months or in
Speaker 3: a year. These are going to be things that you
Speaker 3: slow grow too. And what will happen is as your
Speaker 3: life grows, things will look different. So financial homeness for
Speaker 3: your twenty one year old self is different than financial
Speaker 3: homeness for your forty year old self. Like I said before,
Speaker 3: when I was twenty seven, my estate planning I was
Speaker 3: fine because I had all I didn't really have much
Speaker 3: of in the way of assets, but the assets I
Speaker 3: did have, like I had a life insurance policy and
Speaker 3: my bank accounts, my mom and my sisters and my
Speaker 3: father were the beneficiaries and all of that. That's the
Speaker 3: state planning for a twenty something year old with no children,
Speaker 3: you know, and no major assets. That was fine. So
Speaker 3: what's so great about financial holness is that it grows
Speaker 3: up with you that as you grow up, you start
Speaker 3: to realize that you can look back and say, oh,
Speaker 3: my insurance, like I just got good with insurance, because
Speaker 3: my insurance before was fine, but now I'm married, I've
Speaker 3: got a bonus daughter, I've got nieces and nephews, I've
Speaker 3: got additional businesses. So as a result, my insurance had
Speaker 3: to grow to meebe where I us. And so financial
Speaker 3: homeless just know that you're ever evolving. And why I
Speaker 3: like financial holeness versus financial freedom is that many financial
Speaker 3: freedom to seem so it was not inclusive, right, So
Speaker 3: with financial freedom, typically people say like kind of like
Speaker 3: they have like this money set aside and it allows
Speaker 3: them not to work anymore. And that's great, But are
Speaker 3: you fully insured? I wasn't. Do you have an estate plan?
Speaker 3: It doesn't address that, you know what I mean? Like,
Speaker 3: do you have your like your financial team set up?
Speaker 3: So maybe you have a budget and you're saving, but
Speaker 3: just because you're financially free. Because I was financially free,
Speaker 3: but I was not financially whole. There's more protection and
Speaker 3: your ability to maintain where you are with financial holeness.
Speaker 3: And I would say financial freedom is for a few people,
Speaker 3: but financial hollness is literally for everyone.
Speaker 1: So if this is just a tiny nugget of what
Speaker 1: the book is like, I can't wait to get it
Speaker 1: to my cousin myself. I don't know what the audiobook,
Speaker 1: even though I talk to you every week. I feel
Speaker 1: like the audiobook's probably really good.
Speaker 3: You know. There's a clip that we were posting and
Speaker 3: I was so nervous to listen to it because I
Speaker 3: was like, oh good, because you just don't know how
Speaker 3: you sound. I'm like, was I sounding stupid? You know?
Speaker 3: Was I talking too fast? Da? Da? So they gave
Speaker 3: me this clip of like I'm telling the story like
Speaker 3: of one of my first financial lessons because my sister
Speaker 3: Tracy was like, and if you I mean, if you
Speaker 3: know sisters, they don't care anything about your feelings. Like
Speaker 3: my sisters were literally like that picture of you on
Speaker 3: the cover of your book, it's cute, but you're smiling
Speaker 3: too hard. Girl. I'm in gums. I'm like, tell Jesus
Speaker 3: because he made my smile. You tell Jesus. Like literally,
Speaker 3: That's what was happening in the WhatsApp. In the group chat,
Speaker 3: my sisters were going back and forth about is it
Speaker 3: too gummy? It is? I was like, I'm here, I
Speaker 3: can read, I can see you. But that's sisters, you know,
Speaker 3: so I don't you know your sisters are going to
Speaker 3: tell you like it is, especially Tracy. So when she said,
Speaker 3: did you listen to the audio version like that clip
Speaker 3: they sent you? And I was like, cause she's my papulocist,
Speaker 3: And I was like I was waiting for her to, like,
Speaker 3: you know, crack a joke and be like, Si, you
Speaker 3: sounded terrible, but it is what it is, because she'll
Speaker 3: say something like that and she was like it was good.
Speaker 3: I was like, Okay, She's like no, She's like, you
Speaker 3: know how like I hear you talk all the time,
Speaker 3: and I'm like nobody cares. And I heard that story
Speaker 3: so many times and I'm like, nobody cares. She's like,
Speaker 3: I listened to the whole thing, like I leaned in.
Speaker 3: I was like, what a nice.
Speaker 1: Word on the New York Times Bestseller's list quote sister
Speaker 1: Tracy had nothing mean to say about it.
Speaker 3: I was like, what, She's like, no for else good?
Speaker 3: I was like, you know, just being nice. She looked
Speaker 3: at me like, girl, why would.
Speaker 1: I just be seriously if you got some audible credits
Speaker 1: knocking around like I do?
Speaker 3: But I ordered like I did because I had like
Speaker 3: four credits and it was like one credit. So I
Speaker 3: got it cause I was like I want to hear it.
Speaker 3: So yes, for sure, though, but if y'all want to
Speaker 3: help me, you know, make it to the Mayor Times,
Speaker 3: then they don't count audible. You should certainly use your
Speaker 3: audible credit. They don't count audible. They only count like
Speaker 3: the hardcover books. And like, you're kidding, I don't think
Speaker 3: this that is, but I still say get it for
Speaker 3: you know, like if you got a free credit, I
Speaker 3: still say, you know, get it.
Speaker 2: Then you have both.
Speaker 1: Then you can take it in the car with you
Speaker 1: or on your walks and you come back home with
Speaker 1: your cup of coffee and then you keep reading, you know,
Speaker 1: the real book. It's like get Good, Get Good, a
Speaker 1: symphony us on that.
Speaker 3: But if you guys are wanting to get it should
Speaker 3: be in the show notes. But certainly go ahead to
Speaker 3: get Good with money dot com. One of the things
Speaker 3: that I'm committed to doing is that we try to
Speaker 3: do a rotation of like I showcase a black bookstore
Speaker 3: at the top of the page, so you can, like
Speaker 3: you can order from all those other places, and I
Speaker 3: have all the logos like at Amazon and Bonds and
Speaker 3: Nobles and targeting all those places, but at the very
Speaker 3: very top, I say, want to support a black bookstore.
Speaker 3: So the one that's currently there, depending when you're listening.
Speaker 3: But if you're listening like the week of pub date three,
Speaker 3: three thirty two, two thousand, we'll give me two thousand,
Speaker 3: twenty twenty one. What's currently showcase is bookstore in my
Speaker 3: hometown called Source of Knowledge. It's an amazing black owned
Speaker 3: bookstore Newark and Manny, the story is so amazing, So
Speaker 3: you know, Newark is totally like gentrifying, like trying to
Speaker 3: be Brooklyn and this black owned bookstore. The woman who
Speaker 3: owns it. Nobody wanted to buy anything in Newark, not
Speaker 3: any business owners. She bought the building years ago for
Speaker 3: pennies because no one Newark, we don't want it. Now
Speaker 3: that downtown Newark is like beautifying itself. I mean, big
Speaker 3: hotels and all these things are coming to downtown Newark.
Speaker 3: They tried to buy hers. They bought all the other
Speaker 3: little mama pop stores around her, and she was like, nope,
Speaker 3: I want source of knowledge, black bookstore that carries black
Speaker 3: books to be in the middle of all of that.
Speaker 3: And they're like, what about this, nope, what about that? Nope.
Speaker 3: They even tried to buy the air right so they
Speaker 3: can build on top of her, can you imagine? And
Speaker 3: they weren't able to mm hm. And so it's so
Speaker 3: like she's just it's just like the woman who's there.
Speaker 3: They have African masks in there. I used to go
Speaker 3: in there in college and you could just discover so
Speaker 3: many amazing books. I have never seen more black children
Speaker 3: on books, and in that bookstore, I didn't even know
Speaker 3: all these black children's books existed. She's got children's book,
Speaker 3: adult books, romance novels, everything. Like it's just so I
Speaker 3: say all that to say, it's currently right at the
Speaker 3: top of my page. If you want to support a
Speaker 3: local a black on bookstore, and I do a rotation.
Speaker 3: Before that, I had Mahogamy Books, which is I think,
Speaker 3: get what they're based at it, but they're an amazing
Speaker 3: bookstore as well, And so I'll just be doing a
Speaker 3: rotation probably like every month or maybe every quarter, just
Speaker 3: to show kids a black owned bookstore so they get
Speaker 3: some shine over there. But yeah, this has just been
Speaker 3: like I said, it's been an awesome experience and just
Speaker 3: the way it's been rolling out, you know, like go
Speaker 3: to get Goodwi money dot com to support take the quiz.
Speaker 3: There's a toolkit that's there, high key, low key. You
Speaker 3: don't have to pay to get the tool kit. Every
Speaker 3: it's like you're gonna make people pay. I'm like, girls,
Speaker 3: it's just part of the book, you know. Me. I
Speaker 3: love a free like in the tool I do because
Speaker 3: I'm just like the toolkit has all of the resources
Speaker 3: that I listened in the book by chapter. Like if
Speaker 3: I say I have my favorite banks, I list my
Speaker 3: favorite banks. If I say my favorite ways to get
Speaker 3: your credit report, I list them there. So that's like
Speaker 3: that's what's in the toolkit. So I mean it doesn't
Speaker 3: kind of make sense without the book, but certainly you know,
Speaker 3: you can stick your head and if you want to
Speaker 3: take a look, look see. But yeah, the baby is born.
Speaker 3: Oh and please leave a review five stars. I'm not
Speaker 3: allowed to say that, but it starts. And please, please please,
Speaker 3: when you physically get your book, to post it on
Speaker 3: social and to tag me so I can reshare it. Please,
Speaker 3: like just you know, Tiffany, I got my book and
Speaker 3: tag me. And so my promise is this, once I
Speaker 3: get to five hundred reviews on Amazon and Bars and Nobles,
Speaker 3: I'm going to do a free mini book club. We'll
Speaker 3: pick a chapter collectively together, we'll read it and then
Speaker 3: we'll have like a session like a you know, a
Speaker 3: jam session one night, like a two hour session going
Speaker 3: over that chapter. So that is my gift to you.
Speaker 3: Once I get to five hundred reviews on Amazon and
Speaker 3: on Barns and Nobles, we'll do a book club for free.
Speaker 1: Oh my gosh, I mean, I just know I got
Speaker 1: teary eyed when Molly Moore came in the mail. So
Speaker 1: I can't eaven and I can't wait till Rio is
Speaker 1: big enough to where I trust him to not rip
Speaker 1: the pages and he can actually read it because that's
Speaker 1: on the way.
Speaker 2: Top of the bookshelf. But yes, I am.
Speaker 1: I am going to contact and if you guys too,
Speaker 1: like Tiffany said, contact your local bookstores and ask if
Speaker 1: they have it, and ask your library.
Speaker 2: Yes, ask your library if they have it. I'm I'm calling.
Speaker 1: Yes, I'm gonna call my my local bookstore and see
Speaker 1: if they've got it.
Speaker 2: And then I'm gonna go.
Speaker 1: I'm gonna get in the cart to night try and
Speaker 1: go find this. Damn.
Speaker 3: I'm telling Barns and Nobles has it? Just ask them.
Speaker 2: You got me out here in the streets go.
Speaker 3: To local Barns and Nobles saying, hey, I'd like gack
Speaker 3: it with money. Thanks.
Speaker 2: Yes, I'm gonna say it very loud. Excuse me.
Speaker 1: There's a best selling book that I'm good about by
Speaker 1: Tiffany Alice. Well, seriously, okay, this was so fun. I
Speaker 1: can't believe this is my we finally talking about the book.
Speaker 1: It's launching this week. You guys, go to get Good
Speaker 1: with Money dot com. Buy a book, and don't just
Speaker 1: buy one, buy one for a friend. College is you know,
Speaker 1: college graduations coming up? I can see this being the
Speaker 1: book that you don't just give to a college grad once,
Speaker 1: but they carry it through them, through with them through
Speaker 1: the next couple decades of their life. Even I'm gonna
Speaker 1: put this book in my estate plan.
Speaker 3: You maybe just text me that her purchase of the
Speaker 3: of the of the audio version, m Mandy. I just
Speaker 3: love at the bottom that you are clearly listening to
Speaker 3: Harry Potter, and because it shows you what she's listening to. Curly, Oh,
Speaker 3: I am going to call me out like that, look
Speaker 3: at listen to Harry Potter. Well by get good money.
Speaker 3: She's like, I'm an adult, but a kid, but an adult.
Speaker 1: But I listened to Harry Potter to go to sleep
Speaker 1: at night. It puts me at ease, don't it's my meditation?
Speaker 2: Okay.
Speaker 3: I was like, oh, look, I was like, what's this
Speaker 3: at the bottom Harry Potter?
Speaker 2: Interesting?
Speaker 1: I have all seven don't Okay? All right, Well, I'm
Speaker 1: just I'm I'm just I can't stop gassing you up
Speaker 1: because it's like, how often do you get to gas
Speaker 1: up your friend for their huge book that's coming out.
Speaker 1: So if it's annoying to you listeners who can love it,
Speaker 1: thank you.
Speaker 2: So I mean thank you.
Speaker 1: Thanks Tiffy, Yeah, thank you, thank you, and congrat.
Speaker 3: Now it time to booster break or booster break or
Speaker 3: booster break? Are you going boost? Are you going to break?
Speaker 3: You won't boost, You're gonna break.
Speaker 1: I can hear rer all he's having a ball.
Speaker 3: Oh manager, are you gonna booster or are you going
Speaker 3: to break?
Speaker 1: I have to do a break because George is up
Speaker 1: to no good. Georgia, you saved us and now you're
Speaker 1: trying to undo it. Well, lixten, I will keep this brief,
Speaker 1: but essentially in Georgia, Georgia Republicans passed a sweeping voter
Speaker 1: law that pretty much is a new form of Jim
Speaker 1: Crow in a way. It has restricted voting access in
Speaker 1: the state. It's making it more difficult to bring proper identifications,
Speaker 1: so it's increasing the voter identification requirements for absentee voting.
Speaker 1: It's sorry, absentee balloting. It's limiting drop boxes. Those were
Speaker 1: the really cool, you know drop boxes you could use
Speaker 1: in the pandemic to save your life, to stay in line.
Speaker 1: And they are expanding the state legislator's power over elections.
Speaker 1: So it actually makes Georgia. This is according to the
Speaker 1: new York Times, the first major battleground to overhaul its
Speaker 1: election system since last year's presidential contest. So it's ironic
Speaker 1: that everyone raise Georgia, especially if you were, you know,
Speaker 1: voting Democrat and wanted a certain election outcome. You know,
Speaker 1: Georgia went blue for the first time in decades, and
Speaker 1: it just goes to show you it doesn't matter. It
Speaker 1: does matter who the president is, don't get me wrong,
Speaker 1: but it matters even more to pay attention to what's
Speaker 1: happening on your state Capitol hill and your state legislature.
Speaker 1: So if you're listening and you're from Georgia, make noise.
Speaker 1: You know, even though this law has passed, it's being widely,
Speaker 1: widely disputed, So make some noise. Voting rights groups like
Speaker 1: Stacy Abram's Fair Fight Action that I've been supporting for
Speaker 1: a long time, they are out there making noise, and
Speaker 1: they're asking businesses to withdraw support of certain candidates and
Speaker 1: certain legislators who have voted for this particular piece of legislation.
Speaker 1: But yeah, it's really really terrifying. This is not the
Speaker 1: direction that I think we should be going. Voting should
Speaker 1: be getting easier, it should not be getting harder. It's
Speaker 1: really just a very thinly veiled effort to sup press
Speaker 1: votes that are not convenient to a certain political party.
Speaker 2: So wanh wanh wanah. But that's my break.
Speaker 3: Oh yes, I saw that. I was like, thankfully Stacey Abrams.
Speaker 3: You know, she is very clear and understanding what this is.
Speaker 3: They're calling these like Jim Crow laws basically, and so yeah,
Speaker 3: so I had an original boost, but it's it flew
Speaker 3: the coup because you know, brains in eighty. So instead
Speaker 3: I am going to boost one of my favorite Instagram
Speaker 3: accounts because he does these cartoons. So the guy's name
Speaker 3: is a vision poet, right vision v I s io
Speaker 3: n Poet p O e T. So his Instagram account,
Speaker 3: he is a poet from Philly, and I'm as someone
Speaker 3: where around the same age. It's because like the stuff
Speaker 3: that he talks about, I'm like, oh yeah, yeah, I'm
Speaker 3: those times. So he does poetry, but that's not what
Speaker 3: makes his Instagram accounts so great. He's got this animated
Speaker 3: series that he's created that he calls Trash Trashed or
Speaker 3: Piece instead of masterpiece, but trash trash or Peace Theater
Speaker 3: where he tells stories about his trash youth, meaning like
Speaker 3: when he was basically like you know, a terrible boyfriend
Speaker 3: or like you know or just like him and his friends,
Speaker 3: but they are hilarious and the fact that they are
Speaker 3: animated and he's made them, I just to me, it's
Speaker 3: like much watch must watch EV. I think he posts
Speaker 3: like a new one every Sunday. When I say hilarious
Speaker 3: and like the most buttoned up people I will see
Speaker 3: like in the comments or liking I'm like you watch too.
Speaker 3: It's not like he's it's not like he's got like
Speaker 3: a thousands well he does have thousands of them, but
Speaker 3: not like hundreds of thousands of followers or anything like that.
Speaker 3: But he is hilarious like these because you're like, oh
Speaker 3: my god, I remember those times. What it's just really good.
Speaker 3: And like I said, I think they he drops a
Speaker 3: new one every Sunday. You're definitely gonna go down a
Speaker 3: rabbit hole and watch all of them. He's really really,
Speaker 3: really funny, and it just kind of takes you back
Speaker 3: for me anyway, since you know, I was I'm forty one.
Speaker 3: Like like I said, he's the way the things that
Speaker 3: he talks about like so reminiscent. So if you're in
Speaker 3: my age range, I think you'll find true delight in
Speaker 3: them as you shake your head. So that is my boost.
Speaker 3: You know. Sometimes I like give them shouts to Instagram
Speaker 3: and accounts that, you know, bring a little joy, you know.
Speaker 1: To anyone who's followed by the budget needs to request
Speaker 1: love and Tiffany mais okay.
Speaker 3: Oh they followed. Yeah, so I didn't know that, but
Speaker 3: like yeah, and I really yeah, he's just when I
Speaker 3: say hilarious, you watch and you are just a giggling like,
Speaker 3: oh my gosh. And usually about like maybe like three
Speaker 3: or four minutes, maybe five minutes, I don't even know,
Speaker 3: but they're just really really well done, funny, yeah, just hilarious.
Speaker 3: So I just encourage you if you're just looking for
Speaker 3: like a little space away. He has serious stuff on there,
Speaker 3: you know, which is great, you know, indulge, but you know,
Speaker 3: if you need a little breakaway, I suggest you do.
Speaker 3: You go ahead and do all that, and if you
Speaker 3: have not already, head to your local brown Brownson Noble.
Speaker 2: Can you imagine, I know.
Speaker 3: To your local Barns And oh this is what I
Speaker 3: remember my real boost. I just wanted to give a
Speaker 3: boost to doctor Green, just like the breakthroughs I've been
Speaker 3: having and I'll share them. Like like, it was a
Speaker 3: really good lesson that I learned in our last session,
Speaker 3: and I want to share it with you guys. You know
Speaker 3: how I like to share because I think it's gonna
Speaker 3: be so helpful for someone. That's what my boost was.
Speaker 3: But so i'll share it, you know, you know, next week.
Speaker 3: But just like I just see and feel the growth
Speaker 3: she gave me, like a standing ovation, I mean via
Speaker 3: zoom because I shared with her something that I did
Speaker 3: and she was like, just a minute ago, you was
Speaker 3: afraid to do this small thing. Now look at you
Speaker 3: over here doing big things, Tiffany. And so I've just
Speaker 3: been growing so much and just like just the power
Speaker 3: of asking for help, whether it's therapy or coaching or
Speaker 3: in between. And like I said, I can't wait to
Speaker 3: share the lesson because it was so profound for me
Speaker 3: and I know that someone's gonna get great value from it.
Speaker 3: So I'm going to make myself a nope so my
Speaker 3: brain does not forget again. But yeah, that's that's it
Speaker 3: for me.
Speaker 2: I loves it.
Speaker 1: And Mental Health Awareness Month is coming up.
Speaker 3: I feel it.
Speaker 2: We need to make that a moment. Okay, Well, congrats tive.
Speaker 1: This is You're only gonna get your book launch, your
Speaker 1: first book launch, major published book launch week once, I think, right,
Speaker 1: So I hope you find some time to enjoy it,
Speaker 1: even though I know you're working so so hard this week.
Speaker 1: Just let me know if you need me to hype
Speaker 1: you know where you want me to show up with
Speaker 1: the confetti, the champagne that i'll drink myself we need.
Speaker 1: I'm so so proud of you the same, amazing so much.
Speaker 3: Go to keigos money dot com money.
Speaker 1: Okay, what a fun throwback. If y'all haven't gotten your
Speaker 1: copy of Get It with Money? Like what and how? Okay,
Speaker 1: no judgment, but police run and go buy it. But
Speaker 1: I mean it has been sold hundreds of thousands of times.
Speaker 1: Tiffany's book is such a corner so in a financial goodness.
Speaker 1: I love that I get to brag on her when
Speaker 1: she's not here, because y'all know I will always stand
Speaker 1: for my girl. And don't forget Brian ambition. We are
Speaker 1: on three times a week now Monday, Wednesday and Friday
Speaker 1: wherever you get your podcasts. We'll see you next time.
Speaker 1: Ba fam