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Speaker 1: It's time for the b a q a A, the

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Speaker 1: b a q a with Tiffany, the b a q

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Speaker 1: eight with Mandad, but she ain't here today, the b a.

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Speaker 2: Q a with Victory. A le b a qa a.

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Speaker 2: We have a.

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Speaker 1: Guest in the Steal. Her name is Victory ban Wo

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Speaker 1: and so Victory is I don't even know, I mean,

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Speaker 1: we an't see if she's a DreamCatcher. She had mant

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Speaker 1: what was Victory? But she is going to ask two

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Speaker 1: questions of me today. And if you would like to

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Speaker 1: be in the stew at any moment in time or

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Speaker 1: just have a question answered, you can go to Brindambision

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Speaker 1: podcast dot com click click contact us. You can go

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Speaker 1: and flyden our dms at Brianambisson podcast on IG the

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Speaker 1: BA podcast on Twitter, Brianambisionpodcasts at gmail dot com. Yeah,

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Speaker 1: all those ways you could be like Victory in the Steal.

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Speaker 1: Welcome Victory. How are you hi, Tiffany.

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Speaker 2: I'm good.

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Speaker 3: I'm actually a mentee. So that's that's where I'm from.

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Speaker 3: I'm from the Patroon community. And it's been such an

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Speaker 3: awesome I think it's already almost a year since you know,

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Speaker 3: you started mentoring us.

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Speaker 2: So it's been awesome.

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Speaker 1: Yes, So she's part of my mentor Tiffany dot com.

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Speaker 2: That's awesome.

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Speaker 1: So most of y'all know me as the Budginista obviously

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Speaker 1: personal finance.

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Speaker 2: But I've been in the business for over fifty years.

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Speaker 1: I mean fifty yeah, right, girl, I've been in business

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Speaker 1: for fifteen years, and I've made about fifty million dollars

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Speaker 1: about give or take in business. I mean, I've got

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Speaker 1: a New York Time bestseller award winning podcast. Just like

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Speaker 1: there's so many things in business that I've done online, school,

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Speaker 1: I've had a marketing company. Just so many things that

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Speaker 1: I've done in business. And I get the request of

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Speaker 1: mentorship all the time. And I already have like ten

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Speaker 1: to fifteen, like in person mentees that I talked to

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Speaker 1: on the phone or see in person.

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Speaker 2: But the request just can't pouring in.

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Speaker 1: So I said, well, let me see what it would

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Speaker 1: look like to maybe mentor people digitally. And so I

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Speaker 1: started my mentor Tifnany dot com and Victory joined and

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Speaker 1: so now she's here. So Victory, now you get to

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Speaker 1: ask me a question up close and in personal, and

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Speaker 1: so I'm close and personal. If you want to be

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Speaker 1: a mentee, it's just my mentor tifnany dot com and

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Speaker 1: you can join us all over there. It's twenty bucks

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Speaker 1: a month. I mean, at least while I'm recording this.

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Speaker 1: Who knows what to be about the time you listen

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Speaker 1: to it. But all right, Victory, what's your first question?

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Speaker 3: Yes, so my question, really, Tiffany, is how do I

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Speaker 3: structure my budget? You know, you talk about personal finance

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Speaker 3: a lot, and I really a lot of the things

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Speaker 3: that you suggested are very helpful, and even from the book,

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Speaker 3: structured my budget. But my question now is for somebody

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Speaker 3: who's starting a business, how do I make my dollars

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Speaker 3: stretched to where I'm able to cover my bills, meet

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Speaker 3: my personal financial goals, but then also fund a business.

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Speaker 3: I don't necessarily want to get a VC or an investor.

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Speaker 3: I want to fund a business myself. But I'm trying

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Speaker 3: to figure out how to structure my budget in such

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Speaker 3: a way that I make my money stretch.

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Speaker 2: If that even go ahead, I'm sorry, or even one?

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Speaker 2: Or is it I guess?

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Speaker 3: Is it too Is it reaching too for too much

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Speaker 3: to say, Hey, I want to reach my personal financial

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Speaker 3: goals and also invest in the business. Do I have

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Speaker 3: to pick one? Or you know, how what do you suggest.

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Speaker 2: Well, victory, I'll say that one you don't. I want

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Speaker 2: you to be a business.

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Speaker 1: To be a really good business owner founder, you have

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Speaker 1: to learn to be super flexible. So one it might

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Speaker 1: look like in the beginning, you're not one hundred percent entrepreneur,

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Speaker 1: like I wasn't in the beginning. I started the budgetiesta,

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Speaker 1: which was making me zero point zero or zero dollars.

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Speaker 1: But I was babysitting, I was tutoring, I was doing

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Speaker 1: all this other stuff. I had unemployments at the time,

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Speaker 1: I'd lost my job, and that's really how I was

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Speaker 1: paying bills. The business did not pay me anything for

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Speaker 1: the first few years. So don't be afraid to have

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Speaker 1: other things fund like whether you have like a job,

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Speaker 1: like a regular job, and it's funding your business.

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Speaker 2: There's nothing wrong with that.

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Speaker 1: Like very few businesses make money straight out the gate

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Speaker 1: enough to support you, So it's okay not to be

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Speaker 1: one hundred percent entrepreneur. You might even have a business

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Speaker 1: before the business. So I know a woman her name

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Speaker 1: is Arsha. Arsha has this company called Capital DC wait,

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Speaker 1: Capital City Mumbo Sauce. It's like a mixed between like

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Speaker 1: barbecue sauce and like ketchup. I don't know, it's very

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Speaker 1: popular in the DMV, which is DC, Virginia, Maryland area

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Speaker 1: mumbo sauce in general. So Arsha knew she wanted to

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Speaker 1: do this sauce, but a physical product is very expensive

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Speaker 1: to produce, and so what she did was years before

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Speaker 1: she was able to launch that, she started a T

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Speaker 1: shirt business, which is very print on demand because a

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Speaker 1: lot of these companies print full. Someone can order it

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Speaker 1: and they won't print it until it's ordered, so they

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Speaker 1: don't have any waste, you know. And so she started

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Speaker 1: to teach her business called Tea's in the Trap, and

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Speaker 1: so that business required next to no overhead. She just

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Speaker 1: had to figure out whatever her designs were and people

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Speaker 1: would buy the t shirt, the place would printed and

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Speaker 1: mail it for her and she would get money. And

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Speaker 1: so she stacked up on that money and that easier business,

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Speaker 1: so then she was able to fund the business.

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Speaker 2: That really needed money. Does that make sense? So the

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Speaker 2: Budgetista has done that too.

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Speaker 1: So the Budgetista was the business of Tiffany, right, So

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Speaker 1: that's like speaking engagement that doesn't really cost me anything.

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Speaker 1: That's like I've done, like a spokesperson work that doesn't

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Speaker 1: cost me anything. So when I launched a literature academy,

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Speaker 1: it cost me a lot of money because I had

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Speaker 1: to get the platform, I had to pay the instructors.

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Speaker 1: I could not have launched the academy from the gate.

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Speaker 1: I did the Budgetista for the first five or six years,

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Speaker 1: and then the Budgetista had enough money to lend this

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Speaker 1: new company money. It was like maybe thirty thousand dollars

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Speaker 1: of the Budgetista had squirrelled away, gave it to the

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Speaker 1: academy to get started, and then the academy over the

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Speaker 1: year or two paid it back to Budgetista. So you

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Speaker 1: can sell fund through like a business. Before the business,

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Speaker 1: you could sell fund through just working uber, you know,

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Speaker 1: like all these other things. You know, so you want

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Speaker 1: to get really creative and flexible about how you fund

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Speaker 1: the business if you don't want to take because I

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Speaker 1: don't have any outside investments, I don't have any loans,

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Speaker 1: any debt. Now I'm not saying you don't you shouldn't

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Speaker 1: do those things. I'm just saying since what you're saying

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Speaker 1: victory sounds like you don't want to do those things.

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Speaker 1: So that's how it's a flower path to do. You

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Speaker 1: know that way. But it's to me, it allows us

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Speaker 1: to sustain because I don't owe anybody any money and

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Speaker 1: I don't have any debt and I own all of

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Speaker 1: my businesses one hundred percent.

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Speaker 3: Right, And that makes a lot of sense because I've

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Speaker 3: also done different side hustles if you will, just to

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Speaker 3: you know, have some extra income. But it sounds like

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Speaker 3: if I'm more what you're saying is if I'm being

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Speaker 3: more intentional about saying, hey, I'm going to do this

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Speaker 3: side hustle to particularly put gather that capital for the

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Speaker 3: business versus having to maybe go for outside funding or

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Speaker 3: take out a loan or do something like that exactly.

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Speaker 1: And I'm not saying you shouldn't take that a loan.

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Speaker 1: I'm saying that, you know, you want to be mindful that, like,

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Speaker 1: if I take out this loan, there are terms. So

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Speaker 1: the terms are you know, you have to pay it

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Speaker 1: back with it a certain amount of time, where like

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Speaker 1: do I think the business will be up and running?

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Speaker 1: I liked for me, I called the bank of Budgetista.

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Speaker 1: So I'm like, because she's a lot more lenient and

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Speaker 1: because in case I don't have the money to pay

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Speaker 1: back just yet, She's like, all right, girl, you got

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Speaker 1: one more year, you know.

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Speaker 2: And so I.

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Speaker 1: Built a business where the overhead was low, you know,

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Speaker 1: the cost to start it was low, so I can

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Speaker 1: make money so I can do other things. So if

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Speaker 1: I ever wanted to launch another business, I probably would

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Speaker 1: do it again. I would just go to the budginista

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Speaker 1: and say, hey, girl, can you lend me money to

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Speaker 1: start this other thing? And I'll pay you back.

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Speaker 3: That is smart, That is smart. You have me thinking now,

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Speaker 3: I'm thinking what about ideas or what I can do

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Speaker 3: to the business before the business, just you know, brainstorming.

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Speaker 1: We're actually going to take a quick break and then

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Speaker 1: we're going to take your second question.

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Speaker 2: Because you got me.

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Speaker 1: Girl over, we're here, so take a quick break. When

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Speaker 1: to pay some bills and we be back with Victory.

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Speaker 1: She's in the stew Victory is one of my mentees

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Speaker 1: from my mentor Tiffany dot Com. She's in the studio

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Speaker 1: and we back in one quick second and we're back

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Speaker 1: in black and brown ambition with Victory in the still.

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Speaker 2: She is here to ask us a I don't know

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Speaker 2: whatever question. I have not preheard these questions.

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Speaker 1: I like to I like to have my questions on

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Speaker 1: the fly, so I'm curious as to Victory's question.

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Speaker 2: Go ahead, Victory, the floor is yours. What's your second question?

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Speaker 3: So my second question is about traveling. Really, I know

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Speaker 3: you've you've talked to some about, you know, some of

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Speaker 3: the travels that you've done. And because my business involves

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Speaker 3: going to Nigeria and I have to do a lot

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Speaker 3: of traveling, So what are some I guess advice or

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Speaker 3: tips that you have about how to make the best

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Speaker 3: of traveling since I do have to travel internationally a lot,

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Speaker 3: and you know those aren't like cheap flights or you know,

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Speaker 3: take kids on hotels and things.

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Speaker 1: No, this is great, So this is more like a

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Speaker 1: budget us to question. So, yes, I do travel a lot.

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Speaker 1: So one of the things Victory like for travel, there's

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Speaker 1: a new tip I just learned, So I'm gonna put

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Speaker 1: a pin in that one. But one is I try

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Speaker 1: my best, you know, when it makes sense to be

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Speaker 1: loyal to a specific airline because I can't earn points

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Speaker 1: in order to then to earn points for free travel,

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Speaker 1: you know. And then I also try my best if

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Speaker 1: I was gonna buy when I buy my tickets, to

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Speaker 1: specifically get a credit card specifically geared toward earning points

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Speaker 1: for travel. So Chase makes a good Chase. Venture card

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Speaker 1: Capital one has a good one. AMX is pretty good

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Speaker 1: for travel, you know, so to earn points. So like

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Speaker 1: right now, like for example, I've earned enough point. I

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Speaker 1: have an MX Platinum card and I had that for

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Speaker 1: my business, you know, and so we put all of

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Speaker 1: our business expenses on it. And as a result, I

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Speaker 1: have enough points for like a ton of travel, and

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Speaker 1: so you want to maximize that, you know, Like if

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Speaker 1: you're going to use a credit card, use it for

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Speaker 1: it to earn you travel points also too, Like I mean,

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Speaker 1: I know you're traveling internationally, but in general, Like right now,

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Speaker 1: I'm in a hotel and I try to stay within

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Speaker 1: the Bonvoy family that's like Marriotts and things, because you

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Speaker 1: earn points there too, so I can earn free nights,

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Speaker 1: I can earn free upgrades. So one of the best

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Speaker 1: ways to navigate with travel is to to try your

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Speaker 1: best to stick to loyalty when it makes sense. If

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Speaker 1: the difference is like hundreds and hundreds of dollars in

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Speaker 1: tickets or whatever, it might not, but I try to

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Speaker 1: be loyal so that way I can get additional points

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Speaker 1: toward additional free travel. Something else that I've heard is,

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Speaker 1: I don't know if you've ever heard of a have

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Speaker 1: you heard of a VPN? So VPNs are these ways

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Speaker 1: to log in. So I use it for the first

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Speaker 1: time when I went to Bali a year or so back.

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Speaker 1: It allows me to look like I'm not in Bali online.

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Speaker 1: There's a whole bunch of VPNs, are not too terribly expensive.

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Speaker 1: It allows you to log in from whatever country you

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Speaker 1: want when you're on your computer. And so I was

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Speaker 1: having a hard time logging into my social media in

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Speaker 1: Bali because Facebook, Instagram, they all thought that I was

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Speaker 1: trying to hack into my own account. So I had

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Speaker 1: to get a VPN, which basically is I can't remember

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Speaker 1: what it stands for, but it allows me to say,

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Speaker 1: even though I'm in Bali, my computer looks like it's

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Speaker 1: still in DNA States. And with VPNs, where people used

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Speaker 1: oftentimes to like like, for example, the Netflix that you

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Speaker 1: see in Nigeria is not the Netflix that you'll see

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Speaker 1: in the US. So with them, if you're logged in

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Speaker 1: under your VPN, you can watch whatever people in Nigeria

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Speaker 1: are watching via Netflix. But what's really great about it

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Speaker 1: is that there are certain times when you can buy flights.

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Speaker 1: You can say if I bought my flight looking like

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Speaker 1: I was in Nigeria on the United website, you actually

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Speaker 1: might save money. So you can get this VPN and

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Speaker 1: say if I bought my flight as if I was

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Speaker 1: in France buying my flight from the US to Nigeria.

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Speaker 1: So I just saw that hack the other day. I

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Speaker 1: was like, Wow, my sister who is actually in Nigeria

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Speaker 1: right now. My sister Lisa and my sister Tracy, they're

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Speaker 1: in Nigeria right now. That Lisa said she used that

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Speaker 1: to save three hundred dollars on her flight. She used

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Speaker 1: it to look like I'm going to buy my flight.

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Speaker 1: But I'm not going to look like I'm buying my

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Speaker 1: flight in America. I'm even though I'm sitting in Jersey City,

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Speaker 1: in New Jersey. I'm going to have my VPN and

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Speaker 1: say I'm in Nigeria because for whatever reason, the algorithm

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Speaker 1: is making the flight less money, you know, by buying

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Speaker 1: it like from like as if I'm located in a

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Speaker 1: different country. So that's another way to save as well.

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Speaker 2: Yes, and then.

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Speaker 1: Also too truthfully, there are some really great travel especially

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Speaker 1: if you're traveling a lot. Like I like to follow

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Speaker 1: travel hackers on social media because sometimes they'll come up

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Speaker 1: with it thinking like well, I didn't know that something

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Speaker 1: new will have come out, you know, Like whenever I'm

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Speaker 1: looking for flights, I always put on my incognito window

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Speaker 1: like in Google, because I don't want them.

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Speaker 2: To track me. Because every time I go to look

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Speaker 2: for a flight, all of a sudden, the price.

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Speaker 1: Goes up because they know I'm looking and I'm interested

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Speaker 1: and so but these I mean all of these like

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Speaker 1: kind of like travel hackers. You know, they'll let you

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Speaker 1: know like probably what's the best credit card to use that?

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Speaker 1: Like I said that VPN hack was one that was

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Speaker 1: really good. You know, there's all of these like travel hacks.

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Speaker 1: So if you're traveling a lot, you know, I would

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Speaker 1: I would be following some of these people on like

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Speaker 1: I know, like the points guy Onika the Traveler, she's

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Speaker 1: a black woman who does it. I love to follow

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Speaker 1: them because it really helps me figure out like, oh okay,

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Speaker 1: I didn't even know that. Heck, I'm gonna try that,

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Speaker 1: you know. So that's those are some hacks for you.

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Speaker 3: Yeah, those are definitely very helpful. I'm going to try

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Speaker 3: the VPN one and see if it makes a difference.

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Speaker 2: Yeah, let me know.

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Speaker 1: Like I said, my sister Lisa is in n Yer

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Speaker 1: right now. She was like, it work, I say, three

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Speaker 1: hundred dollars. I was like, whoah, that's great. Well, thank

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Speaker 1: you so much for coming on victory. I hope this

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Speaker 1: was helpful. Are you enjoying your mentee experience?

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Speaker 3: Oh my goodness, yes, yes I am. And I was

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Speaker 3: one of the lucky ones. I got in after ten

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Speaker 3: bucks a month, and I'm never leaving your stuff with it.

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Speaker 2: So I told people they thought I was playing.

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Speaker 1: Now it's twenty, which is still a really amazing deal obviously,

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Speaker 1: you know, but one day it might be thirty or

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Speaker 1: forty or fifty. I mean I have friends who have

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Speaker 1: mentorship programs and it's ten thousand dollars for the year,

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Speaker 1: you know, twenty thousand and sixty thousand for the end.

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Speaker 1: People pay, you know, and I'm not looking to do

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Speaker 1: all that, but certainly I'm like, I really enjoy teaching,

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Speaker 1: and I don't just enjoy teaching about money. I really

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Speaker 1: like to teach about business too, So it's like another

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Speaker 1: part of myself that I get to express.

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Speaker 2: You never shared where do you live victory.

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Speaker 3: I used to live in Dallas, Texas, but I recently

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Speaker 3: just moved to Atlanta.

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Speaker 2: For a new job.

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Speaker 1: Okay, so hopefully i'll be in Atlanta this year sometime,

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Speaker 1: you know, and we'll do a mentee meet that will

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Speaker 1: you know, we'll all have dinner because that'll be lots

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Speaker 1: of fun. But yeah, I really love pouring into you guys.

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Speaker 1: I love hearing like all of the you know, the

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Speaker 1: success stories, and like, I just feel like the thing

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Speaker 1: about business is that you start off at like level one,

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Speaker 1: you know, and then over time you That's why I

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Speaker 1: said that flexibility is so important.

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Speaker 2: That your business will tell.

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Speaker 1: You what it needs to grow and to flourish, and

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Speaker 1: it's up to you to be flexible to twist and

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Speaker 1: turn and add and subtract based upon the feedback you're

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Speaker 1: getting from the people you're serving, but also your business too,

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Speaker 1: you know, and over time, you know, if you do

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Speaker 1: that consistently and you stay consistent and flexible, then you know,

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Speaker 1: success is something that is definitely on the horizon. And

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Speaker 1: so I hope and wish and know success for you, victory,

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Speaker 1: because you're already asking these questions, you're taking steps forward.

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Speaker 1: So now I can't wait to hear more about how

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Speaker 1: your business flourishes forward.

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Speaker 3: Thank you so much. I love ving aments and like

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Speaker 3: I said, I'm never leaving. So it is what it is.

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Speaker 1: Well, if you want to be a mentee and you're listening,

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Speaker 1: you're like, oh, this is I'm part of the BA family,

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Speaker 1: but I'm not part of the mente family. Go head

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Speaker 1: on over to my mentortifty dot com. For twenty bucks

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00:15:25,960 --> 00:15:28,080
Speaker 1: a month, you get to jam out with thirty eight

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Speaker 1: hundred other amenities. It's largely women, but we do have

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Speaker 1: a handful of guys. We don't turn anyone away. It's

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Speaker 1: awesome sauce over there. And if you want to be

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Speaker 1: on the podcast, you can go to brandnambishonpodcast dot com

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Speaker 1: and click contact us if you want me to answer

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Speaker 1: a question in the stew or just like read your

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Speaker 1: question out loud. Brandimbison Podcasts at gmail dot com and

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Speaker 1: brandambishon podcast on ig Sliding the DMS or the BA

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Speaker 1: Podcast on Twitter. Okay, until next time, Thank you Victory

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Speaker 1: for coming to the stew with us today and I

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Speaker 1: will see you Broann and Bishon family another day. Another Dalla, Bye, Victory,

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Speaker 1: thank you bye.

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Speaker 2: Thanks for having me hey, ba Fam.

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Speaker 1: We could not do this show without your support or

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Speaker 1: the support of our team behind the scenes.

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Speaker 2: The Brown and Vision podcast is produced by Imani Crosby

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Speaker 2: and Dennis Stanplinsky is our in house tech guru. I

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Speaker 2: am your co host Mandy Woodrif Santos, and we will

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Speaker 2: see y'all next week, ba Fam.