Speaker 1: Hey, ba fan, Mandy here or Mandra, you can call
Speaker 1: me Mandra, that's fine. I have a simple request for you, guys.
Speaker 1: We get so many questions on how you can support
Speaker 1: the show, and there's really a very very simple thing
Speaker 1: that we need you guys to do. Open up this app,
Speaker 1: open up wherever you're listening to this podcast right now,
Speaker 1: and subscribe if you have the ability, especially those of
Speaker 1: you who are on iTunes. We're really making a push
Speaker 1: to get the show more visible. You've seen that we've
Speaker 1: partnered with a fabulous new network called Westwood One. But
Speaker 1: we also need the support of our listeners. So if
Speaker 1: you are a listener, a loyal listener, please subscribe, And
Speaker 1: if you haven't yet, take a few seconds and leave
Speaker 1: a five star review, and even a written review would
Speaker 1: be the icing on the cake. But at least subscribe,
Speaker 1: leave us a five star review, and continue to support
Speaker 1: this show. This is so so crucial. It is basically
Speaker 1: how we tell the Internet that our podcast is worth
Speaker 1: promoting and featuring and getting charted, and we deserve to
Speaker 1: be at the top of the charts, just like any
Speaker 1: other show out there. Can't do it without your support,
Speaker 1: So thank you very very much. Subscribe, like and review
Speaker 1: the show, and we thank you so much.
Speaker 2: Hey.
Speaker 3: Hey, hey, we're back.
Speaker 2: We're black, We're bound, am bitch.
Speaker 1: We're having a book, y'all?
Speaker 2: What we are having a book?
Speaker 3: I have to give you, guys the epic Hey hey, hey,
Speaker 3: Oh my gosh, mandra Yes, this is your week.
Speaker 2: My baby's here, my wheel's here. Oh my goodness.
Speaker 4: Book.
Speaker 5: I know.
Speaker 3: It feels surreal because I went into Barnes and Nobles
Speaker 3: today and at first I didn't see it, and then
Speaker 3: I saw it and I was like, you know, I
Speaker 3: don't know how to explain it, but I'll just say
Speaker 3: this that eleven or twelve years ago whatever, Like when
Speaker 3: my first book, One Week Budget, which I self published,
Speaker 3: came out, I went to Barnes and Nobles and because
Speaker 3: a friend of mine was like, I got a new camera?
Speaker 3: Do you have pictures? And I was like, now, he's like,
Speaker 3: you want pictures? I was like, I guess. So my
Speaker 3: roommate at the time, because you know, sisters broke, I
Speaker 3: was living in a room, so literally roommates at the time,
Speaker 3: Lauren was a budding makeup artist and I was like, Lauren,
Speaker 3: Ricky bought a camera and he said he wants to
Speaker 3: take pictures, and he said, bring my books to Barnes
Speaker 3: and Nobles.
Speaker 2: I didn't know what he had in mind.
Speaker 3: And I think, I'm going to bring my favorite almost
Speaker 3: church dress but looks kind of professional dress.
Speaker 2: Can you do my face? And she was like sure.
Speaker 3: I don't know why we didn't do faces at home,
Speaker 3: but we did it in the bathroom at Barnes and Nobles.
Speaker 2: And I got dressed in the bathroom.
Speaker 1: Bark's not even in the car, just in the nasty yes,
Speaker 1: And so I came out and put like eleven books
Speaker 1: on the shelf, and Ricky with his new big camera,
Speaker 1: proceeded to snep.
Speaker 3: To snap and I'm even thinking, I didn't even think,
Speaker 3: like is this allowed? It wasn't because the manager comes
Speaker 3: over and says, you can't do that, You cannot do that.
Speaker 2: I was like what.
Speaker 3: So Ricky and all his brazenness, says, keep posting. So
Speaker 3: he's like, what we'll leave. I'm so like, just imagine
Speaker 3: what we'll leave. I'm sorry, okay, And so I have
Speaker 3: these pictures and I cannot wait because I'll be posting
Speaker 3: on my social the epic how it started. And yesterday
Speaker 3: I went to well, today I went to Barnes and
Speaker 3: Nobles with my book legally on the bookshelves and legally
Speaker 3: taking pictures to how it's going. So I can't wait
Speaker 3: to put up side by side. You can see my
Speaker 3: locks are way longer. I got, you know, a few
Speaker 3: extra pounds on my booty.
Speaker 2: But my book is on this shelf for real this time,
Speaker 2: and it's my face on it. It just it still
Speaker 2: hasn't hit because I'm not gonna lie. It still feels
Speaker 2: like I 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 tiff. I know, I know, secretly, I.
Speaker 2: Didn't know the lady. I asked her.
Speaker 3: I was like, am I allowed to push these to
Speaker 3: the front because they had them on like the third shelf.
Speaker 2: I was like yeah, I'd like, get right here, eye level.
Speaker 2: She was like, yes, Wait, are you the author? I
Speaker 2: said I am, And she was like, well, you signed them.
Speaker 2: I'm like, am I allowed? She said yeah.
Speaker 3: She said, as a matter of fact, let me go
Speaker 3: get stickers because we actually have stickers that say autographed.
Speaker 2: I was like, oh, oh my goodness. So she was
Speaker 2: so awesome.
Speaker 3: Shout out to Laura of Barnes and Nobles in Clifton,
Speaker 3: New Jersey. I signed the books there and she took
Speaker 3: pictures of me signing the books. She's like, she asked
Speaker 3: me if she could post it to our so to
Speaker 3: their social I said absolutely, And I brought my friend
Speaker 3: Rihanna with me. I mean, we did a whole photo shoot,
Speaker 3: we did video, we did boomerangs, we did girl I
Speaker 3: went live, I did.
Speaker 2: All the things. Oh, but it just like.
Speaker 3: It's so crazy because it's been such hard work. I mean,
Speaker 3: y'all know I work hard, but it's a different level
Speaker 3: of hard work pushing out this book. It was a
Speaker 3: different level. And yet this week, because this is launch week,
Speaker 3: it's a very important week. This week determines, you know,
Speaker 3: you got to make New York Times bestseller. This week
Speaker 3: determines a lot, like do people want to work with
Speaker 3: you again? It's you know, like very few books do
Speaker 3: poorly in the first week and then go on to greatness.
Speaker 3: Like you know, this kind of sets the tone. And
Speaker 3: yet I'm going into this week feeling really calm because
Speaker 3: my team and I have already done like the work,
Speaker 3: We've already sold thousands of thousands of thousands of books. Already,
Speaker 3: and so I just think the audience is ready. Honestly,
Speaker 3: I encourage you to go into Bond and Noble put
Speaker 3: my book in the front, because don't let them play
Speaker 3: you if my book is not on the new because
Speaker 3: there's like there's a section that says new nonfiction. If
Speaker 3: it's just in the regular finance or business section, be like, cis,
Speaker 3: this is a brand book and 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, but.
Speaker 2: It's a good book.
Speaker 3: I feel really proud that, like I wrote something that's
Speaker 3: actually good and it's going to be really helpful and
Speaker 3: it's really just going to transform people's lives. Like it's
Speaker 3: a good book. And I was like, Tiffany, well done.
Speaker 3: I don't know the last time I told myself well done.
Speaker 3: And I can honestly say not the marketing, not that.
Speaker 3: But like the book itself, I can honestly say, tiffany job,
Speaker 3: well done, Nap.
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 product is good. It's good, you know, I mean,
Speaker 1: isn't it Like where opportunity and preparation meet. That's when
Speaker 1: the real magic happens. And I'm so excited I get
Speaker 1: to watch it all from my comfy chair and no
Speaker 1: pressure from land.
Speaker 2: Well yo, well baby, what would we do if it
Speaker 2: makes your time? That's so like what will we do?
Speaker 5: Magic?
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 kind of champagne you don't like I
Speaker 1: can drink it by myself.
Speaker 2: I haven't. I don't even know what I would. I don't.
Speaker 2: I just it's like my mind can't conceive. Like I'm
Speaker 2: like ya I said.
Speaker 1: These free school I feel like Oprah is listening in somewhere,
Speaker 1: or the intern who works for the book. People at
Speaker 1: Oprah Inc. Or what at Harpo and uh and own, like,
Speaker 1: come on, y'all put a sticker on this book. If
Speaker 1: she hasn't had a personal finance book in a long time, Yes,
Speaker 1: in a very long time. Ever maybe not since David
Speaker 1: Bach or Susie. Yeah, you're come, this has Oprah Oprah.
Speaker 1: Don't let re speech who this girl. Don't let Reaes
Speaker 1: beat you.
Speaker 2: Oprah is a thing.
Speaker 1: We need the Oprah's Book Club to take notice. Especially
Speaker 1: at this moment in our country. People have been drugged,
Speaker 1: especially black and brown people have been dragged through it
Speaker 1: this year. I mean, this is a great a great
Speaker 1: self to the hearts of you know a lot of
Speaker 1: people who are feeling like we have been left behind
Speaker 1: by this financial system and we have been left behind
Speaker 1: in so many ways. And Tiffany, this book is like
Speaker 1: the great equalizer. You know.
Speaker 3: Somebody that like I was on this podcast called it.
Speaker 3: I think it's the root. It's lit. It's a literary podcast.
Speaker 3: And these just these two sisters who love reading and books.
Speaker 3: And one of them gave me like the best compliments.
Speaker 3: She was like, girl, first are one. I cried, I'm like,
Speaker 3: what she's like, what finance book makes you cry? Not
Speaker 3: like a cry and a hopeless but like, oh my god,
Speaker 3: it's for me. And then she told me, she's like,
Speaker 3: this is not nobody's finance book, Tiffany. She said, it's
Speaker 3: equal parts memoir because you know, I share my story
Speaker 3: because I want to normalize the financial drama and trauma. Okay,
Speaker 3: we've all been through it. She said, equal parts guide
Speaker 3: because it's an actual step by step this is how
Speaker 3: you fix, maintain, grow whatever wherever you are financially. And
Speaker 3: she said equal parts self help because it really does
Speaker 3: help you look at where you are and learn not
Speaker 3: to judge yourself and to be gentle and to give
Speaker 3: yourself space and grace to grow and learn. And when
Speaker 3: she said that, when she said like memoir, guide and
Speaker 3: self help, I'm like, you know what, She's right, She's like,
Speaker 3: I've never read a finance book like this before.
Speaker 2: Tiffany.
Speaker 3: She's like, it's like sitting with your sister girl, who's like,
Speaker 3: all right, girl, this is the weekend. We're gonna get
Speaker 3: our lives together. Let's walk through it together. And I
Speaker 3: just that's what I wanted. I wanted a safe space
Speaker 3: for our women, you know, like b A listeners, a
Speaker 3: safe space for you to go to grow when it
Speaker 3: came to your finances, and I just like, yeah, to
Speaker 3: just hear from women that it was intended for saying
Speaker 3: like that's exactly how I think elt, you know, like
Speaker 3: it just it's just I'm like, honestly, it just feels
Speaker 3: I don't even know, like it just feels so so
Speaker 3: good and right. I mean and also too, I've been
Speaker 3: working with doctor Green. Doctor Green is a miracle worker
Speaker 3: because I'm just in such a better space now because
Speaker 3: I can actually feel you know, remember I remember I
Speaker 3: was feeling less like a few so I can actually think,
Speaker 3: I know, and that's what it's feeling like. I'm like,
Speaker 3: oh my gosh, like my synapses are waking up again.
Speaker 3: I'm like, I feel things, but it just feels. It
Speaker 3: just feels like really good. I'm just like, you know,
Speaker 3: I'm like Tiffany, it's okay to say you're proud of yourself,
Speaker 3: and I am, and just everybody that's made it happen,
Speaker 3: the budgetist, the boosters that I tapped into. So you
Speaker 3: know me, I don't believe in gurus and I'm not
Speaker 3: gonna pretend to be your guru. And if I'm getting
Speaker 3: information from someone who you know, I think is an
Speaker 3: expert in a space, then I believe that they should
Speaker 3: get their shine. So I made a space, like I
Speaker 3: made it my business to reach out to people within
Speaker 3: the Brown Ambition financetial world to say, hey, you know,
Speaker 3: I trust you when it comes to this. Tony Moore, sister,
Speaker 3: Georgetown graduate. I think she's got her master's and laws.
Speaker 3: She's my attorney, and she does my she's doing my
Speaker 3: estate plan, like girl, you are a bad mambajama, And
Speaker 3: I don't want to pretend like I know a state
Speaker 3: plan other than like the basics. Can you help to
Speaker 3: pour into me so I can pour it to the people,
Speaker 3: and then I share this is Tony. My budget needs
Speaker 3: the booster for this chapter. She's going to be giving
Speaker 3: us advice along the way, and so certainly you hear
Speaker 3: my voice, but they are boosting opportunities where Tony jumps
Speaker 3: in with her expertise, and you'll see that throughout the book.
Speaker 3: But that was intentional because I want you the reader
Speaker 3: to know that no one has all the answers, including me,
Speaker 3: especially me, and that and I also do really believe
Speaker 3: like sharing the wealth because like Sandy's in the book,
Speaker 3: Courtney from the Ivy Investor, Kevin from Building Bread, Angelie
Speaker 3: who I love, my cif P's in the book. You
Speaker 3: know we love Nativa the Frugal credit Nisa Kara, the
Speaker 3: frugal feminista with her mindset stuff, Ash Cash with his
Speaker 3: mindset stuff. I really pulled out, like I don't know,
Speaker 3: like just some amazing people and like because you don't
Speaker 3: see their picture. What I love is there's gonna be
Speaker 3: so many women who are not going to realize like
Speaker 3: I put all these brown people in this book. Girl,
Speaker 3: that's right, you learn it from brown folks today.
Speaker 2: Okay, I love that. You didn't even it wasn't I
Speaker 2: didn't even think about it.
Speaker 3: But yes, I was just like because these are just
Speaker 3: like the best and brightest that I know, and just
Speaker 3: thinking about like, you know, let's normalize that they're like, huh,
Speaker 3: the best in the brightest that I know happened to
Speaker 3: be like amazing brown folks. I say brown because Angelie's
Speaker 3: as Indian, although everybody else is black, and so yeah,
Speaker 3: I just yes, let's get into.
Speaker 1: Let's get into what people are going to get out
Speaker 1: of this book. Yeah, so I actually went to Get
Speaker 1: It with Money dot com and I took the financial
Speaker 1: Wholeness checklist quiz that we're going to quiz.
Speaker 3: Your quiz, And if you want to take the quiz,
Speaker 3: you can. You can go to gg WM. That stands
Speaker 3: for Get Good with Money, so ggwmquiz dot com. So
Speaker 3: if you want to take the quiz that me and
Speaker 3: Mandy about to talk about, you can go and take
Speaker 3: the quiz.
Speaker 2: It's like two minutes. You get your results, you get
Speaker 2: your life, and then I send you like a checklist
Speaker 2: like via email to keep with you.
Speaker 1: I love that, Okay, So I actually did the checklist
Speaker 1: to see how financially whole am I and I thought,
Speaker 1: for sure, I've been talking to you for over five
Speaker 1: years once a week, I should definitely be one hundred
Speaker 1: percent financially whole. But I'm only eighty percent whole.
Speaker 2: Ok that's not only. First of all, that's great.
Speaker 1: Only eighty percent and it might be more like seventy five.
Speaker 1: But I give my full 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?
Speaker 2: How do you get there? And so I want it
Speaker 2: to be clear, like for budget building, like it literally
Speaker 2: says like I have a written and at least partially
Speaker 2: automated like transfer, savings bills, et cetera personal budget, and
Speaker 2: you have the necessary checking and savings accounts to.
Speaker 1: Support my budget.
Speaker 2: That part is really important because you ask people do
Speaker 2: you have a budget?
Speaker 5: Yes?
Speaker 2: Do you have? Is it written? Is it partially automated?
Speaker 2: Is it you know?
Speaker 3: Do you have do you have the appropriate appropriate amount
Speaker 3: of bank accounts?
Speaker 2: Okay? Sis?
Speaker 3: And you don't really fully have a budget that's sustainable,
Speaker 3: And so the book teaches you how to create this
Speaker 3: sustainable at least partially automated budget, you know, because you know,
Speaker 3: like I said, people don't really know what they don't
Speaker 3: know when it comes to like, so what should my
Speaker 3: budget really look like? So that's what you learn in
Speaker 3: the book. But I'm assuming that's what you you got
Speaker 3: to check on that you got that.
Speaker 1: I got a check, And my favorite part of my
Speaker 1: budget is see the fact that I only had to
Speaker 1: do it once and then I just automatically, Yes, like
Speaker 1: when I get my paycheck or any income, I have
Speaker 1: automatic transfers going where they need to go, so that
Speaker 1: when I look at my checking account, it's just money
Speaker 1: that I know I can spend, which is my favorite
Speaker 1: way to budget, because I don't like spreadsheets all that much. Okay,
Speaker 1: but number two noodle budget, So save like a squirrel,
Speaker 1: which I love this. I just picture a squirrel eating
Speaker 1: some ramen and it's fine. But maybe a noodle budget
Speaker 1: got a beating this year. So this past year, noodle
Speaker 1: budgets have been beat But you're very specific about saying
Speaker 1: not just saving for three months of necessary expenses I
Speaker 1: eat your noodle budget, but doing it in an online
Speaker 1: only savings account. Why online only in particular.
Speaker 3: Well because when you when your savings is next to
Speaker 3: your your regular checking at your brick and mortar bank,
Speaker 3: it's so easy to make that transfer and it makes
Speaker 3: your money too convenient that an online only savings account
Speaker 3: one you get higher interests typically, I mean, you know,
Speaker 3: we know likes 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 fave, and you're like, ooh, 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,
Speaker 3: says we have money, but we're supposed to be saving
Speaker 3: for I don't know, emergencies or saving 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 3: get saved absolutely.
Speaker 1: I got a check for the hunt digging out of
Speaker 1: debt number three. So you're either debt free or you
Speaker 1: have a clear picture of what and who you owe
Speaker 1: the money too. And not only that, but you've down
Speaker 1: the components of each debt like how much you oh,
Speaker 1: interest rates, I love how you the first part of
Speaker 1: this one you think, oh yeah, I'm debt free. But
Speaker 1: then you're like, that's not all I'm gonna be like,
Speaker 1: do you have a written down? Do you know this?
Speaker 2: Do you know that?
Speaker 1: And you're like, yeah, no, yes, yeah. So I've also oh,
Speaker 1: this is another one. So not just that you you
Speaker 1: know you're digging out of debt, but also you've identified
Speaker 1: and used a debt paydown plan or online bill tool
Speaker 1: through your bank to automate your payments. I did get
Speaker 1: a check for this 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 soft 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 the
Speaker 3: snowball method, the avalanche method.
Speaker 2: 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 geg gos money dot com alongside the book, and
Speaker 3: so you know, I give you the template and the
Speaker 3: resources to lay out your debt so you can see them.
Speaker 3: And as long as you have a plan to pay
Speaker 3: them off, and that plan is semi automated, then you
Speaker 3: can check this off. I don't like when it's like
Speaker 3: you can't check it off because I'm not debt free. Well, sis,
Speaker 3: I have a mortgage. I'm not not gonna check off
Speaker 3: this part because you know thirty years from now, you
Speaker 3: know that's when my mortgage will be paid off. I'm like, no,
Speaker 3: as long as you have a plan in place and
Speaker 3: a clear picture of your debt, you can check this
Speaker 3: off as yep. So now, Mandy, I see, Okay, you're
Speaker 3: at thirty percent, You've got your budget savings and your
Speaker 3: your you at least have a debt plan.
Speaker 1: Yes, and next one score high credit, so making sure
Speaker 1: you have you know where to get So you've requested
Speaker 1: and received a copy of your free FIGHTO credit report
Speaker 1: and your score which you can get a free credit
Speaker 1: score from just about anywhere these days, right, and that
Speaker 1: you have at least a seven forty Why seven forty
Speaker 1: fight Go credit score? 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 FIGHTCO, you 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 2: Best interest rate.
Speaker 3: Anything below then you know, it doesn't mean you won't
Speaker 3: get a good interest rate, you just won't get the
Speaker 3: best that's out there. So I tell people instead of
Speaker 3: 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 rate.
Speaker 2: So seven forty is is. It's just it's more than
Speaker 2: good enough.
Speaker 1: I love it. I typically use Discover Scorecard to get
Speaker 1: your FIGHTO, but like every banks all offer them now,
Speaker 1: so it's really hard. And of course you can use
Speaker 1: you know, tools like to get a credit score estimate
Speaker 1: through credit CARDMA or things like that, but credit score
Speaker 1: card is my jam and I am over seven forty,
Speaker 1: okaven 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, oh, 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 Tiffa said it 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 2: Yeah, that's the way credit works.
Speaker 1: Absolutely. Okay, so I'm not forty percent.
Speaker 2: Okay, fine.
Speaker 1: Five Learn to earn or increase income? What's this one
Speaker 1: 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.
Speaker 2: Know how to that way.
Speaker 3: If you have to pivot to a different source of
Speaker 3: income you can, or increase a secondary or a third
Speaker 3: source of income, you can. So so I want you
Speaker 3: 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 a 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 strains 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 its 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 and a race.
Speaker 1: It just felt right. I don't know why. Something about
Speaker 1: the something about that they wouldn't have seen it coming
Speaker 1: 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. I
Speaker 1: 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.
Speaker 2: Now we're going to go into the next tier, which
Speaker 2: 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.
Speaker 2: We're like gotta do it.
Speaker 1: But I like a checklist.
Speaker 2: I know.
Speaker 1: No, but you're right a lot of people. That's why
Speaker 1: I like that you call it the financial wholeness checklist,
Speaker 1: because yeah, I mean you and a lot of people
Speaker 1: don't think about all this stuff at the same time.
Speaker 1: You know, they may have one aspect of their their
Speaker 1: finance is you know, checked off, and think that they're good,
Speaker 1: but really, when you get down and ask these questions,
Speaker 1: kind of like when you go the doctor and they
Speaker 1: start asking you very specific questions, You're like oh oh,
Speaker 1: there's more than just did I wake up today. There's
Speaker 1: a lot there's a lot of other things that could
Speaker 1: be going wrong. Okay, but now we're into the intermediate level.
Speaker 1: Number six, invest like an insider. What's this one all about?
Speaker 1: How do you invest like an insider?
Speaker 3: So one, insiders know that you investment fall and falls
Speaker 3: into two major tiers, retirement and wealth. You're really not
Speaker 3: saving for retirement. Women always say this, it's really you
Speaker 3: investing for retirement and investing for wealth. So the difference
Speaker 3: is this, When you invest for retirement, you are saying,
Speaker 3: I'm setting aside money and investing it so I can
Speaker 3: maintain my current lifestyle when I'm no longer working.
Speaker 2: When you and.
Speaker 3: So it's you're it's literally about you and only you
Speaker 3: later on in life. Investing for wealth is different. It's
Speaker 3: about improved in your lifestyle now currently and leaving money
Speaker 3: for airs, you know, So that's what now. Investing for
Speaker 3: retirement should happen no matter what. Investing for wealth happens
Speaker 3: after you have the foundational things like budget say all
Speaker 3: that stuff. But investing for retirement happens no matter what,
Speaker 3: because no matter what your eighty year old self is
Speaker 3: going to need to eat, it's going to need a
Speaker 3: safe place to live, it's going to need medicine, it's
Speaker 3: going to need transportation.
Speaker 2: You see what I mean.
Speaker 3: So like retirement is really not optional, but investing for
Speaker 3: wealth kind of is.
Speaker 1: Absolutely. I gave myself a check my I love my
Speaker 1: four one K and but I will say the past
Speaker 1: five year old three years especially, I have had a
Speaker 1: lot of fun taking the next step beyond just like
Speaker 1: the target date fund, you know, index fund investing style
Speaker 1: and actually investing for wealth. And that's been it's been
Speaker 1: new territory. Yeah.
Speaker 2: And just if you guys are listening, you forgot, like,
Speaker 2: don't forget.
Speaker 3: This is that gg wmquiz dot com for Get Good
Speaker 3: with Money quiz. If you want to take the quiz, like,
Speaker 3: hold up, let me see, because I would love if
Speaker 3: you could like tweet us, Instagram, us, email us like
Speaker 3: what your you know what your your score is?
Speaker 1: Yeah? I use the hashtag gg W M O n
Speaker 1: E y gg W money. Yes, loves it all right,
Speaker 1: ooh ooh. My second favorite, Get Good with the Insurance
Speaker 1: number seven.
Speaker 2: This is where I get good.
Speaker 3: This is where I like at first before when I
Speaker 3: was writing this book, this is where I didn't.
Speaker 2: I was not I was. I was eighty.
Speaker 3: Percent because my insurance. And you'll see like this is
Speaker 3: where I was shaking, but now I'm good. Angelie got
Speaker 3: me all the way together. This is a chapter that
Speaker 3: I had Angelie really weigh in on because it's insurance
Speaker 3: is not just health insurance. You have to think about
Speaker 3: life insurance potentially disability and property and casualty insurance. That's
Speaker 3: what you think of like home and artum So are
Speaker 3: you adequately covered?
Speaker 2: Do you know the need? So the reason.
Speaker 3: Why I was eighty percent when I first started the
Speaker 3: book is because I thought I was well insured and
Speaker 3: Julie was like, yeah, girl, you're insured like a twenty
Speaker 3: seven year old.
Speaker 2: I'm like, that's when I got my life. And you say, exactly, this.
Speaker 3: Life insurance is is enough to protect your twenty seven
Speaker 3: year old self, but not your forty forty one year
Speaker 3: old self. And so this chapter, I think is really
Speaker 3: great for people who are like I did it.
Speaker 2: I'm good. I'm good.
Speaker 3: It's like, are you sis, how's your insurance looking? Insurance
Speaker 3: is yours a risk management tool?
Speaker 2: You know? Are you managing risks in your life? Like?
Speaker 3: Are you managing risks against your assets, against your life,
Speaker 3: against your earning potential, against your property. So I think
Speaker 3: this is gonna be a really great chapter for.
Speaker 1: Folks love it. This was the one I finally got
Speaker 1: together when I when I had the baby. It was
Speaker 1: like I left the hospital and I was like, oh,
Speaker 1: I have to get some life insurance. Now I have
Speaker 1: a reason. And I will say the pandemic kind of
Speaker 1: threw me off because it was like the people literally
Speaker 1: they come to your house and they do like a
Speaker 1: or you go there sometimes, but they do like a
Speaker 1: physical you know, your sample. I think he took blood,
Speaker 1: don't It was like four in the morning. I don't know.
Speaker 1: I got to really know the early appointment solid blur,
Speaker 1: but finally got it done back in August. And I
Speaker 1: think that's the most common question I see is how
Speaker 1: much is enough for life insurance? For me, it was
Speaker 1: ten x. I just used that rule of thumb ten
Speaker 1: x my household income, and you know, luckily got approved.
Speaker 1: In all of that, where's the best because people may
Speaker 1: not know where to start shopping for an insurance policy.
Speaker 1: And by the way, we're talking about life insurance, but
Speaker 1: also just do you have enough home insurance? Do you
Speaker 1: have enough property insurance, you know, so making sure that
Speaker 1: you're covered for those types of things is important too.
Speaker 3: So the one of my favorite sites that that I
Speaker 3: mentioned in the book is a policy Genius, because policy
Speaker 3: genius is not just going to help you look for
Speaker 3: health insurance. You can just you can literally take a
Speaker 3: quiz and it'll let you know, like, oh girl, you gotta.
Speaker 2: Pat what about kik kiki the k in do you
Speaker 2: have that insurance?
Speaker 5: You know?
Speaker 3: Some policy genius is actually going to show you where
Speaker 3: you have like plugs or holes in your insurance and
Speaker 3: make suggestions for you. So that's when there's also select quote.
Speaker 3: That's another one. I think it's selective. Yes, that's another
Speaker 3: one that I like, and so like just getting with
Speaker 3: it when it comes to insurance. You know, if you're
Speaker 3: not working with a financial planner like I was, you know,
Speaker 3: taking one of those quizzes to see, like, you know,
Speaker 3: do I have enough insurance is a great place to start.
Speaker 3: So you could slowly but surely start plugging those wholes
Speaker 3: because the older you get, the more critical insurance becomes,
Speaker 3: especially if you have dependence, especially children.
Speaker 1: Yep, love it. Okay, three more, I'm out seventy percent
Speaker 1: so far. Okay, grown rich? Oh, grow richsh 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: I 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.
Speaker 2: But liabilities loves it.
Speaker 1: That's one I cheat. I use one of those money
Speaker 1: management apps which has all the information between my husband
Speaker 1: and myself and then it's a really pretty chart that
Speaker 1: we watch go up and down and it kind of
Speaker 1: shows your net worth net worth, which yeah, I love it,
Speaker 1: and also thinking about if you have a mortgage. I
Speaker 1: was always thinking of a mortgage as oh, this is
Speaker 1: a huge hit to my net worth. But then you
Speaker 1: forget about the asset side of it. You know, so
Speaker 1: your praised home value is the asset, yes, you know,
Speaker 1: you factor in and then all of a sudden, it's like,
Speaker 1: oh yay.
Speaker 2: People always people always get that message. They're like, is
Speaker 2: a house and acid are liability? I was like, it's
Speaker 2: really both, Like you said, like the value of your
Speaker 2: home is the is the asset, and then the mortgage
Speaker 2: you have out on that home is the liability. It's like, okay,
Speaker 2: you know, so yeah, that's yeah.
Speaker 1: That's why so many folks got burned during the housing
Speaker 1: crisis because they their home was not worth the amount
Speaker 1: of money they had taken out against it, so their
Speaker 1: debt they just owed more than the house was worth.
Speaker 1: So that's the nightmare situation, luckily not happening here. Okay
Speaker 1: net worth, Okay, two more, Okay, so this is obviously
Speaker 1: we're down to the last two. We can probably figure
Speaker 1: out where Mandy has some work to do. But number nine,
Speaker 1: pick your money team financial professionals. So this is where
Speaker 1: you have. So how do you define what's your money team, Tiffany,
Speaker 1: Because we get asked about you know, financial planners, but
Speaker 1: what else? Who else is on your ideal money team?
Speaker 2: So it depends on where you are in life.
Speaker 3: So at the very least, I say, every single person
Speaker 3: needs an accountability partner. It could be your work mom,
Speaker 3: It could be your bestiae, it could be your spouse,
Speaker 3: your partner. It could be your sister, your brother, or 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 gonna do yours this week?
Speaker 2: Okay, I'm saving, Yay, it's good, Okay.
Speaker 3: You know, someone to keep you motivated, someone to help
Speaker 3: normalize the process because they're going through it as well,
Speaker 3: someone to encourage you, you know, and sometimes someone even
Speaker 3: to set the example because maybe they're better at something
Speaker 3: else than you when it comes to their finances. So
Speaker 3: accountability partner, I'm across the board and I always know
Speaker 3: you all know I have the Dreamcatchers group on Facebook.
Speaker 3: Dreamcatchers live richer with the budget Nissa and I tell
Speaker 3: people if you don't know anybody in real life that
Speaker 3: you can get an account, get to be your accountability partner.
Speaker 2: You can always find one in that group.
Speaker 3: It's like half a million of us in there, all
Speaker 3: working on our finances together, so that's for sure. But
Speaker 3: then there are people like a certified financial planner. You know,
Speaker 3: this is someone who typically they say you should have
Speaker 3: about two hundred and fifty thousand dollars of assets to
Speaker 3: invest before it kind of makes financial sense. So you
Speaker 3: might not need one, but that's someone just to keep
Speaker 3: in mind. An insurance broker. Now this you might not need,
Speaker 3: but 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 my insurance collectively to see Like the other day,
Speaker 3: David's like, hey, if we twitched to Travelers, we can
Speaker 3: save you and Superman three thousand dollars a year.
Speaker 2: I was like, let's do it.
Speaker 3: You know, and estate planning attorney. You may or may
Speaker 3: not need one, but I wanted to put it out there.
Speaker 3: What I love about in the book is that I
Speaker 3: explain who these people are, whether or not you may
Speaker 3: or might not need it, how much they typically get paid,
Speaker 3: if it makes sense, and how they're usually paid and
Speaker 3: less than not least. A CPA is certified book accountant.
Speaker 3: You don't necessarily need one because you might do your
Speaker 3: own taxes if you've got a simple ten forty easy,
Speaker 3: you know, turbo tax is fine, you know. So I
Speaker 3: just share in this particular part of the book, these
Speaker 3: are just like, hey, here's who you might consider and why.
Speaker 2: But make the best choice for you when it comes
Speaker 2: 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, it's set up,
Speaker 1: and my legacy, as my financial legacy, lives on. So
Speaker 1: let's talk about number ten leading a legacy.
Speaker 2: So about that for you.
Speaker 3: Here's why I am ninety percent as well, Like I
Speaker 3: think that people don't get, you know, I'm all the
Speaker 3: way transparent, like I am working on. I probably was
Speaker 3: one hundred percent before because financial hollness is very fluid, right,
Speaker 3: So I could have been one hundred percent before because
Speaker 3: I didn't need a trust before. But I've grown, my
Speaker 3: assets have grown to a space in the place where
Speaker 3: I need a trust now, So I'm no longer one
Speaker 3: hundred percent. I'm ninety So I'm working on a trust
Speaker 3: now with Tony More, my attorney, my husband, and I
Speaker 3: are so with leaving a legacy of state planning. This
Speaker 3: is when you've identified and completed the components of an
Speaker 3: estate plan, so that is potentially a will trust beneficiaries
Speaker 3: on your accounts, you know, and you have executed, signed,
Speaker 3: and funded your state plan Tony, which oddly enough told
Speaker 3: me that many people with her for six months to
Speaker 3: do a trust and then not put the stuff into
Speaker 3: trust and fund it. She's like, so you paid all
Speaker 3: this money for me to make your trust. But it's
Speaker 3: almost like they're afraid if they create the trust or
Speaker 3: the will that the next day they pass away.
Speaker 1: Yeah, you know, it's true. It's all this is so
Speaker 1: wrapped up in the emotions behind death. That's why it's
Speaker 1: for me, even just getting life insurance, I have to
Speaker 1: stop myself from thinking about the reason I'm getting this
Speaker 1: is so if I die, but I'm not gonna die
Speaker 1: but not for my baby. Like, yes, it's 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: slowly grow to 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 my I had a life insurance policy
Speaker 3: and my bank accounts. My mom and my sisters and
Speaker 3: my father were the beneficiaries and all of that. That's
Speaker 3: the state planning for a twenty something year old with
Speaker 3: no children, you know, like major assets.
Speaker 2: That was fine. So what's so great about financial holness
Speaker 2: is that it grows up with you.
Speaker 3: That as you grow up, you start to realize that
Speaker 3: you can look back and say, oh, my insurance, Like
Speaker 3: I just got good with insurance because my insurance before
Speaker 3: was fine, but now I'm married, I've got a bonus daughter,
Speaker 3: I've got nieces and nephews, I've got additional businesses. So
Speaker 3: as a result, my insurance had to grow to meebe
Speaker 3: where I was. And so financial homeness just know that
Speaker 3: you're ever evolving. And why I like financial homeness versus
Speaker 3: financial freedom is that many financial freedom to seem so
Speaker 3: it was not inclusive, right. So with financial freedom, typically
Speaker 3: people say like kind of like they have like this
Speaker 3: money set aside and it allows them not to work anymore,
Speaker 3: and that's great, But are you fully insured? I wasn't.
Speaker 3: Do you have an estate plan? It doesn't address that,
Speaker 3: you know what I mean, Like, do you have your
Speaker 3: like your financial team set up? So maybe you have
Speaker 3: a budget and you're safe. But just because you're financially free,
Speaker 3: because I was financially free, but I was not financially whole.
Speaker 3: There's more protection and your ability to maintain where you
Speaker 3: are with financial wholeness and I would say financial freedom
Speaker 3: is for a few people, but financial holeness is literally
Speaker 3: 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 custin and read it for myself. I don't
Speaker 1: know what the audiobook, even though I talk to you
Speaker 1: every week. I feel like the audiobook's probably really good.
Speaker 5: You know.
Speaker 3: There's a clip that we were posting, and I was
Speaker 3: so nervous to listen to it because I was like,
Speaker 3: oh good, because.
Speaker 2: You just don't know how you sound. I'm like, was
Speaker 2: I sounding stupid?
Speaker 5: You know?
Speaker 2: Was I talking too fast? Da? Da da?
Speaker 3: So they gave me this clip of like I'm telling
Speaker 3: the story like of one of my first financial lessons.
Speaker 3: Because my sister Tracy was like, and if you I mean,
Speaker 3: if you know sisters, they don't care anything about your feelings.
Speaker 3: Like my sisters were literally like that picture of you
Speaker 3: on the cover of your book, it's cute, but you're
Speaker 3: smiling too hard.
Speaker 2: Girl, I'm a gun. I'm like, tell Jesus because he
Speaker 2: made my smile.
Speaker 3: You tell Jesus, like, literally, that's what was happening in
Speaker 3: the what's happened in the group chat.
Speaker 2: My sisters were going back and forth about is it
Speaker 2: too gummy? It is? I was like, I'm here, I
Speaker 2: can read, I can see you.
Speaker 3: But that's sisters, you know, So I don't you know
Speaker 3: your sisters are going to tell you like it is,
Speaker 3: especially Tracy. So when she said, did you listen to
Speaker 3: the audio version, like the clip they sent you? And
Speaker 3: I was like, cause she's my paplo sist, and I
Speaker 3: was like I was waiting for her to, like, you know,
Speaker 3: crack a joke and be like, Sis, you sounded terrible,
Speaker 3: but it is what it is, because she'll say something
Speaker 3: like that and she was like it was good. I
Speaker 3: was like, okay. She's like no, She's like, you know
Speaker 3: how like I hear you talk all the time and
Speaker 3: I'm like, nobody cares. And I heard that story so
Speaker 3: many times and I'm like nobody cares. She's like, I
Speaker 3: listened to the whole thing, like I leaned in. I
Speaker 3: was like, what a nice.
Speaker 1: Word on the New York Times bestseller's list quote Tracy
Speaker 1: had nothing mean to say about it.
Speaker 2: I was like what, She's like, No, for real, it's good.
Speaker 2: I was like, you know, just being nice.
Speaker 3: She looked at me like girl, Why would I just
Speaker 3: be a maze?
Speaker 1: Seriously, if you got some audible credits knocking around like
Speaker 1: I do, order.
Speaker 3: Like I did because I had like four credits and
Speaker 3: it was like one credit. So I got it because
Speaker 3: I was like I want to hear it. So yes,
Speaker 3: for sure though books, but if y'all want to help me,
Speaker 3: you know, make it to the Marror times, then they
Speaker 3: don't count audible. You should certainly use your audible credit.
Speaker 3: They don't count audible. They only count like the hardcover books.
Speaker 3: And like you're kidding, I don't think that is, but
Speaker 3: I still say getting you know, like if you got
Speaker 3: a free credit, I still say, you know, get it.
Speaker 1: Then you have both. Then you can take it in
Speaker 1: the car with you or on your walks, and you
Speaker 1: come back home with your cup of coffee, and then
Speaker 1: you keep reading, you know.
Speaker 3: The real book.
Speaker 2: It's like get Good, Get Good, a symphony of on that.
Speaker 2: But if you guys are wanting to get it, should
Speaker 2: be in the show notes.
Speaker 3: But certainly go ahead to Get Good with Money dot Com.
Speaker 3: One of the things that I'm committed to doing is
Speaker 3: that we try to do a rotation of like I
Speaker 3: showcase a black bookstore at the top of the so
Speaker 3: you like, you can order from all those other places,
Speaker 3: and I have all the logos like at Amazon and
Speaker 3: Bonds and Nobles and targeting all those places. But at
Speaker 3: the very very top, I say, want a support a
Speaker 3: black bookstore, So the one that's currently there, depending when
Speaker 3: you're listening. But if you're listening like the week of
Speaker 3: pub date three three thirty two thousand, we'll go me
Speaker 3: two thousand, twenty twenty one. What's currently showcase is bookstore
Speaker 3: in my hometown called Source of Knowledge. It's an amazing
Speaker 3: black owned bookstore in Newark and Manny.
Speaker 2: The story is so amazing.
Speaker 3: So you know, Newark is totally like gentrifying, like trying
Speaker 3: to be Brooklyn, and this black owned bookstore.
Speaker 2: The woman who owns it.
Speaker 3: Nobody wanted to buy anything in Newark, not any business owners.
Speaker 3: She bought the building years ago for pennies because no
Speaker 3: one Newark I we don't want it. Now that downtown
Speaker 3: Newark is like beautifying itself. I mean, big hotels and
Speaker 3: all these things are coming to downtown Newark. They tried
Speaker 3: to buy hers. They bought all the other little mama
Speaker 3: pop stores around her, and she was like nope, I
Speaker 3: want of knowledge black bookstore that carries black books to
Speaker 3: be in the middle of all of that, and they're like,
Speaker 3: what about this, nope, what about that?
Speaker 2: 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 it's just like the woman who's there. They have
Speaker 3: African masks in there. I used to go in there
Speaker 3: in college and you could just discover so many amazing books.
Speaker 3: I have never seen more black children on books than
Speaker 3: in that bookstore. I didn't even know all these black
Speaker 3: children's books existed. She's got children's books, adult books, romance novels, everything.
Speaker 1: Like.
Speaker 3: It's just so I say all that to say, it's
Speaker 3: currently right at the top of my page if you
Speaker 3: want to support a local black own bookstore, and I
Speaker 3: do a rotation. Before that, I had Mahogamy Books, which
Speaker 3: is they get what they're based at it, but they're
Speaker 3: an amazing bookstore as well, and so I'll just be
Speaker 3: doing a rotation probably like every month or maybe every quarter,
Speaker 3: just to showcase a black owed bookstore so they get
Speaker 3: some shine over there.
Speaker 2: But yeah, this has just been. Like I said, it's been.
Speaker 3: An awesome experience, and just the way it's been rolling out,
Speaker 3: you know, like go to get Goodwi money dot com
Speaker 3: to support take the quiz. There's the toolkit that's there,
Speaker 3: high key, low key. You don't have to pay to
Speaker 3: get the toolkit. Every it's like you're gonna make people pay.
Speaker 3: I'm like, girls, it's just part of the book, you know. Me,
Speaker 3: I love a free like in the tool I do
Speaker 3: because I'm just like the toolkit has all of the
Speaker 3: resources that I listen in the book by chapter. Like
Speaker 3: if I say I have my favorite banks, I list
Speaker 3: my favorite banks. If I say my favorite ways to
Speaker 3: get 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.
Speaker 2: 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 and please please please when
Speaker 3: you physically get your book, to post it on social
Speaker 3: and to tag me so I can reshare it. Please, like,
Speaker 3: just you know, Tiffany, I got my book and tag me.
Speaker 3: And so my promise is this, once I get to
Speaker 3: five hundred reviews on Amazon and Bars and Nobles, I'm
Speaker 3: going to do a free mini book club. We'll pick
Speaker 3: a chapter collectively together, we'll read it, and then we'll
Speaker 3: have like a session like a you know, a jam
Speaker 3: session one night, like a two hour session going over
Speaker 3: that chapter.
Speaker 2: 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 even 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 top of the bookshel 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, Yes, ask your
Speaker 1: library if they have it. I'm I'm calling. Yes, I'm
Speaker 1: going to call my local bookstore and see if they've
Speaker 1: got it, and then I'm gonna go. I'm gonna get
Speaker 1: in the cart to night, try and go find this. Damn.
Speaker 2: I'll tell you. Barnes and Nobles has it. Just ask them.
Speaker 1: You got me out here in the streets, go.
Speaker 2: To local bars and Nobles saying hey, I'd like gat
Speaker 2: it with money?
Speaker 6: Thanks.
Speaker 1: Yes, I'm gonna say it very loud. There's a best
Speaker 1: selling book that I'm good about by Tiffany Alice. Uh well, seriously, Okay,
Speaker 1: this was so fun. I can't believe this is finally
Speaker 1: we finally talking about the book. It's launching this week.
Speaker 1: You guys, go to get Good with Money dot com.
Speaker 1: Buy a book, and don't just buy one, buy one
Speaker 1: for a friend. College is you know, college graduations coming up.
Speaker 1: I can see this being the book that you don't
Speaker 1: just give to a college grad once, but they carry
Speaker 1: it through them, through with them through the next couple
Speaker 1: decades of their life. Even I'm gonna put this book
Speaker 1: in my estate plan.
Speaker 3: Love you, maybe just text me that her can purchase
Speaker 3: of the of the of the audio version, Mandy. I
Speaker 3: just love at the bottom that you are clearly listening
Speaker 3: to Harry Pottery.
Speaker 2: Because it shows you what she's listening to.
Speaker 4: Curly.
Speaker 2: I'm oh, I'm gonna come out like that, look at
Speaker 2: listen to Harry Potter, well by get good money. She's like,
Speaker 2: 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 5: Okay.
Speaker 2: I thought I was like, oh, look, I was like,
Speaker 2: what's this at the bottom? Hard Potter?
Speaker 1: I have all seven don't get me? Okay, all right,
Speaker 1: Well I'm just I'm like, I'm just I can't stop
Speaker 1: gassing you up because it's like, how often do you
Speaker 1: get to gas up your friend for their huge book
Speaker 1: that's coming out. So if it's annoying to you listeners
Speaker 1: who can love it, thank you so I mean thank you.
Speaker 1: Thanks Tiffany, Yeah, thank you, thank you and congrats. All right,
Speaker 1: well let's take a quick break and we're going to
Speaker 1: come back to answer your questions semi live on the show. Yes,
Speaker 1: okba fan, we are back. And this is so exciting,
Speaker 1: so exciting, y'all, especially for eighties babies where it's like,
Speaker 1: you know, no one uses voicemail anymore, but we are
Speaker 1: finally able to take y'all's questions. Be a voicemail you
Speaker 1: can call us to submit your questions to the show.
Speaker 1: Now again, that number is eight four four eight five
Speaker 1: eight eight zero eight zero eight four four eight five
Speaker 1: eight eight zero eight zero. And we're actually we have
Speaker 1: I hear that we have some voicemail. We have some questions,
Speaker 1: Is that right, producer Sarah, Yes, we do. Okay, let's
Speaker 1: hear them. I'm nervous.
Speaker 2: Yeah, I'm like, look, that's feel very eighties baby.
Speaker 1: We screamed these right, They're not just gonna be like
Speaker 1: we hate you.
Speaker 2: No, they're amazing.
Speaker 1: It should be all ambition, not brown ambition. Okay, cool,
Speaker 1: So let's get to our first voicemail. This one's actually
Speaker 1: just a shout out for you guys. It's super sweet.
Speaker 1: Here it does.
Speaker 6: Hello, guys. I just want to say I'm just so
Speaker 6: proud of you guys and Tiffany. Congratulations on your NAACP nomination.
Speaker 6: You are such an inspiration and you are just showing
Speaker 6: us what happens when we show up for ourselves and others.
Speaker 6: So keep doing your thing. And again, I've been following
Speaker 6: you guys for a very long time. I'm on Instagram
Speaker 6: coached by Cabello.
Speaker 1: Oh that was so sweet.
Speaker 2: Thank you, Oh, thank you.
Speaker 3: I didn't win NAACP when it went to Tapatha Brown,
Speaker 3: which honestly, I voted for her too because she's just amazing. No,
Speaker 3: I voted for myself as well, but she's just amazing
Speaker 3: and I didn't feel bad about it at all because
Speaker 3: I just just to be nominated was an and she
Speaker 3: truly deserved.
Speaker 2: I mean, not that said I didn't deserve, but yeah,
Speaker 2: she truly deserved.
Speaker 1: My brown Boost was going to be your phenomenal ensemble.
Speaker 2: Gohrdeous? Thank you?
Speaker 1: All right, Okay, any more questions? Any more voicemail? Yeah,
Speaker 1: we have a few more. Here's the next one.
Speaker 4: Hi, ladies, longtime listener here, so excited that you guys
Speaker 4: have this voice note option, I love the show. And
Speaker 4: a quick question for the Custodio Brokeache account. Are you
Speaker 4: nervous that someone may feel real like social on like
Speaker 4: his identity out there. I'm just so nervous of doing
Speaker 4: some things that possibly may cause her to have identity death.
Speaker 4: What tips or tricks do you have for that? All right,
Speaker 4: wait to hear back from you guys.
Speaker 1: Yeah, so we talked a little bit about just you know,
Speaker 1: how do you when you say for your kids, how
Speaker 1: you do that, and you're right when you when you
Speaker 1: fill out a bank application, you know, opening account or
Speaker 1: what however you call it an application form, they do
Speaker 1: ask for your child's social Security number. And it's true
Speaker 1: that babies are like us, you know, they have social
Speaker 1: Security numbers, and there is you know there Sometimes child
Speaker 1: children can be the victim of identity theft, although I
Speaker 1: will say, you know who the most common perpetrator of
Speaker 1: child identity theft is parents. So as long as you
Speaker 1: aren't trying to take out some credit in your kid's name,
Speaker 1: they should be all right. But no, it's a it's
Speaker 1: a valid it's not specific to you know, opening a
Speaker 1: bank account for a kid. But yeah, I think you
Speaker 1: just have to be vigilant the same way you are
Speaker 1: about your own information. And I will say, I don't
Speaker 1: know why, but I had this vivid memory in elementary
Speaker 1: school filling out school forms and you would just write
Speaker 1: your social security and we're down on paper and lord
Speaker 1: knows where those went. But I feel like, if you
Speaker 1: really want to steal some identities, just go into any
Speaker 1: school principal's office and just root around the file.
Speaker 2: Someone's like, oh, thanks, great idea. I'll be right back.
Speaker 1: B yeah, so I think your child. Your child might
Speaker 1: have a credit report when they get older, so you know,
Speaker 1: one thing you can do is to check and see
Speaker 1: around the time they turn sixteen, check and you know,
Speaker 1: just go to Annualcreditreport dot com and see if you
Speaker 1: can pull a credit report. If you can and there's
Speaker 1: stuff on it, then that's a good that's a good
Speaker 1: hint that there may be something amiss. And and you
Speaker 1: know from there. So let's say you do find something.
Speaker 1: You know, someone has applied for a job or a
Speaker 1: student loan, or a car, or even rented an apartment
Speaker 1: with your child's information. That is time when you can
Speaker 1: do something like place a credit freeze, which is when
Speaker 1: you're not allowed to open new credit without passing a
Speaker 1: certain number of steps, or even disputing or definitely disputing
Speaker 1: the fraudulent activity through the three credit bureaus. And I remember,
Speaker 1: I don't know, I probably told you guys a couple
Speaker 1: of times. When I was eighteen, I think someone took
Speaker 1: out a credit card in my name. When did I
Speaker 1: find out? When I was applying for my first apartment
Speaker 1: in New York City and I got majorly denied because
Speaker 1: I had this you know, this horrible mark on my
Speaker 1: credit report and I had to dispute it and all
Speaker 1: that stuff, so it can happen. But yeah, that's all
Speaker 1: anything you want to add to that, tiff.
Speaker 3: No, I mean all of as you said, honestly that
Speaker 3: you you can protect your child's credit the way you
Speaker 3: kind of protect your own. There's certainly like even LifeLock.
Speaker 3: Honestly you can add like your whole family on. That's
Speaker 3: what Superman and I do.
Speaker 2: But I feel like not to say people don't steal
Speaker 2: children's credit.
Speaker 3: It's just that there's not much to be gained as
Speaker 3: much as it like i'd be, you know, definitely, you
Speaker 3: know be you know you want to have like a
Speaker 3: keep an ego eye out, but especially for your own
Speaker 3: quite honestly, because that's what they're that's what they're gone
Speaker 3: and gun and after because they're more likely to get.
Speaker 1: More with yours.
Speaker 3: But but certainly lock it down LifeLock and other services
Speaker 3: like that if you're nervous about it.
Speaker 1: Yep, Okay, this is fun. I love hearing y'ell's voice,
Speaker 1: I know for the question. Okay, last, but not least,
Speaker 1: who do we have our last one is from Eric
Speaker 1: in Nashville.
Speaker 5: Hey MANA sure. Hey, Tiffany, this is Eric from Nashville, Tennessee.
Speaker 5: I have a quick Dealma, I wanted to know you
Speaker 5: guys can help me with. I want to get a
Speaker 5: new card from my birthday in December. I'm currently paying
Speaker 5: down credit card debt. Now I have a little bit
Speaker 5: over a balance of eight thousand, but I do have
Speaker 5: the money in my safe to pay the card off.
Speaker 5: Should I just pay the card off and pay myself back?
Speaker 5: Or should I just continue to make the payments until
Speaker 5: it's fully paid off in November? Please let me know.
Speaker 1: I love how he called me, Mandra say, Eric from Nashville.
Speaker 3: I love your accent. First of all, we were just
Speaker 3: gushing over it. So first of all, love that you're listening.
Speaker 3: And I know we always talk to the ladies, but
Speaker 3: you know we got some gentlemen here too as well.
Speaker 1: All right, so ak in credit card debt, but wants
Speaker 1: a new card. He mean, he deserves a tiff shouldn't
Speaker 1: you get a new card for his birthday?
Speaker 5: Well?
Speaker 3: We all deserve good things, but it's not about It's
Speaker 3: not about whether you know you deserve well. I mean,
Speaker 3: certainly I think that you should have something nice, But
Speaker 3: what you really deserve above all else is to be
Speaker 3: able to afford it, not just pay for it. So
Speaker 3: I'll say this, I don't believe in draining savings in
Speaker 3: order to pay down debt, only because if twenty twenty
Speaker 3: is raggedy behind it and teaches nothing is the importance
Speaker 3: of having some savings yep. And so it makes me
Speaker 3: a little nervous to be out here without savings out
Speaker 3: because you're assuming that nothing dramatic or traumatic is going
Speaker 3: to happen to you financially, that you'll be able to
Speaker 3: put that money back.
Speaker 2: What if you can't, then what? And then would it
Speaker 2: just came to me when I was like, then what
Speaker 2: it's like, it's a it's a it's a GZ song.
Speaker 2: And then he said, first like wwe vibes well, JZ
Speaker 2: has a very WWD. His voice is very So that's
Speaker 2: what I would say, is that, like, if that eight.
Speaker 3: Thousand is three months worth of your like you know,
Speaker 3: your expenses, I'd leave it alone and just be patient.
Speaker 3: Because here's the thing about birthdays, God willing, they come
Speaker 3: wrong every year. And the good thing about cars is
Speaker 3: they don't have to be purchased on your birthday. They
Speaker 3: could just be purchased so you could tell yourself it's
Speaker 3: a belated birthday gift when you have it to get
Speaker 3: you know, I want you to. I just I just
Speaker 3: feel nervous about you draining savings, especially during times like now.
Speaker 1: Yeah, And I mean it's sort of like it's the
Speaker 1: classic conundrum of how do I get to a goal
Speaker 1: that I want, but I also have some I also
Speaker 1: have some other things I need to do at the
Speaker 1: same time. So he wants a car, he wants to
Speaker 1: pay on his credit card debt, and he wants to
Speaker 1: not drain his savings. So I would say, if you
Speaker 1: were to drain your savings to pay off the credit
Speaker 1: card debt, like Tiffany said, I mean that that might
Speaker 1: sound okay, because it might sound like a good idea
Speaker 1: because then you don't have the credit card debt, But
Speaker 1: then you also don't have cash for a down payment
Speaker 1: on your car, and you know, you may end up
Speaker 1: taking out a much longer term auto loan at a
Speaker 1: higher interest rate, potentially depending on your credit score, and
Speaker 1: you know, over time you'll spend a lot more paying
Speaker 1: down that loan than you would if you were able to,
Speaker 1: you know, make a down payment and take out a
Speaker 1: smaller loan for your auto loan. So I feel like
Speaker 1: there's a way to accomplish these goals, but definitely not
Speaker 1: all at the same time, because, like Tiffany said, you
Speaker 1: don't want to you don't want to drain your savings account,
Speaker 1: so then you don't have any safety net. I would
Speaker 1: say the debt is a pressing concern, especially if it's
Speaker 1: credit card debt. And I mean, if you were able
Speaker 1: to save eight thousand, I feel like you can definitely
Speaker 1: maybe put pause on contributing heavily to your savings account
Speaker 1: and put that extra money instead toward your debt, you know,
Speaker 1: especially if, like Tiffany said, if that's three months of
Speaker 1: your savings or more, then I think you're in a
Speaker 1: good place where you could say, Okay, cool, got it,
Speaker 1: got a safety net. Now let's start putting everything I
Speaker 1: can toward this other debt. And then when you feel
Speaker 1: confident that you have money, you have your debt paid down,
Speaker 1: and then you have some money to put down on
Speaker 1: a car, get a car that you can afford. I
Speaker 1: can't say it enough. Auto debt is like Americans love
Speaker 1: them some auto debt, and you know it's it.
Speaker 2: Does I get it?
Speaker 1: We need cars to get around, but I just don't
Speaker 1: want I don't feel like people just sometimes take on
Speaker 1: way more auto debt than they need, they get more
Speaker 1: cars than they absolutely need because of appearances. I'm just
Speaker 1: gonna say it, and I'm not saying that's what you're after. Eric,
Speaker 1: you sound like a very humble gentleman, just trying to
Speaker 1: make your way in this crazy world. But yeah, I
Speaker 1: definitely think about what you can afford. And I love
Speaker 1: the what is it the four ten twenty rule for
Speaker 1: buying a car? Dang it, I'm not to google it
Speaker 1: because I always forget what it is. AH, help me
Speaker 1: out here, wait, four ten twenty rule for cars. I'm
Speaker 1: gonna put this in the in the show notes. So
Speaker 1: you should only buy a car. This is a rule
Speaker 1: of thumb. I don't have to like follow it completely,
Speaker 1: but a good rule of thumb. When you can make
Speaker 1: a twenty percent down payment, when you're financing the car
Speaker 1: for four years or less, and the total cost of
Speaker 1: your monthly car expenses so like insurance, gas, and the
Speaker 1: actual car note doesn't exceed ten percent of your gross income,
Speaker 1: that's the twenty four to ten rule. I kind of
Speaker 1: got it right, that's a good rule of thing to
Speaker 1: start when you actually start shopping for a car.
Speaker 2: I agree.
Speaker 1: All right, Well, thank y'all so much for setting in
Speaker 1: your questions again. Hit us up eight four four eight
Speaker 1: five eight eight zero eight zero eight for four A
Speaker 1: five eight eight zero eight zero. We're gonna come up
Speaker 1: with a.
Speaker 2: Jingle, Yes we do.
Speaker 1: There's a lot of eight's in there.
Speaker 2: I don't know, there'seah four eights.
Speaker 3: I gotta do something, and I like, say, eight zero
Speaker 3: eight zero is like do we do like eighty eighty?
Speaker 3: You know, like I feel like we should come up
Speaker 3: with the jingles that's very much like, you know, nineteen
Speaker 3: nineties like one eight hundred and five eight two a
Speaker 3: so empire, you know, like the Empire tires?
Speaker 2: Is it tires? I don't know what they'd sold, but
Speaker 2: either way, we need to come up with a very
Speaker 2: nineties jingle. We'll do it. Hey, well, if you got.
Speaker 3: A jingle, I mean, we would love I mean, here's
Speaker 3: the thing. I mean, many is probably gonna be like
Speaker 3: what we didn't discuss this, but I'd love to hear
Speaker 3: your version of my Hey hey, hey.
Speaker 2: We're black. We're black. We're black, We're brown. Ambition I
Speaker 2: would love to hear that.
Speaker 1: Oh yeah, I'm all about that. Why use a voicemail? Well,
Speaker 1: first of all, Sarah's like, I don't want to listen
Speaker 1: to a bunch of people warbling.
Speaker 3: If it sounds cute, we might open with chill girl,
Speaker 3: do you bo if you.
Speaker 1: Can make a jingle out of our radio number, I
Speaker 1: would I would definitely be down to share that on
Speaker 1: the show. Eight four four eight five eight eight zero
Speaker 1: eight zero. That's all the bitcher all you'll have. Oh
Speaker 1: and we're called brown Ambition. There you go go fourth
Speaker 1: and conquer. Might you want to do an intro for
Speaker 1: boost and break?
Speaker 2: Yes?
Speaker 3: Now it time to boost break or booster break or
Speaker 3: booster break?
Speaker 2: Are you going boost? Are you going to break? You
Speaker 2: on boost? You're going break?
Speaker 1: I can hear Rea all he's having a ball to
Speaker 1: feel bad for him.
Speaker 2: Oh, manager, are you gonna boost? Or are you going
Speaker 2: to break?
Speaker 1: I have to do a break because Georgia 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. You have to
Speaker 1: stay in line, and they are expanding the state legislator's
Speaker 1: power over elections. So it actually makes Georgia, this is
Speaker 1: a coin to the New York Times, the first major
Speaker 1: battleground to overhaul its election system since last year's presidential contests.
Speaker 1: So it's ironic that everyone praised Georgia, especially if you were,
Speaker 1: you know, voting Democrat and wanted a certain election outcome.
Speaker 1: You know, Georgia went blue for the first time in decades,
Speaker 1: and it just goes to show you it doesn't matter.
Speaker 1: It 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
Speaker 1: widely widely disputed, So make some noise. Voting rights groups
Speaker 1: like Stacy Abram's Fair Fight Action that I've been supporting
Speaker 1: for a long time, they are out there making noise,
Speaker 1: and they're asking businesses to withdraw support of certain candidates
Speaker 1: and certain legislators who have voted for this particular peace
Speaker 1: of legislation. But yeah, it's really really terrifying. This is
Speaker 1: not the direction that I think we should be going.
Speaker 1: Voting should be getting easier, it should not be getting harder.
Speaker 1: It's really just a very thinly veiled effort to suppress
Speaker 1: votes that are not convenient to a certain political party.
Speaker 1: So want, Want, Want, But that's my break.
Speaker 2: Oh yes, I saw that.
Speaker 3: I was like, thankfully Stacey Abrams, you know, she is
Speaker 3: very clear and understanding what this is. They're calling these
Speaker 3: like Jim Crow laws basically, and so yeah, so I
Speaker 3: had an original boost, but it's it flew the coup
Speaker 3: because you know, brains in eighty.
Speaker 2: So instead I am going to boost one of.
Speaker 3: My favorite Instagram accounts because he does these cartoons. So
Speaker 3: the guy's name is a vision poet right vision v
Speaker 3: I s io n poet p o e T So
Speaker 3: his Instagram account he is a poet from Philly and
Speaker 3: I'm as someone where around the same age, just because
Speaker 3: like the stuff that he talks about. I'm like, oh yeah,
Speaker 3: yeah imb those times. So he does poetsr. But that's
Speaker 3: not what makes his Instagram account so great. He's got
Speaker 3: this animated series that he's created that he calls trasht
Speaker 3: Piece instead of masterpiece but trash trash to piece 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 dropped 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.
Speaker 2: So that is my boost, you know.
Speaker 3: Sometimes I like give him shouts to Instagram and accounts that,
Speaker 3: you know, bring a little joy, you know, to.
Speaker 1: Anyone who's followed by the budget needs to request love
Speaker 1: and Tiffany Nudis okay.
Speaker 2: Oh they followed.
Speaker 3: Yeah, so I didn't know that, but like yeah, and
Speaker 3: I really yeah, he's just when I say hilarious, you
Speaker 3: watch and you are just a giggling like, oh my gosh.
Speaker 3: And the usually about like maybe like three or four minutes,
Speaker 3: maybe five minutes, I don't even know, but they're just
Speaker 3: really really well done. Funny, yeah, just hilarious. Or I
Speaker 3: just encourage you if you're just looking for like a
Speaker 3: little space away. He has serious stuff on there, you know,
Speaker 3: which is great. You know, indulge, but you know, if
Speaker 3: you need a little breakaway, I suggest you do.
Speaker 2: You go ahead and do all that.
Speaker 3: If you have not already, head to your local brown
Speaker 3: Browns and Nobles.
Speaker 1: Can you imagine, I know, to.
Speaker 3: Your local Barns And oh this is what I remember
Speaker 3: my real boost. I just wanted to give a boost
Speaker 3: to doctor Green, just like the breakthroughs I've been having
Speaker 3: have been and I'll share them, like like it was
Speaker 3: a really good lesson that I learned in our last session.
Speaker 3: 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 zoom,
Speaker 3: because I shared with her something that I did and
Speaker 3: she was like, just a minute ago, you was afraid
Speaker 3: to do this small thing.
Speaker 2: Now look at you over here doing big things.
Speaker 3: Tiffany, and so I've just been growing so much and
Speaker 3: just like just the power of asking for help, whether
Speaker 3: it's therapy or coaching or in between. And like I said,
Speaker 3: I can't wait to share the lesson because it was
Speaker 3: so profound for me, and I know that someone's gonna
Speaker 3: get great value from it. So I'm going to make
Speaker 3: myself a nope so my brain does not forget again.
Speaker 3: But yeah, that's that's it for me.
Speaker 1: I loves it. And Mental Health Awareness Month is coming up.
Speaker 1: I feeling we need to make that a moment. Okay, well, congratative.
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
Speaker 2: Go to keeke Goos money dot com