WEBVTT - How to (Finally!) Get Good With Money 0:00:00.120 --> 0:00:03.000 Hey, ba fan, Mandy here or Mandra, you can call 0:00:03.040 --> 0:00:06.000 me Mandra, that's fine. I have a simple request for you, guys. 0:00:06.040 --> 0:00:08.200 We get so many questions on how you can support 0:00:08.200 --> 0:00:10.719 the show, and there's really a very very simple thing 0:00:10.720 --> 0:00:13.440 that we need you guys to do. Open up this app, 0:00:13.520 --> 0:00:16.120 open up wherever you're listening to this podcast right now, 0:00:16.239 --> 0:00:19.239 and subscribe if you have the ability, especially those of 0:00:19.280 --> 0:00:21.840 you who are on iTunes. We're really making a push 0:00:21.880 --> 0:00:24.439 to get the show more visible. You've seen that we've 0:00:24.440 --> 0:00:27.400 partnered with a fabulous new network called Westwood One. But 0:00:27.480 --> 0:00:29.840 we also need the support of our listeners. 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Subscribe, like and review 0:01:05.040 --> 0:01:07.199 the show, and we thank you so much. 0:01:23.720 --> 0:01:24.240 Hey. 0:01:25.640 --> 0:01:32.280 Hey, hey, we're back. 0:01:33.520 --> 0:01:39.679 We're black, We're bound, am bitch. 0:01:40.959 --> 0:01:42.360 We're having a book, y'all? 0:01:42.520 --> 0:01:44.040 What we are having a book? 0:01:44.200 --> 0:01:46.960 I have to give you, guys the epic Hey hey, hey, 0:01:47.040 --> 0:01:49.760 Oh my gosh, mandra Yes, this is your week. 0:01:50.240 --> 0:01:57.000 My baby's here, my wheel's here. Oh my goodness. 0:01:57.200 --> 0:01:57.520 Book. 0:01:57.840 --> 0:01:58.400 I know. 0:02:00.200 --> 0:02:04.280 It feels surreal because I went into Barnes and Nobles 0:02:04.280 --> 0:02:08.359 today and at first I didn't see it, and then 0:02:08.360 --> 0:02:11.359 I saw it and I was like, you know, I 0:02:11.400 --> 0:02:13.359 don't know how to explain it, but I'll just say 0:02:13.400 --> 0:02:16.799 this that eleven or twelve years ago whatever, Like when 0:02:17.080 --> 0:02:19.480 my first book, One Week Budget, which I self published, 0:02:19.480 --> 0:02:22.760 came out, I went to Barnes and Nobles and because 0:02:22.760 --> 0:02:24.239 a friend of mine was like, I got a new camera? 0:02:24.400 --> 0:02:26.160 Do you have pictures? And I was like, now, he's like, 0:02:26.200 --> 0:02:28.440 you want pictures? I was like, I guess. So my 0:02:28.520 --> 0:02:30.359 roommate at the time, because you know, sisters broke, I 0:02:30.440 --> 0:02:33.480 was living in a room, so literally roommates at the time, 0:02:34.200 --> 0:02:37.280 Lauren was a budding makeup artist and I was like, Lauren, 0:02:37.520 --> 0:02:39.280 Ricky bought a camera and he said he wants to 0:02:39.280 --> 0:02:41.639 take pictures, and he said, bring my books to Barnes 0:02:41.680 --> 0:02:42.040 and Nobles. 0:02:42.040 --> 0:02:43.120 I didn't know what he had in mind. 0:02:43.639 --> 0:02:46.200 And I think, I'm going to bring my favorite almost 0:02:46.280 --> 0:02:48.400 church dress but looks kind of professional dress. 0:02:48.520 --> 0:02:50.519 Can you do my face? And she was like sure. 0:02:50.880 --> 0:02:52.679 I don't know why we didn't do faces at home, 0:02:52.720 --> 0:02:54.400 but we did it in the bathroom at Barnes and Nobles. 0:02:54.440 --> 0:02:55.720 And I got dressed in the bathroom. 0:02:55.919 --> 0:03:00.760 Bark's not even in the car, just in the nasty yes, 0:03:01.040 --> 0:03:04.600 And so I came out and put like eleven books 0:03:04.600 --> 0:03:08.360 on the shelf, and Ricky with his new big camera, 0:03:08.600 --> 0:03:09.920 proceeded to snep. 0:03:11.720 --> 0:03:14.720 To snap and I'm even thinking, I didn't even think, 0:03:14.760 --> 0:03:17.200 like is this allowed? It wasn't because the manager comes 0:03:17.200 --> 0:03:19.760 over and says, you can't do that, You cannot do that. 0:03:19.800 --> 0:03:20.560 I was like what. 0:03:20.760 --> 0:03:27.000 So Ricky and all his brazenness, says, keep posting. So 0:03:27.040 --> 0:03:30.080 he's like, what we'll leave. I'm so like, just imagine 0:03:30.480 --> 0:03:35.640 what we'll leave. I'm sorry, okay, And so I have 0:03:35.760 --> 0:03:38.160 these pictures and I cannot wait because I'll be posting 0:03:38.160 --> 0:03:42.640 on my social the epic how it started. And yesterday 0:03:42.720 --> 0:03:44.600 I went to well, today I went to Barnes and 0:03:44.600 --> 0:03:49.520 Nobles with my book legally on the bookshelves and legally 0:03:49.560 --> 0:03:51.960 taking pictures to how it's going. So I can't wait 0:03:52.000 --> 0:03:54.120 to put up side by side. You can see my 0:03:54.160 --> 0:03:55.880 locks are way longer. I got, you know, a few 0:03:55.920 --> 0:03:56.880 extra pounds on my booty. 0:03:57.560 --> 0:04:00.000 But my book is on this shelf for real this time, 0:04:00.040 --> 0:04:03.280 and it's my face on it. It just it still 0:04:03.280 --> 0:04:05.560 hasn't hit because I'm not gonna lie. It still feels 0:04:05.600 --> 0:04:07.200 like I put my book on the shelf, you know. 0:04:08.760 --> 0:04:10.480 But you walked in there and it was just someone 0:04:10.520 --> 0:04:15.320 else put it on their tiff. I know, I know, secretly, I. 0:04:15.280 --> 0:04:17.040 Didn't know the lady. I asked her. 0:04:17.080 --> 0:04:18.840 I was like, am I allowed to push these to 0:04:18.880 --> 0:04:21.480 the front because they had them on like the third shelf. 0:04:21.520 --> 0:04:23.560 I was like yeah, I'd like, get right here, eye level. 0:04:23.760 --> 0:04:26.080 She was like, yes, Wait, are you the author? I 0:04:26.120 --> 0:04:29.880 said I am, And she was like, well, you signed them. 0:04:29.920 --> 0:04:31.160 I'm like, am I allowed? She said yeah. 0:04:31.160 --> 0:04:32.279 She said, as a matter of fact, let me go 0:04:32.279 --> 0:04:35.880 get stickers because we actually have stickers that say autographed. 0:04:35.920 --> 0:04:38.640 I was like, oh, oh my goodness. So she was 0:04:38.640 --> 0:04:39.159 so awesome. 0:04:39.320 --> 0:04:42.640 Shout out to Laura of Barnes and Nobles in Clifton, 0:04:42.680 --> 0:04:45.479 New Jersey. I signed the books there and she took 0:04:45.520 --> 0:04:47.360 pictures of me signing the books. She's like, she asked 0:04:47.360 --> 0:04:48.919 me if she could post it to our so to 0:04:49.000 --> 0:04:52.400 their social I said absolutely, And I brought my friend 0:04:52.520 --> 0:04:55.359 Rihanna with me. I mean, we did a whole photo shoot, 0:04:55.360 --> 0:04:57.960 we did video, we did boomerangs, we did girl I 0:04:57.960 --> 0:04:59.159 went live, I did. 0:04:59.000 --> 0:05:04.440 All the things. Oh, but it just like. 0:05:06.040 --> 0:05:09.280 It's so crazy because it's been such hard work. I mean, 0:05:09.360 --> 0:05:11.120 y'all know I work hard, but it's a different level 0:05:11.120 --> 0:05:14.320 of hard work pushing out this book. It was a 0:05:14.360 --> 0:05:17.880 different level. And yet this week, because this is launch week, 0:05:17.880 --> 0:05:19.880 it's a very important week. This week determines, you know, 0:05:19.920 --> 0:05:22.320 you got to make New York Times bestseller. This week 0:05:22.360 --> 0:05:24.359 determines a lot, like do people want to work with 0:05:24.400 --> 0:05:27.400 you again? It's you know, like very few books do 0:05:27.480 --> 0:05:29.760 poorly in the first week and then go on to greatness. 0:05:29.760 --> 0:05:31.880 Like you know, this kind of sets the tone. And 0:05:31.960 --> 0:05:35.240 yet I'm going into this week feeling really calm because 0:05:35.240 --> 0:05:37.240 my team and I have already done like the work, 0:05:37.279 --> 0:05:41.120 We've already sold thousands of thousands of thousands of books. Already, 0:05:41.880 --> 0:05:45.359 and so I just think the audience is ready. Honestly, 0:05:45.400 --> 0:05:48.080 I encourage you to go into Bond and Noble put 0:05:48.080 --> 0:05:49.800 my book in the front, because don't let them play 0:05:49.800 --> 0:05:52.880 you if my book is not on the new because 0:05:52.880 --> 0:05:56.000 there's like there's a section that says new nonfiction. If 0:05:56.040 --> 0:05:59.479 it's just in the regular finance or business section, be like, cis, 0:05:59.520 --> 0:06:01.080 this is a brand book and needs to be here 0:06:01.160 --> 0:06:03.560 because some of the Barnes and Nobles can decide where 0:06:03.560 --> 0:06:05.400 they want to put it. But if you know, if 0:06:05.440 --> 0:06:07.120 you ask, they will put it in the new section 0:06:07.160 --> 0:06:08.640 because it deserves to be in the new section so 0:06:08.680 --> 0:06:12.800 people can see. But yeah, it just feels like surreal 0:06:12.839 --> 0:06:14.800 because you know what, Like what's best of all is 0:06:14.839 --> 0:06:18.359 that it's a good book. And I'm usually hard on myself, 0:06:18.360 --> 0:06:21.479 you know me, man, I'm like, yeah, I guess, like, but. 0:06:22.480 --> 0:06:23.480 It's a good book. 0:06:23.560 --> 0:06:27.239 I feel really proud that, like I wrote something that's 0:06:27.320 --> 0:06:31.440 actually good and it's going to be really helpful and 0:06:31.440 --> 0:06:34.040 it's really just going to transform people's lives. Like it's 0:06:34.080 --> 0:06:36.040 a good book. And I was like, Tiffany, well done. 0:06:36.080 --> 0:06:38.680 I don't know the last time I told myself well done. 0:06:38.760 --> 0:06:41.360 And I can honestly say not the marketing, not that. 0:06:41.400 --> 0:06:44.560 But like the book itself, I can honestly say, tiffany job, 0:06:44.600 --> 0:06:46.640 well done, Nap. 0:06:48.440 --> 0:06:51.039 I mean the content matters, right, And I think that 0:06:51.560 --> 0:06:53.480 it's not just selling because I mean, of course it's 0:06:53.480 --> 0:06:57.320 selling because you're a marketing genius and Dreamcator Nation has 0:06:57.360 --> 0:06:59.600 always had your back and all of that. But it's 0:06:59.720 --> 0:07:02.480 when product is good. It's good, you know, I mean, 0:07:02.600 --> 0:07:05.760 isn't it Like where opportunity and preparation meet. That's when 0:07:05.800 --> 0:07:09.720 the real magic happens. And I'm so excited I get 0:07:09.760 --> 0:07:12.160 to watch it all from my comfy chair and no 0:07:12.240 --> 0:07:13.120 pressure from land. 0:07:14.560 --> 0:07:16.400 Well yo, well baby, what would we do if it 0:07:16.440 --> 0:07:18.040 makes your time? That's so like what will we do? 0:07:18.240 --> 0:07:18.560 Magic? 0:07:19.280 --> 0:07:21.080 I've been waiting for you to tell me where I 0:07:21.120 --> 0:07:23.920 need to show up and how many confetti poppers to bring, 0:07:24.080 --> 0:07:26.520 and like what kind of champagne you don't like I 0:07:26.520 --> 0:07:27.720 can drink it by myself. 0:07:28.200 --> 0:07:31.120 I haven't. I don't even know what I would. I don't. 0:07:31.200 --> 0:07:33.400 I just it's like my mind can't conceive. Like I'm 0:07:33.440 --> 0:07:34.200 like ya I said. 0:07:34.000 --> 0:07:37.000 These free school I feel like Oprah is listening in somewhere, 0:07:37.080 --> 0:07:40.200 or the intern who works for the book. People at 0:07:40.240 --> 0:07:44.480 Oprah Inc. Or what at Harpo and uh and own, like, 0:07:44.640 --> 0:07:47.520 come on, y'all put a sticker on this book. If 0:07:47.520 --> 0:07:50.120 she hasn't had a personal finance book in a long time, Yes, 0:07:50.200 --> 0:07:52.680 in a very long time. Ever maybe not since David 0:07:52.720 --> 0:07:59.120 Bach or Susie. Yeah, you're come, this has Oprah Oprah. 0:07:59.120 --> 0:08:01.960 Don't let re speech who this girl. Don't let Reaes 0:08:02.040 --> 0:08:02.400 beat you. 0:08:03.160 --> 0:08:05.280 Oprah is a thing. 0:08:05.360 --> 0:08:09.080 We need the Oprah's Book Club to take notice. Especially 0:08:09.120 --> 0:08:12.680 at this moment in our country. People have been drugged, 0:08:12.800 --> 0:08:15.280 especially black and brown people have been dragged through it 0:08:15.360 --> 0:08:18.680 this year. I mean, this is a great a great 0:08:18.680 --> 0:08:21.240 self to the hearts of you know a lot of 0:08:21.280 --> 0:08:23.280 people who are feeling like we have been left behind 0:08:23.320 --> 0:08:25.720 by this financial system and we have been left behind 0:08:25.720 --> 0:08:27.560 in so many ways. And Tiffany, this book is like 0:08:27.600 --> 0:08:29.080 the great equalizer. You know. 0:08:29.480 --> 0:08:31.760 Somebody that like I was on this podcast called it. 0:08:32.679 --> 0:08:35.360 I think it's the root. It's lit. It's a literary podcast. 0:08:35.720 --> 0:08:38.600 And these just these two sisters who love reading and books. 0:08:38.679 --> 0:08:41.920 And one of them gave me like the best compliments. 0:08:42.000 --> 0:08:44.040 She was like, girl, first are one. I cried, I'm like, 0:08:44.120 --> 0:08:46.040 what she's like, what finance book makes you cry? Not 0:08:46.160 --> 0:08:48.040 like a cry and a hopeless but like, oh my god, 0:08:48.080 --> 0:08:51.600 it's for me. And then she told me, she's like, 0:08:51.640 --> 0:08:54.280 this is not nobody's finance book, Tiffany. She said, it's 0:08:54.360 --> 0:08:56.560 equal parts memoir because you know, I share my story 0:08:56.600 --> 0:09:00.319 because I want to normalize the financial drama and trauma. Okay, 0:09:00.360 --> 0:09:03.240 we've all been through it. She said, equal parts guide 0:09:03.280 --> 0:09:05.680 because it's an actual step by step this is how 0:09:05.760 --> 0:09:10.960 you fix, maintain, grow whatever wherever you are financially. And 0:09:11.000 --> 0:09:14.440 she said equal parts self help because it really does 0:09:15.000 --> 0:09:18.120 help you look at where you are and learn not 0:09:18.240 --> 0:09:20.600 to judge yourself and to be gentle and to give 0:09:20.600 --> 0:09:23.520 yourself space and grace to grow and learn. And when 0:09:23.559 --> 0:09:27.440 she said that, when she said like memoir, guide and 0:09:27.480 --> 0:09:29.199 self help, I'm like, you know what, She's right, She's like, 0:09:29.240 --> 0:09:31.440 I've never read a finance book like this before. 0:09:31.480 --> 0:09:31.880 Tiffany. 0:09:31.960 --> 0:09:34.319 She's like, it's like sitting with your sister girl, who's like, 0:09:34.320 --> 0:09:35.920 all right, girl, this is the weekend. We're gonna get 0:09:35.920 --> 0:09:38.760 our lives together. Let's walk through it together. And I 0:09:38.880 --> 0:09:42.120 just that's what I wanted. I wanted a safe space 0:09:42.679 --> 0:09:46.360 for our women, you know, like b A listeners, a 0:09:46.400 --> 0:09:51.040 safe space for you to go to grow when it 0:09:51.040 --> 0:09:53.960 came to your finances, and I just like, yeah, to 0:09:54.080 --> 0:09:57.600 just hear from women that it was intended for saying 0:09:58.840 --> 0:10:01.960 like that's exactly how I think elt, you know, like 0:10:02.040 --> 0:10:04.720 it just it's just I'm like, honestly, it just feels 0:10:06.240 --> 0:10:10.080 I don't even know, like it just feels so so 0:10:10.280 --> 0:10:12.120 good and right. I mean and also too, I've been 0:10:12.120 --> 0:10:13.840 working with doctor Green. Doctor Green is a miracle worker 0:10:13.840 --> 0:10:15.360 because I'm just in such a better space now because 0:10:15.360 --> 0:10:17.079 I can actually feel you know, remember I remember I 0:10:17.200 --> 0:10:21.080 was feeling less like a few so I can actually think, 0:10:21.320 --> 0:10:23.520 I know, and that's what it's feeling like. I'm like, 0:10:23.520 --> 0:10:25.679 oh my gosh, like my synapses are waking up again. 0:10:25.720 --> 0:10:28.840 I'm like, I feel things, but it just feels. It 0:10:28.920 --> 0:10:31.600 just feels like really good. I'm just like, you know, 0:10:31.760 --> 0:10:33.960 I'm like Tiffany, it's okay to say you're proud of yourself, 0:10:33.960 --> 0:10:37.360 and I am, and just everybody that's made it happen, 0:10:37.800 --> 0:10:41.320 the budgetist, the boosters that I tapped into. So you 0:10:41.360 --> 0:10:43.600 know me, I don't believe in gurus and I'm not 0:10:43.600 --> 0:10:46.720 gonna pretend to be your guru. And if I'm getting 0:10:46.760 --> 0:10:49.800 information from someone who you know, I think is an 0:10:49.840 --> 0:10:51.880 expert in a space, then I believe that they should 0:10:51.880 --> 0:10:55.920 get their shine. So I made a space, like I 0:10:55.960 --> 0:10:58.480 made it my business to reach out to people within 0:10:58.520 --> 0:11:03.480 the Brown Ambition financetial world to say, hey, you know, 0:11:03.600 --> 0:11:06.400 I trust you when it comes to this. Tony Moore, sister, 0:11:07.200 --> 0:11:09.439 Georgetown graduate. I think she's got her master's and laws. 0:11:09.480 --> 0:11:12.760 She's my attorney, and she does my she's doing my 0:11:12.920 --> 0:11:16.720 estate plan, like girl, you are a bad mambajama, And 0:11:16.800 --> 0:11:19.120 I don't want to pretend like I know a state 0:11:19.160 --> 0:11:21.640 plan other than like the basics. Can you help to 0:11:21.679 --> 0:11:23.360 pour into me so I can pour it to the people, 0:11:23.720 --> 0:11:26.880 and then I share this is Tony. My budget needs 0:11:26.880 --> 0:11:29.320 the booster for this chapter. She's going to be giving 0:11:29.400 --> 0:11:31.760 us advice along the way, and so certainly you hear 0:11:31.840 --> 0:11:34.600 my voice, but they are boosting opportunities where Tony jumps 0:11:34.600 --> 0:11:37.240 in with her expertise, and you'll see that throughout the book. 0:11:37.360 --> 0:11:41.160 But that was intentional because I want you the reader 0:11:41.200 --> 0:11:43.960 to know that no one has all the answers, including me, 0:11:44.280 --> 0:11:48.240 especially me, and that and I also do really believe 0:11:48.440 --> 0:11:52.200 like sharing the wealth because like Sandy's in the book, 0:11:53.080 --> 0:11:58.920 Courtney from the Ivy Investor, Kevin from Building Bread, Angelie 0:11:58.960 --> 0:12:01.080 who I love, my cif P's in the book. You 0:12:01.120 --> 0:12:04.280 know we love Nativa the Frugal credit Nisa Kara, the 0:12:04.280 --> 0:12:07.640 frugal feminista with her mindset stuff, Ash Cash with his 0:12:07.679 --> 0:12:11.280 mindset stuff. I really pulled out, like I don't know, 0:12:11.400 --> 0:12:13.680 like just some amazing people and like because you don't 0:12:13.679 --> 0:12:15.760 see their picture. What I love is there's gonna be 0:12:15.800 --> 0:12:17.440 so many women who are not going to realize like 0:12:17.480 --> 0:12:19.560 I put all these brown people in this book. Girl, 0:12:19.600 --> 0:12:24.600 that's right, you learn it from brown folks today. 0:12:24.000 --> 0:12:27.199 Okay, I love that. You didn't even it wasn't I 0:12:27.200 --> 0:12:28.160 didn't even think about it. 0:12:28.160 --> 0:12:30.680 But yes, I was just like because these are just 0:12:30.720 --> 0:12:32.840 like the best and brightest that I know, and just 0:12:32.880 --> 0:12:36.600 thinking about like, you know, let's normalize that they're like, huh, 0:12:36.960 --> 0:12:39.200 the best in the brightest that I know happened to 0:12:39.240 --> 0:12:42.920 be like amazing brown folks. I say brown because Angelie's 0:12:43.640 --> 0:12:47.280 as Indian, although everybody else is black, and so yeah, 0:12:47.320 --> 0:12:49.599 I just yes, let's get into. 0:12:49.920 --> 0:12:52.480 Let's get into what people are going to get out 0:12:52.520 --> 0:12:54.480 of this book. Yeah, so I actually went to Get 0:12:54.559 --> 0:12:57.560 It with Money dot com and I took the financial 0:12:57.600 --> 0:13:00.280 Wholeness checklist quiz that we're going to quiz. 0:13:00.080 --> 0:13:01.760 Your quiz, And if you want to take the quiz, 0:13:01.920 --> 0:13:05.559 you can. You can go to gg WM. That stands 0:13:05.559 --> 0:13:08.880 for Get Good with Money, so ggwmquiz dot com. So 0:13:08.880 --> 0:13:10.280 if you want to take the quiz that me and 0:13:10.320 --> 0:13:12.040 Mandy about to talk about, you can go and take 0:13:12.040 --> 0:13:12.439 the quiz. 0:13:12.440 --> 0:13:15.120 It's like two minutes. You get your results, you get 0:13:15.160 --> 0:13:17.120 your life, and then I send you like a checklist 0:13:17.360 --> 0:13:18.840 like via email to keep with you. 0:13:19.720 --> 0:13:21.880 I love that, Okay, So I actually did the checklist 0:13:21.920 --> 0:13:24.679 to see how financially whole am I and I thought, 0:13:24.679 --> 0:13:27.640 for sure, I've been talking to you for over five 0:13:27.720 --> 0:13:30.520 years once a week, I should definitely be one hundred 0:13:30.520 --> 0:13:33.160 percent financially whole. But I'm only eighty percent whole. 0:13:33.280 --> 0:13:35.880 Ok that's not only. First of all, that's great. 0:13:36.200 --> 0:13:39.800 Only eighty percent and it might be more like seventy five. 0:13:39.800 --> 0:13:43.440 But I give my full I give myself a full check. 0:13:44.000 --> 0:13:46.040 But let's walk through. We'll walk through each of these 0:13:46.080 --> 0:13:48.400 and then I will reveal where I am falling short. 0:13:48.440 --> 0:13:52.680 But the basics right budget building. So with budget building 0:13:52.679 --> 0:13:54.400 what are we talking about here? And how in the 0:13:54.440 --> 0:13:57.200 book does the wholeness checklist sort of play into the 0:13:57.200 --> 0:13:58.400 overall message in the book? 0:13:59.080 --> 0:14:03.480 So in the book I really lean into not just 0:14:03.480 --> 0:14:05.880 like you know what you're missing, you know, but like 0:14:06.240 --> 0:14:07.000 how do you fix it? 0:14:07.000 --> 0:14:09.080 How do you get there? And so I want it 0:14:09.080 --> 0:14:11.520 to be clear, like for budget building, like it literally 0:14:11.559 --> 0:14:14.440 says like I have a written and at least partially 0:14:14.520 --> 0:14:19.320 automated like transfer, savings bills, et cetera personal budget, and 0:14:19.560 --> 0:14:22.720 you have the necessary checking and savings accounts to. 0:14:22.720 --> 0:14:23.640 Support my budget. 0:14:23.760 --> 0:14:25.960 That part is really important because you ask people do 0:14:26.000 --> 0:14:26.520 you have a budget? 0:14:26.600 --> 0:14:26.840 Yes? 0:14:26.920 --> 0:14:29.960 Do you have? Is it written? Is it partially automated? 0:14:30.600 --> 0:14:31.320 Is it you know? 0:14:31.440 --> 0:14:33.600 Do you have do you have the appropriate appropriate amount 0:14:33.640 --> 0:14:34.920 of bank accounts? 0:14:34.920 --> 0:14:35.400 Okay? Sis? 0:14:35.400 --> 0:14:39.520 And you don't really fully have a budget that's sustainable, 0:14:40.000 --> 0:14:42.760 And so the book teaches you how to create this 0:14:42.960 --> 0:14:47.360 sustainable at least partially automated budget, you know, because you know, 0:14:47.760 --> 0:14:51.000 like I said, people don't really know what they don't 0:14:51.040 --> 0:14:52.840 know when it comes to like, so what should my 0:14:52.880 --> 0:14:54.720 budget really look like? So that's what you learn in 0:14:54.720 --> 0:14:56.400 the book. But I'm assuming that's what you you got 0:14:56.400 --> 0:14:57.400 to check on that you got that. 0:14:57.360 --> 0:14:59.440 I got a check, And my favorite part of my 0:14:59.480 --> 0:15:01.600 budget is see the fact that I only had to 0:15:01.600 --> 0:15:04.120 do it once and then I just automatically, Yes, like 0:15:04.160 --> 0:15:07.040 when I get my paycheck or any income, I have 0:15:07.120 --> 0:15:09.680 automatic transfers going where they need to go, so that 0:15:09.760 --> 0:15:11.640 when I look at my checking account, it's just money 0:15:11.640 --> 0:15:14.400 that I know I can spend, which is my favorite 0:15:14.400 --> 0:15:18.440 way to budget, because I don't like spreadsheets all that much. Okay, 0:15:18.440 --> 0:15:21.880 but number two noodle budget, So save like a squirrel, 0:15:21.960 --> 0:15:23.960 which I love this. I just picture a squirrel eating 0:15:23.960 --> 0:15:28.080 some ramen and it's fine. But maybe a noodle budget 0:15:28.120 --> 0:15:31.160 got a beating this year. So this past year, noodle 0:15:31.160 --> 0:15:34.520 budgets have been beat But you're very specific about saying 0:15:34.680 --> 0:15:37.840 not just saving for three months of necessary expenses I 0:15:37.880 --> 0:15:40.680 eat your noodle budget, but doing it in an online 0:15:40.680 --> 0:15:43.800 only savings account. Why online only in particular. 0:15:43.680 --> 0:15:47.520 Well because when you when your savings is next to 0:15:47.720 --> 0:15:50.800 your your regular checking at your brick and mortar bank, 0:15:50.880 --> 0:15:52.760 it's so easy to make that transfer and it makes 0:15:52.760 --> 0:15:56.480 your money too convenient that an online only savings account 0:15:56.480 --> 0:15:59.160 one you get higher interests typically, I mean, you know, 0:15:59.240 --> 0:16:01.760 we know likes are not the greatest right now for 0:16:01.840 --> 0:16:06.120 savings accounts. But most importantly, it makes your money inconvenient. 0:16:06.760 --> 0:16:10.640 If you were at Target, everybody's fave, and you're like, ooh, Target, 0:16:10.720 --> 0:16:12.360 I want this blender even though I have a blender, 0:16:12.360 --> 0:16:15.800 but this blender is a red blender, and you're like, Okay, 0:16:16.160 --> 0:16:19.720 Checking accounts assists, you know we're empty. Stop your saving, 0:16:19.800 --> 0:16:22.000 says we have money, but we're supposed to be saving 0:16:22.080 --> 0:16:26.320 for I don't know, emergencies or saving for our house. 0:16:26.880 --> 0:16:29.760 If your savings account is with your checking at the 0:16:29.760 --> 0:16:32.360 same bank, that transfer is going to take seconds. If 0:16:32.360 --> 0:16:35.440 it's at an online only bank, you're looking at minimum 0:16:35.440 --> 0:16:39.000 twenty four hours the next day, sometimes up to seventy 0:16:39.000 --> 0:16:42.120 two hours, depending if there's a holiday or whatever. So 0:16:42.600 --> 0:16:46.280 online only savings makes your money inconvenient and inconvenient money 0:16:46.280 --> 0:16:48.400 get saved absolutely. 0:16:48.480 --> 0:16:50.960 I got a check for the hunt digging out of 0:16:51.000 --> 0:16:54.000 debt number three. So you're either debt free or you 0:16:54.120 --> 0:16:57.360 have a clear picture of what and who you owe 0:16:57.440 --> 0:17:00.440 the money too. And not only that, but you've down 0:17:00.480 --> 0:17:03.000 the components of each debt like how much you oh, 0:17:03.160 --> 0:17:06.879 interest rates, I love how you the first part of 0:17:06.920 --> 0:17:09.080 this one you think, oh yeah, I'm debt free. But 0:17:09.119 --> 0:17:11.040 then you're like, that's not all I'm gonna be like, 0:17:11.200 --> 0:17:12.719 do you have a written down? Do you know this? 0:17:12.760 --> 0:17:13.239 Do you know that? 0:17:13.280 --> 0:17:16.960 And you're like, yeah, no, yes, yeah. So I've also oh, 0:17:17.000 --> 0:17:18.720 this is another one. So not just that you you 0:17:18.720 --> 0:17:20.760 know you're digging out of debt, but also you've identified 0:17:20.800 --> 0:17:25.040 and used a debt paydown plan or online bill tool 0:17:25.119 --> 0:17:28.640 through your bank to automate your payments. I did get 0:17:28.680 --> 0:17:31.439 a check for this because all I have is my mortgage. 0:17:31.720 --> 0:17:34.000 Good And so here's the thing, Like, so first time 0:17:34.080 --> 0:17:36.680 people debt free, that's great, but if you're not debt free, 0:17:36.680 --> 0:17:39.840 you still can check this soft If you have you 0:17:40.000 --> 0:17:42.280 are on, you have a plan, and I show you 0:17:42.440 --> 0:17:46.520 multiple types of plans, like you can use the the 0:17:46.560 --> 0:17:48.639 snowball method, the avalanche method. 0:17:48.640 --> 0:17:49.840 I like the mix of the two. 0:17:50.359 --> 0:17:52.480 But I even have this debt sheet in the book 0:17:52.520 --> 0:17:53.640 that I give you in the back of the book. 0:17:53.680 --> 0:17:56.640 But also the book comes with this toolkit that's available 0:17:56.680 --> 0:17:59.439 at geg gos money dot com alongside the book, and 0:17:59.520 --> 0:18:03.080 so you know, I give you the template and the 0:18:03.119 --> 0:18:06.040 resources to lay out your debt so you can see them. 0:18:06.200 --> 0:18:08.040 And as long as you have a plan to pay 0:18:08.080 --> 0:18:10.679 them off, and that plan is semi automated, then you 0:18:10.680 --> 0:18:13.679 can check this off. I don't like when it's like 0:18:13.800 --> 0:18:15.760 you can't check it off because I'm not debt free. Well, sis, 0:18:15.760 --> 0:18:19.080 I have a mortgage. I'm not not gonna check off 0:18:19.359 --> 0:18:22.560 this part because you know thirty years from now, you 0:18:22.600 --> 0:18:24.800 know that's when my mortgage will be paid off. I'm like, no, 0:18:24.840 --> 0:18:26.359 as long as you have a plan in place and 0:18:26.400 --> 0:18:28.399 a clear picture of your debt, you can check this 0:18:28.560 --> 0:18:31.119 off as yep. So now, Mandy, I see, Okay, you're 0:18:31.119 --> 0:18:34.160 at thirty percent, You've got your budget savings and your 0:18:34.280 --> 0:18:35.960 your you at least have a debt plan. 0:18:36.720 --> 0:18:40.760 Yes, and next one score high credit, so making sure 0:18:40.800 --> 0:18:43.320 you have you know where to get So you've requested 0:18:43.400 --> 0:18:45.679 and received a copy of your free FIGHTO credit report 0:18:45.800 --> 0:18:48.080 and your score which you can get a free credit 0:18:48.119 --> 0:18:50.760 score from just about anywhere these days, right, and that 0:18:50.840 --> 0:18:53.600 you have at least a seven forty Why seven forty 0:18:53.640 --> 0:18:55.560 fight Go credit score? Why is that so important? 0:18:55.920 --> 0:18:58.840 Well, seven forty is the beginning of what's called typically 0:18:59.000 --> 0:19:01.840