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