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personal finance podcasts Nov 21, 2022

Every Monday at 9 PM exclusively on Twitter, Tiffany hosts a Space called FinNoir: A Space for Black Money Talk. This Space features a variety of black voices in personal finance to give their perspectives, information, and thoughts on money topics that affect the black community.

This session discusses our favorite places to travel, both domestically and abroad. We also discussed if there were any issues when traveling while black at any of these locations.

Hosts: Tiffany Grant & Rahkim Sabree

Speakers: Markia Brown, Steven StackCamari Ellis, Nia Adams, Jonathan Thomas, Renita Young, Tamika HowellAnthony Weaver



Twitter Spaces Replay 11/14

[00:00:00] Intro/Outro: You know what it is? That's right. It's time to talk money. With your money nerd and financial coach. Now tighten those purse strings and open those ears. It's the Money. Talk with Tiff podcast.

[00:00:12] Tiffany Grant: Hello? Hello. Hey. Hey. How are you? Good. Congratulations on day one.

[00:00:21] Markia Brown: Thank you.

Thank you. I feel like me at HR on a first name basis

at this point.

[00:00:27] Tiffany Grant: Oh, nice.

[00:00:28] Markia Brown: I know all the personal business. Oh my God. And they was cussing in meetings. I was like, yeah, I love it here. What ? I

[00:00:36] Tiffany Grant: love it. That is funny.

That is funny. Well, I'm glad you.

[00:00:44] Markia Brown: I ain't got no choice to let the leg get at this point. I already signed the contract , but I'm still excited, like I still got the stars in my eyes, so that's a good sign.

[00:00:56] Tiffany Grant: Yeah, that's good. Definitely good. Hey,

[00:01:01] Anthony Weaver: what's going on? Can y'all hear me?

[00:01:05] Tiffany Grant: Yeah, I can

[00:01:06] Anthony Weaver: hear you. Okay. How's everybody doing? I'm driving right now, almost at home though. Hopefully everybody's having a good time tonight.

[00:01:14] Tiffany Grant: We are ready to have a little fun dream. A little

[00:01:18] Jonathan Thomas: bit. Ain't nothing wrong with dreaming. That's where it started. Right? .

[00:01:23] Tiffany Grant: Right

I'm looking forward to this conversation so I can seriously

Hey, everyone that's listening, we're gonna get started in a few minutes. We're gonna give people some time to get here.

Hey Jonathan, how are you

[00:01:42] Jonathan Thomas: outta Austin? So sorry I missed the last couple traveling, like it's not anything. But thank you and happy

[00:01:48] Tiffany Grant: to be here.

Yeah, good to hear from you. Glad you're here this week. Sorry, I'm still shuffling kids to the bed, so.

[00:02:01] Markia Brown: No, seriously, I just, just went in and checked on my kids. They gave me the puppy dog eyes. I was like, y'all got 30 more minutes and that's it.

[00:02:07] Tiffany Grant: Aw, you're so nice.

industry. Yeah. Rather

[00:02:10] Mawuli Vodi: than our opinions. .

[00:02:13] Tiffany Grant: Now you, Jonathan, we cannot hear you at all,

[00:02:17] Anthony Weaver: Jonathan. It's kinda

[00:02:18] Tiffany Grant: live over there. . We could not hear anything.

[00:02:24] Jonathan Thomas: Afro tech. I'm sorry. Yeah. Shout up to And the certifications. We need certifications,

[00:02:33] Markia Brown: especially me, y'all know I operate in the credit space so that place is ripe with frauds and charlatans.

So, these certifications really help me stick out. So, Hopefully not that many people. I can save some people from getting scanned.

[00:02:51] Tiffany Grant: Yes. Much need

[00:02:53] Jonathan Thomas: right now. Just tell 'em don't invest in fts

[00:02:56] Markia Brown: up too

[00:02:56] Tiffany Grant: soon.

But yeah, all of these currency exchanges, I've been seeing a lot of people that are in the space, like, pull your money out. So it seems like it's like a bank run right now or a exchange run .

[00:03:12] Markia Brown: Well, Beyonce say,

[00:03:13] Tiffany Grant: And I'm like, meanwhile, cause I , I retweeted a few, just put twiddle thumb because I'm like, this is why I don't invest in this type of stuff. I'm still over here chilling with my index and mutual funds

cause I don't have time. All right, so we're gonna go ahead and get started. I usually give a five minute grace period. So let's get started, do our introductions. Hopefully by that time some more us will roll in, but welcome, welcome, welcome to Finn Noir, a space for Black Money Talk. We do this every Monday at 9:00 PM and we just dive into different topics that are pertinent to our community.

So my name is Tiffany Grant and I run Money Talk with Tiff, which is a financial education platform. You can find the podcast money, talk with Tiff, and then you can find the blog at Money Talk with and Markia.

[00:04:11] Markia Brown: Hey everybody, my name is Markia. I'm known as a money plug here on social media. I am a c e or a certified financial education instructor, and I just got my RFA today.

So I'm a registered financial associate and I'm a influencer, so I post personal finance education mainly on TikTok. I'm up to about 200,000 followers and growing. So yeah, that's

[00:04:32] Tiffany Grant: me. Thank you. Thank you. And I'm gonna pop over to Ranita cuz she like hopped up on my screen so I don't wanna miss anybody.

So Ranita. Hey

[00:04:43] Renita Young: folks. I'm Ranita Young. I am a financial journalist in Chicago. Also posting content and hosting series on personal finance for my job.

[00:04:57] Tiffany Grant: Thank you. I'm looking forward to when that podcast releases . And then we have Ronnie. Hey, how's everybody

[00:05:04] Anthony Weaver: doing? My name is Ronnie Good. I'm a CPA certified public account and tax strategist.

I help business owners and entrepreneurs and investors leverage the tax code in order to build wealth online. You can follow me at Rhythm

[00:05:18] Tiffany Grant: Accounting Online. Thank you, Ronnie. And then we'll go to Anthony.


[00:05:25] Anthony Weaver: everybody? Yes. Hello everybody. My name is Anthony. I am the host of the About That Water podcast where we help you build strong financial habits. And you can follow me at at about that wallet or

[00:05:40] Tiffany Grant: about that wallet. Perfect. Perfect. And Steven Stack.

[00:05:46] Steven Stack: Hey, what's going on everybody? My name is Steven Stack.

I am a debt free millionaire. I. Help others with building wealth, using a lot of the strategies that I did to get where I'm at. And I also believe in holistic wealthbeing of just that money or wealth goes beyond what's in our bank account. So the person we're becoming and my handle is stacking with Stack everywhere, but on Twitter where it is just Steven.


[00:06:16] Tiffany Grant: Thank you. Thank you. And then we have Jonathan.

[00:06:20] Jonathan Thomas: Hey everyone, I help you build wealth as well but I specialize in helping you utilize your banking institutions to partner with you. J Time Solution, ONT tight and ig. Glad to be back.

[00:06:33] Tiffany Grant: Thank you, Jonathan and Nia. Hello, I'm

[00:06:37] Nia Adams: Mia, creator and founder of Perspectives Personal Finance Education brand. I drive down to earth money and home buying tips for women seeking financial stability. You can find me on Instagram at Money Perspectives and then on TikTok and YouTube at Mia's Perspectives.

[00:06:58] Tiffany Grant: Thank you Mia. And Mia's so cool y'all cuz she knows Spanish pretty much fluently. So she dropped a little video, her showing her skills and I was like, you go girl . And then Family Abide. Popped you up. Did you wanna do an introduction?

[00:07:14] Mawuli Vodi: Hey, how you doing everyone? My name is Robert Metzker Junior.

I am the host of Family Abide. We talk about conversations to cultivate character, just a daddy daughter podcast, to talk about generational wealth and expose kids and families.

[00:07:33] Tiffany Grant: Thank you Robert. And I heard their intro at Fcon and it's so cute. Y'all please tune into their podcast. It's so cute. All right, so today we're gonna, usually we do stuff that's pretty heavy.

We kind of dive deep into different things, but tonight we're gonna do a topic that's a little more fun just to break it up a little bit. And so we'll be talking. Travel and particularly travel on a budget. So we wanna talk about like where our favorite places were or where we want to go, what's on the bucket list, so on and so forth.

So I guess I'll go ahead and get us started and we'll be talking about national and international, cuz there's some, a lot of nice places here in the US as well. So I'll start us off. And also if you're listening and you want to be a speaker, just request it. And I'll pop you up so you can give your 2 cents.

But I will say I, this year I went to Jamaica for the first time and I know I keep talking about this, but y'all , I'm so serious. I just wanna live there for the rest of my life. So I love Jamaica because it's just it's a lot of black. And everybody is just so cool down to earth. Everybody looks out for each other from, for the most part, I stayed with the local, so I stayed with someone that actually lives there versus like an Airbnb hotel type of situation.

And I absolutely loved it. And Jamaica, I will say it can be expensive. Especially if you go to the touristy part. So like, Neri was very expensive. I mean $20 for a burger, but , some of the smaller parts weren't as bad. And so I'll just kick us off by saying Jamaica is definitely my favorite place right now internationally, and that is where I would love to live.

Would anybody like to go next?

[00:09:32] Nia Adams: So I'll go. I actually love Jamaica is always a vibe. I never will turn down a trip to Jamaica. I'm always gonna be up to go as far as my favorite destination is gonna be Belize, because I feel at home there. Pre pandemic, I probably went to Belize about four times a year. Of course, I, I, since then, I haven't gone there as much.

I've been back since, the world has opened again. But it's just, like you say, you stay with the local. I feel like staying with a local or Airbnb, you get a more authentic experience. You get more authentic food. Resorts are cool, but they, I feel like they serve you commercialized food and it don't even taste as.

[00:10:10] Tiffany Grant: Oh, interesting. I have been to Belize, but I'm like, it was on a cruise, so like you said, it wasn't like the authentic experience, so I would love to go back and experience that. So I'm glad you brought that up. Are there any tips you would have for people staying or going to believe? So

[00:10:29] Nia Adams: that depends on what type of traveler they are.

It depends on if you're a foodie, if you're adventurous, if you're looking to relax. So they have the top areas that you wanna go is they have two islands, Ocker and San Pedro. And then they have a peninsula which is called Placensia, which is great for like food, nice spots. And then I personally love to go to Hopkins, which is a village located in the southern part.

But I like to go to Hopkins because the Gua people are in Hopkins which are African descent. So they still do drumming every week. They look just like us and it's just the vibes just can't be missed. I mean, I wouldn't have a problem planning a trip for us to go cuz I go regularly. I think we should

[00:11:15] Tiffany Grant: do that.

You ain't said nothing but a word.

[00:11:19] Markia Brown: Okay. Hey, I know I like leaving my kids in here with they daddy.

[00:11:24] Tiffany Grant: I'm done. Go ahead and put in motion . Markia, did you wanna say a place?

[00:11:29] Markia Brown: Yeah. I've been to, being in the military, I got to go to a lot of really cool random places that I probably would never have chosen to go.

And one of those places was Alice Springs, Australia. If you're like an outdoorsy person, you would love it. It was flipping beautiful, like the scenery was unmatched. However, comma, I am not an outdoorsy person and they have like, in the back of my mind, all I kept thinking was like, God, they got eight out of the 10 like, deadliest animals here.

Like, why is this a place? But it was beautiful. The locals were really, really cool. They were really, really nice. Showed us around. We got, a lot of drinking cuz it was my early twenties, but it was really, it was just really cool. It gave me like a local experience. I didn't. Feel like a tourist.

I wasn't in like Sydney or Melbourne or nothing like that. So it was really cool when I got to experience a lot of the Outback. So that was really nice. And then when we were in Germany, I got the opportunity to travel a lot. Europe is really, really cheap once you get there. Like I literally, it was a $20 flight from what was that?

Was that Oberg Hamburg or Munich? I think it was Munich to like London. It was like 20 bucks to hop on a flight. Like it's so cheap to travel once you're already in Europe and it's just so much to do. Like I took my kids to like this national Tour museum in Nuremberg. They loved it and they loved black people out there.

Oh my God. Like, my we're real, we're all natural here in my household. So like my kids have puff balls and you. I got my locks and we were walking around and they were like, oh, your kids are so cute. They were buying the kids like ice cream and like snacks and like teaching 'em how to say certain things and how to count euros.

And it was just, it was like a really good family destination. Traveling around in Europe. And that was one, I think Europe is probably the only place where I didn't feel black. Like I felt welcome. My blackness wasn't on display, if that makes sense. Like, I didn't have people following me through the store when I went in there to look around.

I didn't feel like the police were watching me extra clothes or anything like that. So I, I loved Europe. I love everything about Europe.

[00:13:46] Tiffany Grant: Awesome. And see that's one place I have not gone across the big ponds yet. So I definitely have noted that down. Thank you for sharing. And Jonathan, you had your Henry.

[00:13:58] Jonathan Thomas: Yeah, I'm glad Markia actually brought that up. Me and my wife, we've been to Sydney, we've been all over in Europe. Went to several other places of Bahamas and things of that nature. But financially and just experience wise, Europe, definitely if you're gonna go someplace that's worth the money, just because once you get there, like my kids said, we went to London, we went to Venice, we went to Italy.

And you can do that within probably like 50 to 70 bucks, depending on the train and depending on where you at. But you can map that out so easily. If you do a 10 day trip, you can hit four countries comfortably and then their food and everything that they offer. It's cheap. Number one, because they have a strict no tipping policy.

But just the portion sizes and how they cook is really good. From a travel side of things one things that I always mention is, yeah, we use a credit card just for the insurance pieces. But things have changed since the pandemic. So you can change flights with no fees. You can even have more baggage with little snow fees.

But if you go internationally, one of the things that I always encourage people to do is go to your. Neighborhood, bank of America, Wells Fargo in your town and exchange your money out because you will get a cheaper rate for that. They'll take your American money, but it is just easier for you to spend if you have the currency of that place.

And a lot of people you can get that if you have a bank relationship for at a discounted rate, you still would pay, but it just, you wouldn't pay as much as a currency

[00:15:34] Mawuli Vodi: exchange.

[00:15:37] Tiffany Grant: Nice. That's good to know. And I do wanna mention, since you did bring up currency exchange it was actually in Jamaica, it was cheaper to trade it locally versus trying to change it like at the airport or when I was home.

And so I had waited until, I got the connect to the connect, no, I'm just kidding. But it was cheaper to trade it locally for Jamaica. And.

[00:16:00] Steven Stack: Hey I actually it's funny I was going to say a lot of the same things as Jonathan and Marque just about Europe. Of what I've always loved about it is how connected it is and how many different countries you can go to very easily once you are over there.

I actually went to Paris for the first time earlier this year kind of on a whim. Had some had some friends invite me to come out and celebrate them across the pond. So made a trip out of it. That was really, really fun. Parisian nights are special especially if you got good people with you.

But I guess if I were gonna say something just to do something different than Europe I would say there's a lot of beautiful places in Mexico that it's not a far flight to get there. I mean, it's literally right under us. And I think a lot of times people sleep on Mexico because it's so close.

And I do think there's some unfortunate stigmas that get put on our Mexican brothers and sisters that don't allow us to really see how beautiful of a place it is and how beautiful the people are there as well. So you don't necessarily have to go all the way across the pond to go somewhere beautiful.

Plus the time zone is fair, fairly similar depending on where you base. Like, say if you're in, central standard time, like you, you may just be in the same time zone just depending on where you're at, but. That's another one that I would throw out there that can be a lot more economical too, because you don't have to go so far to get there and just beautiful places.

Beautiful. So

[00:17:47] Tiffany Grant: I concur about Mexico. That is where I had my first beach massage and it was very, very affordable. So just throwing it out there definitely hit up the locals, as they're on the beach and, doing their services. It was awesome. One of the best massages I've ever had, and it was very affordable.

Right. So let's go to Anthony and then Ra.

[00:18:13] Anthony Weaver: Yeah, I have to say that my best experience was going to Trinidad and Tobago. I went there for Carnival. But even though I went for Carnival, like a lot of people treated me like a local mostly because I looked like them. But it was even amazing because once I realized that, they realized, once I realized I used a actual $1 bill on how quickly they can change the price, I was like, no, let me go to the bank right quick and do this exchange


[00:18:42] Mawuli Vodi: it was I had to say

[00:18:44] Anthony Weaver: The love there was amazing. I loved the camaraderie around everybody and it just felt like home. It didn't feel like you needed all this glam and everything like that. Some of the houses were shacks, some of the places, cause they live right there off the water.

And it was just cool to see how they go fishing. You can see the fish come off and they butcher it right there in front of you and you just only pay for a little US dollar conversion cause it changes on a daily basis. But, and that was one of the cool things I really loved about it. Getting going to the rainforest, actually seeing all the.

And she could say the nature and actually picking your fruit right off the trees. It was just one of the surreal experiences that I actually had just walk around with a bag and just snatch up and it was just so cool. I'll definitely love to go back if I could have a great time there. But, the things that we take for granted here that I I do have to say is like, running water inside some of the houses.

Cause I actually was able to get like a bungalow, but it's like an extra home that running water wasn't serious. They just had like a tank sitting on top of the house and they just gotta wait for the water man to come through and fill it up some water. But, I, not to say I was funky, I actually got in there and was able to use it for the time I was there.

But I have to say that outside of that experience, I really did enjoy it. The weather was nice. Not too many mosquitoes. I was able to sleep with the windows open.

[00:20:09] Camari Ellis: No problems.

[00:20:09] Tiffany Grant: Nice, nice. I am living vicariously through you with the carnival cuz I would love to go to Trini during Carnival. I know it was lit. RA Kim,

[00:20:20] Markia Brown: what

[00:20:20] Rahkim Sabree: up y'all? So like Anthony, the Caribbean has my heart. I went to the Dominican Republic twice and I went to Antigua once and as soon as I got off the plane, they're like treating me like I'm one of them.

Everybody was brown. It was a sea of brown people. They were actually asking me, where's my Dominican passport? They're like, why are you showing us your American passport? It doesn't help that I speak Spanish and similar experiences. Right? I stayed with a friend's family, so the water was running, but it wasn't like running, running like it was, like, there was a problem there at the fill, fill up a bucket to flush the toilet and.

There was no hot water, so it was cold. But the people were amazing. Everybody just wanted to chill and drink beer. And I think I had the best chicken of my life in some like, random, really sketch spot. Dominican Republic is absolutely one of my favorite places in the world, but on the other side of the ocean, I I have a really I don't wanna say love hate.

I have a love, love relationship with Barcelona, Spain, and and I tell this story very fondly. I went to Spain to escape depression. So, I was experiencing a really bad depression and I found this incredible deal online that allowed for me to fly a round. 14 days seven days in co in Barcelona, Spain, seven days in Casablanca, Morocco.

And I went out there with the sole intention of writing and what I ended up writing became my very first book. So I just went out there by myself, to this country. And it was an interesting experience of re getting to know myself. And I don't know, how many people have struggled with depression, but it can really make you feel like a stranger in your own head.

So, Barcelona will always have my heart. But there were, when I got to immigration, there were a lot of white people. And I noticed that I was being noticed. The way that they speak Spanish over there is very different than the way that they speak Spanish in the Caribbean. So they definitely kind of took note of how I was saying things.

And I definitely do wanna go back. I love the food. I think it was Jonathan who mentioned there's no tipping. So the price is the price. And it was just really chill. It was a really chill experience. If I could go back or when I do get the opportunity to go back, I definitely will take it.

But I just wanna share one negative experience in Europe. I went to Iceland and I did it for the experience, but I don't know that I will ever go back. And if I do go back, I don't know that I will stay very long because the food there was terrible. It was very expensive, it was very cold. But, I did it to check it off the

[00:23:08] Markia Brown: box.

[00:23:11] Tiffany Grant: Oh, interesting. Okay. Cause one of my finance friends, Danielle, she loves Iceland. She wrote a whole book about being black and a black woman traveling Iceland and stuff. And she loves it. And so I'm glad that she brought up that different perspective, cuz now I'm like, Hmm. . So we'll talk.

[00:23:29] Rahkim Sabree: Yeah, the food is tough.

[00:23:33] Tiffany Grant: not tough. . And then Robert, and then we go to Nia and then Jonathan.

[00:23:39] Mawuli Vodi: Yeah, I was just gonna say that both of my parents are from Africa. Sierra Leon, so I was fortunate to get a lot of traveling done early in my life. And they, my dad went to school in Russia, mom went to school in England, so got to see a lot of places.

From my own personal travel. I think the importance of building community like what we're doing here is important because it's different seeing places with somebody who's there or somebody who's local or somebody who has connections to the region than going there as a just as a straight tourist.

So I studied abroad in Oaxaca and then I went back later based off of those relationships. And Oaxaca, Mexico is we Bonita. Bear Cruz is indigenous place for black black slaves or black Mexicans where a lot of people are not really aware of. They do exist in Mexico. You can shoot off to different places in Mexico.

You gotta have a certain comfort level whenever you go someplace. So obviously if you don't speak the language, that could be a barrier. Most places are really inviting, like they really showed a lot of love. Some of these places are really big cities. I mean, Oaxaca's not, but if you go to shoot off the Mexico City or somewhere else, if you're not comfortable with that, that's always a challenge.

Some other places that are relatively cheap, they're nearby. The Bahamas are always nice. It's not, you don't really get too expensive flights over there and the con is great. Other types of food is great. And yeah, I just think making sure that you get involved or have some type of connect always helps with when

[00:25:13] Tiffany Grant: traveling.

Yes, I definitely agree. And since you bought up The Bahamas, just fyi, ladies with locks, they love us down there. Just fyi. They love ladies with locks down there. That was just my experience, but I think I said we were gonna do Nia and then Jonathan. Okay, so

[00:25:36] Nia Adams: first I wanted to kinda agree with Robert.

I do the same thing. So when I travel to different countries, I like to find out where we are and go there. So in Columbia I went to poin. I feel like you find out so much and then seeing all the similarities and comparing to different stories and then finding out the truth compared to what you had been told.

So I love to go to that part. Secondly I wanna double down on kinda what Steven said and Markia. It doesn't only apply to Europe, so whenever you're somewhere else, it's always better to travel around that location. It's always easier to hop on one of their local airlines and just travel around in that area.

You can hit more countries, especially if you're on a long flight, it makes more sense to hop around after you took that long flight all the way over there before you come back. The next thing is Carnival and tnt, the Anthony. So I go to Carnival every year, Anthony. Next year. I'm already, of course booked for next year.

Got my costume everything. But just an example. So they trying to get all the money back from not having Carnival in 2021 and 2022. So these flights are ridiculous. So it was cheaper for me to book a flight to St. Lucia for a few days before and then go to carnival ball than it was to go straight there.

So now I get two countries for cheaper than the price of one country. So things like that I always do. And check before. And then lastly, you mentioned how they love the ladies with locks In Trinidad, they love ladies with meat on their bones. So they're gonna pick a woman who's of the thicker persuasion before they pick a thinner woman in Trinidad.

[00:27:16] Tiffany Grant: Yes. Come on with the tips. and Nia, we gonna have to talk offline. Cause I didn't know you played Mo too. So anyway. And then Jonathan.

[00:27:27] Jonathan Thomas: Yeah. RA I'm so glad you mentioned Barcelona. I forgot how much I love the beach there and there was taco place and I, I'm just having nostalgia about. But the one thing that even no matter where you go, that I realize that.

America staying different is we don't, I know me and my wife, we don't typically use like rental cars or anything like that. It's a lot of typical walking cuz you can get there a lot, little bit quicker or just normal transit that's there. I know again, not to go back to Europe, but it's so easy to get on a bus for like two bucks and ride the thing so far rather than deal with the cost of a rental car.

The other thing is for those people who maybe you like the Louis Vuitton, Gucci, and all those different things. A lot of the things, like my wife has a good decent bag collection, but a lot of those things, 90% of them, I don't think we bought any bags in the us. We bought 'em all when we were traveling.

Cause you, you get number one typically about a 30, 30% price cut. And then whatever taxes you pay, you get. When you pay with your credit card there in the country, you get that refunded once you get back to the airport. Understanding the currency and like Nia just mentioned, when you're trying to travel to someplace, oftentimes look for neighboring countries around there because again, that could be your easy travel in spot and then travel too.

Those are things, and plus for me, I use Expedia and travel through and all those type of things when you're trying to manage the cost.

[00:28:56] Tiffany Grant: Perfect. Thank you Jonathan. And then Ranita.

[00:29:01] Markia Brown: Hey,

[00:29:01] Renita Young: so I wanna share just a little tiny bit about my experience in the Motherland. I lived in Kenya in Nairobi for about three months during 2009, and it was mixed. Y'all, I'm gonna just be honest now. I'm telling you all this for a reason. Please stay with me.

So the immediate. description that I got from some of our brothers and sisters over there was, she's a white girl, because to a lot of them black Americans I should not generalize, but many of us were seen as white people to the folks who were at this particular place in this particular time.

However, they asked, they started to ask me questions. I had a day where after a really long work day I was there working for a TV station on the business news show that came on twice a day. And so at the end of the day, one of those days I was there just like the first week they said, Hey, do do you Black Americans, walk around thinking that we are running barefoot in the bush?

And I said, you know what? That's a lot of the commercials that we see of Africa. And so, I learned from many of them that much of what they see, they're really in love with our American culture. Allah, Jay-Z and Beyonce bling bling. And that, that was the assumption. And I was like, Hey listen, we have slums, we have ghettos as well.

We have, a lot of different things. They may look a little bit different. But what I loved about that conversation is that it was a true cultural exchange. And I got them to understand parts of us that they did it because they only see our popular culture on television. Again, generalizing. I understand.

Much of what we see about the entire continent is, feed the children. I think maybe most of us have seen those commercials on television. Not truly knowing how rich some of the African countries are, like the two top cocoa growing regions are in Africa, that's huge.

Africa's rich in resources. And so it was good to learn about that. But also this, so something that I didn't know, like where I was Kenya, it was considered a third world country, right? Yet most people had drivers and maids house help. It was common to have house help. And so that kind of like, I was like, whoa, that's pretty interesting.

Didn't necessarily mean that the people had a whole lot of money, but that was just a standard thing in the city that I was in. And so it's just so interesting how we can learn about a country growing up in a different way and just really not know. What's really going on until we step there. And then lastly, so one, the last thing that they said to me the folks that I was talking to in the lunchroom at the end of the day, they were like, we're glad that you're here.

More of you Black Americans need to come here and experience the continent cuz we wanna see you, we wanna see you here, we want you to come back home. So hey, pick an African country and experience it one day. I would highly recommend.

[00:32:13] Tiffany Grant: Yes. Thank you for sharing that firsthand experience. I know just secondhand, I have a lot of friends from Africa some that are freshly here and they say the same things like, oh, you have a maid, you have a driver, all of those different things and it's just commonplace there.

So I'm definitely wanting to go to Africa at least somewhere in West Africa. And then also Ethiopia is on my bucket list. But I would love to just experience it firsthand because secondhand the pictures just the stories, all of that stuff, it looks and sounds amazing. So I just wanted to piggyback on that and agree wholeheartedly, at least from my secondhand experience.

And then Robert.

[00:33:02] Mawuli Vodi: Yeah. One quick thing Ranita reminded me of something Africa's like the opposite of Europe in the sense of travel, right? So, like my parents used to go to Sierra Leone like every year. A lot of times just to go from West Africa to go to East Africa, you have to go to Europe. So I can go to Sierra Leone, to Egypt, to Sierra Leone, to Kenya.

You'd have to go to Amsterdam or France and to go back to the other part of Africa. So it's very, I almost wanna say they make it hard to travel within Africa without going to Europe. I don't wanna say it's on purpose, but it is. So if you go somewhere in Africa, you probably have to stay within relatively that area or try to find travel.

Labor is cheap in Africa, so a lot of times you can get drivers to drive you somewhere. If it's driving distance, but it's very difficult to go from country to country within Africa. And then one other thing is that the challenges that we face here are, and this is when you go to a lot of countries.

So if you go like to places like developing countries in the world, sometimes we use the third country term to, and it has certain connotations or demographics. But when you go to developing countries in the world, it's interesting to see what they have and what they don't have and how they can still maintain a certain sense of happiness and how we're over here.

And that could be a sense of privilege too. And we have certain things that don't have certain things and still are not able to find some of that happiness that they have. So, traveling gives you a lot of perspective on like, wow, these people are, don't have much, and they can still find some joy in a lot of things that they're doing.

So, . Just a couple little things that I've noticed during my travels

[00:34:47] Tiffany Grant: as well. That is so true. So true. Robert. Cuz like my friends that are freshly here, I'm like, have you ever been as stressed as you are now in your entire life? ? And they're like, no. Like, America is just very stressful. It's just a whole different, I don't know, it's a whole different vibe here.

And so, even when I'm traveling and just seeing how the locals live, just carefree. And also another thing just to spend it to money. Credit and stuff is not a thing in a lot of places and so if you don't have the cash, you just don't get it. So that's like a load off right there.

So anyhow I wanna go to Nia, the Renita, and then I kind of wanna switch gears and do some national travel. I

[00:35:31] Nia Adams: just wanna say that I completely agree. Like a lot of times, like he says, we label it as third world countries, but essentially a lot of people here are miserable or because they're focused on a lot of materialistic things and me traveling and spending so much time in other countries with locals and learning so much more about them helped me become more of a minimalist here.

And that's one of the things that's actually helped me in my financial journey is not really caring as much about things being more into experiences. And that came from me traveling a lot. And that came from me spending so much time amongst others. And it really helps you see like what's really important.

I have a friend in Belize. He refuses to come to America because he's a tour guide there and he's had several people come and they're going a tour with him in a group and find out they live in the same neighborhood or find out he's had people find out they were neighbors and didn't know in each other, didn't know each other, and he thought that that was absurd.

He was like, how do you not know your neighbor? He was like, I don't wanna live somewhere with you. Your neighbor is a complete stranger. Like this is the person that lives right by you amongst you. So a lot of things that we look at, they look at it from a completely different perspective, which is very eyeopening for me.

[00:36:49] Tiffany Grant: Love that. And then ranita.

[00:36:53] Markia Brown: Full

[00:36:54] Renita Young: disclosure, I forgot about half of what I was about to say ,

[00:36:58] Markia Brown: but I will say .

[00:37:00] Nia Adams: It's like that meme.

[00:37:02] Renita Young: Do you remember? ? But I will say this though the currency exchange rates were totally in my favor and the day that, so around that time, there were normally about 70 or so Kenyan shillings to a dollar.

But when that rate

[00:37:20] Markia Brown: had

[00:37:21] Renita Young: gone in a different direction, there were like 80 Kenyan shillings or 82, I went shopping .

[00:37:26] Markia Brown: So I was able to do

[00:37:28] Renita Young: that. But, but no, it was I agree with what you guys say, a lot of times I really find it very interesting what the standard is in one country over the other.

So yeah, if I remember that other thing, I'll let you guys know.

[00:37:46] Tiffany Grant: No problem, no problem. Markia,

[00:37:50] Markia Brown: I wasn't going to say this, I was gonna say something completely different, but Nia got me thinking because, I mean, we were always a pretty simple family. But I definitely think that living in Europe really changed our mindset on what we need to be happy.

Like, social media has a way of making people think that you need, you, you have to have certain things, especially in America, like the, the average kid sees like over a hundred ads in a day. And so they trick you into thinking that you need all these high tech fancy things in order to be happy or be successful.

But we lived in a town. There's literally nothing there. It's a town called Graff Beer. And we were there for about a year and some change, and there was nothing to do there. They had like a bowling alley, a movie theater. If we really wanted to like go see stuff, we would have to like that. It, it made us get out the house.

Like it made us go travel and then like how the houses are built there, like it's not. I mean, it's, it's spacious, but it's not built for a bunch of , if that makes sense. Like, sorry Tiffany, I know it's going on the podcast , like it's built, it's not built for a bunch of extra stuff. So like, and you didn't even want it, if that makes sense.

Like all , , the, the fancy, windows to me, y'all them, them windows was like floor to ceiling windows. They were huge with all the natural light. So I didn't need all the end tables and lamps and all that stuff that I had bought from rooms to Go before we left, like unnecessary clutter.

It, it made me start living more of a minimalist lifestyle, which my kids have kind of adopted which kind of works out. But that wasn't even what I was gonna say. You was talking about switching gears to like national and I was gonna let it be known that the one place I will never, ever, ever, ever again go in life is Missouri.

Like, you could not pay me to go back to Missouri. Like that's just one place. I don't know. I don't care what nobody say. I don't care how much of a good time y'all had. Missouri was horrible. I was in the middle of nowhere. It was nothing there but a Buffalo Wild Wings and a Longhorn Steakhouse, and I was like, I was literally miserable the whole time I was there.

Like I would never go back. I would never go back.

[00:40:04] Tiffany Grant: So, cause I was gonna ask why. So is it because you didn't have anything to do or there was nothing there to do?

[00:40:10] Markia Brown: So the Army sent me to Fort Linwood when I was changing my job. So, Fort Leonard Wood Missouri has absolutely nothing in it.

Like St. Louis is like ours away. Like, like, it was nothing like Saturday, like, because I was prior service. So like, I had been in the army for a while. I wasn't just like a, a initial entry soldier. I had free time. So like after class I could go out in town if I wanted to or go do stuff, bro. When it was nothing to do, I, on Saturdays I would go watch college football at the Buffalo Wild Wings and get drunk and on Sundays I would go to the Buffalo Wild Wings and get drunk and watch.

Like, there was literally, and like we weren't allowed to have cars, so you had to catch a cab, which obviously is expensive, which kind of makes you stay even closer to base because you don't, you really don't wanna spend that kind of money on a cab. But like, man, it was just, it was just horrible. Like, and I, it takes a lot to like really make me be like, oh no, I absolutely not.

Like I will try anything twice, but I will never go back to Missouri ever.

[00:41:09] Tiffany Grant: Thank you. Thank you. And Kaari, did you have something to add?

[00:41:14] Camari Ellis: Yeah, I want, I think she should go back to Missouri and go to Kansas City. The the Negro Baseball League is wonderful. The jazz museum is right next door to it. It's awesome.

There's a lot of history in Missouri, especially in Kansas City and

[00:41:33] Jonathan Thomas: St. Louis.

[00:41:36] Markia Brown: Right. Go. If you go with me, come on Kamari. Let's go. I say

[00:41:40] Tiffany Grant: ain't number to work

we gotta do a group trip to Missouri. I will say I drove through Missouri, so that's one thing that I was gonna bring up is I feel like everyone should do like a cross country road trip at least one time in their life because the US is. And it's huge. It's big. , it's very big. You'll be driving through Arizona, New Mexico and Texas forever, just fyi.

But the US is gorgeous and there's a lot of different places that I could tell you. Like for instance, Utah, there was nothing there, but it was gorgeous. Like the, the mountains look completely different than our mountains on the east coast. And so, it just looked like big boulders and stuff.

And so it was just interesting to see, but I feel like everyone should try a cross country road trip at some point in their life. And it's not really that expensive, of course, you just gotta pay for gas and pay for your food. how I did it, I did it in a. , kinda like a built out sprinter van. So that's where I slept at

So it was just an awesome experience and I highly recommend at Kaari.

[00:42:58] Camari Ellis: So I was gonna say I

cross country, Pennsylvania to Arizona and back. We didn't make it to California, but I'd second that. It was absolutely beautiful very eye opening, a little sketchy in some places, but for the most part it was cool. It was cool. It was very great to see the Grand Canyon. Was great to see. Driving through Colorado and places in Texas and New Mexico and Arizona was also very, very great to see as well.

[00:43:31] Tiffany Grant: Yes. And I will say also like I did it by myself, which of course my family and friends were like, are you crazy ? But I went from North Carolina to California and, different routes throughout to get back, but it was, it wasn't bad. Like everybody was like, are you sure? Like, are you gonna be safe and this, that and the other.

And I didn't have any issues whatsoever. Not saying that bad things don't happen, but I will say, I didn't have any bad experiences and then everybody I ran into were nice. I usually stayed at like, the gas station so the truck stops cuz they're usually popping . So it's a lot of traffic. I never stayed at the rest stops because they start slowing down after nighttime.

But the truck stops are always busy and so I would just park right in the front where the cameras and the lights were and that's where I would sleep until it was time to get up and do it again. Use the the truck stop showers and all that good stuff. So I was pretty much living like a trucker, but it was an awesome experience.


[00:44:40] Markia Brown: Now y'all know I stay on the road. If my Odyssey will get me there, I'm gonna drive. So, I like Arizona, but they have scorpions, like we have ants. And I think that's the one thing that has always kept me from like moving to Arizona. Like I went to, I was stationed in Fort uca for Morris Cole School and it was beautiful.

And I kept saying, oh, like I can definitely see me living here, da, da da da. And they were like, one of our friends bought a house and like we're helping her move. And it was just scorpions everywhere. And y'all know, I'm from Baltimore, like wildlife is not my thing. Like, and like they had to take like an entire wall out because she had like, I don't know if you call it what kind of colony or whatever you call it, but like, they were all like in like she had an infestation.

I've never seen something like that in my life. So like, yeah, Arizona was out, but I've driven from Milwaukee, Wisconsin to Austin, Texas. And then I've also driven from Pensacola, Florida to Maryland and back. I do a lot of traveling up and down the East coast. And then I told y'all I'm moving to Cali the beginning of next year.

So we're planning on driving cars. I got a job and they're paying for me to move to

[00:45:48] Nia Adams: La ,

[00:45:49] Markia Brown: so I'm gonna take it, I'm an employee. And you would do a two check.

[00:45:54] Camari Ellis: No, that's dope. I didn't know you was gonna a job, so congratulations. You

[00:45:59] Jonathan Thomas: thank,

[00:45:59] Markia Brown: thank you. .

[00:46:02] Tiffany Grant: Kaaris like why ? Why you going California?

[00:46:07] Camari Ellis: Them California taxes ain't joke.

I got a couple and out there is a alls

[00:46:17] Jonathan Thomas: since then. I'm an employee.

[00:46:19] Tiffany Grant: Shoot. And I'm not mad at it. If I had relocation . If I had relocation payments, then I would be heading out to, but really quick, let's go over cause we only got like eight more minutes and we really didn't hit national like that. So if you all could name one place in the US that you absolutely love, where would it be?

And we'll start with Steven since he raised his hand. ,

[00:46:45] Markia Brown: I'm

[00:46:45] Steven Stack: gonna throw in Puerto Rico, definitely a sneaky good one. I enjoy every time I go,

[00:46:52] Tiffany Grant: every time. Yes. And with that, just to educate the audience too, cuz I know a lot of people don't know this, but since Puerto Rico is part of the United States, you do not need a passport to get there.

So, people that do not have a passport Puerto Rico is safe for you to go without one. So just fyi. And usually any of the territories and stuff that the US has too. So a lot of people don't know that. And like, I know for instance, we were planning a girl's trip and they were like, but we didn't, we don't have a passport.

I was like, you don't need a girl. Come on . Go ahead Steven.

[00:47:29] Steven Stack: Right. I'm just gonna throw one honorable mention. Normally I like to stick to just one on these types of things, but love Hawaii. It takes a while to get there. But very nice, very nice. Expensive, but nice.

[00:47:46] Tiffany Grant: Yeah, Hawaii, I haven't been yet and I want to go, but like you said, it's expensive.

So I'm gonna see how that fits into the budget. I think Nia had her hand up first.

[00:47:56] Nia Adams: So for nationally I love New Orleans, and that might be my inner fat child, but when I say as soon as I touch down in New Orleans, I'm right getting me a drink and some seafood. , I don't care if I gotta go back to work it, I don't care.

I'm gonna go stop by there on my way to my hotel and then go enjoy it. I wish I had some relocation. I'm trying to relocate and have somebody else pay for it. So yes, congratulations again to Markia. I'm in Chicago, so I will be meeting you all in Missouri. Because this, it is nothing for me to drive there.

I've been there a few times myself and I actually had a good time Markia. So maybe it just might have been your experience. I'm gonna have to agree with Kaari. You gotta go back again so you can see if you can have a different experience than you had before.

[00:48:54] Tiffany Grant: Yes, yes. And Jonathan?

[00:48:59] Jonathan Thomas: Yeah, I was going to concur with Steven Hawaii.

We had just recently went Honolulu I think is probably like the cheapest if you can get to California. So what I found is most people try to go to California and then they dip over to Hawaii to be a little bit more cost effective. But also I think it was n that just mentioned it. We'll all get to have a different experience next year at FinCon in New Orleans.

So, I will say those are probably the top two as far as the us. Places to go that never will disappoint. And Hawaii gives you the discount if you like that. Luxury shopping as well. They got like a statewide discount that they just

[00:49:39] Tiffany Grant: give. Hmm, interesting. I like discounts. That may be worth putting in the budget.

[00:49:48] Jonathan Thomas: and Cause it's us, they will ship to you for free too, so you don't have to travel there to get

[00:49:52] Tiffany Grant: it. You don't say . Alright Mar, then we'll go to Anthony.


[00:50:00] Markia Brown: like wine country, so I like, like, like certain parts of Virginia, Massachusetts, Connecticut, Vermont. Like, man, it's so beau like in the fall.

That's my favorite time to. And like, tore the grounds and wine tastings and eating cheese off the little coochie board thing. And like I'm telling like, oh man, it's just, I don't know, make, make you feel rich, make you feel like . I be feeling like Martha

[00:50:31] Tiffany Grant: Stewart. That's not Martha Stewart , she said the shark CCI board.

I was kidding. . And Anthony

[00:50:41] Anthony Weaver: first all, I never heard of a CCI board, but I have to look that up right quick. I'm trying not to get reflect on my is P but

[00:50:49] Steven Stack: I have to say that, be

[00:50:50] Tiffany Grant: careful.

[00:50:51] Jonathan Thomas: Be careful with that. .

[00:50:53] Markia Brown: Thank

[00:50:54] Steven Stack: Do it on your personal device, sir.

[00:50:55] Markia Brown: Okay.

[00:50:56] Steven Stack: Personal

[00:50:57] Tiffany Grant: device. All right. Make sure, there you

[00:50:59] Mawuli Vodi: go.

Thank you.

[00:51:01] Anthony Weaver: But I have to say that I really did enjoy Alaska. It was a small feel even though I'm from Baltimore, but it still gave you that city feel and you can still walk everything. So everything is right there. And I have to say, if you guys haven't had salmon from Alaska, Please go and try it out because the salmon that you get all the way over here on the East coast looks so pale in comparison, like the color pink and like the color salmon and the crayola, if you got that 24 pack or that a hundred pack

[00:51:34] Mawuli Vodi: colors,

[00:51:35] Anthony Weaver: like the salmon that they have there is exactly the same salmon that pink that you'll get when you order efficient chips.

And I have to say that I really enjoyed the food there. I enjoyed the atmosphere. It was real chill. I didn't feel like I was outta place there. And, talk about being the low, the lowest of the totem pole, you actually get to see how the totem poles would being made there. And it was pretty cool.

[00:51:58] Tiffany Grant: So

[00:51:59] Mawuli Vodi: I definitely wanna go back.

[00:52:02] Tiffany Grant: Thank you Anthony. I'm glad you brought up Alaska cuz I was going to ask after everybody went, if nobody bought up Alaska, has anybody ever bitten ? So I'm glad you brought that up. I heard that cruises to Alaska are very nice too. I've heard that they are the best cruises Now, I don't know firsthand, this is just secondhand information, but people say that cruises to Alaska are the best.

Alright, so we'll go to Nia and then Kaari and we'll probably wrap up. So

[00:52:30] Nia Adams: I actually was coming to say one that's not nationally that I wanted to see if other people had had a similar experience as me. So if you wanna take Kaari first, I'll be happy to go last.

[00:52:42] Tiffany Grant: Sure. Right. Kaari.

[00:52:45] Camari Ellis: Okay. I had a question and then I'll get my spot.

Y'all travel way more than me. I'm actually behind the the curve and I'm gonna be trying to catch up. But what do y'all think is the best time of flights con. At some point, I guess we could talk about that at some point. And my favorite place as of right now is probably Martha's Vineyard. I love Martha's Vineyard,


[00:53:09] Steven Stack: Bro. I'm literally typing that in the chat. Incredible. Martha Martha's. Oh yeah. Oh yeah. It's hard to get there.

[00:53:21] Camari Ellis: Yeah, it ain't that bad. Yeah, but that ferry

[00:53:23] Steven Stack: is rough. That's what I'm talking about. The ferry. Yeah, I

[00:53:26] Camari Ellis: know, I know .

[00:53:29] Steven Stack: Yeah. Nice Jack and deal kind real nice for black people depending on what time of year you go to.

[00:53:37] Camari Ellis: Well, listen, I've been in the summer and when Covid hit we were so cooped up. We were like, let's just get outta there. I'm like, where were, I wanted to to Charleston, cause I've been dying to Charleston. But my wife was like, no. So then I said, all right, it's vineyard. So he, the day after and it was great.

It wasn't cold. We got to see. It was, it was awesome.

[00:54:01] Steven Stack: Hit me outside. This to you a story of an Obama story and spike Lee. Story about Jack.

[00:54:10] Camari Ellis: I got, yeah,

[00:54:13] Steven Stack: we won't derail the people.

[00:54:14] Nia Adams: So. As far as to answer kind of your question, Kamari, I don't know, like things have changed. It used to be you black lights on Tuesdays, Saturdays, Saturdays, it's not really like that as much anymore.

It's kind of changed. What I normally do for myself is I set alerts, like I stock flights for a living and Google hopper and different apps, they'll alert you when the prices change and you just stay ready so you don't have to get ready. My honorable mentions were the Jose Pueblo train in Mexico.

If you haven't been and you like tequila, definitely go. And then the second one is Cuba. So I don't know if others have been to Cuba, how they felt about Cuba and like Cuba. I personally love Cuba. I

[00:55:01] Markia Brown: wanna go back again. I would love to.

[00:55:04] Nia Adams: I've been twice. So if you, when you do go, let me know. If you have questions, I'd be happy to answer.

I'm usually the planner. For all the trips that I go on, like Carnival, all of that stuff. I'm the one who planed for everybody. So whatever questions you have, just you know, hit me and I got you.

[00:55:23] Tiffany Grant: Thank you Nia. And I'm so sad because mentioning qa, I was supposed to go back in, what was it, 2020, but the former president had shut travel down whenever that was.

And it was the same year that I was supposed to go, so I had to get a refund and everything. I know it's so sad, but it's okay cuz we can go again. And you said you will plan it so I hold you to that. And we'll go to Robert and then we'll wrap up.

[00:55:49] Mawuli Vodi: Hey Kamar, this is just one quick thing. This is actually a pretty decent hack on Southwest.

Just like how Tiffany was talking about, you can follow hopper or Google Flights. Some of 'em don't follow Southwest flights, but I. Whenever a lot of the other places go on sale, Southwest would kind of go on summer to sale. What I do is I'll buy a ticket. Whenever you buy a ticket from Southwest, if it goes on sale for cheaper at any given time, you can repurchase the flight and they'll give you the difference at any time.

So you could buy for literally this last pin, con con. I traveled for $80. I repurchased the price four times before I actually went. So I purchased it, then I purchased it again and went on sale. I purchased it again and I purchased it again, and I just got the difference and then I'll use it for my next travel.

So that's how a money hack that I do as far as traveling.

[00:56:44] Camari Ellis: Thank you. Thank you. Thank you. By the way, we're probably glad to create a separate WhatsApp group just for

[00:56:49] Tiffany Grant: travel. And I'm over here. Like, we might have to do a separate space just for some travel. Hes, cause I'm like, you can't throw that in at the last minute.

And I'm like, wait a minute. I need more . But thank you Robert. So thank you everyone actually for contributing to this space. This was really fun. It was really interesting. My list of places that I wanna go has now grown. And hopefully yours has two. So for people that are new here, we have this every Monday night at 9:00 PM It's called Finn Noir, A Space for Black Money Talk.

As you can see, we talk about a variety of different things. We wanted to have a little fun tonight and, just visualize for a little bit travel vicariously through each other. So thank you so much for joining us and you all have a wonderful rest of the night.

[00:57:39] Intro/Outro: Thank you for listening, joining and being a part of the Money Talk with T Podcast this week. You can check Tip Out every Thursday for a New Money Talk podcast, but if you just can't wait until next week, you can listen to previous podcast episodes at Money Talk with or follow tiff on all social media platforms.

Add money, talk with the team. Until next time. Spend wise by spending less than you make a word to the money-wise is always sufficient.

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