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I've always struggled with how to price my services as an entrepreneur.  Our guest, Amelia Roberts, breaks down how she helps people discover their value.  We discussed being in the market as African-American females and making sure you create circles of influence to reach your goals.  Also, we talk about how to use research to your advantage when asking for a raise or a promotion.

About Our Guest 
Amelia Roberts is a digital native who officially became a practitioner of online marketing twelve years ago with a role as a virtual assistant. One thing lead to another and now alongside other hats, she works as a visibility expert and digital marketing consultant.  

In this role, Amelia helps under-recognized professionals become thought leaders by skipping the maddening Facebook Ads, sales funnels, and algorithm changes and go straight for online collaborative partners such as podcast hosts, bloggers, and who already have the “know, like, and...

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Uncategorized Sep 11, 2019


Consumer debt is any debt used to purchase goods that are consumable and do not appreciate in value.

Why It's Important

This type of debt includes credit cards, payday loans, and the like. They generally have higher interest rates than secured debt (i.e. home loan or car loan) because it poses more risk to the creditor. If you default on consumer debt, the creditor is unable to take away anything that you bought with it. 

Also, it is important to note that consumer debt is not incurred by businesses or the government only individuals. So how much consumer debt are we in as Americans? Brace yourself! In June 2019, U.S. consumer debt was a whopping $4.1 trillion! That's crazy! Remember, that doesn't include houses or cars. We are in trouble!

If you are facing consumer debt issues do get some counseling, it really helps put you in the right direction

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Enjoy this mini-episode about the baby emergency fund while Tiffany attends FinCon 2019!  Emergency funds are so important to protect you from a detrimental financial crisis.  Tiffany uses Ally Savings to house her emergency fund to take advantage of their higher-than-average interest rates.  

Do you have an emergency fund?  What are you waiting for?  Let's get it done!


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Uncategorized Sep 04, 2019


Term life insurance provides coverage for a certain amount of time, typically between 5 and 30 years (Not your whole Life as the name states) . If you die within the term, the life insurance will pay out the death benefit.

Why It's Important

I love term life insurance because it is generally cheaper than whole life insurance and covers me for a significant period of time. Life insurance, in general, is important and should be part of most people's financial wellness plan. Life insurance is specifically important when you have a family and/or kids that depend on your income. 

As a single mom, I have two term life insurance policies. One is a 25-year term and one is a 30-year term. I prefer term life insurance because the premiums are cheaper than whole life and I figure by the time I am in my 50s, no one will be depending on my money. My kids will be grown and out the house, I will be debt free, and all I would have to cover are my burial costs which average about $10,000...

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Uncategorized Sep 03, 2019


FinCon starts tomorrow, but this post has nothing to do with money! Yesterday, I spent the day cherishing my loved ones, especially my son, because I know I am going to be away for a little bit. I only had one son yesterday, so it gave me time to provide one on one attention and affection. I am always working and hustling, and the good part is my kids see that. Also, the bad part is my kids see that.  I need to slow down just a tad and find balance.  My oldest has started thinking of his own business ideas. He wants to own a restaurant (for now), and I encourage that. I remember when I was his age, I too wanted to own a restaurant. I was told that being a chef was a man's occupation and that a woman wouldn't make it to the top. Yes, this is what I was told by a very close family member.

Still, I never gave up on that dream. I applied and got accepted into Johnson & Wales, a prestigious culinary school. But, those dreams were derailed when I found out I was pregnant...

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debt podcast Aug 29, 2019

Join Tiffany as she has a money talk with Rita Bautista, host and creator of the Empowerment & All That podcast!  We discuss how she was able to pay off $15,000 in credit card debt in less than a year!  She drops some real gems so definitely take a listen.

Be sure to subscribe and rate this podcast on your favorite platform!  This helps more people find us.

About our guest:
Rita Bautista is a Latina Host & Creator of Empowerment & All That Podcast. The podcast was created as a direct result of years of Rita’s own personal development. She launched the podcast for women that deliver motivational tips and empowering stories from women with diverse backgrounds. Her hope is that these stories and tips will one day will reach women all around the world.

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Uncategorized Aug 28, 2019


An inverted yield curve (negative yield curve) will slope down to the right to show that the yield is higher for short-term maturities than for longer maturities.


Why It's Important?

You may have heard all of the talk about the inverted yield curve and an upcoming recession. An inverted yield curve typically occurs when the Federal Reserve has raised short-term interest rates to restrain inflation and to cool down an overstimulated economy. Therefore, people have associated the inverted yield curve with a peak in the business cycle and since the peak has been reached, there is no where left to go but down. This is why it is commonly used to predict an upcoming recession.

To put the talks about a recession in perspective, here is a graph of all the past recessions and their relations to the inverted yield curve:


As you can see, there were times when an inverted yield curve did not signal a recession so, only time will tell if we are currently in one! My best piece of advice...

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Uncategorized Aug 27, 2019


As the kids go back to school this week, I wanted to take a moment to reflect on the many lessons I learned this summer. It was both challenging and cleansing. The message that I write my story and control my surroundings has never been more apparent! Here is what happened:


The Lowlights

  1. Braces - My gosh those things are expensive! It was time for my oldest son to get his braces at the beginning of the summer. If you follow me on social media, you may have seen me talk about the braces before as I had known about it since the beginning of the year. I was prepared to cover my portion of the expense since his dad said he would cover half. Well, the day before the appointment, his dad said he is no longer working so he can't help. Frustrating! So, I had to figure out how to make a way for my son to get the care he needed. I talk about it in Episode 4 of my podcast.
  2. No Child Support - Of course, since my oldest son's dad wasn't working anymore, he could no longer pay his...
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podcast taxes Aug 22, 2019

Do you know why taxes are coming out of your check every pay period?  How do they calculate it?  What is it used for?  Join Tiffany as she answers these questions and more!  This episode was a listener request!  To submit a question: join our Facebook group or fill out the form on the website and it could be featured on a future episode!
Be sure to subscribe and rate this podcast on your favorite platform!  This helps more people find us.


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Uncategorized Aug 21, 2019


The ask price is the price at which a dealer of a particular security is willing to sell the security to interested investors. A bid price is the price at which a dealer in a particular security is willing to purchase the security from investors.

Why It's Important

The New York Stock Exchange (NYSE) is an auction market. Sellers are naming ask prices and buyers are naming bid prices. So, for instance, look at it like a flea market. Apple (AAPL) has a table and you approach because you are interested in purchasing a piece of their table. AAPL says I think this piece of table is worth $10.00 (ask price). You say it's a mighty fine table but I think a piece is worth $9.50 (bid price). Let's say for illustration purposes that AAPL says ok, I will take your $9.50. Here is a piece of the table and the transaction is done. Another person, just saw that you got a piece of their table at $9.50 and comes over to purchase as well. The negotiation process starts all over. This is what...

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