Let's Talk Money

Money is emotional!  Tiffany has talked about this time  and time again on the blog and podcast but this time she brings on YeSeul Kim to give a different perspective.  They drop so many gems on how they got past their financial trauma and how they handle money in their marriages.  How is your relationship with money?

About Our Guest

YeSeul is a business executive turned storyteller who loves hunting for the unexpected. When she is not recording podcasts, YeSeul is working on her book Business Love: Your MBA to Relationships and photo journalism project Humans of Treviso.

Follow her on Instagram: https://www.instagram.com/serendpitystories.podcast

Follow her on Facebook: https://www.facebook.com/serendipitystoriespodcast

Links

Humans of Treviso Project: https://www.instagram.com/genteditreviso/

Connect with Tiffany on Social Media

Facebook: Money Talk With Tiff
Twitter: @moneytalkwitht
Instagram: @moneytalkwitht
LinkedIn: Tiffany Grant
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To manage your finances, a sound, effective and thorough, understanding of finance, we call financial literacy is crucial. People should know how to manage their debts and save money. African Americans play a vital role in the economic establishment of the United States, but in comparison to their white counterparts, they still lag in financial wellness. Financial literacy is one of the main reasons behind this complex gap. Financial literacy and financial wellness are tightly intertwined, especially in African Americans.

One of the latest studies on the Personal Finance Index (P-Fin Index) conducted by GFLEC and TIAA institute provides new insights on Black financial literacy. 

There are eight areas on which P-Fin Index study is based: 

• Earning
• Consuming
• Insuring
• Saving
• Investing
• Borrowing 
• Managing debt
• Comprehending risk and uncertainty 

Key Insights:

• Only 38% of the answers were correct by African Americans compared to 55% of white people.

• Their best...

According to the Oxford Dictionary, Resilience is "the capacity to recover quickly from difficulties; toughness."  I have been reticent on my blog as life has taken a tailspin.  Between the coronavirus pandemic, protesting to prove MY LIFE MATTERS, getting married, taking a securities test (not once but twice) and failing, being thrown into homeschooling my kids, completely revamping everything behind the scenes of my business, wondering if I am still going to make my goal of being debt-free (except real estate) by 30, not being able to flex my extrovert muscles, life has taken an interesting turn.

You would think that all of these things individually would be depressing (other than getting married), not to mention them all happening in the course of a few months, BUT the opposite effect has occurred.  Today, I feel energized!  I feel empowered!  I feel ready to accomplish things that I have been wanting to achieve (blog post anyone?)  How does this...

 In this special episode, Tiffany sits down with Eugenie George as they discuss the current events and what needs to happen next in the black community.

About Our Guest

Eugenie George, MBA, CFEI is a financial educator, author, and founder and host of Money and Flow, a podcast to help with listeners with finance questions. She is also a keynote speaker on equity and Millennial money engagement in the workplace. As a former teacher, she brings excitement to the stage with engaging stories and data that can help multigenerational bridge together the Millennial gap.

Eugenie ( u-jin-nay) uses her over 10+ plus years’ experience in tech, education, and finances to lead high- achieving women and women of color understand their money habits. Eugenie uses non-traditional ways of understanding business and personal goals because no taught anyone the true skills of money. A master at mindset through Eugenie teaches and coaches a wide range of individuals and her genius has created...

Join Tiffany as she sits down with Adrian Quarles, one of her Lyft passengers, who overcame homelessness and mental health issues to pursue the arts.  He has directed, produced, wrote, and acted in many artistic endeavors.  He drops so many gems and words of encouragement for those that may be in a place he once was.

About Our Guest

Adrian Dion Quarles is an Artist of multiple platforms from Shelby, NC. He has acted in 38 plays, including TIME which he wrote, produced, directed, and acted in September, 2019. He has also released three hip hop mixtapes and is an educator for Guilford County Schools. He's currently the host and creator of ADQ'S RENAISSANCE podcast in which he aims to connect all black artists of all platforms.

Check out a new "virtual" event he has coming up:

Have you heard of storytelling marketing? Join Tiffany as she sits down with branding mastermind, Octavia Harris.  They discuss everything from life as an entrepreneur to core values to the power of telling your story to grow your business. Be ready to catch these gems!

About Our Guest

Octavia Harris is the CEO of Crãv Life Consulting, LLC and is an International Branding & Marketing Strategist. She is also an Empowerment Speaker and Corporate Trainer located in the Greensboro, NC area. She specializes in business to business content branding & marketing that assists women entrepreneurs in monetizing. She does this by building their brand with storytelling marketing. She teaches women that through their life story, they can turn their “Mess” into their “Message.” Transitioning her clients into leaders of their field through branding, social media marketing, and strategizing to monetize projects.

Follow her on Twitter: ...

Do you have a fixed or growth mindset?  Tiffany and Teddi discuss the differences and how to use your mindset at the negotiation table.  They both drop gems on how to successfully negotiate that new job, raise, or even just benefits.  Be sure to have a pen and paper ready!

About Our Guest
Teddi Rene’ is an expert in creating strategic and efficient systems to achieve personal and business goals. Specializing in goal planning and management Teddi Rene’ has helped 100s of business owners, entrepreneurs, bloggers, family, and friends do the things that they say they want to do.

Combining her years of expertise in Behavior Modification, Systems Engineering, and Strategic Planning with her desire to affect change, Teddi had dedicated her life to helping Black women utilize best practices to achieve their career goals, eliminate procrastination, and master their mindset.

She is the Founder and CEO of United Kweendom, a community that matches Black women with...

Definition 
The FIRE movement is a school of thought where you aim to become debt-free (financially independent) and retire as early as possible, typically before age 35. 

Why It's Important
The FIRE movement is a trendy movement in the financial blog and influencer circles because who doesn't want to become debt-free and not HAVE to work?! I capitalized HAVE because the movement is not saying to sit around and wait to die. It just makes it so you don't have to rely on worrying about money and can do more fulfilling work. The motivation behind the movement came from Americans being able to live longer than before, the inaccessibility of pensions from jobs, and the shorter job tenure. 

Last year, I read "Your Money or Your Life" by Vicki Robin, one of the pioneers of the modern FIRE movement. She makes the argument that every moment in your life is worth money, and jobs are more expensive than what meets the eye. She urges people to track every expense even down to the...

Definition 
Philanthropy is the desire to promote the welfare of others, typically in the form of monetary gifts and donations.

Why It's Important
Yesterday was Giving Tuesday! If you don't know what that is, it is a national holiday the Tuesday after Thanksgiving to promote giving back to the community. Thanksgiving is typically enjoyed with families and friends eating until your heart is content. Black Friday is usually spent spending (see what I did there) until your heart is content. Now, it is time to give until your heart is content! 

I want to stress the importance of making sure you give back to your community. But, giving doesn't always have to be monetary (money). You can give time, skills, ideas, etc. Even though I don't have a lot of money to spend, I consider myself very philanthropic. I donate a lot of time to causes and initiatives that I am passionate about. The exciting thing is what you give out comes back tenfold in many cases. Not having money is not an...

In this episode, Tiffany interviews two guests!  Krista Goodrich and Grace Everitt talk about the tough topic of divorce.  Find out how these two ladies made it through some financially nasty divorces and strategies they had to apply to get their financial life back on track.

About our Guests
Krista Goodrich lives in Daytona Beach, Florida with her husband, Colin, and their dogs. She is momma to her daughter, Kiki (name changed to protect privacy), who is currently in college for hospitality. A lifelong serial entrepreneur, Krista continues to invest in real estate and companies, always looking for new opportunities. She currently owns or is partner in 17 companies including real estate investment companies, art studios, a bar and a tourist experience company. She loves presenting at corporate conferences and for women’s groups, and actively participates in organizations that help and empower women. As a community activist, Krista is involved in her local government...