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56 minutes | 2 days ago
Ep 255 - We Need to Talk About Digital Blackface
Happy BA Wednesday, fam. This one gets deep quick. This week we got... What is digital blackface and is it really a problem? (3:42) Tiff's going to the WHITE HOUSE (virtually)! (26:00) A great listener question about IRAs, and how many of them you can have. (33:27) A little more discussion on the question of "picking someone's brain" and how we should set those boundaries (38:20) Some Brown Boosts for Chadwick Boseman, Peloton, a listener's financial win, and a Facebook group we love (48:45) Don't forget to rate and subscribe to the show wherever you listen, and share us with your friends. Love you!Check out the links below for more:Brown Ambition Merch StoreKids Know Chadwick BosemanGet Good With Money
61 minutes | 9 days ago
Ep 254 - Girlfriends, Not Gurus
We almost called this episode "D*ve R*msey is Trash — The Sequel". We were overwhelmed by the response to last week's show. Thank you so much for the support!For more on the shady history of DR's corporation, check out this article from Religion News Service. It's worth the read, along with the full response from the DR team. But the real reason we want to talk about DR again is that last week his podcast was DETHRONED from the number one spot for financial shows on Apple Podcasts for personal finance. He was taken out by our friends Rashad Bilal and Troy Millings of Earn Your Leisure. Shine on! And after a word on the difference between finance gurus and finance girlfriends, we got to a really good listener question...(40:30) $40,000 in debt...where do I start?!Check out the links below to read more!Is Dave Ramsey’s empire the ‘best place to work in America’? Say no and you’re outFull Ramsey Solutions ResponseEarn Your Leisure PodcastDiscover Credit ScorecardGreenwood BankPre-order Tiffany's BookBrown Ambition Merch Store
75 minutes | 16 days ago
Ep 253 - The D*ve R*msey Read
Our buddy DR had some things to say about stimulus checks and student debt this week (3:11). Tiffany has some thoughts about that (7:20). And after we get done with the dragging, we got a really good question from a listener named Jane (29:25). Jane wants to leave her job to start her own business, and she's got a few questions about how to get financially ready for that. After we take a second to give her a round of applause for doing an amazing job with her finances thus far, we get to talking about how hard the life of an entrepreneur can be. Do you need to quit your job to start your business (31:10)? Is it okay to contribute a little less to your 401k (34:20).There's a lot to think about here, and Tiff gets real real about it (45:20).When you're done listening, this is the list of financial educators we want you to know about:Patrice C WashingtonJully-Alma Taveras - Investing LatinaPopcorn Finance PodcastAnna N'Jie-KonteFarnoosh TorabiJourney To LaunchCheck out the links below for more:Anna N'Jie-Konte's IG post about her former coworkerPre-Order Tiffany's book9 startling facts that show just how hard the student-debt crisis is hurting Black AmericansHome appraisal for Black couple skyrockets after white friend pretends to be homeownerThe Noodle BudgetNavipsychWho is Whitney Wolfe Herd? Bumble app founder becomes newest self-made billionaireAnd as always, don't forget to stop by the BA merch store to get some swag!
64 minutes | 23 days ago
Ep 252 - The Sun Was Meant to Shine - and So Were You
The hits just keep on coming! We had a lot of good news for you last week and we've got even more good news to share this week. You'll have to listen to find out! (3:45) We've also got a few words for you on what arrogance and humility actually are (probably not what you think) (13:20)And then as usual we're on to your questions... 31:58 - could you all give advice for the best online brokerage for beginners? 43:55 - I’m 21, about to graduate college into our pandemic economy. I have a lot of things I want to do to get my finances in order, do you have any advice on what to do, where to start, and where to get good knowledge from? Check out the links below for more:Pre-order Tiff's bookAlly InvestAOC's Instagram LiveStash Stock Trading AppTD Ameritrade's Virtual Stick MarketDouble Dutch AerobicsChinese Jump RopeAnd don't forget to hit up the BA merch store for some swag
54 minutes | a month ago
Ep 251 - I Got Promoted Without a Raise! Help!
We've got NEWS! BA has officially joined the Westwood One podcast network (5:43). We're so excited and grateful for the opportunity they're giving us to continue growing and reaching more people. A LOT happened while we were gone, so let's get into it...What in the world happened with Gamestop? What does it mean to "short" a stock? Did a reddit meme just make a whole bunch of people rich? We've got the tea. (11:44)We're sure you know about Tiffany's book by now. Its called Get Good With Money: 10 Simple Steps to Becoming Financially Whole. And now you can pre-order it! Go get it now right here: https://getgoodwithmoney.com/ (50:13)And we're back to answering your questions this week. We've got some great ones:32:29 - How does Tiffany take apple cider vinegar and why?34:09 - My job just promoted me without giving me a pay raise. They said this was the position I was meant to have all along, but I never signed anything saying that. I’m not in a position to quit right now. Help!40:08 - I have two 401ks from previous companies. Should I roll them over during the current economy, or should I leave them where they are? Also my company doesn’t have a match. Any suggestions for making the best of this?Check out the links below for more:Hedge funds and short-selling: How and why Gamestop shook the stock marketA 10-Year-Old GameStop Investor Cashed In. His Return? Over 5,000%.
39 minutes | a month ago
Ep 250 - Taking Our Democracy to Higher Heights w/Special Guest Glynda Carr
We missed y'all last week! And this week is a bit of a different show. We've talked before on the show about the amazing organization Higher Heights. They're a 501(c)(3) that is building a national civic engagement infrastructure and network to strengthen Black women’s leadership capacity. This week we're talking to one of the founders of Higher Heights, Glynda C Carr. In this interview we'll learn: (6:10) How Black women have been the architects of our democracy (8:45) Just how big a deal is it that we have Kamala Harris as our Vice President now? (19:12) What's at stake for us if we don't get more involved at the local levels? (21:15) If you want to get more involved but don't necessarily want to run for office, how do you do that? (33:28) Now that we're past the general election, how do we keep this current energy going? And more!This was an amazing conversation and we're so excited to share it with you! See you all next week!https://www.higherheightsleadershipfund.org/https://www.higherheightsforamericapac.org/
60 minutes | 2 months ago
Ep 249 - What's Your Hiring Process?
Welcome to the new year, same as the old year! Just kidding. But its been a ride these past two weeks. We're surviving though. We're doing the best we can to take care of ourselves and each other, and sometimes that's all we can do. Brown Ambition is back in business for 2021, talking about self care, career, personal finance, and empowerment. We got some great questions this week:28:53 - Tiffany mentioned taking surveys as a side hustle, did she ever have privacy concerns when doing online surveys?32:52 - I'm looking for help hiring a VA and working with brand ambassadors/influencers. How do you onboard your team? Did you have them sign an NDA and a contract? How do you pay them?Don't forget to check out the Brown Ambition merch store to get yourself some swag, and we'll see you all next week!Check the links below for more:The Earth is GhettoSmall Giants: Companies That Choose to Be Great Instead of BigContagious: Why Things Catch onThe Catalyst: How to Change Anyone's MindThe Effective Executive: The Definitive Guide to Getting the Right Things DoneLead from the Outside: How to Build Your Future and Make Real ChangeVagabonding: An Uncommon Guide to the Art of Long-Term World Travel
67 minutes | 2 months ago
2020 Rewind: Minority Mindset
This week we're bringing you a re-broadcast of our interview with Jaspreet Singh of The Minority Mindset YouTube channel. Like Tiffany, Jaspreet’s story started with him falling victim to a scam (19:27). But he didn’t let that stop him and he’s now built The Minority Mindset into a YouTube channel with over 650,000 subscribers, a popular newsletter, and more.This conversation was another highlight of our year, and we're excited to share it with you again. Keep an eye out soon for new episodes. Be well, and happy new year!
73 minutes | 2 months ago
Re-Run: Our Rich Journey
We almost made it to the end of 2020. We're done making episodes for the year, but we wanted to replay this super fun, informative and important interview with Christina and Amon from Our Rich Journey. They achieved financial independence in 8 years, and they're shared some of their secrets with us. This was one of the highlights of our year, and its definitely worth a look back. Stay happy and healthy, we'll see you in 2021!
66 minutes | 2 months ago
Ep 248 - Goodbye 2020!
Last chance y'all! Head over to the Brown Ambition merch store and use coupon code HOHOHO to get 25% off!----------------------Happy BA Wednesday y'all. It's our last episode of 2020! We're taking a look back at 2020 and talking about the good things that happened for us this year. We're also taking a look forward at 2021 and talking about what we're trying to do next year. Last but certainly not least, we're getting a new stimulus bill (2:45) soon, and we'll be telling you what is (and isn't in there).And because it's our favorite thing, we're still answering your questions this week! (35:43) I’m very unhappy in my current job. I have some money in savings and some in a 401k. Should I put my health first and quit my job now? Or should I wait until I secure something else? (41:48) I recently got a new job and lost all the sick time I had saved up. I want to start a family with my partner. I want to spend as much time with my new baby as possible. Should I spend the 6 months expenses I have saved to do that, or should I tough it out and go back to work after maternity leave? Check out these links to read more:NY Times: Congress Strikes Long-Sought Stimulus Deal to Provide $900 Billion in AidCNBC: Everything you need to know about the second round of coronavirus stimulus checksCDC Eviction Relief FormHow to volunteer to help the Georgia Senate runoffs: 12 things you can do for voter outreach right nowElle Magazine: The Journalist and the Pharma BroOvia Health AppsFollow the links below to support our sponsors:Speaking of sponsors though, you can support our sponsors here:http://rothys.com/brownambitionhttp://betterhelp.com/brownambition – Special offer for Brown Ambition listeners, get 10% off your first monthhttp://fiverr.com – Receive 10% off your first order by using our code BrownAmbition
65 minutes | 3 months ago
Ep 247 - How Can I Pay Off Debt on a Fixed Income?
Our self care journeys continue. Sometimes self care is more than a massage or your favorite cocktail. Sometimes it's therapy. Sometimes it's sitting in your car by yourself with your favorite drink. Whatever it means for you, we hope you're taking good care of yourself. The end of the pandemic is in sight, but we still have to get through the holidays and the first part of next year. It's still going to be hard, and you still deserve to be okay. In the meantime, we're going to keep bringing you money and career advice. There are some great questions this week like: (26:56) How can I pay off 20k in debt on a fixed income? (34:13) I’m 25 and I’m graduating with 2 masters degree. I received a job offer, but I’m afraid I might’ve asked for too little money. I had a great interview for a promotion with my current employer, and that might offer more money. I’m stressed out over what to do! As you finish up your holiday shopping, don't forget: You can save 25% at our merch store by using the coupon code HOHOHO. Good through the end of December! In this year especially, its great to support local and small businesses. One of our favorites right now is The Butter Bar skincare (not a sponsor, we just love them). Either way, do your best to shop local and support small businesses. We want to see them survive this pandemic!Speaking of sponsors though, you can support our sponsors here:http://rothys.com/brownambitionhttp://betterhelp.com/brownambition – Special offer for Brown Ambition listeners, get 10% off your first monthhttp://fiverr.com – Receive 10% off your first order by using our code BrownAmbitionCheck out the links below for more:Neal Katyal on IGCardi B's 88k purseNaviPsychThe Debt SnowballSandy Smith - Yes, I am CheapMagnify Money - When You Should Consider Bankruptcy and How to File
56 minutes | 3 months ago
Ep 246 - A New Season of Self Care
It's the holiday season, but its the season for other things too. It's always a good time to look at the things in our lives that seem little (that achey-but-not-too-bad arm?) but might turn into something big. Why not take care of it before it gets out of control? Whether its your money or some other thing in life, you're worth it. It's time to start acting like it!We got some great questions from you this week: (23:44) - How do I get better odds of getting a balance transfer credit card that will cover the full amount of my debt? (28:23) - I have 40,000 dollars in savings and I’m not sure what to do with it. Is there a better place than my savings account? Don't forget the whole month of December you can get a 25% discount at our merch store with coupon code HOHOHO!Check out the links below for more reading:The Catalyst: How to Change Anyone's Mind by Jonah BergerContagious: Why Things Catch On by Jonah BergerFSA StoreThe Noodle BudgetMagnify Money's List of the Best High Yield Savings AccountsWhat is Clubhouse?Black Millennials fueled a surprising 2020 home-buying surge for African Americans@VisionPoet on IG
54 minutes | 3 months ago
Ep 245 - Is It Time to Invest My Extra Savings?
HOHOHO the gift giving season is upon us! And for the Brown Ambition fan in your life (including you!) we're offering a 25% across our merch store at brownambitionstore.com. Use promo code HOHOHO to get your discount!_______________________________We made it past Thanksgiving! We got our Zoom on and did what we could to spend time with our families and stay safe. We're trying to finish this holiday season safe and get ready for this vaccine that will hopefully be coming soon. In the meantime we're so excited to hear that a lot of you are taking charge of your mental health by reaching out to our friend Stephanie over at NaviPsych (not a sponsor, we just love her) or otherwise getting into therapy, and we want to send our love to all of you. Wishing you the happiest of holiday seasons!We've got some great questions this week like: (21:20) - I have 10k saved for my wedding, but I don’t think we’ll get married for awhile, where should I store this money? (28:50) - Neither of my parents have life insurance or health insurance, and they don’t have any money set aside for retirement. I’m probably going to end up responsible for their care when they can’t work anymore. How can I convince them to start saving? Check out the links below for further reading:NaviPsychThe Catalyst: How To Change Anyone's MindPolicyGeniusQuote Wizard
52 minutes | 3 months ago
Ep 244 - How Can I Avoid Being The Victim of a Racist Appraiser?
And just like that it's time for all the holidays! We've got Thanksgiving, Christmas, Hannukah, Kwanzaa, and even birthday celebrations to plan. Like everything else this year, Covid is making it way too complicated (seems like there are vaccines on the way though! (9:35). We're making it work thought like we ALWAYS do. So whatever you're doing this season, please stay happy, safe, and spend some time with people you love. Safely!We've got some great questions from you all this week like: (19:50) How can I make sure I’m not the victim of a racist appraiser? (28:11) What’s your perspective on taking some money out of a savings account and putting it towards stocks or an ETF? (30:47) I have $1,000 left on my car note, I have a o% interest credit card balance transfer at $10,000, and $6,000 on a high interest credit card. I’ve been focusing more on paying down debt during the pandemic. My car loan will be paid off in December and I’m wondering how best to allocate those funds. Should I pay down more debt or save? Check out these links for more: Covid-19 Vaccine Updates NYT: Black Homeowners Face Discrimination in AppraisalsThe Noodle BudgetAnd check out these links to support our sponsors:http://rothys.com/brownambitionhttp://betterhelp.com/brownambition – Special offer for Brown Ambition listeners, get 10% off your first monthhttp://fiverr.com – Receive 10% off your first order by using our code BrownAmbitionDon’t forget about our new merch store. Use the promo code BROWNAMBITION15 to get 15% off your BA swag at https://brownambitionstore.com/
48 minutes | 4 months ago
Ep 243 - Can I Save When It Doesn't Seem Like There's Enough?
We're still out of breath from the election, but we are breathing a little easier. But Covid-19 is on the rise again and the holidays are coming up. It's going to be a hard year for family gatherings (or lack thereof). We hope you stay safe and give yourself some time off if you can. But we still need to find time to celebrate the good things. And one super good thing we can celebrate is Tiff released the cover for her book, Get Good With Money (2:15)! The book is coming in March 2021. But in the meantime you take the financial wholeness quiz to see how close you are to being financially whole. We've got some great questions for you this week like: (25:00) I’m just having a lot of trouble saving money. Is it actually possible for me to save money when there just doesn’t seem to be enough? (31:20) I own a home that’s in need of a LOT of work. I took a home equity loan for the repairs. I haven’t spent the money yet because of the pandemic. Should I hold onto that money or go ahead with the repairs? Check out these links for more info:BA Episode with Christina and Amon from Our Rich JourneyOur Rich JourneyOur Rich Journey JrWhat's a Home Equity Loan?Pixel LabCorp Covid-19 TestNeal Katyal on IGStay Tuned with Preet Podcast
79 minutes | 4 months ago
Ep 242 - Black Magic Everywhere
It's over! And we're breathing, at least a little. We made it y'all. It's been along four years, but Black folks (Black women specifically) pulled through and helped take this thing over the top for us. We hope wherever you are, you're able to relax and release some tension. But work is NOT over! There are two really important runoff elections happening in Georgia (16:20). These elections will help determine control of the Senate, and that could make a HUGE difference for what the next two years (at least) look like. Here's a great article describing how you can help even if you don't live in Georgia. Let's WORK.And we've got some great questions from you guys this week too: (38:54) I’ve got 40k in the stock market, should I pull some of that money out for a down payment on a house? (46:28) Yesterday I was fired from my new job. I experienced so much hate from the white women in the office, I think because of the election. Do you know anywhere I can go work and feel safe as a black woman? For further reading, check out:https://www.navipsych.com/https://www.higherheightsleadershipfund.org/https://sheshouldlead.com/https://therapyforblackgirls.com/-----------------------------------------------------------------Don’t forget about our new merch store. Use the promo code BROWNAMBITION15 to get 15% off your BA swag at https://brownambitionstore.com/And please support our sponsors:http://rothys.com/brownambitionhttp://betterhelp.com/brownambition – Special offer for Brown Ambition listeners, get 10% off your first monthhttp://fiverr.com – Receive 10% off your first order by using our code BrownAmbition
54 minutes | 4 months ago
Ep 241 - Trouble Don't Last Always
Election day is over. All that's left is for us to send some love to our future selves and hope things haven't gotten too wild. We're trying to focus on what's good. Like the fact that 115 BIPOC women are running for election this year! (8:47). And at least we know where people stand. It's no longer impolite to talk politics, and honestly we're here for that. Regardless of what happens in the election, let's take a minute to breathe, then get ready to get back to work. Because there's much more to do.In the meantime, we're here to answer your money questions! This week we'll talk about: (20:57) I have about $4,300 of credit card debt between two cards with high interest. Is it a good idea to get a personal loan with a lower interest rate to consolidate that debt? (26:20) - I own 4 timeshares, but now I realize they’re a waste of money. Do you have any good advice for how I can get out of them? To learn more, check out these links:Options To Get Out of Your TimeshareThe Master InvestorFarnooshGreenwood BankMagnify Money's list of Black Owned BanksTela HolcombHigher Heights Leadership Fund---------------------------------------------Don’t forget about our new merch store. Use the promo code BROWNAMBITION15 to get 15% off your BA swag at https://brownambitionstore.com/And please support our sponsors:http://rothys.com/brownambitionhttp://betterhelp.com/brownambition – Special offer for Brown Ambition listeners, get 10% off your first monthhttp://fiverr.com – Receive 10% off your first order by using our code BrownAmbition
78 minutes | 4 months ago
Ep 240 - Put Your Money Mask On
The Election is coming up y'all (and no we're not going to stop talking about it). Do you have a plan to vote? Do you have a plan B? Check out iwillvote.com to make sure you're registered, find ballot drop off locations, and get all the voting information you need. Let's DO this.And not to flex, but Tiff was on Good Morning America last week (1:00:38). Its a great segment where she gets to share her story, some basic budgeting tips, and celebrate the HUGE positive impact she's had for Black and Brown women all over the country. Check it out here.The questions we cover this week are pretty great too. We'll cover: (32:36) - what’s the best retirement account for someone who’s only a few years away from retirement? (41:20) - Because of covid, I’ve gotten generous refunds on stipends from my school, what should I do with this extra money sitting in my savings? To read and learn more, check out the links below:The Noodle BudgetRoth IRAsHigher Heights Leadership Fund
56 minutes | 4 months ago
Ep 239 - Ownership = Wealth
Before we begin this week, we need to have word about knowing what you're worth. Its Covid and times are tough, but some people (big companies) are acting wild trying to take advantage of people. Also you'll remember awhile back, a listener wrote in asking about draining her 401k to pay off her debt. The BA fam cam through and someone offered to buy a grocery card for her (25:40). Y'all are amazing. Then it's on to your questions. This week we've got: (28:22) I’m shopping for a home, I’m trying to decide if I should take on a renovation project. How do you find a good Reno team that will do a good job and not take advantage of you? (38:12) Is a 529 plan a good way to save for college for my 2 year old granddaughter? (read more about 529's here) Don’t forget about our new merch store. Use the promo code BROWNAMBITION15 to get 15% off your BA swag at https://brownambitionstore.com/And please support our sponsors:http://rothys.com/brownambitionhttp://betterhelp.com/brownambition – Special offer for Brown Ambition listeners, get 10% off your first monthhttp://fiverr.com – Receive 10% off your first order by using our code BrownAmbition
52 minutes | 5 months ago
Ep 238 - Is it Time to Get a Financial Advisor?
Election time is approaching (and we're not going to shut up about it)! Are you registered? Do you have a plan? Do you have a plan B? Let's DO THIS. If there was a time to be extra, that time is now. Talk to your family and friends and do everything you can so we might be able to breathe some sigh of relief in a month or so.Aaaaaaanyway...We're back to answer your questions this week, and we got some juicy ones like: (19:00) My husband are looking to be first time homebuyers and we have some different ideas about how to get educated, is there a such thing as a home buying adviser? (27:40) My husband wants to invest our emergency fund, but I want to keep it liquid, what's the best thing to do? Also check out this essay that mentions Brown Ambition!And don’t forget about our new merch store. Use the promo code BROWNAMBITION15 to get 15% off your BA swag at https://brownambitionstore.com/And please support our sponsors:http://rothys.com/brownambitionhttp://betterhelp.com/brownambition – Special offer for Brown Ambition listeners, get 10% off your first monthhttp://fiverr.com – Receive 10% off your first order by using our code BrownAmbitionAnd for more info on the SARS Police in Nigeria, you can read up on them here
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