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Have you ever taken the time to track where your money is going each day? Keeping an eye on this is SO important if you want to grow your wealth. In today’s episode, I’m sharing three tips for determining what your income is and where it’s going. This will be the last episode for the next month or so while I settle into my new job, grad school, and celebrate my BIRTHDAY! While the podcast goes on a brief hiatus, be sure to listen back to old episodes of the show, take some notes, and follow along with me on Instagram @idontdobudgets! SPONSORED BY Financial Freedom Money Tracker https://www.idontdobudgets.com/shop/the-financial-freedom-plan-workbook Code: IDONTDOBUDGETS Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com Website: www.idontdobudgets.com Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

For real, grab your notebooks for this one!!! Maya and Raniesha of VendHER and Compass are two Black women who use their 9-5 jobs to fund their "5-9” passions. Both of the platforms they’ve created encourages Black women to participate in creative forms of investing. Maya and Raniesha invest in the vending machine business and are also real estate investors. They teach people how to start and scale their vending business and they also guide Black women who are first-generation homebuyers through the home buying process. This is done through their consulting services, group economics, and Black wealth empowerment.  WHEW! That interview was FIRE-YERRR. Please tell me that you’re going to start looking up vending machines after this!? If so -- or if you had any other major breakthroughs while listening, be sure to tag me and @_Vendher and let us know your what your biggest takeaways were! Sponsored by: Grasshopper http://www.trygrasshopper.com/iddb  Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  VendHER IG: @_Vendher Compass IG: @compasspg I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

Have you ever thought about getting into the trucking business? If not, you just may be interested after hearing how Ericka Williams got started! Ericka took money she earned from service-based businesses and working as an apartment manager to invest in real estate and trucking. She now manages 1.9 million dollars in assets via over 12 semi trucks, 9 rental properties, and working on a new project called Texas Ground Zero. My biggest takeaway was having data and systems in place to ensure that your business is always ready for ANYTHING, whether that’s applying for a loan, seeing where your expenses are, how profitable you are and so much more. What was your takeaway? Tag me and Ericka on social media and let us know! Sponsored by: Grasshopper http://www.trygrasshopper.com/iddb  Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  Ericka Williams IG: @erickasclassyclimb The Classy Climb Website: classyscl.com I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

Cinneah El Amin is the founder of flynanced.com - a blog at the intersection of financial freedom and travel. As a seasoned traveler to nearly 30 countries across 6 continents, Cinneah created Flynanced™ to inspire readers to achieve financial freedom and see the world on their terms. She documents how to plan, save, and strategize for travel without accruing unnecessary debt. She's on a personal mission to pay off $23,000 in debt this year while cash flowing her vacations to 5 new countries. Through Flynanced, she shows readers that it is possible to travel whether you have bills, debt, or other expenses. Cinneah was an AMAZING guest! I left this interview with pages of notes and am feeling inspired to travel a ton more once we’re able to. Tag me and Cinneah on Instagram with your top 3 takeaways and let us know your favorite travel hacks we talked about today were!  Sponsored By: Audible Use my link audibletrack.com/iddb to get three FREE books with Audible. You're already listening to a podcast, why not listen to a book after this episode!?  Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  Flynanced IG: @fly.nanced Fylnanced Website: https://flynanced.com/ Email Cinneah: contact@flynanced.com I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

Ashley Copeland is the twenty-something host of Stacks and the City, the podcast dedicated to showing women how to build wealth and increase their net worth. Raised by a single mother in rural North Carolina, Ashley learned early about how money can affect your way of life. She opened her first investment account at age 21 and purchased her first investment home at 24. As a result of her work, Ashley amassed a six-figure net worth without ever earning a six-figure salary!   This episode with Ashley is SO good. I love the way she breaks down the difference between salary and net worth. My biggest takeaway from this episode is that it doesn’t matter how much money you make - you can still build wealth! Let us know what YOUR biggest takeaway was by tagging us both on Instagram. Sponsored By: Avail Property Management System. Manage your rental properties from start to finish! Use my link to sign up for FREE. https://bit.ly/IDDBAvail  Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  Ashley Copeland IG: @stacksnthecity Stacks and the City Website: http://stacksandthecity.co/  I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

Ree Farrington is the owner and inventor of the natural hair styling tool called The Coil Brush. As a wife and mother of three that wears multiple hats on a daily basis, adding inventor and entrepreneur to the list was an unexpected surprise. In less than a year's time and with no background in engineering, she turned a silly idea into a top-selling product. It was so great talking to Ree about launching a new product line from the ground up! I learned so much about product development and even where to look for legal resources online. I know you’ll learn a lot too, so be sure to tag us with your top takeaways from this episode! Sponsored by: Grasshopper http://www.trygrasshopper.com/iddb  Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  TheCoilBrush IG: @thecoilbrush The Coil Brush Website: https://thecoilbrush.com/ I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

On today’s episode, I am talking about being laid off, applying for unemployment, getting a new job, wanting to go to therapy, and rental updates. In this episode I am very transparent about what’s going on with my money, being laid off for the first time, how I was too prideful to apply to unemployment and what made me finally apply.  Honestly, I didn't want to talk about a lot of these things but I wanted to show that even when you think people have it all together... sometimes they don't and it's okay! That’s life and life happens. Sometimes you have to put your pride aside and ask for help. Money has so many emotions tied to it and it’s okay to feel the feels. We got this!  SPONSORED BY: Today's show is brought to you by Audible – get a free audiobook + 2 Audible Original books (3 Free books) using my link http://audibletrack.com/iddb Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week I Don’t Do Budgets IG: @idontdobudgets  Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB  

Our guest for this episode, Cora Miller, is a perfect example of using the times to your advantage. When looking for a natural hair care product for her young son, Cora couldn't find anything that catered to young Black and brown boys. So she made her own! Shortly after that experience, she founded Young King Hair Care. In this episode, she talks about the manufacturing process, her vision for retail, branding, her super fast growth and so much more. If you are wondering how to get your product out there to the masses this episode IS FOR YOU! I learned so much from Cora about the product creation process. My biggest takeaway was starting with how you want to finish! Cora knew she wanted to get into retail so that’s exactly how she started. Tag us with your top takeaway on Instagram, and enjoy this episode! Sponsored By: Use my link to get your free audiobook + 2 Audible Original books (so you get THREE free books!) http://audibletrack.com/iddb  Hit me up and let me know what book you're going to read. Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  Young King IG: @YoungKingHairCare Young King Website: https://youngkinghaircare.com/ I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

Today Mark Jones II is bringing some real estate GEMS to the I Don’t Do Budgets show! Mark is an LA native and and witnessed the real estate equity boom prior to the bubble of 2007-2008. He knew then as he knows now that wealth is built in real estate equity. In 2015 he househacked his first single family home in LA County, which allowed him to Live rent-free and to use the equity he received from his first house to get his Los Angeles triplex. He now owns a triplex near the new SoFi Stadium in Inglewood, California and has a brand called Livin' Rent Free where he teaches people how they too can live free. If you’ve ever been interested in the concept of living rent-free, you do NOT want to miss this one. Mark gives us so many good recommendations and got me seriously thinking about eliminating my own biggest expense: rent. Sponsored By: Avail Property Management System. Manage your rental properties from start to finish! Use my link to sign up for FREE. https://bit.ly/IDDBAvail  Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  Mark Jones II IG: @livinrentfree Mark Jones II Twitter: Livinrentfree_ I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

Today’s guest is Maya Mitchell - she purchased her very first home in Prince George's County, MD at the young age of 24! Since then, she’s become the founder of Ms. Young Homeowner, a resource and community for black millennial women navigating homeownership and the home-buying process. Ms. Young Homeowner is currently focusing on the first time homebuyer and giving them all the info to guide first time homebuyers throughout the homeownership journey. You’re going to love this episode with Maya if you are going through the home buying process or plan to one day. She provides SO many nuggets and gems that will help you get prepared. Be sure to tag us both with your top takeaways - I know I learned so much! Sponsored By: Avail Property Management System. Manage your rental properties from start to finish! Use my link to sign up for FREE. https://bit.ly/IDDBAvail  Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  Ms. Young Homeowner IG: @msyounghomeowner Ms. Young Homeowner Website: https://www.msyounghomeowner.com/ I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

Can you imagine making money from real estate investments WITHOUT actually owning any properties?! Today’s guest is teaching us how to do just that, investing in real estate in a less traditional but VERY strategic way.  Tommy Holt Jr. started his real estate career in 2008 when he became a real estate agent while still working a full-time job as a SWAT officer in Miami. He quickly recognized during the start of the 2008 recession that only the strong and resourceful investors would still be in the game after all the dust had settled. During this time is where his love for real estate INVESTING started to take shape. His first flip resulted in a $10,000 loss, but after a ton of research and support from different mentors, he found massive success in wholesaling. Since then he’s done over 100 wholesale deals and has 7 AirBnB properties in 2 different countries.  You have to listen to the entire episode because it is mind blowing the way he invests and the way he thinks about real estate investing.  Sponsored by:  Avail Property Management System. Manage your rental properties from start to finish! Use my link to sign up for FREE. https://bit.ly/IDDBAvail Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  Tommy Holt Jr. Instagram: @tommyholtjr I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

This week in the guest chair, we have Brandi Hayes. Brandi is a real Estate Investor/ Landlord in New Jersey; She has been working in the banking industry for over the past 5 years. She has an 11 year old son Nehemiah who she introduced to entrepreneurship when he was just 9 years old. She taught him and herself about bulk candy vending. He currently has 10 machines out working for him bringing in passive income. I’m SO excited for this week’s episode with Brandi. I know it’s longer than usual but that’s because it was SO good!  I don’t say this that often but this was one of my favorite interviews. You should take notes for this but I just want you to listen. Like you just need to pay attention and then maybe listen again to take notes haha. In the first part we talk about real estate but the second part Brandi talks about how she introduced her son to entrepreneurship and I don’t even have kids yet but I’m definitely going to listen to this episode again when I have them! This episode is amazing!  Tag me and Brandi on social media and let us know your top 3 takeaways from this episode. Sponsored by:  Today's show is brought to you by Audible – get a free audiobook + 2 Audible Original books (3 Free books) using my link http://audibletrack.com/iddb   Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  Brandi Hayes Instagram: @networkwithbrandi I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

At age 19, Anthony was deep in debt, homeless, sleeping in the back of his car. After a life-changing encounter, he turned his life around and eventually became the pastor of One Way Youth Ministries at The Bethel Baptist Church in Jacksonville, Florida. There he assisted in securing some of the biggest names in the industry, including Kirk Franklin and Bishop T.D. Jakes’ Firehouse Youth Ministry. Since 2003, Anthony has helped hundreds of thousands of students make smart decisions with their money, relationships, and education. He now works with Ramsey Solutions as a personality, frequently speaking at schools, churches, and events across the country, as he spreads the message of financial responsibility.  I am SO excited to have Anthony on the show today, and I think his words are going to come at the perfect time for many of you. We dive into what the financial landscape looks like in a world experiencing a pandemic, and where you should be putting your dollars until this is all over. You’re definitely going to want to have a notebook ready for this one! Sponsored By:  This episode is brought to you by The financial freedom workbook. Visit idontdobudgets.com and use code IDONTDOBUDGETS to save 25%!  Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  Daily Greatness Referral Link: http://dailygreatnessusa.refr.cc/sierrahoward Anthony O’Neal’s Website: https://www.anthonyoneal.com/  Anthony O’Neal on Instagram: @anthonyoneal Anthony O’Neal’s YouTube Channel: https://www.youtube.com/anthonyoneal  I Don’t Do Budgets IG: @idontdobudgets Website: www.idontdobudgets.com  Email: hi@idontdobudgets.com Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

Wouldn't it be nice to start a business with customers already waiting on your product? How great would it be to publish your website and have an audience ready to comb through it? Well that's exactly what this week’s guest did!   Nataleh Howard was able to take a loyal YouTube following and pivot it into a five-figure a month online business. On this week's episode she talks to us about how she took a chance and left her teaching career behind in order to become the master of her own destiny. We talk about so many things from target audiences, to business growth and even how to pay yourself as a sole proprietor.  Nataleh's intelligent yet practical approach to business helped her find success quickly. I hope you have your pen ready because there is a ton of great information in this episode. SPONSORED BY:  Today's show is brought to you by Grasshopper.com – save $50 on your order at www.trygrasshopper.com/iddb Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  Daily Greatness Referral Link: http://dailygreatnessusa.refr.cc/sierrahoward Nataleh Nicole Youtube: https://www.youtube.com/channel/UC9LQR3ZUlbSTSw671aLQ-kw Nataleh’s 6 Figure Blueprint program: https://brandconstruction.lpages.co/6figureblueprint/ Nataleh's Website: https://www.natalehnicole.com/ I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB Make sure you sign up for the #GOALS Workshop. APRIL 27TH - MAY 1ST 2020  #GOALS Workshop: https://bit.ly/GoalsWeekIDDB

If you’ve ever heard the term ‘government contractor’ but aren’t sure what exactly that means or how to get started… this is the episode for you. Kesha Stowe is a great resource when it comes to the confusing world of government contracting. Kesha is the founder and President of Manifest, Inc., a not-for-profit organization created to help small businesses maneuver through the confusing “world” of government contracting. She has advised selection boards, hosted small business forums, and educated over 350 small businesses on government contracting.  Remember to tag me with your key takeaways from this episode - I know that I learned a TON! SPONSORED BY:  Today's show is brought to you by Grasshopper.com – save $50 on your order at www.trygrasshopper.com/iddb Links Mentioned:  beta.sam.gov  https://www.acquisition.gov/ (all agencies' federal acquisition regulation in one place)  www.aptac-us.org  https://www.sba.gov/  Additional Resources Mentioned:  Small Business Administration (SBA)- District Offices  Procurement Technical Assistance Centers (PTAC)   Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  Daily Greatness Referral Link: http://dailygreatnessusa.refr.cc/sierrahoward Kesha’s Appointment Link: https://keshalm01.appointy.com/ Kesha’s Email: information@manifestme.org I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

Today I’m lucky to be joined by not one, but TWO guests! Josh and Elisha are your go-to personal finance educators and founders of The Penny Lounge. They help individuals gain clarity on financial goal setting, debt management, and budgeting. Their debt payoff journey started in November 2018 and since then, they have paid off over $71,000 in 16 months!! AND they’re on track to having their debt paid off in 2020.  I really enjoyed talking to them and feel so inspired by the idea of having a financial accountability partner. If you’re in a relationship then you’re going to learn a lot about managing money as a couple from this episode. If you’re single, you’re still going to learn a lot about paying off debt and just managing your money by yourself. Make sure you follow them on IG at @thepennylounge and tag us on social media with your top 3 takeaways! Thanks to today’s sponsor, the Financial Freedom Plan Workbook! https://www.idontdobudgets.com/shop/the-financial-freedom-plan-workbook Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  Daily Greatness Referral Link: http://dailygreatnessusa.refr.cc/sierrahoward The Penny Lounge Website: https://www.thepennylounge.com/ The Penny Lounge Instagram: @thepennylounge I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

Hope everyone out there is healthy and safe! Today’s interview is with a young budgeter named Amber McGill. Amber is a cybersecurity consultant and is currently in grad school… AND is planning to save $20,000 in 2020! Talking to someone who is in the middle of the process of reaching a big financial goal was so eye-opening for me!   In addition to her job as a consultant she is a YouTuber, blogger and financial coach. Amber's mindset and drive REALLY inspired me, and I hope this episode motivates you too.  SPONSORED BY PEERSPACE idontodobudgets.com/peerspace   Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  Daily Greatness Referral Link: http://dailygreatnessusa.refr.cc/sierrahoward Amber McGill Website: http://budgetingaroundtheworld.com Amber McGill Instagram: @LadyPotential19 I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

Today’s guest George Pitts. George is a serial entrepreneur: he owns a tech consulting company, is a real estate & stock investor, and a business coach who helps people turn their skills into a personal ATM Machine by building a profitable online business! This is one that you’re going to need a notebook for. I’ve been getting a lot of people asking me about starting businesses or side hustles during the coronavirus and George really gives you the breakdown on what you need to do!  SPONSOR Today's show is brought to you by Grasshopper.com – save $50 on your order at: www.trygrasshopper.com/iddb  Tag me and George on social media and let us know your top 3 takeaways from this episode. I feel like I learned SO much from talking with him.  Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  George Pitts Instagram: @mrgeorgepitts I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

Raise your hand if you’re stuck at home right now. Whew Chile. Dis Tew Much! This has been a very hard time for us all and still seems like a movie.   I feel like we have way more downtime now so while you’re stuck at home, I wanted to give you 5 things that you could be doing during the Rona. Follow me on Instagram and Join the I Don’t Do Budgets Facebook Group and tell me what you’re doing with your time. SPONSORED BY: Download your TWO FREE pages from the Financial Freedom Planner Workbook.    https://www.idontdobudgets.com/freebies   Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week I Don’t Do Budgets IG: @idontdobudgets  Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB