Money Talk With Tiff

Welcome to another exciting episode of Money Talk with Tiff! Today, Tiffany Grant brings on a very special guest, Chad Carson, the acclaimed author of "The Small and Mighty Real Estate Investor." Chad and Tiffany dive deep into a fresh perspective on real estate investing, challenging the popular notion that bigger is always better.

Chad shares his unique philosophy on how starting small in real estate can lead to more flexibility, freedom, and a happier, balanced life. They discuss practical strategies like house hacking, the distinctions between short-term and long-term rentals, and tips for finding good tenants.

Chad also offers valuable insights on maintaining properties and dealing with common landlord challenges. Whether you're a seasoned investor or just starting, this episode is packed with actionable advice to help you succeed in the real estate market.

Be sure to listen in as we explore how to build a "small and mighty" real estate empire!

Chad Carson (aka Coach Carson) is an author, investor, podcaster, and life-long learner who used real estate investing to reach financial independence in his 30s. His current passion is teaching other investors how to build a small and mighty rental property business so they can get out of the financial grind and do more of what matters.

Based in Clemson, South Carolina, Chad and his family have also lived abroad in other countries, including 17 months in Cuenca, Ecuador and 12 months in Granada, Spain. When not writing about himself in 3rd person, vying for the silliest dad award, or playing pick-up basketball, Chad enjoys volunteering with a local non-profit he co-founded to create a network of walking and bike paths in his hometown.

Get the book: The Small and Mighty Real Estate Investor (affiliate link)

Website: Coach Carson

Podcast: Real Estate Investing with Coach Carson

YouTube: Coach Carson on YouTube

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In this enlightening episode of Money Talk With Tiff, Tiffany Grant sits down with Rod Griffin from Experian to discuss common misconceptions about credit scores and reports. Rod Griffin, who is the Director of Consumer Education and Advocacy at Experian, provides valuable insights into how credit works and shares tips for maintaining a healthy credit score.

Rod Griffin is Senior Director of Consumer Education and Advocacy for Experian, where he manages the award-winning national consumer education and advocacy program in North America. With more than 25 years of experience in the credit reporting and information services industry, he is an expert on consumer issues, particularly credit reporting, credit scoring and identity theft. He frequently appears in national television, print, radio and online media and presents regularly at regional and national financial literacy events.

Twitter (X): @Rod_Griffin

Credit Chat on Twitter (X): https://twitter.com/hashtag/creditchat

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[00:00] Responsibly using credit for financial advantage.

[03:20] Credit is essential for financial opportunities and success.

[06:49] Credit score doesn't affect credit report.

[10:43] Credit bureau provides Fico scores to lenders.

[14:38] Understand credit score factors, pay on time.

[16:45] Dispute information, but it has risks.

1. Introduction to Experian:

• Rod explains that Experian is a global information services company known for being one of the big three credit bureaus in the U.S.
• Highlights of Experian's diverse services, including credit reporting, fraud and identity theft prevention, automotive history, and healthcare financial services.

2. Common Credit Misconceptions:

• Credit isn't bad; debt mismanagement is: Credit is a tool, and debt is the problem if not managed properly.
• Credit report checks: Checking your credit report does not hurt your credit score.
• Credit report vs. Credit score: The importance of understanding the difference between them.
• Credit score variability: Reasons for having multiple credit scores due to different scoring models and lenders’ criteria.

3. Improving Your Credit Score:

• First steps: Obtain your credit report and identify risk factors impacting your score.
• Two key practices: Always pay your bills on time and keep your credit card...

Join us for an eye-opening conversation with Marquita Robertson, a passionate advocate for financial empowerment and the need for accessible, safe, and affordable banking options. Tiffany and Marquita delve deep into the challenges faced by the unbanked and underbanked communities and provide actionable insights on how to navigate these obstacles.

Marquita Robertson is a lifelong financial capability advocate. She is the executive director of The Collaborative, an organization focused on closing the racial wealth gap in North Carolina through collaborations with financial institutions, nonprofits, and local government agencies to educate people about building wealth and advocate on behalf of financially vulnerable communities.

Prior to that she was the Financial Education Director for the North Carolina Department of State Treasurer. There she led the Department’s financial education initiatives across the state, working with state agencies, schools, nonprofits and financial institutions.

Marquita started her career in financial capability at the American Bankers Association (ABA) in the mid-2000s. And for nearly 20-years she has managed wealth building programs that impower and educate individuals in all facets of money management.

Appointed twice by Gov. Roy Cooper, Marquita is serving her second term as Board of Trustee for the NC ABLE 529 program. She was also appointed by former Gov. McCrory to Chair the N.C. Financial Literacy Council, which guides statewide financial literacy standards and provide recommendations to the Governor and General Assembly regarding financial education. She also serves as a Board of Director for the United Way of North Carolina, Dix Park Conservancy, and Coastal Credit Union Foundation.

Marquita was born and raised in Moyock, N.C., a small town on the most northeastern point of the state. She received her undergraduate degree in Political Science and Communication from East Carolina University, and a master’s degree in Communication and Journalism from Norfolk State University. She is supported by her loving husband and two amazing children.

Website: https://thecollaborativenc.org

Facebook: The Collaborative of NC

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[00:00] Consumer credit reporting history for bank accounts.

[05:38] Clarifying banking issues and emphasizing FDIC insurance.

[07:56] Issues with alternative payment solutions, prefer banking.

[11:50] Understanding bank account details is crucial.

[12:45] Switched from bank to credit union to avoid fees.

[17:03] Visit thecollaborativenc.org for bank...

Today, we're thrilled to have LeChez Solages join us to discuss a vital yet often overlooked aspect of career progression: understanding total rewards. LeChez, who also co-hosts the Your Corporate IQ podcast, brings a wealth of knowledge about negotiating job offers and strategizing career moves.

Today, she’s here to help us look beyond the salary and consider the complete package, including work environment, benefits, bonuses, and even stock options. So, if you're currently navigating job offers or planning your next career move, turn up the volume—this episode is packed with invaluable insights to ensure you make well-informed decisions that align with both your financial goals and lifestyle needs.

Get ready to expand your understanding of what truly constitutes a rewarding job offer!

LeChez Solages is a Talent Acquisition Strategist, DEI Global Leader, and Career Coach with over 10 years of corporate experience. LeChez has helped Fortune 500 companies such as Marriott International, Volvo Group, and Robert Half International achieve their talent acquisition and DEI initiative goals.

She advocates for sustainable DEI hiring and career development programs supported by mentorship and sponsorship. She strives to amplify Black voices and serve her community with corporate navigation coaching. She holds a bachelor’s degree in mass communications from Towson University and currently resides in the DC metropolitan area. LeChez served on the board for Carlisle Young Professionals and is a graduate of the Leadership Cumberland Fellow Program.

Website: https://yourcorporateiq.com

LinkedIn: LeChez Solages

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[00:00] Consider salary, lifestyle, and willingness to adapt.

[05:35] Conduct research on potential employers for confidence.

[08:12] Remote, hybrid, onsite work arrangements in pandemic.

[11:11] Recruiters face challenges with stock and bonuses.

[14:55] Podcast covers career advice and negotiation tips.

[16:40] Expresses gratitude and promises comprehensive show notes.

1. Understanding Total Rewards:

- LeChez explains that total rewards encompass not just the salary but also the scope of work, work environment and culture, work arrangements (remote, hybrid, onsite), medical benefits, and other perks such as bonuses and stock options.

2. Evaluating the Entire Offer Package:

- Importance of not focusing solely on salary.

- Importance of understanding all components of the offer to meet both basic and lifestyle...

In this fascinating episode of "Money Talk With Tiff," host Tiffany Grant chats with special guest Jordan "Doc G" Grumet from the Earn & Invest podcast. They delve into profound discussions about life, death, and finding financial independence beyond the dollar amount.

Doc G shares insights from his journey from medicine to content creation and discusses key concepts from his book, "Taking Stock."

Jordan Grumet was born in 1973 in Evanston, Illinois. After graduating from the University of Michigan, he received his medical degree from Northwestern University and began practicing internal medicine in Northbrook, Illinois. He is currently an associate medical director at Journeycare Hospice.

After years of blogging about financial independence and wellness, Jordan launched the Earn & Invest podcast in 2018. In 2019 he received the Plutus Award for Best New Personal Finance Podcast and was nominated in 2020 for Best Personal Finance Podcast of the year.

Website: https://jordangrumet.com/

Twitter (X): @earnaninvest

Facebook Group: https://www.facebook.com/groups/earnandinvest

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[00:00] Offering positivity and comfort in the face of death.

[05:20] New approach to financial independence and work.

[08:51] Self-actualization, purpose, and identity in life.

[12:24] Fear of losing money outweighs goal achievement.

[14:58] Financial independence doesn't guarantee happiness, wealth concerns.

[17:34] Podcast, purchase links, upcoming book on purpose.

• Transition from Medicine to Content Creation: Doc G explains his shift from practicing medicine to embracing his passions as a content creator and writer, focusing on the satisfying work in hospice care, which he continues part-time.
• Perspectives on Hospice Care: The conversation sheds light on the positive impact of hospice care, providing comfort and dignity in the final stages of life—a perspective that enlightened Tiffany while reading Doc G’s book.
• Philosophy on Regrets and Life Review: They explore the importance of addressing regrets and conducting life reviews, not only for the dying but as a practice we should adopt early in life to live without regrets.
• Financial Independence,...

In this enlightening episode of "Money Talk With Tiff," hosts Tiffany Grant and Clifton Corbin, along with financial experts Gabe Walters, Deb Meyer, and Kelly Sjostrom, answer listeners' burning questions about personal finance, investing, and family budgeting. The episode serves as a powerhouse of actionable advice tailored to inspire and educate on achieving financial wellness and generational wealth.

Live video: https://youtu.be/B7KV9MT7SFg

• Budget Nirvana Course: Tiffany discusses the importance of money mindset and practical tools for tracking and budgeting.
• One-Page Financial Plan: Gabe Walters breaks down how to build a simplified financial plan that aligns with personal goals and offers steady support through his platform, Steady Worth.
• Holistic Financial Planning: Deb Meyer speaks on the nuances of planning for families and small business owners and the need for tailored financial advice.
• Raising Generational Wealth Summit: Hosted by Clifton, this online event features over 20 experts discussing key strategies to foster financial literacy among families. Visit the site for more information.
• Practical Financial Experiences for Kids: Tiffany shares insights into teaching kids about money through real-life practices like checking accounts and sale shopping.
• Importance of Financial Communication: The episode highlights the necessity of open discussions about money within partnerships and families to foster a supportive community.
• Aligning Values and Spending: Gabe emphasizes matching spending habits with personal values, highlighted by practical examples including lifestyle choices like minimalism.

Join "Money Talk With Tiff" on your favorite podcast platform. Don’t forget to subscribe and leave us a review if you found the insights valuable! Engage with us on our social media (@moneytalkwitht) for more updates and in-depth discussions about personal finance.

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In this enlightening episode of Money Talk with Tiff, Tiffany Grant welcomes Coach Ty, host of the Little Steps Big Moves podcast. The two dive deep into Coach Ty’s unique journey towards financial independence while actively serving in the military.

They discuss various strategies and philosophies around financial independence, including concepts like CoastFI and LeanFI, and the impact of real estate investment.

An educator by a purpose-filled calling, she taught and coached in the public education system until called to Active Duty in 2003.

She continues to educate and coach today but in an evolved way.

Ty mentors women and speaks about real estate, leadership, and entrepreneurship. In 2022, she launched a podcast, Tiny Steps, Big Moves, highlighting the inspirational stories of women who have career-pivoted in life. In late 2023, she launched her website coachtyinspires.com, centered around the theme Live your Best Life 2.0, encouraging women to set goals and outcomes, remove the limits, and unleash their greatness. Additionally, she is the founder of Renaissance Properties of the Carolinas, a licensed realtor in NC, and a real estate investor in the southeast.

Connect on LinkedIn: Tianika "Ty" Mangum

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[00:00] Transitioning to coastal financial independence from military.

[06:01] New military member finds financial independence path.

[09:54] Budgeting, tracking, and understanding spending habits.

[12:42] Plan expenses, increase savings, supplement income sources.

[14:09] Real estate as primary investment for retirement.

[19:02] Embracing community and personal growth while advancing.

[21:14] Podcast features women sharing career pivot stories.

• Introduction to Financial Independence (FI) in the Military Context: Coach Ty shares her approach to achieving financial independence through her military career, emphasizing the similarities and unique aspects of FI in active duty compared to civilian FI strategies.
• Understanding FI Terminology:

CoastFI: Described by Coach Ty as a more relaxed approach where one still maintains financial independence but continues to work, allowing for a gradual progression towards full FI.

LeanFI (Real LeanFI): Coach Ty’s strategy focusing on covering basic living expenses through investments, setting a foundation before progressing towards more comprehensive financial goals.

• Personal Journey and Motivation: Coach Ty elaborates on her background and the personal motivations driving her pursuit of

In this insightful episode of Money Talk with Tiff, host Tiffany Grant delves into the critical topic of evaluating the reliability of information and advice provided by social media gurus, especially concerning financial decisions. Tiffany provides practical tips on how to fact-check sources and verify data to prevent falling for misinformation—particularly emphasizing the case of a viral claim about a major bank's alleged financial woes.

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[00:00] Tiffany's Take: Fact-checking social media gurus.

[03:57] Questioning funding source and credibility of information.

[06:47] Check various sources before believing any story.

[12:06] Be critical and skeptical, and do your research.

• Trace the Original Source: Always verify the authenticity of the information by tracing it back to the original source, ensuring it is not simply secondhand information.
• Check the Author’s Credibility: Investigate the motives and background of the content creator. For instance, a self-proclaimed financial guru pushing for certain financial products may have an underlying agenda.
• Verify with Reputable Sources: Cross-check claims with reputable sources to confirm their validity. If only one obscure source is making a dramatic claim, it’s worth being skeptical.
• Use Fact-Checking Websites: Utilize platforms like Snopes or FactCheck.org to verify widespread rumors or claims.
• Assess the Evidence: Evaluate if the information is backed by data, expert quotes, or credible research rather than mere opinions.
• Beware of Misleading Headlines: Sensational headlines often do not accurately reflect the content. Read beyond the headline to understand the true context.
• Consider the Publishing Date and Context: Information might be outdated or taken out of context to push a particular narrative.

• Tiffany emphasizes the responsibility of social media users to share accurate content and encourages a critical approach to consuming information.
• Encourages listeners to perform their own thorough research before forwarding or acting on sensational news.

• Popular blog posts on passive income ideas, turning $10,000 into $100,000, and financial literacy in schools
• Snopes - http://www.snopes.com
• FactCheck.org -

In this insightful episode of Money Talk with Tiff, host Tiffany Grant is joined by podcast expert Virginia Elder. They dive deep into what it takes to start and maintain a successful podcast, especially for business owners contemplating entering the podcast space. From deciding if podcasting is the right medium to understanding the commitment it entails, Tiffany and Virginia cover all you need to know to make informed decisions.

Virginia Elder is a dynamic and driven individual with a strong foundation in project management, client service, and strategic organization. With over 15 years of experience under her belt, she has honed her skills and is now known for her ability to make things happen. Whether it's behind-the-scenes support or content marketing strategies, Virginia shines brightest when helping entrepreneurs expand their reach and boost their revenue.

Her journey into podcast editing began with a simple 'yes' to a friend's project in 2019. Since then, she has taken on numerous copywriting and audio editing endeavors, which have led to her leaving her 9-5 job to forge her own business path. This move has not only allowed her to pursue her passion but also live her dream of walking her kids to and from school each day.

When you entrust your raw audio and video recordings, web copy dreams, weekly newsletter musings, and blog post aspirations to Virginia, you are giving yourself the gift of freedom. She takes care of the entire content creation process - from editing to publishing - so you can focus on serving your clients and growing your business.

Editing audio, video, and copy may be daunting for some, but for Virginia, it's second nature. With a dedicated content production team by her side, they work together to turn visions into reality. Don't let content creation hold you back any longer; let Virginia and her team handle it with their expertise so you can concentrate on what you do best.

Website: PodcastAbundance.com

Instagram: @PodcastAbundance

Facebook: @PodcastAbundance

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[00:00] Consider comfort, goals, time, and integration.

[05:55] Podcasting is a long-term marketing strategy.

[09:40] Identify ideal client, structure episodes, purposeful content.

[13:35] Set clear expectations, plan and follow through.

[15:30] Consistency in releasing content is crucial.

[21:18] Efficient batching helps release podcasts consistently.

[22:17] Virginia shared valuable podcasting advice for...

In this crucial episode of Money Talk with Tiff, Tiffany Grant dives into the seldom-discussed topic of how credit cards can significantly influence our mental health. She unpacks the history of credit cards, discusses the psychological effects of spending with plastic, and gives practical advice on managing credit card use to foster financial and mental well-being.

[00:00] Competition spurred credit card innovation, global convenience.

[06:36] Credit card debt causes financial stress and strain.

[09:31] Creating a budget is crucial for financial stability.

[13:04] Use credit card regularly, pay off immediately.

[14:41] Get help with credit card debt wisely.

• The origin of credit cards and their evolution since the 1950s.
• The psychological differences between spending with cash versus credit.
• Benefits of using credit cards, including building credit history, rewards (with a cautionary note on their use), and fraud protection.
• Personal anecdotes about how credit can be advantageous when used responsibly.
• The stress and anxiety associated with credit card debt, backed by studies highlighting the correlation between debt and decreased mental health.
• The role of money management in personal relationships and self-esteem.
• Strategies to stay in control of credit card use, such as budgeting, spending tracking, and setting spending limits.
• The importance of paying off balances each month and keeping utilization low to improve credit scores.

• Blog post on budgeting with a video walkthrough of the budget spreadsheet (free download).
• Budget Nirvana course, which delves deeper into budgeting strategies and mindset.
• Need personal help with credit card debt management? Schedule a free 15-minute consultation with Tiffany.
• Get YNAB to start your budgeting journey
• Do you know when you will be debt-free? Get Debt Payoff Planner to find out!
• Navigating a Mountain of Credit Card Debt: Tips for Debt Management and Recovery | Ep. 298
• Tiffany's Take: Is There Such Thing as Too Much Debt? | Ep. 179

• Reflect on your relationship with credit cards.
• Consider necessary changes to enhance your financial health and mental well-being.
• Get help if you're struggling with credit card debt.
• Engage with Tiffany through social media or email to share your experiences.

• If you have a question for Tiffany to answer on the podcast, submit it at www.moneytalkwitht.com/asktiffany.
• Don’t forget to like, subscribe, share, rate, and review the podcast.

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