Money Talk With Tiff

Welcome to another engaging episode of Money Talk with Tiff! Today, we're thrilled to have Dr. Hans Boateng join us to unravel the complexities of digital assets, NFTs, and the broader spectrum of investment diversification. If terms like cryptocurrencies, NFTs, and blockchain sound like a foreign language to you, then you're in for a treat. Dr. Hans offers a deep dive into the potential of these digital assets in our investment portfolios and how they can significantly impact wealth-building strategies, especially within our community.

We'll explore the rollercoaster world of cryptocurrencies, the average returns versus the S&P 500, and discuss the inherent risks involved in chasing higher gains. Furthermore, Dr. Hans illuminates the concept of NFTs beyond just the quirky pictures of apes and penguins and shares his innovative approach to NFTs with The Royals project—a cultural milestone connecting the African diaspora through blockchain technologies.

Tune in as Dr. Hans demystifies investing in the digital age, the value proposition of NFTs, and how they authenticate ownership in ways far transcending the current hype.

Remember, this is not investment advice but an insightful conversation to empower your financial knowledge.

Dr. Hans is the ideal person to teach you about investing. He was able to climb the ladder of financial success from the bottom 10% to the top 1%. He is an accomplished professional with a wealth of knowledge and experience in finance and investing. He holds an MBA with a Path of Distinction and a Doctorate degree. He grew up in Ghana, West Africa; when he arrived in the US, he recognized the lack of investment literacy in immigrant and minority households. This fueled his passion for teaching others how to build wealth. He spent 13 years mastering the subject of money and has worked with over 10,000 members. Dr. Hans has been featured on Bloomberg and Business Insider and is trusted by the communities he serves.

Royals Experience: https://www.ghanaroyalgala.com/

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[00:00] Diversification essential for catching up in investments.

[05:45] Upside potential comes with downside risk awareness.

[07:55] NFTs: Unique digital tokens, not interchangeable items.

[10:32] Authenticating ownership via blockchain, accessible

This week, we're diving into the often-overlooked world of philanthropy with a fellow UNCG alum, Dean Castaldo. Join us as Dean shares his extensive knowledge on the many ways we can support our favorite causes, from naming beneficiaries and directing stocks to establishing donor-advised funds and trusts.

Whether you're just starting your financial journey or looking to leave a legacy, Dean's insights will illuminate a plethora of options for making impactful contributions. Get ready to discover how you can make a difference, not just now, but for generations to come.

Tune in now to unlock the potential of your philanthropic spirit!

Dean Castaldo, J.D. leads a dedicated team of fundraisers at the USNA Foundation, connecting with alumni and parents across the Southeast and Southern California to secure 6- and 7-figure philanthropic investments that enhance the midshipman experience. Prior to his role with the Foundation, Dean honed his development skills as Associate Director of Alumni Engagement at UNC-Greensboro, where he supported corporate partners, the military-veteran community, and young professionals. He has served in the development profession since late 2015 while bringing over 15 years of combined active and reserve experience leading teams of warfighters as a Marine Corps NCO and a current Naval Officer.

Dean has extensive non-profit advisory experience serving on multiple boards, including as a current member of the UNCG Alumni Leadership Board and the Naval Sea Cadets Foundation Board of Directors.

LinkedIn: https://www.linkedin.com/in/deancastaldojr/

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[00:00] Philanthropy is reachable for majority of people.

[05:19] Designate beneficiaries flexibly with selection of percentage.

[08:24] Transfer accounts tax free or tax deferred.

[10:40] Utilize trust structures for financial and estate planning.

[13:58] Invest $100 monthly into donor advised fund.

[18:14] Gratitude for information and hope for day.

• Understanding philanthropy.
• Options for philanthropic giving.
• Beneficiary designations for donations.
• Tax advantages of estate gifts.
• Using wills and trusts.
• Donor-advised funds explained.
• Gifting stocks to nonprofits.

• Home Page - UNC Greensboro
• Habitat for Humanity
• Veterans Charity - Non...

Get ready for an insightful conversation with our special guest, Bob Wheeler. He will present an enlightening framework to enhance our decision-making process: the Four W's: What? Why? Why? What?

Dive deep with us as Bob teaches us to explore the depths of our desires, understand the core of our motivations, and confront the barriers that hold us back from achieving them. Whether you're contemplating life-changing decisions or everyday choices, this episode promises to equip you with a non-threatening way to evaluate what truly drives you.

Join me, Tiffany Grant, as we unravel the maze of wants and wishes and discover the power of intentionality in shaping our financial independence and personal fulfillment. Prepare to challenge your intrinsic motivations and align your aspirations with your values, all here on Money Talk with Tiff.

Bob Wheeler, a CPA and somatic therapist, merges financial expertise with emotional insight in his approach to personal finance. Author of "The Money Nerve: Navigating the Emotions of Money," Bob explores the psychological aspects of money management, aiming to guide individuals toward financial freedom. He hosts the "Money You Should Ask" podcast, sharing personal finance tips and stories from various guests. Bob also leads seminars internationally, focusing on Radical Abundance and Money at its CORE, drawing from his certification in ‘CORE Energetics’ and Radical Aliveness.

In addition to his professional pursuits, Bob has a passion for standup comedy, blending humor with financial advice. He serves as the CFO for The World Famous Comedy Store in West Hollywood and La Jolla, California. A graduate of Rhodes College, Bob's adventurous spirit has taken him to high altitudes around the world, including Mt. Kilimanjaro and the Everest Base Camp.

Website: https://themoneynerve.com/

Email: [email protected]

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Instagram: @bobwheelerr

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[00:00] Understanding motivations is key to achieving goals.

[05:32] Seeking benefit and joy in self-care.

[06:18] Internal payoff is crucial for intrinsic motivation.

[09:34] Accountant weighs cost and benefit of actions.

[13:42] Excited about newfound clarity and direction.

• Asking the Four W's framework.
• Importance of intrinsic motivation.
• Exploring...

In this episode of Money Talk with Tiff, Tiffany Grant responds to a listener's question on recovering from a budget setback. Tiffany shares personal experiences and practical steps to help listeners get back on track when facing unexpected expenses or drifting from their financial plans.

From reflecting on the reasons behind the budget slip to embracing flexibility and forgiveness, Tiffany offers valuable insights and tips for creating a resilient budget recovery plan. Tune in to gain expert advice on budget reassessment, emergency fund building, and the importance of regular financial reviews. Plus, discover how to avoid future detours through mindful spending and continuous financial education.

Join Tiffany as she takes you on a journey to financial recovery, empowering you to navigate your money matters with confidence and clarity.

Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany

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[00:00] Understand why budget strayed, adapt for resilience.

[04:35] Review budget, cut expenses, increase income options.

[08:09] Have an emergency fund in high-yield savings.

[11:37] Stay present, be grateful, and move forward.

• Budget Recovery: Steps to get back on track.
• Reflect and Understand: Identifying reasons for budget deviation.
• Reassess Your Budget: Review income, expenses, and goals.
• Implement a Recovery Plan: Adjusting expenses, increasing income, and being realistic.
• Build an Emergency Fund: Creating a financial safety net.
• Embrace Flexibility and Forgiveness: Being adaptable and practicing self-compassion.
• Review and Adjust Regularly: Keeping track and celebrating progress.

• Budgeting Basics: How To Make A Personal Budget That Works For You

In this episode of Money Talk With Tiff, Tiffany Grant sits down with Schelo Collier, the founder of Black Women Invest, to discuss the initiative's origin and importance. Schelo shares her journey of being laid off from her dream job and realizing the need for financial independence.

They delve into the topics covered by Black Women Invest, the resources available, and the diverse range of levels catered to within the community. Schelo also provides insights into the business side of starting and growing the community and offers valuable advice for entrepreneurs.

Tune in for a dynamic conversation about financial empowerment and the power of community in guiding individuals toward financial success.

Schelo Collier has a background in finance and real estate investing. After years of witnessing the underrepresentation of Black women in the investment space, she knew it was time to scrap the idea of finding a seat at the table—it was time for Black Women to build our own table! 

Prior to starting BWI, Schelo built her career in real estate investment. In a former role, she traveled across the country, helping thousands of investors build their real estate portfolios. Schelo also snatched her first investment property at the age of 24 and has since helped hundreds of members in BWI learn how to invest in real estate and stocks to build a diversified portfolio.

Website: https://www.blackwomeninvest.com/

Instagram: @investwithschelo

Facebook: Black Women Invest

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[00:00] Lost dream job spurred financial independence journey.

[03:09] Creating a community for black women entrepreneurs.

[09:29] Chapters cater to all with varied resources.

[10:48] Enthusiastic endorsement of a diverse community for investors.

[13:59] Weekly podcast on financial advice and tips.

• Black...

In this episode, Tiffany Grant sits down with the inspiring Giovanna "GiGi" Gonzalez, a first-generation wealth builder and the author of "Cultura and Cash." Giovanna shares her personal journey of breaking free from the cycle of poverty and navigating the challenges of managing finances and cultural expectations.

From her experience as the daughter of Mexican immigrants to becoming a pro bono financial educator, Giovanna offers invaluable insights and practical tips for first-generation wealth builders.

Join us as we learn about the "First Gen Five" pillars of personal finance and how Giovanna's book is empowering individuals to take control of their financial future. Get ready to be informed and inspired by this enriching conversation.

Giovanna "Gigi" Gonzalez is a TikTok influencer, financial educator, and author of Cultura and Cash. During The Great Resignation, she quit her 10-year corporate career to pursue her true passion: teaching financial literacy to young adults.

Gigi teaches personal finance and career navigation for First Gen at various organizations and on her TikTok account @thefirstgenmentor. She was named 40 under 40 by the Hispanic Alliance for Career Enhancement, "Latinx to Watch" by Hispanic Executive Magazine, and Top 25 Creator by Fast Company.

Instagram: @gigithefirstgenmentor

Get the book: Cultura & Cash (Amazon)

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[00:00] Chose economics for employability; enjoyed math. Joined insurance company.

[05:18] Seeking and sharing financial knowledge through volunteering.

[07:27] Entering adult world with financial challenges and responsibilities.

[11:49] Identifying pillars for first generation wealth builders.

• First Generation Wealth Building - Breaking the cycle of poverty
• Financial Literacy - Learning as you go
• Immigrant Experience - Pressure to succeed
• Family Financial Obligations - Balancing giving and personal goals
• Book Release - "Cultura and Cash" provides financial guidance
• First Gen Five - Focus on emergency fund, budgeting, debt payoff, credit, and investing
• Resources - Access book and connect with Giovanna Gonzalez

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Copyright 2024 Tiffany Grant

In this episode, Tiffany Grant shares her 2024 travel tips. After returning from her vacation and celebrating her birthday, Tiffany dives into how she manages to travel on a budget without compromising her financial goals.

From budgeting and finding affordable accommodations to tips on booking flights, exploring local activities, and managing currency exchange, Tiffany's travel wisdom will inspire you to plan your next adventure without breaking the bank.

So, tighten those purse strings and prepare for some invaluable travel advice from Tiffany.

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[00:00] Budgeting is vital for celebrating life milestones.

[05:14] Flexibly plan trips using calendar and Google flights.

[06:28] Options for flights from North Carolina airports.

[11:06] Avoid tourist hot spots, cook at home.

[13:02] Benefits of immersing in a new culture.

• Budgeting for Travel: Plan ahead, set limits, allocate funds.
• Affordable Accommodations: Airbnb, local connections, cost-sharing with others.
• Smart Flight Booking: Flexibility, layovers, airline points, multiple airports.
• Cost-Effective Activities: Local experiences, street vendors, homemade meals.
• Currency Considerations: Exchange rates, using local currency, staying informed.
• Immersive Travel: Engaging with locals, cultural experiences, avoiding tourist hotspots.
• International Travel on a Budget: Stretching funds, value for money, exploring abroad.

• Google Flights
• YNAB
• Ask Tiffany Your Money Question
• Making Travel a Financial Priority with Danielle Desir
• 2020 Travel Tips | Ep. 27
• The Grown-Up Gap Year With Stephanie Perry | Ep. 20
• Buy or Transfer United MileagePlus Miles
• Buy, Give & Transfer Hilton Honors Points - Hilton Honors

In this episode of Money Talk with Tiff, host Tiffany Grant delves into mobile home investing with special guest Rachel Hernandez. Rachel shares her journey from single-family home investing to venturing into the often-overlooked niche of mobile home investing.

She offers insights into what mobile homes are, how she got started in the industry, and the process of buying, selling, and renting out mobile homes. She also discusses the importance of providing affordable housing and offers valuable advice for those interested in entering this real estate market. Plus, Rachel includes information on where listeners can find more resources and training on mobile home investing.

Join Tiffany and Rachel in this eye-opening discussion about mobile home investing and the opportunities it presents in the real estate industry.

Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/mobile-home-investing/

Rachel Hernandez is an award-winning mobile home investor with over ten years of experience. As an author and blogger, her books have hit #1 on Amazon, and her blog has been featured as one of the |Top 20 Real Estate Investing Blogs." She is also the #1 Writer for Mobile Homes on Quora. She has been featured in MHVillage, Forbes, Experian, and various real estate publications and blogs.

Her podcast, Adventures in Mobile Homes, is recognized as one of 30 Asian American Podcasts to support and was nominated by the Asian American Podcasters Association for a 2020 Golden Crane Award.

Website: https://adventuresinmobilehomes.com

Twitter (X): @mobilehomegurl

Instagram: @mobilehomegurl

Facebook: Adventures in Mobile Homes

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[00:00] Transitioned from single-family to mobile home investing.

[04:04] Real estate investments led to challenges, solutions.

[08:38] Mobile homes often overlooked as real estate investment.

[10:52] Locate mobile home parks locally, invest wisely.

[14:12] Curious about mobile home investing, ownership, land.

• Mobile Homes: Affordable Housing Solutions
• Real Estate Investing: Transition and Strategy
• Cash Flow: Maximized Income Potential
• Niche Markets: Finding Investment Opportunities
• Property...

In this episode of Money Talk with Tiff, we dive into the world of slow flips with guest Scott Jelinek. Tiffany Grant sits down with Scott to unravel the concept of slow flips, a unique strategy for flipping properties for the fastest path to wealth.

Scott shares his journey into slow flips, the pitfalls he experienced with conventional rentals, and his innovative approach to creating wealth through real estate. He breaks down the process, addresses questions about vetting potential buyers, and offers invaluable tips for anyone interested in getting started with slow flips.

Tune in to explore this fascinating approach to real estate investing and gain insight into a strategy that's turning heads in the industry.

Scott Jelinek is a successful entrepreneur and real estate investor with over 30 years of experience in the industry. His passion for entrepreneurship started at a young age, and he started his first business venture at just fifteen years old. After serving in the army, he turned to real estate and has since completed over 800 deals, establishing himself as a leader in the field.

Scott's "slow flip" investment strategy has allowed him to own 158 houses and generate a steady monthly income without the typical landlord headaches. He is a creative investor who buys houses without money or credit and turns them into long-term investments. He has shared his knowledge and expertise through teaching seminars and classes, helping others achieve their financial goals through real estate investing.

As a full-time real estate investor, Scott has gained extensive knowledge and experience in the industry, which he uses to coach and mentor other investors. He is passionate about helping others succeed in this lucrative field. He is trying to empower as many people as possible to set themselves free through real estate investing.

Website: slowflip.com

Twitter (X): @scottjelinek123

Instagram: @scott_jelinek

Facebook: Scott Jelinek Coach

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[00:00] Introduction to Slow Flips with Scott Jelinek

[02:15] The mechanics of Slow Flips: buying and selling properties

[05:30] Scott's transition from traditional investing to Slow Flips

[09:45] The pitfalls of leveraging and the power of owning free and clear

[12:20] How to handle defaults and protect your investments

[15:00] Top tips for getting started in Slow Flips

[18:10]

In this episode of Money Talk with Tiff, host Tiffany Grant sits down with special guest Dave Ball from House Rich. They dive into the 2024 housing market and the top mistakes that homebuyers make.

Dave sheds light on the uncertainty of future interest rates and the impact on the housing market. He emphasizes the importance of budgeting before embarking on the home-buying process and outlines the significance of interviewing realtors and lenders.

Tune in to gain valuable insights and tips, and find out how to connect with Dave for more expert advice.

David is a Navy veteran and graduated from the US Naval Academy with a degree in Econ. He also has seven years of experience in the mortgage industry as a loan officer and underwriter. He saw a lack of accurate and detailed home buyer education online and decided to fill the void through his platform @coinsnculture. His goal is to break down the sometimes-complicated mortgage process into layman's terms and help people buy their 1st home strategically.

David also hosts House Rich: The Real Estate Show on YouTube and all podcast platforms. There he breaks down a mortgage topic weekly and also interviews a subject matter expert in various aspects of real estate.

Website: https://www.houserichshow.com/

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

Instagram: @houserichdave

YouTube: House Rich - The First Time Homebuyers Show

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[00:00] Rates likely to drop to around 6%.

[04:46] Market timing is impossible, refinancing is an option.

[10:04] Tips for finding affordable homes and property taxes.

[10:45] Calculate monthly payment based on property cost.

[16:07] Larger lenders have community perks and grants.

[18:37] Podcast on home buying guidelines and mortgage.

• 2024 housing market trends
• Interest rates and inflation impact
• Budgeting for a home purchase
• The importance of interviewing realtors and lenders
• Understanding real estate markets within markets
• First-time homebuyer mistakes
• Where to find more home-buying tips

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Copyright 2024 Tiffany Grant