Money Talk With Tiff

In this insightful episode, Tiffany Grant welcomes Justin Chastain, a seasoned Certified Financial Planner (CFP) and Accredited Financial Counselor (AFC). With a blend of personal anecdotes and professional expertise, Justin shares his journey into the world of financial planning, punctuated by the emotional experiences that shaped his career path—most notably, the impactful lessons from his late mother.

Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/financial-planning-with-empathy/

Justin's Journey

• Justin's personal story and why he chose to become a financial planner.
• The emotional drive behind his mission to help others manage their finances.

Living with Purpose

• The importance of aligning financial habits with personal values.
• The philosophy of “Don’t buy green bananas” and its meaning in financial planning.

Mental and Physical Health

• The interconnectedness of mental, physical, and financial health.
• How life events can influence financial habits and the importance of balanced living.

Choosing a Financial Planner

• Key questions to ask potential financial planners.
• Understanding fiduciary duty and transparency in financial advisory services.

Insights for Financial Well-being

• Balancing debt freedom with living a fulfilling life.
• Strategies for ensuring your financial choices align with your life goals.

• Justin emphasizes the importance of giving your dollar a purpose and empowering it to work for you.
• His expertise on making financial planning enjoyable and less daunting for clients.
• How to identify a trustworthy financial advisor and ensure their interests align with yours.
• Tiffany and Justin discuss the significance of being authentic both in life and in financial planning.

Justin Chastain, CFP, AFC

• Email: [email protected]
• LinkedIn: Justin Chastain
• Company: Parallel Financial

Tiffany Grant

• Website: Money Talk With Tiff
• Social Media: @moneytalkwitht

• Learn more about financial planning at Parallel Financial
• Subscribe to the podcast for more financial insights and advice.

Don't forget to subscribe, rate, and review the Money Talk With Tiff podcast. Share this episode with friends and family who might benefit from Justin's valuable financial planning insights.

In this enlightening episode, Tiffany Grant is joined by financial expert Justin Buonomo, who delves into the topic of biblical principles regarding money. Justin shares profound insights on how viewing money through the lens of spirituality can create clarity and direction in our financial lives.

Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/financial-prosperity/

Justin Buonomo is the visionary CEO & Founder of Journey to Financial Freedom, dedicated to empowering business owners to achieve their dream lifestyle through financial mastery. With a passion for helping business owners live their dream lives fueled and funded by their dream business, Justin believes in the transformative power of taking control of your financial destiny.

Principle #1: The Love of Money vs. Money Itself

Justin explains the often misconstrued Bible verse that states, "Money is the root of all evil," clarifying that it is the "love of money" or idolizing money over God that leads to problems.

Principle #2: Stewardship

Justin discusses the vital concept of stewardship, emphasizing that managing your current finances responsibly is key to being blessed with more. He asserts that God will not bless you with more until you can handle what you currently have properly.

Principle #3: Money as a Magnifier

Further, Justin elaborates on how money magnifies one's existing character and values. He encourages using money as a tool to further good causes and expand God's kingdom.

Personal Stories and Examples

Justin shares personal experiences, including his support for a school in Kenya that helps refugee girls, illustrating how properly managed finances can make a significant impact.

Key Bible Verses Referenced

1. 1 Timothy 6:10 - "For the love of money is the root of all evil..."
2. Matthew 6:24
3. Luke 6:38
4. Matthew 25:29

Follow Justin on Instagram: @justin_buonomo

Tiffany and Justin tie together the principles discussed, emphasizing the importance of understanding and applying these biblical concepts to foster not only personal financial success but also to contribute positively to the community and God's kingdom.

Website: MoneyTalkWithT.com

Social Media: @MoneyTalkWithT

Visit MoneyTalkWithT.com for access to all past episodes and resources.

If you enjoyed this episode, please subscribe and leave a review on your favorite podcast platform!

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Copyright 2024 Tiffany Grant

In this episode of Money Talk With Tiff, Tiffany Grant welcomes her mentor and friend, Steve Stewart. Steve delves into the intricacies of qualifying for a traditional mortgage without relying on a traditional credit score.

Listen in as Steve shares his personal journey of securing a mortgage with a zero credit score and the tools and strategies he used to achieve this. From leveraging utility payments to using tech solutions like eCredible and Experian Boost, Steve breaks down alternative pathways to building creditworthiness and securing a mortgage.

Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/mortgage-without-a-credit-score/

Steve Stewart is the Podcast Editor for some of the biggest indie personal finance podcasts like the Stacking Benjamins Show, Afford Anything, and the MilMo Show.

He also created the Podcast Editors Club, now with over 9,000 members, and co-founded the Podcast Editor Academy - which helps individuals build their own podcast services business.

If you’re looking for help with your podcast, Steve is there to support!

• What constitutes a traditional mortgage and the role of a FICO score.
• Steve’s personal experience of maintaining zero consumer debt since 2007.
• Importance of payment history and amounts owed as components of a FICO score.
• Introduction to tools like eCredable and Experian Boost to report alternative payment histories.
• The benefits and security of using debit cards for travel and daily expenses.
• Practical advice on focusing less on traditional credit scores and more on financial responsibility.

• eCredable: eCredable Website (affiliate link)
• Experian Boost: Experian Boost Website

• Website: SteveStewart.Me
• Social Media: @SteveStewartMe on all platforms

• Website: Money Talk With Tiff
• Social Media: @MoneyTalkWithT on all platforms

1. Explore the options available through eCredable and Experian Boost to build a non-traditional credit score.
2. Review your current debts and consider strategies to pay them off promptly.
3. Evaluate the benefits of using debit cards over credit cards for your personal spending habits.
4. Share this episode with someone who might benefit from understanding alternative ways to build creditworthiness.

Support this Podcast

Thanks for joining us on this insightful episode with Steve Stewart. Be sure to subscribe, rate, and review Money Talk With Tiff on your favorite podcast platform! If you have any questions or topics you'd like us to cover, drop us a message on social media.

In this episode of "Tiffany's Take," Tiffany Grant delves into the topic of moving out of the United States and becoming an expat. She shares her personal experiences, insights, and tips for those considering a similar move, using her own move to Jamaica as a reference point.

This episode is packed with practical advice on legal requirements, cost of living, healthcare, cultural differences, employment opportunities, and much more.

See full show notes here: https://moneytalkwitht.com/podcast-show-notes/tips-for-moving-abroad/

Visa and Legal Requirements

• Importance of understanding visa regulations and residency/work permit requirements.
• Specifics about Jamaica's visa policies and Tiffany's journey to obtaining citizenship by descent.

Cost of Living

• Compare the cost of living between your current location and the new country.
• Importance of budgeting for housing, food, healthcare, transportation, and unexpected expenses.
• Tiffany's personal experience with school costs in Jamaica.

Healthcare

• Researching the healthcare system and insurance needs in the new country.
• Tiffany's positive experience with healthcare in Jamaica, compared to the US.

Language and Culture

• The necessity of learning the local language and understanding cultural norms.
• The concept of the "American tax" and managing cultural perceptions.

Employment Opportunities

• Researching job prospects and understanding work permits in the new country.
• Considerations regarding tax implications of moving abroad.

Quality of Life

• Evaluating factors like climate, safety, and recreational activities.
• Conducting a trial visit to experience living in the new country before making a final decision.

Social Connections

• Building a social network through visits, local connections, and Facebook groups.
• Benefits of having local friends to assist with negotiations and integration.

Legal and Financial Planning

• Ensuring legal compliance, estate planning, and setting up banking arrangements.
• Tips on managing exchange rates and choosing the right currency for transactions.

• Website: moneytalkwitht.com/asktiffany
• Capital of Casual Facebook group for those interested in Negril, Jamaica.
• My new project for those interested in traveling to or moving to Jamaica: seejamayka.com

• Visit moneytalkwitht.com/asktiffany to submit your questions for future episodes.
• Consider joining local or expat Facebook groups like Capital of Casual for information and networking.
• Conduct thorough research and plan extensively before making an international move.

• Website:

In this enlightening episode of Money Talk With Tiff, host Tiffany Grant engages in a deep conversation with Dr. Darla Bishop on how she navigated through graduate school without incurring any new debt. Dr. Darla Bishop, a recognized authority in public health, shares her invaluable insights and actionable tips for anyone looking to save money while furthering their education.

See full episode show notes: https://moneytalkwitht.com/podcast-show-notes/navigating-grad-school/

Dr. Darla Bishop, affectionately known as the FinanSis, is the Founder of Finansis LLC, a boutique consulting firm based in Lansing, Michigan, and the author of How To Afford Everything.

Motivated by her own challenging childhood in Detroit, Dr. Bishop’s unique gift lies in her ability to motivate individuals to transcend limiting beliefs about wealth and cultivate a positive financial mindset. She firmly believes that empowering individuals with financial knowledge is pivotal in creating prosperous and resilient communities.

Choosing the Right Program

• Dr. Bishop emphasizes the importance of selecting a program that accommodates full-time work and schooling. She shares her personal journey of choosing a doctoral program built around working professionals.

Working for Your University

• Discover how working for your university can significantly reduce tuition costs. Dr. Bishop explains how her university's employee benefits could have covered 96% of her tuition.

Utilizing Scholarships and Assistantships

• Learn how to continuously seek out new scholarships, assistantships, and fellowships throughout your academic journey. Dr. Bishop provides tips on maintaining a strong GPA to unlock additional funding opportunities.

Covering Additional Expenses

• From books to travel for conferences, Dr. Bishop discusses the importance of seeking funds to cover non-tuition expenses. She encourages building relationships within your department to tap into available resources.

Leveraging Campus Housing and Resident Director Roles

• Explore the option of becoming a resident advisor or hall director to save on living expenses. Dr. Bishop outlines how these roles can provide free housing and additional stipends.

Bonus Tips from Tiffany

• Tiffany adds her own experiences on how to ask employers for support in attending conferences and other professional development opportunities.

• Dr. Darla Bishop’s website: HowToAffordEverything.com
• Downloadable email templates for requesting uncommitted funds

• Website: How to Afford Everything
• Instagram: @my_finansis
• Additional Resources: DarlaBishop.com

• Website: Money Talk With Tiff
• Social Media:

In this episode of "Tiffany's Take", Tiffany Grant delves into practical strategies to manage financial goals amidst economic uncertainties. A listener's question sparks an in-depth conversation on balancing budgeting, saving for emergencies, and investing for the future, even when expenses are high.

Check out the full show notes: https://moneytalkwitht.com/financial-planning/get-help/stability-in-economic-uncertainty/

Prioritizing Financial Goals

• List your financial goals according to urgency and importance.
• Focus on what's critical first—be it building an emergency fund, paying off debt, or investing.
• Resource: Goal Podcast Series

Creating a Flexible Budget

• Start with essentials like housing and utilities, then work down to other expenses.
• Implement the 50/30/20 rule or adjust percentages as needed.
• Resource: Budget Spreadsheet/Budgeting Blog Post

Automating Savings and Investments

• Set up automatic transfers to make consistent contributions without temptation.
• Pay yourself first, a principle even small amounts can embody.

Utilizing Financial Tools and Apps

• Budgeting apps like Mint, YNAB, or EveryDollar.
• Investment platforms such as Acorns for incremental investing.
• Resource: YNAB Affiliate Link

Staying Informed and Educated

• Stay updated on economic trends to adjust strategies.
• Example: Impact of changes in the Fed Funds Rate.
• Resource: Fed Funds Rate Explanation

Building an Emergency Fund

• Aim for 3-6 months of living expenses, but smaller incremental goals are also beneficial.
• Understand the peace of mind savings accounts offer.

Diversifying Investments

• Spread investments across different asset classes for risk mitigation and potential returns.

Staying Motivated

• Break down goals into manageable tasks and celebrate small victories.
• Practice mindfulness and stress relief techniques to combat financial anxiety.

Seeking Professional Guidance

• Consider consulting a financial counselor for personalized advice.
• Confidentiality in handling financial situations.

Actionable Tips

• Start listing and prioritizing financial goals today.
• Use available tools and automation to simplify your financial management.
• Stay aware of economic changes and adjust your strategies accordingly.

• Goal Series Episodes/Blog Posts: https://player.captivate.fm/collection/f541b716-4e97-4d19-b6da-a1e4d833877d
• Budget Spreadsheet/Budgeting Blog Post: https://moneytalkwitht.com/blog/budgeting-basics/
• Budgeting Apps:
• Mint,

In this enlightening episode of Money Talk With Tiff, Tiffany Grant is joined by Ray'Chel Wilson, a CEO, consultant, and keynote speaker, to discuss the concept of stewardship and its significance in our lives.

Ray'Chel breaks down stewardship into internal and external facets and emphasizes the importance of taking good care of what we have been given, ranging from our bodies to our finances and the institutions we support.

For the full show notes: https://moneytalkwitht.com/podcast-show-notes/stewardship-raychel-wilson/

Ray’Chel Wilson is not your regular teacher. She is a self proclaimed Teacher 2.0, challenging the norms of education and what it means to teach the whole person.

Honored as one of the top “20 Under 20” teachers across the state of Oklahoma for excelling on the front lines of the classroom, Ray’Chel finds educating about holistic financial wellness and closing the racial & gender wealth gaps, as a central part of her mission.

Originally from Ohio, Ray’Chel moved to Black Wall Street, Tulsa, in order to teach high school biology to over 500 students and counting, while also blazing her own path to wealth as a first-generation entrepreneur. After achieving huge financial milestones, like leveraging cryptocurrency profits to pay off her undergraduate student loans, Ray’Chel birthed Raise the Bar Investments. 

Introduction to Stewardship

• Definition and importance of stewardship from an internal and external perspective.

Internal Stewardship

• Treating our bodies well by giving them the necessary vitamins and minerals.
• Developing a healthy money mindset.

Financial Stewardship

• Ray'Chel's Black Wealth Freedom series, which focuses on holistic personal finance education and its impact.

Four Pillars of Wealth Building:

1. Healthy Money Mindset
2. Value-Based Budgeting
3. Upskilling for Higher Earned Income
4. Investing for Wealth Creation

Upskilling for Success

• Importance of continuous learning and adapting to emerging trends like SEO and artificial intelligence.

Ray'Chel's Work and Services

• How Ray'Chel helps corporate and nonprofit teams with productivity, team communication, and personal finance through workshops and keynote speeches.

For Our Last Names App

• Introduction to the For Our Last Names app, which aims to empower first-generation wealth builders.

• For Our Last Names Website: https://forourlastnames-io.ck.page/sign-up
• Black Wealth Freedom Series: https://rtbinvestments.org/products/black-wealth-freedom-series-3-book-bundle

Ray'Chel Wilson Contact Information

Email: [email protected] | [email protected]

• Website: MoneyTalkWithT.com
• Instagram: @moneytalkwitht
• Twitter:

In this episode of Money Talk with Tiff, Tiffany Grant dives into the increasingly common phenomenon of boomerang kids—young adults who return to live with their parents after a period of independence. Tiffany answers a listener's question about what boomerang kids are and explores the financial and emotional implications of this living situation for both parents and young adults.

She provides valuable advice on setting clear boundaries, creating financial plans, encouraging independence, balancing support with responsibility, and maintaining open communication. Whether you're a parent or a boomerang kid yourself, this episode is packed with practical tips and insights to help navigate this family dynamic smoothly.

For full show notes: https://moneytalkwitht.com/financial-planning/teaching-kids/boomerang-kids-strategies/

• Introduction to Boomerang Kids: Understanding who they are and why this phenomenon is becoming more common.
• Financial Impact on the Family: How having boomerang kids can affect the family's finances and what parents can do to manage this.

Tips for Parents and Boomerang Kids

• Set Clear Boundaries: Importance of establishing expectations and ground rules early.
• Create a Financial Plan: Encouraging boomerang kids to have clear financial goals and timelines.
• Encourage Independence: Helping young adults work towards regaining their independence.
• Balance Support with Responsibility: Finding a balance between offering financial help and ensuring accountability.
• Open Communication: Keeping the dialogue open to address concerns and adjust plans.
• Strengthening Family Bonds: Viewing the situation as an opportunity to strengthen family relationships and teach valuable financial lessons.

If you have a financial question you'd like Tiffany to answer, visit: www.moneytalkwitht.com/asktiffany.

Share your experiences with boomerang kids by reaching out to Tiffany on social media @moneytalkwitht or via email.

Don’t forget to subscribe and leave a review if you enjoyed today’s episode.

• Website: moneytalkwitht.com
• Social Media: @moneytalkwitht

Support this Podcast

Thank you for tuning in to Money Talk with Tiff. Until next time, spend wisely and take care!

Copyright 2024 Tiffany Grant

In this enlightening episode of Money Talk With Tiff, Tiffany Grant sits down with Octavia Conner, a seasoned expert in business accounting and finance, to discuss essential tips for business owners who may have neglected their books.

Whether you’re a newbie entrepreneur or a seasoned business owner, this episode is packed with valuable insights to help you maintain accurate and reliable financial records. Discover how to choose the right accounting system, the importance of training, and how understanding your business structure can impact your finances and taxes.

Check out the full shownotes here: https://moneytalkwitht.com/podcast-show-notes/small-business-finance-seasoned-entrepreneurs/

• Importance of having an accounting system
• Tips for choosing the right accounting software
• Why professional training or hiring out accounting tasks is crucial
• Understanding business structures and their tax implications
• Importance of having a financial strategy and cash flow forecast

Octavia Conner is a Fractional CFO and the leading business finance expert behind Say Yes to Profits. She specializes in helping small business owners maintain financial health and profitability. Octavia brings a wealth of knowledge and actionable tips to the table, aimed at helping entrepreneurs thrive financially.

• Say Yes To Profits Website
• Free Cash Flow Mastery Toolkit
• Say Yes To Profits Podcast
• Follow Octavia Conner on Instagram: @octaviaconnorCFO
• Octavia's YouTube Channel: https://www.youtube.com/c/OctaviaConner/shorts

• Website: Money Talk With Tiff
• Instagram: @moneytalkwitht
• Twitter: @moneytalkwitht
• Facebook: Money Talk With Tiff

• [00:00] Tiffany introduces the topic and guest, Octavia Conner.
• [00:54] Octavia discusses the importance of having an accounting system for all businesses.
• [02:33] Tips for choosing the right accounting software.
• [05:04] The importance of hiring a professional for accounting tasks.
• [06:05] Understanding business structures and their financial implications.
• [08:10] Octavia's tip on having a financial strategy and cash flow forecast.
• [09:34] Final words and how to connect with Octavia Conner.

If you enjoyed this episode, please subscribe to the Money Talk With Tiff podcast and leave a review on your favorite podcast platform. Your feedback helps us improve and reach more listeners.

In this episode of Tiffany's Take, Tiffany Grant draws powerful lessons from flight attendants' vital safety instructions and applies them to personal finance. Join Tiffany as she explores how securing your own financial "oxygen mask" first can help you manage your money more effectively and sustainably. Discover practical tips and essential strategies to ensure financial stability while responsibly helping others.

Check out the full shownotes: https://moneytalkwitht.com/podcast-show-notes/lessons-from-flight-attendants/

Prioritize Your Financial Safety

• Think of an emergency fund as your personal oxygen mask.
• It's a safety net for unexpected expenses like job loss or medical bills.

Budget for Stability

• Consider your budget as a seatbelt that keeps you financially secure.
• Track your spending to understand where your money goes and make it work for you.

Invest in Yourself First

• Contribute to your retirement and savings plans before offering financial help to others.
• Even small, consistent savings can make a big difference.

Learn to Say No

• It's okay to decline financial requests that don't align with your goals.
• Offer advice or other forms of support instead of financial help if necessary.

Stay Informed and Calm

• Educate yourself on financial matters to make informed decisions.
• Knowledge is your co-pilot to financial freedom.

Ask Tiffany a Question

Have a money question? Submit it at www.moneytalkwitht.com/asktiffany and you might hear it answered on the podcast!

Voice Memo Feature

Leave a voice memo with your question or story to be featured on the podcast.

Subscribe and Review

Don't forget to subscribe to the podcast and leave a review! Also, sign up for the newsletter on the website for more great financial tips.

• Website: moneytalkwitht.com
• Social Media: Follow Tiffany on all social media platforms @moneytalkwitht
• Newsletter: Tiffany is back to sending a weekly newsletter packed with valuable information. Sign up on the website to stay updated.

Thank you for tuning in to this week's episode of Money Talk With Tiff! Keep your finances flying high and steady, and we'll catch you again next week.

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Copyright 2024 Tiffany Grant