Are you overwhelmed by your credit card debt and unsure where to even begin? You're not alone! In this episode of the Thank Me Later Show, CPA and money coach Jini sits down with her cousin Tina, who recently completed the Thank Me Later Credit Card Repayment Course and is on track to save over $8,000 in credit card interest fees using the exact strategies shared in the program.Tune in to learn how to get full visibility of your balances and interest rates and how to negotiate with credit card companies for better terms (yes, it’s possible!). You’ll also hear how to avoid getting stuck in fear and shame, and how to push past those emotions to unlock not only financial freedom, but emotional peace.If you tune into this episode of the podcast and apply the tips, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #creditcarddebt #financialfreedomSTAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ ______RESOURCES: Join the TML Community: https://www.thankmelatermoney.com Get access to the Credit Card Debt Repayment Course at thankmelatermoney.com/debt _____TIMESTAMPS:2:00 - Why credit card debt feels overwhelming7:17 - The first step of tackling your credit card debt 9:16 - How to negotiate your interest rates with your credit card company 13:20 - How making more money can help with your debt payoff goal 14:55 - Tina’s #1 tip 15:46 - How the TML program has transformed Tina’s finances 18:29 - How to push past the overwhelm and fear to tackle the debt19:41 - Setting boundaries with yourself and other on your credit card journey

Does your business look good on paper but leave you feeling financially strapped? You're not alone, and it's time to understand why!In this episode of the Thank Me Later Show with Jini, we bring together three expert CPAs, each with 20+ years of experience in the entertainment industry, to tackle this issue head-on. Tune in to discover why every business owner, regardless of industry, absolutely needs a trusted accountant, and how to hold your accountant accountable to ensure your financial health. We’ll unpack what your finances are really saying about your business, moving beyond the surface to reveal the true story of your cash flow and profitability. This isn’t just another talk about taxes—it’s a behind-the-scenes look at how high-earning businesses still feel broke, and what to do about it. If you’ve ever wondered why your profits don’t match your bank balance or how to position your business for sustainable growth, this episode is a must-listen.If you tune into this episode of the podcast and apply the tips, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #entrepreneurship #entrepreneurmindset #businesstips #growyourbusiness STAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ ______RESOURCES: Join the TML Community: https://www.thankmelatermoney.com Check out the Entrepreneur podcast playlist: https://www.youtube.com/playlist?list=PLMZGn9VLVoiBDT1ljB7SXvDzP84YbtoVG _____TIMESTAMPS:4:20 - Why every business owner, including accountants need an accountant 6:51 - The bare minimum financial information to track as an entrepreneur 9:06 - Do you need an accountant and a tax advisor/tax preparer?10:43 - The best strategy to get out of financial survival mode14:18 - When it’s time to hire an accountant as an entrepreneur 17:31 - How to hold your accountant accountable 22:00 - What is cashflow in your business 25:11 - Understanding what your finances are showing you about your business 28:03 - Putting yourself in position to borrow money in your business to scale 30:36 - Is it worth it to hire a Fractional CFO?33:32 - Outsourcing finance tasks in your business38:40 - How to know when you’re financially ready to expand in your business

Are you a celebrity, influencer, or student athlete with a lucrative NIL deal, wondering how to truly secure your financial future? Many in the entertainment industry go from riches to rags, but you don't have to be one of them. In this episode of the Thank Me Later Show with Jini, three seasoned CPAs with over 20 years of experience in the entertainment industry, who’ve worked with big names like Ludacris, Ceelo Green, and Ari Lennox, break down the financial essentials every student athlete, influencer, and rising celebrity needs to know. From the real reasons celebrities go broke and how to avoid it, to how to set financial boundaries with friends and family - this is the financial literacy masterclass you can't afford to miss.If you tune into this episode of the podcast and apply the tips, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #entertainmentindustry #NIL #NILdeals #nameimagelikeness #influencer #entrepreneurshipSTAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ ______RESOURCES: Join the TML Community: https://www.thankmelatermoney.com Check out the Entrepreneur podcast playlist: https://www.youtube.com/playlist?list=PLMZGn9VLVoiBDT1ljB7SXvDzP84YbtoVG _____TIMESTAMPS:3:21 - What student athletes need to know about NIL deals 7:04: - How to establish financial boundaries with family 11:17 - Average takehome pay for someone in the sports or entertainment industry 15:10 - The best way that coaches can teach their student athletes about money18:33 - How people in the entertainment industry goes broke22:49 - How to be financially responsible with NIL deals29:49 - The tax traps that catch celebrities off guard37:43 - Advice for women in sports who feels pressured to keep up with an "aesthetic" 44:00 - The importance of talking to a trusted advisor 44:50 - When should influencers set up an LLC?

Ever wonder if combining marriage and entrepreneurship is a recipe for disaster or a pathway to success? In this episode of the Thank Me Later Show, Jini sits down with her husband David to talk about their entrepreneurship journey as a couple. They’ve been married for over 30 years and have successfully built multiple businesses together. Tune in to hear their invaluable advice for entrepreneurial couples – including separating personal and business life, scheduling dedicated business time, and the importance of stepping away from work to strengthen your bond. Whether you're just starting out as a couple in business or looking to refine your existing partnership, this episode is packed with real-world wisdom and actionable tips from seasoned entrepreneurs who've mastered the art of balancing love, life, and enterprise. If you tune into this episode of the podcast and apply the tips, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #entrepreneurship #entrepreneurmindset #entrepreneurialcouple #marriageandbusiness______STAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ Connect with David:http://collectivesuccesscenter.comhttps://www.instagram.com/cscsouthatl/ ______RESOURCES: Join the TML Community: https://www.thankmelatermoney.com Check out the Entrepreneur podcast playlist: https://www.youtube.com/playlist?list=PLMZGn9VLVoiBDT1ljB7SXvDzP84YbtoVG _____TIMESTAMPS:2:24 - The origins of Jini and David’s relationship and entrepreneurship journey 8:25 - Advice for separating personal and business in a marriage 12:01 - How to avoid stepping on each other’s toes 14:58 - Having a strong foundation 17:12 - Does business take away from a personal relationship? 19:56 - Why it’s important to schedule time for the business 24:22 - How to handle disagreements about money26:55 - Having a winning mindset in your relationship 29:10 - Playing up your partner’s strengths 31:50 - How to know if you and your partner are compatible in the business35:04 - Advice for juggling kids and building a business 41:08 - Core fundamentals of a lasting business and marriage

Ever wonder what really goes on behind the scenes of those massive music catalog deals?In this powerful conversation on the Thank Me Later Show with Jini, we speak with entertainment attorney Uwonda Carter — whose client roster includes chart-topping artists and major labels. She reveals what REALLY happens behind the scenes of music catalog deals, including how these deals are structured, what kinds of royalties and rights are on the table, and how future earnings from hit records are forecasted and negotiated.We also explore surprising factors that influence catalog sales, like marriage and divorce, and how life decisions intersect with business outcomes. Uwonda shares what it’s like being a woman navigating a male-dominated industry, and the life lessons she's learned from decades of working at the intersection of creativity, commerce, and law.Whether you're an artist, producer, entrepreneur, or simply someone who wants to understand how intellectual property becomes legacy, this episode is packed with real talk, legal gems, and actionable insights.If you tune into this episode of the podcast and apply the tips, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #musiccatalogs #musicproducer #recordingartist #entertaimentattorney #musiccatalogdeals #musicroyaltiesSTAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ Connect with Uwonda:https://carterwoodard.com/ https://www.instagram.com/uwondacarter/ https://www.linkedin.com/in/uwonda-carter-81b78467/ ______RESOURCES: Join the TML Community: https://www.thankmelatermoney.com Check out the Entertainment Industry podcast series: https://youtube.com/playlist?list=PLMZGn9VLVoiDjx4xOiX_BrsHmDlJFhIPd&si=WmHGglN9hJx_D__D _____TIMESTAMPS:4:34 - How Uwonda got started in the entertainment industry 12:12 - How to find a lawyer before singing a deal (and how Uwonda started working with Lil Yachty)16:07 - What does it mean when an artist sells their music catalog?19:58 - The different types of catalogs and royalties 26:43 - Imagine a catalog deal upwards to $50 Million!28:11 - Did you know future earnings from records can be included in music catalog deals 30:02 - What it feels like to sit at the table when deals are being made 34:18 - Advising against a catalog sale 36:05 - An average advance for a producer in 202543:16 - How working in the entertainment industry changed how she sees fame, money, and success?51:32 - Being ready for a windfall of money56:19 - Being a woman in the entertainment industry1:08:32 - How marriages and divorces play a part in catalog sales

What would you do if an unexpected expense hit tomorrow — are you truly prepared?In this episode of the Thank Me Later Show, we break down how to create an emergency savings fund that gives you peace of mind and financial flexibility when life throws you a curveball.We cover everything from learning how to automate your savings so it builds effortlessly over time to the importance of having rules around when and how to use your savings. Whether you’re just getting started or looking to strengthen your financial safety net, this episode will help you take actionable steps to build a sustainable emergency fund.If you tune into this episode of the podcast and apply the tips, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #emergencysaving #savingfund STAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ ______RESOURCES: Join the TML Community: https://www.thankmelatermoney.com Get access to the Credit Card Debt Repayment Course at thankmelatermoney.com/debt _____TIMESTAMPS:3:20 - Start with a goal 3:53 - Automate your savings4:07 - Separate your savings5:20 - Find extra money in your budget 6:47 - Have a plan for windfall money 8:40 - Establish rules about when you can take from your savings

Do you want to have an unforgettable summer without draining your wallet?In this episode of the Thank Me Later Show with Jini, we’re diving into smart, budget-friendly ways to make the most of the season! From simple summer budgeting strategies and money-saving food tips to creative low-cost activities, free local events, and how to find those hidden gem discounts and summer passes — we’ve got you covered.Whether you're planning staycations, day trips, or just looking for affordable family fun, this episode will show you how to maximize your summer joy without minimizing your bank account.If you tune into this episode of the podcast and apply the tips, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #moneytips #personalfinance #summersaving #summerbudget STAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ ______RESOURCES: Join the TML Community: https://www.thankmelatermoney.com Get access to the Credit Card Debt Repayment Course at thankmelatermoney.com/debt _____TIMESTAMPS:2:49 - How to budget for your summer 4:14 - Be open to low cost or free options 5:18 - Have you considered a staycation?6:30 - Smart food strategies 8:30 - Summer passes and discounts 11:00 - Saving in advance

Are you a 9th, 10th, or 11th grader (or their parent) wondering how to pay for college without breaking the bank? In this powerful episode of the Thank Me Later Show with Jini, we speak with Lenora Jackson, a Financial Aid expert who dives deep into early financial aid strategy, revealing why starting the process now can save you thousands! We'll demystify the college funding landscape, explaining the crucial differences between need-based financial aid and merit-based financial aid. Learn practical steps on how to calculate the true cost of college and discover powerful ways students can position themselves to get more financial aid, starting as early as the 9th grade. Don't wait until senior year – equip yourself with the knowledge to make smart financial decisions for your future! Tune in to learn how early planning can lead to more scholarships, grants, and a less stressful path to your dream college. If you tune into this episode of the podcast and apply the tips, I promise that you will #thankmelatershow! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #financialaid #lenorajackson #scholarships #financialaid #fafsa #college ______STAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ Connect with Lenora:https://www.linkedin.com/in/lenora-jackson-8833347/ ______RESOURCES: Join the TML Community: https://www.thankmelatermoney.com Get your TML Scholarship Organizer: https://thankmelatermoney.myshopify.com/collections/shop/products/scholarship-organizer Check out TML’s Financial Aid & Scholarships Podcast Playlist: https://youtube.com/playlist?list=PLMZGn9VLVoiBwEDe60DlAgBC4MUSQmxSJ&si=Ex0zKeFcYSbGszh1 _____TIMESTAMPS:4:54 - Why it’s important to start the financial aid process early8:05 - The role of parents in the financial aid process 11:22 - How can students position themselves to get more aid 14:17 - Need based financial aid vs. merit based financial aid 16:32 - Why are student loans on a financial aid award letter?18:18 - How does a 529 plan impact financial aid?20:43 - Did you know that some companies offer scholarships for their student employees?23:40 - What happens when students don't get enough financial aid for college25:52 - Should consider a community college transfer strategy?28:50 - How to calculate the cost of college 34:24 - The power of state schools 39:59 - Why it’s important to for students to be involved in extracurricular activities and community service41:13 - Did you know that parents don’t have the right to access their college student’s information?45:40 - Lenora’s top tips

Have you ever imagined what it's truly like behind the velvet ropes of the music, TV, and film industries? In this captivating episode of the Thank Me Later Show with Jini, we pull back the curtain with entertainment attorney Keisha Perry-Walker, as she shares invaluable life and business lessons gleaned from her extensive career.Whether you're an aspiring artist, an entertainment professional, or simply curious about the inner workings of Hollywood, this episode offers a rare, unfiltered look. Keisha dives deep into critical topics such as understanding music publishing, common misconceptions about the entertainment industry, how technology is transforming the business, the emotional toll of working with high-profile celebrities, and more.Keisha's insights are not just for those in the entertainment world; she offers powerful takeaways on resilience, negotiation, and navigating complex professional relationships that are applicable to any career path.If you tune into this episode of the podcast, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #financialaid #keishaperrywalker #entertainmentlaw #entertainmentbusiness #businessofentertainment #entertainmentattorney #entertainmentlawyer STAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ Connect with Keisha:https://www.instagram.com/keishaperryesq https://www.linkedin.com/in/keisha-r-perry-walker-esq-52215a6/https://perrylawgroup.com/ ______RESOURCES: Join the TML Community: https://www.thankmelatermoney.com Check out our Lessons From The Entertainment Industry Podcast Playlist: https://youtube.com/playlist?list=PLMZGn9VLVoiDjx4xOiX_BrsHmDlJFhIPd&si=i0XFnDcZL6OB9f-e TIMESTAMPS:6:22 - Keisha’s journey to the entertainment industry 9:39 - what is Publishing in regards to the music business 11:39 - Misconceptions of the entertainment industry 13:30 - The emotional tax of working with celebrities15:57 - A pivotal moment in Keisha's career 18:01 - The importance of surrounding yourself with community 22:18 - Questions you need to ask before engaging an attorney 23:45 - How technology has changed the entertainment industry 28:57 - Rookie mistakes that talent should avoid 32:45 - Fame misconceptions36:14 - How Keisha stays grounded

Are student loans holding you—or your child—hostage?The student debt crisis in the US is now nearly $2T, affecting more than 45 million Americans across race, gender and socioeconomic background. While traditionally referred to as “good debt”, these days, more and more graduates are having a bad experience once they make it across the stage and into the repayment period, which begs the question: Is it a good idea to take on student loans in this day and age?In this powerful episode, we sit down with Briana Franklin, financial wellness advocate and creator of UnDEBTfeated, who is leading the movement to break the cycle of predatory lending, including student loans.Briana dives deep into the truth behind the student loan system—what borrowers really need to understand before signing the dotted line—and how families can protect themselves from long-term debt traps.Don’t sign anything until you hear this! Empower yourself with the knowledge to make smarter, safer decisions for your financial future.If you tune into this episode of the podcast and apply the tips to leave student loan stress behind, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #studentloans #studentloan #prosparityproject #Undebtfeated #brianafranklinSTAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ Connect with Briana:https://brianabfranklin.comhttps://www.instagram.com/brianabfranklinhttps://www.linkedin.com/in/briana-b-franklin______RESOURCES: - Join the TML Community: https://www.thankmelatermoney.com - Check out TML’s Financial Aid & Scholarships Podcast Playlist: https://youtube.com/playlist?list=PLMZGn9VLVoiBwEDe60DlAgBC4MUSQmxSJ&si=Ex0zKeFcYSbGszh1 - Get your TML Scholarship Organizer:https://thankmelatermoney.myshopify.com/collections/shop/products/scholarship-organizer Briana’s Resources: https://www.youtube.com/@undebtfeatedhttps://www.wsj.com/finance/banking/goldman-sachs-removes-mentions-of-black-from-flagship-diversity-pledge-3110861e?mod=hp_lead_pos10______TIMESTAMPS:4:45 - The racial disparities with student loans8:01 - How Briana racked up nearly $120K of student loans 11:16 - The misconception of student loans14:56 - The history of student loan ballooning into a huge economic problem 18:12 - The slippery slope of Parent Plus loans 19:58 - Student loans on the financial aid award letter 22:19 - What happens to Parent Plus loans if your student doesn’t graduate 23:34 - What happens if someone becomes disabled and pass away 25:43 - What should parents know about co-signing on student loans 31:15 - Navigating student loans in 202533:56 - A strategy for navigating Parent Plus loans 37:53 - Consider this strategy if college is the goal 43:50 - Tips if you are drowning in student loan debt