Credit...what an overwhelming and new concept for so many of us! The next step in our financial awakening is recognizing the power of credit- having it and utilizing it. Whether you are in your early years or later years, your credit score and credit usage are used to judge your worthiness in the financial world! So what exactly is credit? How is it calculated? What are some common pitfalls we can avoid? 

In this episode, we start with a couple of quick and easy to implement lessons on how to adjust our money mentality and start practicing the art of saving. Using a simple example with our imaginary friend Suzie, we talk about spending habits- including some subconscious habits that we may not even realize we have.

As always, feel free to join in the conversation by hitting me up on Instagram (TopherTalks2020), Twitter (topher_w_grace) or via email @ [email protected]. 

Money! What a heavy topic to get into! April is Financial Literacy Month- and what a better way to kick it off than with a Topher Talks session?! In this 1 of 4 series, we start off discussing one of the wealth gap barriers- generational ignorance. Our first connection with money starts right at home. What was your life like growing up? Can you sit back and think of what the relationship with money was like for your parents? For your grandparents? How did those impressions impact the way you interacted with money? 

Just a quick chat with one of my favorite little guys- we are all going a little 'Rona stir crazy so thought we would have some fun with a questionnaire! 

Final episode in our trans-discussion. Listen to me discuss my trans-experience moving into different bathrooms, discussing my transition with my family and surviving coming out on an endless loop to different groups of people.  

A tete-a-tete with my favorite lady discussing her experience during my transition.