This week we have one of our favorites, Tiffany 'The Budgetnista' Aliche, on to talk about her new book, "Getting Good With Money". This is Tiffany's third time on the podcast because she is that good!

Tiffany was on just a year ago to talk about her children's book, "Happy Birthday Mali More". She is now working on the animated version of Mali and her Youtube channel for those stories.

The subtitle to "Get Good With Money" is '10 Simple Steps To Becoming Financially Whole'. This book gets back to the basics of financial education. Financial education is so important to Tiffany she even helped create a law to get financial education to be a part of Middle Schools in New Jersey.

Tiffany gives some easy tips on improving your credit score. Designate a credit card for one specific small bill every month and pay it off in full. She also explains how to piggy back onto someone else's credit too.

For budgeting, Tiffany shares ways to budget without budgeting. You can set up direct deposits into four separate accounts. Two checking accounts - one for spending and one for bills. Two savings accounts - one for emergencies and one for goals. Split it before you get it.

Tiffany wrote this book thinking of people who are differential learners. Being a teacher, she always thought of all the different ways and levels of knowledge that people reading this will have.

Tiffany also shares all about the different people that might be a part of your financial team. Even if you don't need all the different team members, you should have an accountability partner. Whether it's a spouse or parent or close friend, you need someone who will support you and not shame you.

In addition to questioning to whether or not you need a CPA or an Estate Planner, you also need to see if they will be a good fit. She gives tips and things to look for and ask yourself before hiring someone.

Tiffany attributes her gift of teaching to the 10 years she spent teaching preschool. It was all about teaching those basics and she learned how to best navigate all of their different levels. It makes her very affective now with adults who are at all levels.

We also talked about the gender wealth gap and the racial wealth gap. It's frustrated being underpaid doing the same things as other people doing the same things.

Tiffany shares a little about her financial picture. She also tells us about an experience she went through in possibly taking money out of her home. It's commonly known that black homeowners get appraised at a lower rate.

The appraisal Tiffany got back seemed low. She got another opinion. Someone from the New York Times did a story about it. After getting an independent appraiser to come and give another appraisal, they found that the first appraiser did some things that were definitely not accurate.

Tiffany shares about how because of the bad appraisal and not taking that money and investing into it then i...

Get Good With Money with Tiffany 'The Budgetnista' Aliche

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