Lemme Find Out - Featuring Tiffany "The Budgetnista" Aliche

Summary

The Friend Zone Podcast

Episode: "Lemme Find Out" (Featuring Tiffany "The Budgetnista" Aliche)

Date: March 25, 2026
Hosts: Dustin Ross, Hey Fran Hey, Assanté
Guest: Tiffany "The Budgetnista" Aliche

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Episode Overview

This episode, timed with the upcoming Financial Literacy Month, welcomes back Tiffany "The Budgetnista" Aliche, renowned financial educator and author of Get Good With Money. The episode centers on financial wellness, practical money management, and how to build a resilient financial foundation despite today’s fraught social and economic climate. Tiffany shares actionable steps for navigating debt, saving, investing, and community care—delivered in her signature, down-to-earth, no-nonsense style. Listener questions drive much of the episode, making it highly practical and directly relevant to current struggles faced by the audience.

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Key Discussion Points & Insights

1. Political Frustrations and Money at the Airport (01:17–05:30)

• The episode kicks off with a fiery, unfiltered political rant about the lack of funding for TSA workers, connecting it to broader issues of voter suppression and political gamesmanship.
• Fran rails against Republican efforts to tie TSA funding to the controversial SAVE Act, which targets voter ID laws and disproportionately impacts women and voters of color.
• “That’s what inspired this whole rant. I want people to understand all that neutral shit or, you know, lesser of two evils, whatever. Only one of them motherfuckers got your ass standing in six and seven hour lines at the airport.” (Fran, 04:08)

2. Black-Owned Bookstores and Community Wealth (06:12–09:59)

• Dustin highlights the launch of the first-ever national directory for Black-owned bookstores by the National Association of Black Bookstores (NAB2).
• Kevin Johnson (ex-NBA star, ex-mayor) spearheaded the effort, inspired by his mother's legacy with Underground Books.
• “This collective came together and...created a massive database that is clearly much needed so that we can look into it, see what bookstores we can support.” (Dustin, 08:35)
• Fran suggests visiting Black bookstores as a unique and meaningful date activity.

3. Recap & Listener Engagement (10:27–37:59)

Memories and Time

• Recap of previous episodes, including discussions on time perception, adult routines, and ways to “pour more joy” into life (11:30–12:42).
• The hosts read and riff on listener comments—ranging from learning to drive to car-buying negotiation wins and the quirks of AI apps.
• Humorous and real discussions about double-dutch, driving laws in different states, and driving culture in Atlanta and Maryland.
• Dip into ChatGPT/AI assistant “friendship” and privacy issues. “You could have text me, right?” (Dustin, 33:42)

4. Introduction To Financial Literacy Focus (42:57–43:38)

• Announce that April is Financial Literacy Month and salute the paperback release of Tiffany’s Get Good With Money.
• Tiffany’s career arc: from teacher to bestselling author and financial influencer.
• “I like to call myself America’s favorite financial educator...Honestly, it’s been 16 years and I’ve been teaching largely women, but you know, the man I’d be in here too sometimes, about how to master your money in a way that really aligns with how you want to show up with life.” (Tiffany, 44:32)

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Tiffany "The Budgetnista" Aliche Segment

(43:29–151:36)

Tiffany’s Philosophy & Impact

• Focuses on using money for joy, community, giving, rest—not just “money for money’s sake.”
• Get Good With Money has sold 400,000+ copies.
• She was initially hesitant about having her face on the cover, but her publisher encouraged her: “But 400,000 copies later, the answer is hello.” (45:51)

Navigating a World “On Fire” – Mindset & Practice (49:36–54:56)

• Tiffany admits to feeling anxious about the current economic and social climate, limiting her social media use for her mental health.
• Stresses living below your means, building a financial foundation for difficult times, and seeing downturns as opportunities to invest (“stocks are on sale”).
• “Money is not burned...When a group of people in mass are losing money, that means another group in mass is gaining. Why are you not on that side?” (51:41)
• Example of seizing opportunity: Tiffany buys a neighboring condo at an excellent price due to being prepared and liquid.

Overcoming Hopelessness & “What’s the Point?” (56:05–59:20)

• Encourages listeners to resist the despair narrative; tides always turn.
• Shares her own experience rebounding from losing her condo in 2008 to now owning four properties.
• “The only time that it’s over is if you’re not here...the tide turns and you want to be ready for the turn.” (57:30)
• “You get to mine for joy...I will dig through my life with the little pickaxe to find the joy gems...and know that times like these won’t always be like this.” (58:29)

Practical Financial Shifts (59:20–65:25)

• Seek help: Consider consulting a Certified Financial Planner (CFP)—the “Harvard trained professor” of finance.
• Don’t be afraid to leverage free online communities.
• Build up your emergency fund (6–12 months for entrepreneurs).
• Lean on community: Co-habitate, “Golden Girls”-style if needed.
• “Automation is the new discipline”—use auto-splits with payroll for different financial goals.

Best Places to Keep Emergency Funds (63:14–67:44)

• Use a High Yield Savings Account (HYSA)—typically online-only banks with higher rates and FDIC insurance. Move only if you find one at least a full percentage point higher than your current account.
• Inconvenience is a feature, not a bug: Delayed transfers help prevent impulsive withdrawals.
• Keep only a small (~$1,000 or less) liquid in traditional bank savings for instant access emergencies, and the rest in HYSA. Past 6 months (or 12 if self-employed), consider investing the rest.

Investing Ethically & Consciously (75:05–79:14)

• Struggle: How to invest without supporting companies or industries out of line with one’s values (war, surveillance tech, etc).
• Solution: Look for “conscious funds”—women-owned funds, green funds, or funds screened for your chosen values.
• “...You can ethically, consciously invest...it may take a little longer, which, when you quote unquote do the right thing, it usually does...” (78:16–78:58)
• Advisors can help screen and build a values-driven investment plan: use tools like YourMoneyMatch.com.

Four Core Bank Accounts & Automation (87:43–92:18)

• Two Checking: One for bills (automate payments, keep separate from debit for daily expenses), one for spending.
• Two HYSA Savings: One for emergencies, one for short-term (1–3 year) goals.
• Automate splits via payroll—“split it before you get it.”
• Don’t try to power through on discipline alone—automation is your friend.

The 10 Pillars of Financial Wholeness (93:23–102:52)

Tiffany frames her approach around 10 key steps:

1. Budgeting: Automate splits (“split it before you get it”)
2. Savings: Prioritize juicy HYSA, make saving inconvenient.
3. Debt: Snowball or Avalanche Method; use surprise/incremental funds to chip away.
4. Credit: Automate bill payments. 35% of your credit score is on-time payments.
5. Income: Raise negotiations (leverage a "Go Me" brag book), monetizing your unique skills.
6. Investing: Use target-date funds in retirement accounts if available.
7. Insurance: Use tools like Policy Genius to identify needs (renters, health, pet, disability).
8. Net Worth: Regularly calculate “what you own minus what you owe.”
9. Financial Team: Seek accountability buddies; seek out a CFP.
10. Estate Planning: Keep beneficiaries updated (can assign percentages), consider a trust as your wealth grows.

• “Every year I try to say there’s one thing I’m going to master financially this year. Like I might be like, I’m just going to set up my bills account this year...” (104:00)

Listening to Listeners: Practical Q&A Highlights

A sample of listener questions addressed:

• How to handle emergencies versus debt repayment?
  “Both. Don’t drain your emergency account to pay off debt...if you don’t have enough in emergency, focus on that as your primary goal…” (120:31)
• What if I’m broke or broke-broke?
  “Cut everything except health and safety. It’s ok to be late on some bills. Credit can recover. Lean on your community, ask for help.”
  (105:03–109:08)
• Should you pay off debts after they fall off your credit report (7 years)?
  “Official answer: yes. Unofficially, after two years, those debts don’t hurt your score much...focus on newer debt if prioritizing.” (112:30)
• Saving for elderly parents’ care:
  “Long-term care plans are expensive...have open conversations with siblings and parents...consider a family trust if you have assets over ~$500K.” (129:20)

Real-Life Examples, Joy, & Wealth as Community Care

• Tiffany shares how she uses her wealth to uplift others, from paying off her parents’ house to funding her nieces’ and nephews’ education, to supporting nonprofit classrooms: “Sometimes I just clear that card like, you ain’t gotta worry about it, sis.” (85:06)
• She highlights her late husband, who left a seven-figure legacy for her and her stepdaughter despite never making more than $60,000/year—a testament to smart insurance and estate planning.

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Notable Quotes & Memorable Moments

• On preparedness:
  “Being ready means you can seize opportunity, not just survive catastrophe.” (52:29)
• On relational wealth:
  “Mine for joy and hold on to it tight and know that times like these won’t always be like this.” (58:29)
• On guilt & abundance:
  “There are other people who work harder. There are other people who are smarter…But in, like, it makes me feel better to use it in a way that I know people are better as a result of me having access to it.” (85:27)
• On conscious investing:
  “You can literally look for funds that you’re like, okay, these are funds, none of these funds are with companies that support war...it’s just a little extra digging.” (77:06)
• On debt vs. savings (repeated listener refrain):
  “If your savings is funded, then I’d be more aggressive with paying off debt. If not, focus on building your emergency fund first.” (120:29, 121:44)
• On estate planning for marginalized groups:
  “If you don’t want your parents, your funeral up in your parents church...If you want to look a certain way when you go, you know what I’m saying, on any opposition or challenges. Yeah, plan ahead. Estate planning. That’s what that is.” (131:48)

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High-Impact Timestamps

• 04:08: Fran’s political breakdown of TSA situation, voter suppression, and “airport politics.”
• 08:13: Black-owned bookstore directory story and date idea.
• 44:32: Tiffany's philosophy as a financial educator.
• 51:41: Mindset on winners and losers in economic “downturns.”
• 54:56: Real-life example of preparing for, and capitalizing on, a “deal.”
• 58:29: Tiffany’s “mine for joy” advice.
• 66:36: The “split it before you get it” approach and automation.
• 78:58: How to find ethical/conscious funds for investing.
• 93:23: 10 Pillars of Financial Wholeness explained.
• 104:00: “One thing per year” strategy for financial improvement.
• 112:30: On paying very old debts and credit repair.
• 129:20: Saving for elderly parent care and family trusts.
• 135:26: Story illustrating that legacy is about strategy, not high income.

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Takeaways & Further Resources

• Get Good With Money: Now out in paperback, with pre-order bonuses at getgoodwithmoney.com.
• More from Tiffany: Dreamcatcher community (free), Get Good With Money Club (discount code in episode), recommendations for Certified Financial Planners at yourmoneymatch.com.
• National Association of Black Bookstores: Directory at nab2.org.

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Tone & Vibe

• Unfiltered, funny, and deeply honest.
• Encouraging, communal, and practical.
• Tiffany’s presence grounds the episode, blending expert advice with personal storytelling and realness.
• A repeated message: You’re not alone, and small consistent changes matter more than overnight miracles.

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Summary — In Essence

This episode is a financial wellness masterclass packed with practical hacks for real life right now: from handling debt, boosting savings, organizing your accounts, and investing (without betraying your values), to building generational wealth across incomes. Tiffany and the crew don’t sugarcoat the stress of these times, but their collective wisdom, humor, and mutual support make it clear: overcoming financial (and emotional) overwhelm is possible—one step, one conversation, and one layer of community at a time.

“Start by starting. Just pick one thing, do it in 24 hours. You’re not out here by yourself.” (Tiffany, 151:36)

Transcript

[Fran]

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[Tiffany Aliche]

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[Tiffany Aliche]

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[Tiffany Aliche]

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[Dustin]

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[Tiffany Aliche]

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[Dustin]

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[Tiffany Aliche]

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[Dustin]

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[Tiffany Aliche]

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[Dustin]

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[Tiffany Aliche]

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[Fran]

Welcome to the Friends.

[Asante]

My name is Dustin.

[Dustin]

I'm Francesca, also known as. Hey, friend.

[Asante]

Hey. My name is Asante.

[Fran]

This is the Friend Zone.

[Asante]

Let's start the show.

[Tiffany Aliche]

I'd say I'm surprised, but I know who you are.

[Dustin]

You are again.

[Fran]

Yeah. And this week it ain't even. We ain't even no deep dive. Ain't no story to go into. We talking about the motherfucking Republicans who have consistently voted down any measures to fund the TSA agents that work at the goddamn airport that have people waiting in that Hunger games ass line 5 and 6 motherfucking hours into the parking garage in hot cities like Houston and New Orleans right now. In cold cities like New York. Everywhere.

[Asante]

Everywhere.

[Fran]

It's a damn shame. And what really brings me the most disgust is two things. Number one, the fact that the ICE agents who have been deployed into these airports are standing behind, literally behind the bodies of non paid TSA workers. They just standing behind them. So this person is working for free and this motherfucker behind you is making six figures. Don't they get six figure salaries over there at ice? Supposedly.

[Dustin]

I heard they haven't even gotten paid,

[Fran]

which makes sense because it's nothing but full of. It's full of nothing but January6. There's pardon January Sixers, proud boys and dumbass black and brown people who are willing to betray their identities and their histories, their people, their families for a check. A Trump check at that. Which is literally like Diddy dawn and Kalina Dirty money. Now, I just want to say, y', all, they are on they're on Twitter, they're on TikTok, they're on Instagram. By, by they, I mean the Republicans who have consistently voted no Senator War. What's his name? From, from Raphael, from Georgia. Warnock. The black.

[Dustin]

Anyway, the black dude.

[Fran]

Yeah, the black senator. He was online. They showed him on the floor trying to pass bills to fund. Directly fund tsa. Just so people know. And by people, I mean our audience. The reason that these Republicans are blocking the bills to get the people paid at the airport is because the President is trying to force the Democratic leadership to vote in the SAVE act to pass the SAVE act, which is nothing but a way to disenfranchise and suppress voters in the midst terms. They are adding voter ID laws and name change laws that affect women whose last names have changed in marriage and divorce. They are literally trying to disenfranchise women voters and voters of color and people who will vote their asses out of office. So I just want people to be clear. And I saw a meme earlier today that said you waiting in four hour lines at the airport, but you quote, unquote, don't do politics. Yes, you do. And I thought that was so fitting. That's what inspired this whole rant. I want people to understand all that neutral shit or, you know, lesser of two evils, whatever. Only one of them motherfuckers got your ass standing in six and seven hour lines at the airport. Only one of them motherfuckers got y' all sons getting ready to go to war. Only one of them motherfuckers is ripping babies and families apart. Only one of them. Motherfucker. I mean, I could go down the list. We have a litany of, of, of horrible impacts that our lives.

[Tiffany Aliche]

Lives.

[Fran]

Two people died yesterday at the airport. Lives are being affected. Alex Predi lives. You know what I'm saying? So I just want people to understand that, that not only do those people look horrible, they are horrible on the inside because all of the Republican leadership is ugly as a motherfucker.

[Asante]

All of them.

[Fran]

And so I just want y' all to know that not only do they look like that, they are like that and they're the reason why. So when you see this shit, understand what's going on, they know that you're affected like this. And they're still pressuring these lawmakers to push and a bill through that is going to make it harder for you and going to prolong all this bullshit. Just understand what's going on. And with that being said, let's bring it up welcome to the friend zone. We can look into all things mental health, mental hygiene and mental wellness. Because who in the hell wants more years of this bullshit? I know I don't. And since today's episode is about money, I figured we would follow the money up front and know why it's not in the pockets of those TSA workers.

[Dustin]

So crazy.

[Fran]

Hey, friend. Hey, Sante. How y' all doing?

[Dustin]

Dreading traveling, man.

[Asante]

See me, I'm scared.

[Dustin]

Yeah, I'm kind of waiting it out because I have a flight in about a week and some change, right? And it's like, see, you know, and we're headed to atm, so it's like, oh, all right. Prayers for everyone. Pairs for the TSA workers. I'm so sad about the pilots in LaGuardia, the crash with the fire truck.

[Tiffany Aliche]

I mean, this is.

[Dustin]

We've never seen anything like this.

[Asante]

So scary times.

[Dustin]

But let's jump into this week's episode. I want to highlight a black business.

[Asante]

Okay, Right.

[Dustin]

This is great news. On the flip side, right? A tweeter.

[Tiffany Aliche]

Wow.

[Dustin]

A Twitter. A tweeter. I don't know where that came from.

[Fran]

That is the proper.

[Dustin]

A tweet popped up for me from the Pop Base account and it said black owned bookstores in the US now have their own directory for the first time ever launched. Right. Let's clap it up to that. It said it was launched by the non profit national association of Black Bookstores. And they did so because they found that three right now.

[Fran]

I mean, are you a nab? I was listening. Nab.

[Dustin]

Two years ago, apparently they were doing some research and found that 306 black owned bookstores nationwide. That there are 306 black owned bookstores nationwide. 8%. Right. Of independent bookstores. However, they also found. Right. 14 states have no black owned bookstores whatsoever. Nearly nearly 90% report annual revenues under $250,000. And sales of books by black authors have declined by 14% despite. Despite an increase in overall print sales. So I was like, okay, I have to this. Right? So I looked into it and I found an article that actually popped up by a writer named Brittany Allen. She wrote this in August 6th of 2025 on lithub.com she had an article titled please welcome the national association of Black Bookstores. And she was saying that this association actually just came together in June on juneteenth of 2025. I kind of love that.

[Asante]

Right?

[Dustin]

There are 501c3. Like I said, it's a nonpro collective and member based organization. The NAB 2 and their goal was to amplify the black voices and preserve black culture by increasing the visibility, sustainability and impact of black bookstores and booksellers.

[Fran]

Love that.

[Dustin]

It's actually the brainchild of Kevin Johnson, who was a former NBA all star and also ex mayor of Sacramento. You worked hard in this lifetime, apparently. His mother, her name was Georgia mother, Rose west, she was. She owned and operated, okay. She owned and operated Underground Books in California. And it was like a community hub, you know, and a gathering place for everyone in the area. And she just recently passed in December. And in honor of her legacy, nab too, wanted to uplift black bookstores in their communities. Right. And help them sustain, help get the word out about them. So that's where they created the black owned bookstore or directory that they now have and they just recently launched. So if you want to take a look at that, it'[e-mail] Love that. Right? And I love that. I just thought that was such great news that this collective came together and then very quickly created a massive database that is clearly much needed so that we can look into it, see what bookstores we can support when we're traveling or hopefully in our own city. So, yeah, check that out. Nab2.org the first black bookstore directory ever.

[Fran]

That's actually low key. I don't really like corny stuff. But that's a cool date to go on. Find you a black bookstore, Take the person on the date. You know what I'm saying? Walk through, look at the titles, share stories about different times in your life. You know, talk, laugh at some of the dumb horns.

[Dustin]

You better love jazzm.

[Fran]

I'm just letting y' all know.

[Asante]

Look, free game.

[Fran]

Okay, that's, that's, that's a good date to go on.

[Dustin]

So that's reminds me of. Remember the, the bookstore, Octavia's Bookshelf?

[Fran]

Was it in Cali that was affected by the. The fires?

[Dustin]

Yes, exactly. So I'm.

[Tiffany Aliche]

I hope.

[Dustin]

Well, I'm more than sure that she's included in this.

[Fran]

She better be nabbed.

[Dustin]

I'm happy that, you know, hopefully this will bring fresh eyes to all of these amazing community hubs. And that's it for the black business of the week. Let's jump. Right? That made me happy. Let's jump into the recap segment. So in the episode before last week, which was Asante's production, it was titled Negro Thou Art Loosed. Thank you, Dustin Roth. Where we explored the psychology of time, why years feel longer when we're young, and why adulthood can make life blur altogether. We reflected on school versus adult life and discuss how creating new memories, learning skills and trying new experience can help life feel fuller. Asante, who stood out to you in the comments?

[Asante]

Shout out to everybody. A lot of random conversations that week just because there was a lot to talk about. Time's crazy, so why not jump all around with time, right? Speaking of in the Spotify streets, I want to shout out to Natasha Natasha's comment reads, this episode came just at the right time. I'm 29 recently into my career and I feel like time is both gone, yet I don't have any. I work in a field. I work in a field where I deal with crisis and trauma on a daily basis. This episode reminded me I need to pour more joy into myself and change my perspective on the time I do have. Natasha, you are absolutely correct. We talked about time and how you can literally time travel if you ever so choo. And those new experiences, they will help you like feel time in a joyful manner, not having to do the mundane same thing over and over again. That's how you speed time up. If you ever so choose, just get caught up in those patterns.

[Fran]

It was a great go ahead Natasha, you know better cause you done wrote a whole damn song about it. Talking about feel the rain on your skin.

[Dustin]

You know what?

[Fran]

You know the rest is still unwritten. You understand what's going on.

[Dustin]

You.

[Fran]

You get it?

[Asante]

Capis?

[Fran]

You get it Natasha?

[Asante]

I also want to share a comment from Lisette CN Sidebar I do love the name Lisette. I don't know why I've always raised so New York.

[Fran]

To me, her daughter named Lisette that could double Dutch. That's what I'm saying.

[Dustin]

You know what I'm saying?

[Fran]

If I had a daughter, I just want a daughter that can double Dutch, you know. And if you think about me having a daughter, my daughter would be able to double Dutch, wouldn't she?

[Asante]

Well, Lissette's comment reads, I'm a Charlotte Dative, but I am a bit confused by the DMV segment. The driving test is basic. My test was the same in 1995. My last experience was with my daughter and her test was the same. I can parallel park, but it's not a test requirement. It's also not uncommon, right? It's also not uncommon for states to require you to drive your car for the test or for people to drive to the dmv. I'm not familiar with an automatic fail. Well Lisette, you don't go to yours then.

[Fran]

Where you live? Paradise. God damn. You know, just come get your license.

[Asante]

That's all you gotta do. Some people deserve an automatic fail. I just thank God that I am not one. Just update. As a new adult driver, I have been doing my thing.

[Fran]

Good for you.

[Asante]

I put some lights in the bitch. I screen protector on the navigation console. I went back to the dealership, got some more money, knocked off the deal. Like I have been on one friend, when I told you I was thinking about you, I was like, I don't want to call Fran my car friend community.

[Dustin]

Do it because who else would care about car at this point? All our friends been driving for 40 years.

[Asante]

I'm telling you, like, this is new for me and I want to talk to you to somebody about it. Friend. I really wanted to call you because I really, really feel free.

[Dustin]

I'm still bright eyed and bushy tailed as well about driving.

[Asante]

So if you would have seen me like I have been. First of all, y', all, like those are my comments. I'm gonna give it to you in a moment, friend. Thanks Lisette. Girl, if you would have seen me, friend. I had to go down to the dealership. I didn't have to go down to the dealership. I wanted to go down to the dealership because there was just one small thing about my deal that I wasn't really rocking with. I went to the dealership and I made that adjustment because I was within my seven day window. You really get 30 days, but if you make something happen within that seven days, there's magic there.

[Dustin]

Nice, Fran.

[Asante]

This man did not want to do what I made him do because legally takes his money. He was like, you sure you don't want to help me out? And I was like, no, help you

[Fran]

out, Help me out. I hope you turned your head to the side like a homosexual. I hope you did.

[Asante]

He got the most passive I need to go energy ever. It was like, no, I can't help you out. Let's just make these adjustments and I'll be on my way. Like it was. I literally looked back, I was like, who is that?

[Dustin]

Shout out to you though for educating.

[Asante]

I literally was sitting here like this all weekend. I was like, I can't believe I just went up in there and talked to that nigga like that. Like I walked him like a dog. You know how pushy car salesmen can be. They're like, no, but you need and listen to this. And I was like, uh huh. I'm very well aware. Now let's go thank you.

[Fran]

He don't know how to sell no cars. Cause ain't no way he in hell he should have walked that back. What he should have did was added shit in for you instead. Like, I can't go back, but what I can do is give you a full coverage warranty for five years and free oil changes for the next. For the lifetime of the vehicle. Like, I would have just went in. I would have went in because why would you walk that back? That's the magic of selling cars. Good for me.

[Asante]

But that's the. You're absolutely correct too. Especially the, like, the magic is where you lie. I feel like he was already lying, like. And I went back and did research and I was like, bitch, you were literally thought she was about to get.

[Fran]

Yeah, let's see. That's what he already lying swindle you. You know what I'm saying?

[Asante]

So he wasn't trying to swindle me. I think it was like the standard car salesman. Like, we're just trying to get you to buy some shit add ons. I said it was my first time buying the car. So he. I think maybe if I gave him the benefit of the doubt, genuinely felt like I needed these things, right?

[Fran]

Like, question. How can I ask this?

[Asante]

Right? I'm trying.

[Fran]

Do you think he could dance?

[Dustin]

You know what?

[Asante]

So I have separate opinions about my interaction with this man. And it's a whole nother conversation. Because here's what I'll say. Yeah, he was a Caribbean person of color. And I'm noticing in that they are different out here. It's not like New York, okay? Like. Like, I love everybody in New York, but the Caribbean folks out here, they're very much of that. Like, you know how the Caribbean folks be. Like, oh, blacks are lazy. Like, there are a lot of those here.

[Dustin]

Oh, so it's real.

[Tiffany Aliche]

Like, really, you know, I never.

[Dustin]

I haven't met any Caribbean folks when I've gone to Charlotte. Now that you say that, isn't it

[Asante]

so weird they're really not here? Watching Five riddles. Apparently one Last week, I almost got into it with a Caribbean woman. I was like, dude, where the fuck y' all been at? And then the man at the dealership, and I was like, damn, where the fuck y' all been at? And then I was like, why y' all acting like this? I was very upset. But yes, that was Negro, thou art loose. Shout out to everybody. Especially you, Lissette friend, what did you find out there in those streets?

[Dustin]

Well, on Patreon, Dewana said Something new that I'm doing is training for a run in my city. This will be my first time running a race and I'm excited. I wanted to challenge myself in a new way. I still have some ways to go, but I'm happy with my decision.

[Fran]

How cool is that?

[Tiffany Aliche]

I love that.

[Fran]

Go ahead.

[Dustin]

Right? I'm always proud of. I told y', all, my best friend has done. Is it three or four full out New York City marathons.

[Fran]

Wow.

[Dustin]

Like, she's so impressive and every time she's training for it, I'm just like, you're the coolest person in the world.

[Fran]

All that discipline.

[Dustin]

And she's a mom of three and a wife and a principal at a school in San Francisco and still finds the time.

[Fran]

So she just be thinking about all them kids and she can't stand while she running. And another little one, Tanisha,

[Tiffany Aliche]

shout out

[Fran]

to her, that's your God baby's mom, right?

[Dustin]

Yeah, yeah, yeah. Little babies. So I love her and I'm always impressed with adults that really push themselves in ways that it's just for them. Right? Because it's like she's not making money off this. It's not work related. It's just purely I want to challenge myself and do something different.

[Fran]

What that does for patience as a mom and a principal and shit. I bet you that's so measurable in value.

[Dustin]

The discipline and the kids looking at their mom too, like, damn, my mom's out here accomplishing cool. I think that's cool. K.M. hudson said it tickled me when Fran said, oh, I don't like that. When y' all were talking about turning right on red. My daughter just got her license last year. And in 2024, Maryland made it the law to move to the next lane when a cop is conducting a traffic stop.

[Asante]

And.

[Dustin]

And she had no idea. So it shows how confusing the rules of the road are, state to state. Wait, if they're conducting a traffic stop, you have to move to the next lane.

[Fran]

So it's to get out the way. Like if they got somebody pulled over on the left side. If you're on the highway, for instance, right. Somebody pulled over on the left shoulder, you supposed to go around on the right, right? And just make room, you know what I'm saying?

[Dustin]

I mean, I guess logically you're going to go around because you're not driving through them. But I didn't know you had to go to the other lane, like full out other lane. See, I didn't know that you like

[Asante]

want to quickly get over and get back over.

[Fran]

I'm not sure if it's in written in a law in Michigan where I learned how to drive, but that's how I learned how to drive, to get that all the way out the way from whatever the fuck is going on as far as, like, police activity.

[Dustin]

And you would think that you'd want to do that, right?

[Asante]

People drive like maniacs in Atlanta because they literally do be flying, and they get over real fast, and then they get over again to pass you. Then they get all the way back over, and they play, like, damn shouty.

[Dustin]

You know what I hate? The people that drive around you really fast, get in front of you, then get in front of the person that's in front of you, and they just kind of going zigzagging in between all the cars because they're just trying to get through really, really fast. All that just for them to end at a red light next to you. Next to you. It's like, what's wrong with you?

[Fran]

You got to fight the urge from doing like this,

[Dustin]

right? I'm so glad my windows are tinted, because I'll be. I'll be looking over at the car like, weirdo. That's right.

[Asante]

Talk to me about tents, because I want them. They are no longer required for. For the.

[Dustin]

I can't imagine not having tents.

[Asante]

Okay, but what percentage do you have?

[Dustin]

Oh, well, I won't talk about that.

[Asante]

Actually, yeah, I was gonna say we'll text about that, because I'm in the

[Dustin]

point of I have a percentage that up.

[Asante]

O. Well, say no more. I'll tell my own business and say, I think I want to go on ahead and do the 20%. It's worth it.

[Fran]

You have another consideration, sir, that you need to think about when you're driving, because if you're getting pulled over for tents, you know what I'm saying? You don't want to put yourself at risk of being pulled over randomly for your tents.

[Asante]

So, Dustin, hear me out. Two things. So two things.

[Dustin]

I figured that's the answer.

[Asante]

Two things, guys. First of all, I already live in North Carolina, so y' all not gonna catch me on that. And I'll be driving through South Carolina, so it's like, y' all not gonna

[Dustin]

catch me wrong places.

[Asante]

And the third point is, I plan on reselling my car, so I'm, like, not doing that at all in the car.

[Fran]

I'm like, okay, good. Like, well, in that case, getting limo tent.

[Asante]

When I tell you I'm being such

[Fran]

limo tent blacked out.

[Asante]

No, Like, I'M being such an adult. I'm literally getting high as fuck before I get in the car. I'm like, all right, we're not.

[Fran]

Be careful with that, too, though. Cause if you get pulled over, you smell like weed. It can, like, you know, the weed starts the day.

[Asante]

It does not, like, get carried at all into the car. Like, I'll smok, shower, do all that, and then get in the car. Like, I won't smell. I won't even. My, my. Oh, that's too much. I still have mine delivered. I still won't go pick mine up yet, so.

[Dustin]

Chimney.

[Fran]

Yeah, he got it in the truck, too. Like, oh, that's. I can't. We was in that. Like, I couldn't wait to.

[Asante]

Mind you, my car looks sexy enough to do all that in. I didn't, like, made it, like, real life. You should smoke in here. But it's like, I'm not doing that. I will. I just got my little covers on there. You know what I'm saying? My car wash. Are you thinking about rims?

[Fran]

My car?

[Asante]

Not right now. Not yet.

[Fran]

Okay.

[Asante]

I'm just trying to.

[Fran]

Well, start looking now so you can just. You know what I'm saying? Be ready to go when you're ready to go.

[Asante]

I did randomly look at the tire website, and I was like, I can't do this right now.

[Fran]

I feel like some, like, 20s, you know what I'm saying, would be perfect for that size. For that size SUV, I can say. You have an SUV, right?

[Asante]

Yeah.

[Fran]

Okay. For that size SUV, I think 20s would be. That would be great. We'll talk. We'll talk.

[Tiffany Aliche]

All right.

[Dustin]

Chris also wrote in and said, fran, when it comes to the law for when to pull over, of course, y' all said it applies to emergency vehicles with their light sirens on and sirens on. But it also was a lot of pullover for funeral processions, usually on both sides of the road, too, if it wasn't a major highway. I'm not sure if that's still the case or if it's still in force now, though. And it's so crazy that Chris wrote this because I had a funeral procession behind me when I was driving to pick up some dry cleaning. So I'm driving, I look in my rear view, and I see the cop light blinking. And then I see all a hearse, which was a little jarring for my first time. I was like, oh. And then, like, it's not funny, but

[Fran]

it's funny as hell, you know, because

[Dustin]

this is like, my God today. And it's like five cars. The body about to drive past me.

[Tiffany Aliche]

Like, that's so deep.

[Dustin]

And then, you know, new driver. And then there was five cars. There was five cars behind them. So I kind of like felt a little anxious because I was like, I clearly have to get out of their way.

[Tiffany Aliche]

Like, I just knew that.

[Dustin]

And then I was like, but what do I do? Cuz my dry cleaner was right there.

[Fran]

Dry cleaner was over there singing, kehlani, come pick up your clothes.

[Dustin]

And so I turned off so that they could, you know, do their thing behind me. And I thought it was more important than my dry cleaning in that moment. So I'm seeing that it was enforced. It's a lot.

[Fran]

I just wanted to keep me one of them flags in the glove compartment.

[Asante]

I know, I know.

[Tiffany Aliche]

What?

[Fran]

But you know, if you got that little flag, ping, no red lights, baby. You got the little orange funeral flag, that little magnetic flag.

[Asante]

That's insane.

[Dustin]

Dust,

[Asante]

roll down my window. Ain't gotta be nowhere that bad.

[Dustin]

But you know what, guys? Thank you for these tips. Honestly, they're very important because I don't remember anyone, especially in the book. You know, in the test, when you're driving, no one tells you these things. You kind of just learn as you go. And then lastly. Hold on. Oh, actually, no, this is from the next one. Okay, that'll be it for that one. Let's jump into the recap for last week's episode, which was titled Put him in a headlock. And it was a shoot the shit episode. Y' all know that means no hopper and no segments. Just whatever wanted to come up. Who stood out to you in that episode? Asante.

[Asante]

Shout out to everybody in the Spotify streets yet again, a lot of comments on the Chat GPT portion. Same shout out to Chrissy. Chrissy Carter. Chrissy Carter. Her comment reads.

[Fran]

Oh, the drag queen Chrissy. Remember Chrissy from the Internet? Tay? Real sloppy drunk, Kind of like

[Asante]

whenever the comments are like, yeah, I hope

[Fran]

the north remembers y' all remember. Go ahead, shout out to Chrissy. I hope they doing well.

[Asante]

Well, this Chrissy's comments, read, comment read, y'. All. My coworker booked a whole flight and Airbnb, on ChatGPT, including using her credit card number. I was floored at how foolishly she put her information out into the universe.

[Fran]

I hope she hit her with the Viola Davis. Remember when Viola Davis picked up that purse and walked out of that office? I hope she did that.

[Dustin]

I mean, I get it, but also, y', all, I told y' all I wanted to do my tattoo taxes. I was like, here, do all my bookkeeping, my taxes. File it. That would have been so clutch. But you just got to know better than to.

[Fran]

That's the piece right there.

[Dustin]

See, friend, you still, of course it would be great.

[Fran]

Your mind. You know what I'm saying, friend, you still got it. And so you knew, like, that would be nice. However, the reality is.

[Dustin]

Yeah, that would be dumb. Right? Right.

[Asante]

It's funny, friend, because D. Francis 1030 comments comment reads, I have used Chat GPT to assist me with my taxes. We didn't know he was gonna say that. We didn't know he was gonna say. It was so funny as she was saying, I was like reading this comment. I was like, the comic goes on to read, basically make sure that just enough withholding was being taken out for my income.

[Dustin]

Oh, God.

[Asante]

Honestly, these are, there are great uses for these, these large language models. You just want to be very vigilant that you are not sharing your personal information because you could just literally get

[Fran]

a tax attorney and you can have somebody prepare your taxes.

[Dustin]

Get your accountant.

[Asante]

Yeah, I, I just get. I just have fears because I know of the hallucinations in chat GPT. So it's like I don't trust anything that it has to say. No, I was watching.

[Dustin]

Especially not a government related filing. Like I can't speak.

[Asante]

I just don't trust anything.

[Dustin]

I might as well do it myself. Hallucinate the answer.

[Asante]

There's a law show on. Well, law maybe used loosely. Okay, so there's a law show called Elspeth. It was one of the spin offs from the Good Wife. The whole reason I'm bringing this up is because on the show there was a section where this guy, he basically was using technology to do certain things. And I was like, damn. People really don't give a fuck to what detriment that they have to get this information. Like they don't care like who they're killing. They don't care who they're taking food off the table from. They just feel like they have to get stuff done. And if this, these AI can do it and get it done. They want to get it done. Last comment that I want to share is from. I want to know if your name is Kesha or Kesha. No, it's Keisha. It's K E S H A. Keisha's comment reads, the pattern app is messy AF friend.

[Tiffany Aliche]

I used to get notifications.

[Asante]

I used to get notifications on things my friend. Friends were allegedly experiencing astrologically. It was weird. And Slick, invasive. I deleted it asap. Lol.

[Dustin]

That's not true because what my friend sent the screenshot like oh my God, I have to check on you. And I was like what? I'm literally not going through any of that.

[Fran]

How is the app gonna tell a person how the fuck I'm doing?

[Dustin]

That's the part that I was like. And I didn't like that it was

[Asante]

speaking not to your friend, I'm just

[Fran]

saying to the app, you know, in the right.

[Dustin]

No, I'm saying and the fact that it was speaking that over me, I was like, yeah, that's right child.

[Asante]

Last comment. I want to share that. I'm going to hand it on over to you friend is from Denine Taylor. Denine, I like that name. It just makes me want to shimmy and drop. Anyway, Denise comments reads Dustin power underscore withinore me done made her profile private. Now I can't cuss her ass out. That's thought I just wanted to share that. Dustin, the people are with you. There were a lot of comments about where you should come Dustin come to Kansas City. Dustin, you should come to San Diego. So Dustin, you are a man on tour. Boy on road, man on tour. You are a man on tour. So I just thought I would share a couple of those with you.

[Fran]

See every damn body we got some

[Dustin]

of the those too.

[Asante]

What about you friend? What did you find out there in those streets?

[Dustin]

So Kendra says some people are just susceptible to believing anything and their AI realizes that based on what they put into it. I use co pilot for work and it has created cycling routines and we don't talk about anything else. That's creepy to me.

[Tiffany Aliche]

Right.

[Dustin]

Because it's like the AI is like oh, I could finesse this person. That's weird.

[Tiffany Aliche]

Like yeah.

[Dustin]

When she's saying some people are susceptible and AI peeps that that's freaky to me and that's what I don't like by any of this.

[Fran]

Why I do not use it for real?

[Dustin]

For real. Sasha said oh my God, add friendships to this chat. GPT relationship mishaps. My friend of 30 years suddenly started calling me with full on agendas and their AI taking notes and recapping our conversations.

[Tiffany Aliche]

What

[Dustin]

not you having an AI assistant joining your phone calls with your friends so that you can send minutes.

[Asante]

What a weirdo.

[Fran]

I wish, I wish one of my friends would be weird minutes from our conversation.

[Dustin]

What do you mean? Asante you have AI recording your combos?

[Asante]

No, maybe we're talking about a little bit something different because here's what I did just use AI for recently. Look, I did need a friend when I was at the car dealership. I just needed. I just needed, like, something to, like, you know, you look real crazy if you just type it in notes, right? And I didn't want to text nobody, actually, about what my business was doing right now in the moment. So I was in the AI chat, but we're just talking to the AI. It was like, you know, hey, you know, how can I help you? Blah, blah. I was like. I literally was just talking like a regular ass nigga. I was like, oh, hey, girl, I'm at the dealership right now, and I just didn't want to look crazy talking to myself, and this man is working my nerves. And then the AIs like, oh, that's totally normal. The dealer's probably trying to run. Game on. Yada, yada, yada, and just saying all this, this, and I'm just like, yeah, girl, probably like, just this. And like, I literally was having a mental, like, skit.

[Dustin]

You could have text me, right?

[Asante]

No, but look, I was having this AI, but I'm doing it with this. This chat model because I'm just killing time. I wasn't actually.

[Fran]

That ain't really a good excuse, bro.

[Asante]

It's not even an excuse. I'm just telling you what it was like. I don't. I will use the AI as my buddy if I ever so choose. Look at me. Yeah, I don't care.

[Fran]

We trying to save you, man. But that. Look, you don't save him. He don't want to be saved. So go ahead.

[Asante]

If I'm asking the AI to do, like, my life for me, then y' all should be worried. But if I'm literally just talking to it, just saying, like, all right, I'm just killing time, blah, blah, blah. And if the AI is like, I hear some. Here are five other ways for you to kill time. And I'm like, oh, well, bet. What are the five ways? Then? Y' all need to be like, Asante. Because I feel like when the chat is suggesting things to you and telling you things, it's really working for us to later on work against us. I have a grand conspiracy theory that I just don't want to share publicly, but y' all worry. But make sure I worry about the right things. I'm just telling y' all I'm good right here.

[Dustin]

All right, brother. We care about you. That's all. My last one is Noma, who said so. I'm listening to this week's show. And the Blue Therapy conversation is so on point and hilarious. Blue Therapy was actually originally a YouTube show created by black people called Trend Central YouTube channel.

[Asante]

Oh my God. That's what it was.

[Dustin]

She said some of these creators, like 10 Central and BK Chat YouTube channel are black creators showcasing black people telling black stories. And that's why all the couples are predominantly black. The YouTube show always had black couples and a white therapist. So I assume when Netflix picked it up, they continued with the same format. I was happy to see a black created show being picked up by Netflix. I hope they collected a big check for that. But yes, some aspects of the show are crazy because love like that should never find me. And she said, except the rich man who buys nice things and leaves me alone. I'll take that. Agreed. She said, anyways, always enjoy hearing you guys talk about British shows. That still is weird to me then because a black like black people created these optics. That's even worse. And I'm tripping. Like it don't make it better.

[Fran]

And it went from worse to worser.

[Dustin]

It's like black people created that. How hard I would have thought it was a white person, honestly. But that really. All right, listen. And they said that the show. Because we actually got a lot of comments with people telling us that this was originally a YouTube show and they said it's much worse.

[Asante]

No 100 it's funny because when I

[Dustin]

saw it Toxic Chaos when I saw

[Asante]

it come up on Netflix, I was like, I feel like this looks familiar to me. Like I've seen this concept before. But in my mind I was like, but it was a little bit more. So when you said all that, I was like, yes, this did exist. This did happen.

[Dustin]

I never saw it. It never came up for me.

[Asante]

This came across. BK Chat definitely comes across my. I remember BK Chat still, but I remember seeing the Blue Therapy type thing. I don't know if you said it was called something else then, but I remember like watching British black people argue and then being like, are they being serious? And people like, yeah, girl. Then to see this, I was like, is this that show? And I burnt it.

[Dustin]

Is.

[Fran]

Am I thinking about the same thing? It was like, like, like guys and girls, like four guys. That's what I'm thinking about. Right? Yeah, okay. Yeah.

[Asante]

BK Chat. There was one that happened over the past year and this is so random. But there was a island person. No, there was a. Like a. You know how the, the British, they all. They all know what type of blacks they are, but they were having Like a colorism conversation about, like, dating. And so I remember the black man talking about. About. He got into it with this black girl on the BK Chat, London, and started talking about her hair. Because the black girl was like, you date a white woman? He was like, well, yeah, my girlfriend, she's got real hair and you've got fake hair. Oh, my God, it was terrible. And I was like, this is a mind fuck.

[Dustin]

Those types of conversations.

[Tiffany Aliche]

Got it.

[Asante]

Those types. Yes.

[Fran]

I hit him with a crumpet.

[Dustin]

Dustin Ross, what'd you find in those Twitter streets?

[Fran]

I just have one. And this makes up for both weeks. So shout out to the Foxy archives, right? Which is spelled just the way it sounds. It's an archive of Foxy Brown images, video, stuff like that.

[Dustin]

Oh, nice.

[Fran]

So they tweeted a picture from 2004, Foxy Brown with music legend James Brown. Right. And so the Twitter user, Ike Moses, I K E M O S E s gonna quote the picture with this. I'm gonna put it on the screen so y' all can read. Read it.

[Dustin]

It's a picture of Fox, James Brown, talking about they at the Brown family. Y' all are so irritating on Twitter.

[Asante]

Can you show me the picture one more time? Foxy just looks so funny.

[Dustin]

It's her face.

[Asante]

She looks so funny.

[Dustin]

Cute.

[Asante]

That's it.

[Fran]

That's all I got for y' all this week.

[Dustin]

You. Do you guys have any announcements, anything you would like our listeners to know before we jump into this week's episode?

[Asante]

It is the last Wednesday of the month. That's right. If you're listening to this, the day that it is dropped, Wednesday, March 25, 8:00pm Eastern Standard Time. Tonight we are going live. That is right. We cannot wait to see all of your faces. If you have no idea what I'm even talking about, that means that you need to join our Patreon. Okay. Go to patreon.com the Friend Zone podcast so you can learn more about our Live tonight as well as our more of our previous previous more of our premium content, which also includes an ad free version of this show, whether that's audio only or that includes the video. So tonight we're doing our live. It's our Wednesday wind down, 8:00pm Eastern Standard Time. Lachat, we can't wait to see you again. And if it's your first time, come on, pop that cherry with us. And that coochie. Pop that coochet, baby. Pop.

[Dustin]

Pop that coochie.

[Tiffany Aliche]

Pop, pop, pop.

[Dustin]

Anything else, brothers?

[Fran]

That's it for me too.

[Dustin]

All right. That means that's it for this week's intro. Let's jump into this week's episode.

[Fran]

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[Dustin]

So this week's episode is going to highlight the fact that next month is Financial literacy month. Actually did not know that. Tiffany's team alert reminded me of that. And I thought, perfect timing. Look at us. Always on post. Not only that, but it's also the paperback release of Get Good with Money written by Tiffany the Budget Nista Aliche. So of course we had to have her come on the show.

[Asante]

Yeah.

[Dustin]

Welcome back to the Friend Zone. Thank you.

[Tiffany Aliche]

This is literally like. This was like the pocket that blew it all out the water. So I'm like, you know, that is

[Dustin]

so cool to know it's full circle,

[Fran]

you know, look, thank you for making time for us, Tiffany, because, you know, these days, baby, you know, catch her when you can. Tiffany has been all over the media. You are literally a media darling.

[Dustin]

Truly.

[Fran]

You'll be wearing these interviews out. Personality magnetic information on deck and on demand at that. They be asking you all kind of questions. You'd be like, I knew you was gonna ask me that. Thank you for making time for us for. For real. Thank you.

[Dustin]

Absolutely. You've gotten us together for so many episodes, so many years. A lot of our listeners were thrilled. So many purchases or non purchases.

[Tiffany Aliche]

Because we should be thinking about these things.

[Asante]

The angel on my shoulder when I pull out my wallet.

[Dustin]

But Tiffany, for those listeners who are newer who may be listening today for the first time, please tell them who you are in case they've been living under a rock.

[Tiffany Aliche]

Well, I like to call myself America's favorite financial educator. Financial educator.

[Dustin]

Okay, that part.

[Tiffany Aliche]

It's been 16 years and I have been teaching largely women, but you know, the man I'd be in here too sometimes about how to master your money in a way that really aligns with how you want to show up with life. You know, not money for money's sake, but money for joy's sake. Money for community's sake, money for giving sake, Money for rest's sake. Like, how do you want money to show up in your life? You know, that is like my. My jam to give you the tools and resources you need so you can have the life that you say that you want. And so it's been 16 years. I get go to money. Came out 20, 21, like five years ago.

[Dustin]

Wow. Already? That's trippy.

[Tiffany Aliche]

Yes. 400, 000 copies sold.

[Asante]

Come on.

[Tiffany Aliche]

The new York Times bestsellers list. I know. The fact they got a black girl face on the New York Times bestseller. I mean, they don't do that.

[Asante]

Okay, Beautiful.

[Dustin]

Didn't you tell us that they initially didn't include. Encourage you putting yourself.

[Tiffany Aliche]

I was scared.

[Dustin]

I said, did you.

[Tiffany Aliche]

And I. I mean, to the credit of my publisher, Penguin Random House, they said, no, we think you should be on the COVID I said, I don't know about all that, because I knew that, like, the girls were gonna get it. But I was like, beyond that. You know, will someone else get it outside of our community?

[Dustin]

Right.

[Tiffany Aliche]

But 400,000 copies later, the answer is hello.

[Fran]

Gave him. Delivered the mail. Okay.

[Tiffany Aliche]

Gave him the.

[Fran]

Exactly what they needed. Tiffany and I love that your face is associated with your brilliance and your brand. I think that you deserve the attention. You deserve the recognition, the facial recognition. You deserve that people need to look at you and know exactly who they talking to. So I love it.

[Tiffany Aliche]

Honestly, it's been crazy. I mean, it's to the point now we're like, at airports. I mean, tsa. I don't know. The ladies of TSA shout out to y'. All, you know, I know you're not getting paid right now, but they love me at the tsa. They be like, hey, budget. I'm like, I can keep my water. They're like, no, girl.

[Fran]

But anyway, you know, they're making money. When they're getting paid, they're actually. They making money. So you didn't taught them how to move that thing around, you know what I'm saying? Yes.

[Tiffany Aliche]

Like, literally a day does not stop me. I've had some embarrassing ones where, like, I. I've been to the gyo and it's like, is you. I'm like, I need you to. I need you to focus.

[Fran]

I hate that I can't lie my hands.

[Tiffany Aliche]

So it's been amazing just how many people have found it really accessible, as y' all know. Like, you know, I've had my Netflix special, Get Smart with Money, which is amazing. And then my own PBS special, which was like. Because I love me some Mr. Rogers. I said, not me and Mr. Roger, not me and Fred, you know, and so. So, yeah, getting that was called Get Smart with Money or Get Good with Money based upon the book. So it's really been an amazing journey to be a service.

[Fran]

Wonderful.

[Dustin]

And it wasn't just a New York Times bestseller. It was a Wall Street Journal bestseller. It was a USA Today bestseller. And we're. Like I said earlier, just in time, there's about to be a paperback release. So how does that work exactly? What made them release a hardback and then, or what do they call it? Hardcover? Excuse me. And then now a paperback all these years later.

[Tiffany Aliche]

So the way typically what happens is hardcover. Unless your book is just always going to be soft cover, hardcover books come out first because you make more money on hardcover books. You charge, you know, I don't know, 25, 30 bucks, you know, and typically the average book never sells over 2,500 copies in a lifetime, you know, but we sold six figures its first 100,000 its first year. And so usually what happens is after a year, book sales slow down. So they say, let's rejuvenate book sales by putting out the soft cover because it's less money, people, it's more accessible financially. But this book kept going. It took five years before they're like, okay now,

[Dustin]

oh, that's so interesting. So yours took five years before they was like, damn.

[Tiffany Aliche]

I know it's not really gonna spit out too much. Let's just go ahead and put on this, put out this soft cover. So that's what's so. Yeah. So amazing about it.

[Asante]

Beautiful.

[Tiffany Aliche]

If you get the soft cover before it comes out March 31, we have like a bunch of freebies and things that you'll be able to get with the book if you pre order it. But it's the same amazing book. I have the soft cover in front of me. I love it because so here's the difference.

[Dustin]

The hardcover, my hardcover, bigger.

[Tiffany Aliche]

So this can fit like in a

[Dustin]

bag, you know, like, you know how

[Tiffany Aliche]

sometimes you want to hold and squeeze and so it gives you that energy. But same amazing information, just like in a smaller body. So.

[Fran]

And where can they pre order, Tiffany?

[Tiffany Aliche]

So if you go to get goodwithmoney.com there's all these places that you could pre order from, from, you know, Amazon, if you still go to go to her. But also too, we always highlight small bookstores, especially black owned bookstores. So that way. Yeah, so that way you can, can, you know, get your books from them too.

[Dustin]

We literally just highlighted the national association of black Bookstores and how they created a directory so it'll be a lot easier for people to find your book and support small black bookstores as well.

[Tiffany Aliche]

Yes, please do.

[Dustin]

But Tiffany, the world is on fire. I'm like, where do we even start, Tiffany? I'm not even trying to waste time because like I said, hundreds of questions came in. Obviously we're not going to be able to answer a ton or all of them. But. But I definitely am feeling the anxiety that people have, and I want to make sure that we answer or quell some of that in any capacity. But how. First I want to ask you, how are you feeling with the state of the world and just all these conversations where money is the center of everyone's concern right now?

[Tiffany Aliche]

I had to largely get off social media because the anxiety was like. Because I bought myself an aura ring for Christmas, and this thing was like, My green one time literally buzzed. My phone was like. It literally said, calm down.

[Dustin]

I get it.

[Tiffany Aliche]

I was like, yeah. So I remember talking to my therapist, shout out to Dr. Green, beautiful black woman out of Atlanta. And I was like, Dr. Green, like, the world is on fire. She's like, you know, you don't have to follow along, like, on every platform, Tiffany, you know, so I took social media off my phone and I only check on the computer because it's less fun, so I don't get addicted. You know, you're not screw on your computer, you know, so that helps significantly. I also have always been someone who's lived under my means. Sometimes it's not possible, but if I have the means to live under, I try my best to do so. So that way, even during times like this, I. I am still nervous in some ways, but I'm like, okay, Tiffany, if you had to, like, cut back significantly, you could and afford to still maintain, like, a solid life for yourself.

[Fran]

Yes.

[Tiffany Aliche]

Um, and also, too, there are. For those people who are not kind of like in. In tight spaces, there are opportunities for investments, you know, So I have a friend, Terry, that teaches people, you know, you can. You can win in investing on the way up and on the way down. Right.

[Asante]

You know?

[Tiffany Aliche]

Right. So. But you have to be prepared for that. Meaning, like, you have to have a solid financial foundation, which is. That's why I teach what I teach, like, so you could be prepared to take advantage of. Of those moments when it's like, oh, okay, yeah, like, stocks are on sale, some of them. Right. I. I get to. To go ahead and buy them while they're lower, and then in five, 10 years when they're higher, I'm like, I'm so glad I was able to do so. So it's not always. I want you to think about this. I think about this all the time. That when it comes to money, money is not burned. So if you. Or if there's a group of people in mass that are losing money, that means there's another group in mass that are gaining. Why are you not on that side, you know what I mean? So I think about that, like, how do I position myself, myself to be in a position where, you know, I'm on the side of like gaining and then I get to redistribute to the people I care about.

[Fran]

There you go.

[Tiffany Aliche]

That's what I see myself as like, you know. So I'll give you an example. There was. So I bought this beautiful condo that I live in now. Shout out to Newark, New Jersey.

[Fran]

Congratulations.

[Dustin]

Okay?

[Tiffany Aliche]

And so I purchased this condo and there was a condo upstairs that a gentleman and his, his like 90 year old grandmother or his mother were looking to sell. She owned a bunch of real estate, but she's in her 90s now. She's like, let's just unload. It had been empty for over 10, maybe 15, 20 years. And I wondered, I'm like, I don't hear nobody upstairs. Love that for me. And so I had approached him about it a few years ago and he was like, oh, you know, he told me like 250, which was still a really great price. And I said okay. And so, but he kept kind of pushing it off, pushing it off. And then finally last year he said, Tiffany, I can't remember when I told you about how much that condo is going to cost. 200. I said sure, yeah, something like that, right? And then he said, well, I was going to sell it to like a, a family member for 175, like somebody young in my family so they can start their real estate portfolio. Now Meanwhile, this is two bed, two full bath, exactly 175. They said, but they're not interested.

[Fran]

What?

[Tiffany Aliche]

Yes. And I said, so he said, you want to come upstairs and see it real quick? I had seen that few years ago. I said okay, I'm here now I go upstairs. I said, this is real cute, you know, two bed, two bath, great light. I remember that like, okay, I need some Renault, but real cute. So I made the joke to him. I said, 150, you got a deal. He said, okay, I'm sorry, what? I'm sorry.

[Dustin]

What happened?

[Tiffany Aliche]

I wasn't even, honestly, I was not planning on, I wasn't going to buy. I was like, girl, you just going upstairs just to be nosy. And now I'm like calling my attorney, my real estate attorney. Property. I called my financial advisor. This is of property. But that's what I mean about being ready. Because I could resell as is probably for the 250, get my money back plus 100,000. Tiffany, I'm renovating it now. I'm going to put about $30,000 into it. Literally. If you hear some banging, that's them renovating upstairs.

[Dustin]

Nice.

[Tiffany Aliche]

And so I'm either going to rent it out or I have a few options. I'm going to rent it out. My stepdaughter, Alyssa, she's living with me while she's in school. Maybe, like, it'll be where she lives when she graduates or, you know, like. Because I don't really want to be a landlord, but I have some friends who are like, I hate where I live. And I'm like, I can offer you less rent and then my friend could live upstairs.

[Fran]

Yeah.

[Tiffany Aliche]

This is what I mean about redistributing.

[Asante]

Yes.

[Dustin]

You know what I mean?

[Tiffany Aliche]

Yeah. It's like, maybe rent someplace else. Costs 4, 500, girl for 3, 500. Just cover carrying costs. Yeah.

[Fran]

Right.

[Tiffany Aliche]

My friend is upstairs not messing up my property. And it's appreciating.

[Dustin]

Yeah.

[Tiffany Aliche]

That's how I try to redistribute the wealth. And that's what you get the opportunity to do that. That I know sometimes making a lot of money seems like. And it certainly can be like, you know, it feels. It doesn't feel good to your soul. Like, am I doing the right thing? But it's like, what do you with the wealth habit that you get to decide, you know that.

[Dustin]

And I love that you're sharing this story that's inspiring and feels magical because we need that energy infused right now. Because, like, a lot of the messages we received are people just feeling overstimulated, overwhelmed by this sort of doom and gloom that obviously the news and even if you're on social media, the new cycle, even finance people are just making you feel like you're never going to be able to catch up. You're never going to be able to buy a house, you know, do it right now. And a lot of people just feel like they're behind, they're late. A lot of the messages we receive, people are mainly saying, what's the point? You know, we got a lot of what's the point messages.

[Tiffany Aliche]

Yeah.

[Dustin]

If the world is on fire, if our government is this shitty, no one can catch up. I can't own a house. What's the point of stressing myself up, saving, you know, not enjoying my money right now, making myself happy and finding any joy that I possibly can during this time? What is the point? Are these accounts even going to exist in the Future? Social Security, 401ks. People are kind of just feeling helpless and Hopeless. So I don't know what you say to those who are needing some words of encouragement.

[Tiffany Aliche]

Well, I'll say this, that like you have to look back into history and realize that somebody said that during the recession. What's the point, everybody? I lost my condo during the recession. Lost my condo. Now I own four properties.

[Fran]

How about that?

[Dustin]

Come on, you know what I mean? That was 2008.

[Tiffany Aliche]

Yeah, I mean, we're not talking about, you know, I still got semi good knees. Human beings have such short memories for good and bad things, you know, meaning that like we have lived through so many bad things, so many. And we're here and resilient and here. So the point is, is that the tide turns and you want to be ready for the turn. That's the point. Because people said that and they got rid of. I'm going to, you know, during the recession, you know, I might as well just empty out my 401k. I did and only to find out, find out now. Dang. That $30,000 right now would be like 200 something thousand if I would have kept it in there.

[Dustin]

Right?

[Tiffany Aliche]

And so just giving up. The only time that it's over is if you're not here. You know, if you're still here. You don't know what can happen in a year, two years. Like the government doesn't have the final say. We know that. You know, no matter what your faith, practice or whatever you believe, you know that there are bigger things than just, you know, what the President of the United States says. Like, that's just not how that goes.

[Dustin]

That.

[Tiffany Aliche]

So for me, I believe in that you get to mine for joy. Like, I will dig through my life with the little pickaxe to find the joy gems in it to be like, I took a walk earlier today and I was like, oh man, it's so pretty out now. Spring has hit. You know, my sisters, I have another house, the house that my late husband and I had purchased together and we got renovated. My sister and her two kids live there. It's a 15 minute minute walk. And so like, especially on the weekends, I love walking there, ringing their doorbell, messing with the kids because they live on that damn tablet. Roman is 10, Amelia is 8. You know, but like, what is, what a joyful thing that in 15 minutes I can walk to, to my sister's house knowing that they're safe and they live in this beautiful home that's paid off. She just covers the carrying tax, the carrying cost, you know, and then my other friend Rihanna, who designed all of the homes that I've had. She lives down the street from there. So I'm like, let me see where we cook. Because she's West Indian, we as Guyanese, she always, you know, and then my best friend Cabral lives on the court. But do you see what I mean? Like, yes, there are definitely times when I've overwhelmed, but there is joy to be plucked mind and cared for. And so that's what I encourage beyond money to mine for joy and hold on to it tight and know that times like these won't always be like this. That your grandmother will tell you about. Oh, Lord. Times like these, your parents will tell you about. Oh, times like these.

[Dustin]

Right.

[Tiffany Aliche]

You know, and so like. But it's not. These are not the only times that available, you know.

[Dustin]

Right. What are some practical shifts that people can be making right now to help reduce some of their anxiety?

[Tiffany Aliche]

And so one of the things you can do is like asking for help, right? So you're not really supposed to navigate money by yourself. And so you might not be able to afford a financial advisor, although it's not as much as people think. So a financial advisor is like saying, I'm a teacher. You really should be looking for a certified financial planner, which is like saying, I'm a Harvard trained professor. Okay, so it's a type of financial advisor, but the gold standard. You see what I mean? And so like a financial advisor can cost as much as a few thousand dollars a month or $150 for one session to sit down. So you could do one session a year for 150 bucks for the year to say, here are my worries. Can you take a look at my finances and just give me some like, like what I should do. So I have a friend that meets twice a year. She pays anywhere from 150 to $300 for that sit down. And. And so starting with like some basic advice and even if you're just like, well, I can't even afford the 150. There are literally so many free communities. I still have my dreamcatcher community where it's totally free. I want to say there's like tens of thousands of people there where you could just ask questions. How are y' all doing this? Has anybody used this company? Does anybody work here? I'm looking to get a raise. What should I be asking? So, you know, I tell people when one to look for the experts to lean into. Follow a handful of social media folks online that you can like listen and say, okay, like we try to keep people up to date of what's actually happening. I told my team, not from a place of doom and gloom, but from a place of empowerment. What can you do right? You know, so when the news comes out or breaks, the government said this, this is what that means and what you can do, you know, so you want to look for people who are empowering in that way. And then it might be hunker down time where it's like, you know, know what? Let me cut out some of these expenses. I, I know for so many people they're like, I don't have any excess. But if you are still somebody who has some of your excess, you know, it might be time to cut back on some of your expenses so you can like build up a little bit of your nest egg before things might go left, you know. So for me, after losing my, my house, my condo in my 20s, I told myself I need to have more emergency savings. And so I like to have a chance between six months to a year because I'm an entrepreneur. So things can hit harder when you're an entrepreneur. It could take a lot longer to recover. Same even in business. My business, we keep about seven months to a year worth of like operating expenses, basically emergency savings. So piling up on that and then also too consider like now it's time to lean into community. When I was at my worst, my sister's couch and I were like, hey girl, you know, and so like, like lean into community. My sisters, my friends live around the corner. I mean I, I, in my early 30s, I was on some Golden Girls. Like it was me and a group of other friends who rented a house and we paid 500 bucks a piece. I was like between ages 30 to 34, I did that 500 bucks. And that's how I got off my feet to start the budget. Nista and so like, don't be too proud to ask yourself like, you know, what can I live in community with other people? What does that look like? I know I never thought about a roommate, but my best friend is, you know, she got two kids too. Maybe we could co raise these kids, you know. So I want you to be open to the fact that you're not out here alone. If you do feel alone, then find your, Start finding your community online and say hello to your neighbors child.

[Fran]

One of my family members did that. Tiffany. One of my family members, they had just gotten married and they had, they had their first kid together and they moved into a rental home that belonged to someone in the family and stepped in stacked basically didn't have any rent and ended up building a home, starting two brick and mortar businesses that have gone on to, went on to raise their kids, one of their kids is a physician, all kind of stuff. But it all came from that start. So that's a really good illustration of how you can do that.

[Dustin]

That's goals too, to really tap into your community. When you mentioned the emergency fund, where's the best place to keep that? Would it be a High Yield Savings Account? Okay, you don't want to keep it in the bank savings. So you're getting like the banks we hate.

[Tiffany Aliche]

When I say it, I'm like, girl, you don't get no money. The banks are going to give you 0.000000 a piece of a piece a piece of a piece of a piece of a patty.

[Dustin]

Literally, if that, if that, you know,

[Tiffany Aliche]

if they're not charging you. But like a High Yield Savings account is at a bank, but typically these are online only banks because they don't have the same overhead as like one of the brick and mortar banks that you see outside.

[Dustin]

Right?

[Tiffany Aliche]

And so people like my friend Catherine was just asking me, girl, where are you putting your money now? What High Yield Saving High Yield Savings is, is that it will be high this year and then mediocre the next year. And so I don't do too much hopping around. I kind of find the best one I can find and only leave when like I can find something that's maybe a whole point, point and a half higher. So like, let's just say, yeah, like mine is like giving 3% and I'm like, who's giving 5%? Hold up. Then I might make the switch over, you know, because it's worth it. But if you're giving three and I've been here for a while, you're giving three and a half, I might be be like, eh. So I like to wait until like maybe another bank is giving a whole percentage, a percentage and a half more. But just do your Googles because I couldn't tell you. I'm like, of course I love allies. Citizens bank at one time was given bank. So I was there for a minute and then when they dropped, I said, I'm out of here. You know, like these hoes ain't loyal and neither should you. You know what I mean? Okay. And so I just think that. So yeah, High Yield Savings. Just do your Googles. What you're looking for is a few things. You want to make sure it's FDIC insured. That means the Federal government has backed it up to $250,000. So if the bank goes under, you'll get your money back up to that amount of money. There shouldn't be any fees. Most savings accounts don't. But just in case, the number one thing, too is of course the highest interest rate. And when will you receive it? Meaning. Because sometimes a bank will say, we'll give you 5% if you save $10,000. You're like, I ain't got $10,000. You want that? You get that percentage if you have a $2, $10 in there so that you get the high offering no matter how much money you have saved.

[Dustin]

And my other question about the high yield savings account, because you know, when you go to transfer money from your savings account, let's say, to your checking account, it'll. It may take a couple of days. Yeah. Which let's say if someone has an emergency, you don't have a couple of days. Should you have money in a savings account in a regular bank as well, in case of emergency or how should you work? Work that out.

[Tiffany Aliche]

So I, I like the fact that high yield savings are inconvenient because inconvenient money gets saved.

[Asante]

Right?

[Dustin]

Right.

[Tiffany Aliche]

You know, meaning, like, you know, sometimes. Why are you down? Because right now there's a Macy's by me that's going out of business.

[Dustin]

Come on, child.

[Tiffany Aliche]

70 off that furniture department. After this, I was like, my sister called me. She's like, I'm at Macy's, girl. It's a mess. Everything's on the floor. But I don't care. I'm over here digging, girl, get over here. I was like, I got a podcast. But, you know, like, so my checking might. Because I like to have two checking, one for bills, one for spending. So, like, my spending account might be like, girl, you know, you spent me already. It's gone, it's over. You know, and then I don't attach my bills account to my debit card because we're not trying to be out here swiping away your bill money.

[Asante]

Right.

[Tiffany Aliche]

So you want to. You could literally call the bank and say, disconnect this checking account that's for my bills from this debit card. So you're only ever swiping that one account, which is your spending account. And now, so if I'm wanting more money and I'm like, oh, savings, got it. That means unless you have a sleeping bag and you're going to sleep there overnight, that transfer is going to take at least 24, sometimes up to 72 hours, that's a good thing. But if you, to your point, Fran, if you have an emergency, like if it was an emergency that needed now, now, now, that's what I have a credit card for. I, then I can transfer the money and pay off that credit card for the now, now, now. Because I don't like to have, because you don't, you don't want to have, you know, two, three, $4,000 in a savings account where you're making next to nothing, where maybe, you know, you can make an extra hundred bucks maybe or so a year, you know, like having that money in a high yield.

[Dustin]

I'm actually glad you said that because I have always kept a couple thousand in like a bank regular savings because there's a part of me that's like, you never know, it might be a day of necessity, you just never know. But then you look at it, you're like, but this could be making yes money. If I, if it was in my

[Tiffany Aliche]

high yield savings, I would say under a thousand.

[Dustin]

Under a thousand would be fair.

[Tiffany Aliche]

Just like, you know, you want a few hundred, like oh my gosh, okay. But like under a thousand. Because that way you're like, and even in your high yield, it's possible to over save. So past six months a year, if you're an entrepreneur, you're actually over saving, you know, because then the rest of that excess money should be invested. So if you're a regular degular person, you're a nurse or you're, you know, accountant and whatever, six months is probably more than enough past that, it's like that money should be put to work to make more than the 3 or 4% when the market in general yields anywhere from 7 to 10% annually, you know, up and down, but still over a 10 year span, you're looking at that range of like around that 8% range. So that's more, you know, that 8% range is more than like what you would get with, you know, with a high yield, which is 3 or 4%. So you see what I mean? So even, even then it like kicks out. You don't want to over over save. You know, you don't want to overspend, but you don't want to over save because anything excess is to be invested all that you do with your money. Like if you think about this with your money, the I want you to think that like all roads, my dad would say all roads lead to Rome, right? So Rome is investing. So you're budgeting so you know how much money you can save, you're saving, you know, so yes, so you can have some security, but so you know how much excess you can invest. Because investing will allow you to have, you know, money later on down the line though you don't have to work anymore anymore. So all that you do, your credit is such, in such a way so you don't have to pay more for things like your, your mortgage interest rate, your credit card interest rates. Like you're, you're also too, that you're not spending a whole bunch of money on credit cards every month. All that is so you have excess saving so you can invest. So just think about that trickle, right? You know, because if you can invest, you can work. You can not work one day.

[Fran]

That path is so difficult to see if your ass been broke before, right? Because it's like when you finally start making stuff some damn money, Tiffany. And you finally able to save some money too, right? You finally able to put you $10,000 up, you know what I'm saying? Or whatever. The thought of now putting that money that gives you that sense of security you were just referencing up to be risked, like to be lost is hard for people to understand the value of investment. But I'm glad you illustrated it that way so that you don't have to work later on. If you can't understand this too, that

[Tiffany Aliche]

like you have to think that like you to play the game that like that they, that they're set to win. Do you think, think about like the current administration and the people that are currently benefiting from like this like patriarchy benefiting. I mean those people are in the market. You think they letting this market crash. You think the stock market is for real. It's like, it's almost like they're, it's like you are driving. If you can get in the backseat of the Lamborghini, you think that they're going to take the brakes off the Lamborghini that they're driving? No. And so that's the thing like once you learn that there are areas that are kind of protected, then you can get in there too. And guess what? The market does not know that you're black. The market does not know if you know what your, what your sexuality is. The market does not know if you are Hispanic, tall, short, whatever. It don't know nothing else except for the money is in you or not. And so that's the thing. Once you realize that. So for example, if you feel like, oh, I don't want to lose, well, there, there are money market, not money Market there are mutual mutual funds and things called ETFs that essentially like our collection of investments that follow something called like the S P 500. That's the top 500 companies being traded in the, in the stock market. Right. And so what that means is that you get to basically invest in the market. And like I said before, for the last hundred years on average the market has, you know, some people will say 10 people say, say 8% that just know that like that that range of 8 to 10% annually, meaning some years is up 30%, some years is down negative 10. But if you give yourself that span, you know, of like 10 years or so, you're going to see about an 8 to 10% return. And so you can literally just invest in the market, meaning like I'm gonna do what the market do and so you don't have to know how to do anything else. And so that's the average about like what people do too. It's so of course nothing is guaranteed. The key with that is, is that you want to make sure that when you're ready to take your money out, it's not when it's in a downturn.

[Dustin]

Right. You know what I mean? Where you're at a loss.

[Tiffany Aliche]

Yeah. So like, let's just say you're 65, you're like, oh, this the year I retire. And it's like, girl, you should have took me out. So that's why they say the closer you get to retirement then you start to shift that money out of the market even though you're like, dang, I might hit up, be able to hit a lick right before I retire. It's better to shift that money out of the market and kind of sit it basically in a high yield savings account is what people end doing where it's kind of sitting just growing slowly or bonds or things that grow more slowly and more conservatively. But essentially if you do that, you'll be okay because these, the very, they're not going to sink the very boat that they're sitting in, you know, so you, you got to sit in that boat with them.

[Fran]

Makes sense.

[Tiffany Aliche]

But use their money in a way that, that aligns with your values.

[Fran]

Makes sense. Welcome to the friends.

[Tiffany Aliche]

Every time I'm in, the eczema is unpredictable. But you can flare less with ebglis, a once monthly treatment for moderate to severe clear eczema. After an initial four month or longer dosing phase, about four in 10 people taking Epilis achieved itch relief and clear or almost clear skin. At 16 weeks and most of those people maintain skin that's still more clear at one year with monthly dosing.

[T-Mobile Announcer]

HempGlass Lebricizumab LBKZ a 250mg per 2ml injection is a prescription medicine used to treat adults and children 12 years of age and older who weigh at least 88 pounds or 40 kilograms with moderate to severe eczema, also called atopic dermatitis, that is not well controlled with prescription therapies used on the skin or topicals or who cannot use topical therapies. EBGLIS can be used with or without topical corticosteroids. Don't use if you're allergic to ebglis. Allergic reactions can occur that can be severe. Eye problems can occur. Tell your doctor if you have new or worsening eye problems. You should not receive a live vaccine when treated with ebglis. Before starting ebglis, tell your doctor if you have a parasitic infection.

[Tiffany Aliche]

Ask your doctor about ebglis and visit ebgliss.lily.com or call 1-800-lilyrx or 1-800-900-545-5979. Critics and audiences agree. What the hell is this place?

[Asante]

Only three letters describe they will kill you. Wtf? Splendid.

[Fran]

USA Today calls it bloody and bunkers.

[Tiffany Aliche]

Are you ready to die? IGN declares it's electrifying.

[Fran]

Action, cinema and popcorn.

[Asante]

Entertainment to the max.

[Tiffany Aliche]

How many of you are there?

[Fran]

It begs to be seen in a packed theater.

[Tiffany Aliche]

Please remember to clean up the blood.

[Fran]

Wow. They will kill you. Now playing only in theaters.

[Asante]

Rated R under 17. Not admitted without parent.

[Fran]

Mud, sand, snow, the track. Places where excuses don't work. Where capability is something you prove. One race at a time. Off road racing. Formula one. Different world that pose the same question. What are you made of? Every ground is our proving ground. Ready, Set.

[Tiffany Aliche]

Forward.

[Dustin]

You hit the nail on the head for me, Tiffany. Aligns with your values. This is where I'm struggling. Yeah, because I initially, when my money started coming up and I was able to start really, you know, I got the good savings, I got the good healthy checkings. Now I'm like, it's investment time. I'm like following all the finance people. I have some people in my life that are really wealthy. I'm like, what are you invested in? You know, just kind of taking a little bit from here, a little bit from there. Because it's a new world for me. I started investing, but then at some point I started asking myself questions like, okay, but what did you Just invest in.

[Tiffany Aliche]

Exactly.

[Dustin]

Because people will say, these are the top businesses, this is top tech, this is top this. But what is your money funding? And then when you see wars and you see how AI is being used for surveillance, or, you know, it's like. Or the software is being used for surveillance and then you start seeing names of companies and then you realize that you just invested in that company. And so then now it's kicking up for me is the ethics of investing. And I had this combo with one of my finance peers and he laughed and said, girl, ain't nobody thinking about that. He was like, just put your money in, get rich and get out. And I just feel like that's a struggle for me. I can't, I can't be fighting against a system that I am also pouring money into.

[Tiffany Aliche]

That makes no sense. Funding and fighting against the same funding and fighting.

[Dustin]

And it's like we are opposing it at the same time. And so what do you. How do you decide that? Or is that something that you kind of have to play the game, like, where do you land in that conversation?

[Tiffany Aliche]

You can. So there are literally funds. There are like women owned funds where somebody will do the work to say, these are funds that are run by women. There are green funds where they're like, these are fund where funds where these companies uphold a certain level of environmental safety. You see what I mean? So you can literally.

[Dustin]

Conscious funds.

[Tiffany Aliche]

Yes, you can literally look for funds that you're like, okay, these are funds. None of these funds are with companies that support work because there, there are funds like that. So that means it's just a little extra digging. But this way it's also too sometimes nice to work with a certified financial planner because you can say, these are my values.

[Dustin]

Got you.

[Tiffany Aliche]

And so when I was looking for a financial planner, I was clear. I'm like, okay, here are my values. Here's how I want to make money. Here's how I don't want to make money. Here's where I want to be by the time I'm 50, you know, here's how. What I want to own, you know, and so they help to map out a plan of how do you get there? And explain to you, here's where your money is this okay? Like, you know, like, these are the funds. And here's what I found for you. Are these okay? So you. Absolutely. You might not make as much. You might, you know, because just because a company doesn't participate in a destruction of this world does not mean that they're not, you Know, making money.

[Fran]

Right, right.

[Tiffany Aliche]

And so like, you know, so it doesn't mean that you won't, but you might just take a little more time and you don't have to do that by yourself. You could sit down with someone and say, you know, are you someone that could help find some of these funds that, that I want to participate in? Because I do want to invest, but I want to invest in a way that aligns with my values.

[Dustin]

I love that. That's actually a relief because you start feeling like with, you know, in the s and P500, the top companies, there's a party that's like capitalism. They have to step on someone's neck to get there. And then it's like, and then people say, oh, but there's a lot of like mom and pop style shops on there that you could be helping. But it's like, I might as well invest that into my own self if I'm mom and pop. I need my money too. You know what I'm saying? So it's like I found myself asking, what's the right way to do this? But I think that's a great tip. It's like you can ethically, consciously invest and it may take a little longer, which when you quote unquote, do the right thing? It usually does take a little longer, but you feel much better about it. So that's. Where would someone that's interested in that, what's the first step? Like where would you find this professional that could help you sort out these, these businesses?

[Tiffany Aliche]

So you can. So there's like advisor.com or like honestly, I created this site called me make sure I get you the right. I think it's like your money match. Your. Yep, your money match dot com. Right. And so because I partnered with this organization, organization that will like you put in, you do like a basic survey and then it connects you to up to three advisors that you can start to interview. And what's, what's so great about it is so the matching itself, it's free. Like you don't pay me, but you obviously pay the advisor. You decide to work with them. But let's just say you do your money match. I'm just going to put it now, right. Let's say that you decide to do your money match. What I did, what I was committed to doing is you answer some of these questions and once you answer to them, I then help you with like, here's some questions to ask them. You know, here's how you prepare for the meeting. Like, so the Company we partner with for this is called Wealth Ramp. And they're like, we can always tell when it's somebody that you sent through here because they have their list of questions. They have this thing where I created called your so called financial life, which is just a blank document where you get to add everything. Like, this is how much I make. This is what I want to do here.

[Fran]

Great marketing, by the way. Tiffany.

[Tiffany Aliche]

I know Financial Life. Some of these young girls, they don't know nothing about that. Okay? And John Leto, okay. He's the only white Cl to go up, okay? MTV was doing a damn thing.

[Fran]

Yes, it was.

[Tiffany Aliche]

I can't believe MTV ain't here. Cuz, like, that's how we learned about Tiana Taylor, my super sweet 16. Okay, I forgot Tiana, I saw her on.

[Dustin]

Was at the.

[Tiffany Aliche]

The back show, backstage at the Today show. And she was there. She was so nice.

[Dustin]

Fabulous.

[Tiffany Aliche]

Of course, of course. So nice. No, but honestly. So that's the thing, right? So that's where I would say to start, even if you decide not to use Wealth Ramp, use the free tools after you go through the process. So that way as you interview your own, you could start like with Fran, what you said, which is asking your friends, who are you using? I suggest you interview at least three or four. Four I did. You know, so before I interviewed them, I gave them the my so called financial life sheet filled out. So I wanted them to kind of like pre vet themselves because sometimes they're like, like there's one lady was like, oh, you know, I'm a financial advisor mostly for doctors. I'm like, okay, good. Or like, I do mostly divorcees. Okay, good. Or I do people you have to have, you know, at least a million dollars to invest. So you know what I mean? You want to make sure that you find the right one, then you interview. What you're looking for, obviously, is expertise, but. But also vibes. Like, yeah, because you got to tell your business, right? Can I see myself tell my business? Like to this person or do I feel, you know, do they make me feel weird or, you know, like, I'm Anjali, she's around my age, which I like because I was like, girl, because we gonna be locked in for life, sis. You know, I interviewed like 20 advisors before I found her. Why I liked her is because she not only was a cfp certified financial planner, she was a cpa, certified public accountant. So she does the budget. Nista and Tiffany. So she does the business side. Everybody doesn't need all that. And so as A result, the budget needs to pay her. So it's a write off to work with her. You are so smart and so, you know, so. But it took me a while to realize, oh, that's what I needed. And so like, yeah, I just encourage people don't. Not to. Not to go it alone. You have your doctors, you know, you have. You should also have your financial team and that's somebody to consider adding to it.

[Dustin]

And all the links that Tiffany's mentioning, as always, will be in the description box. So you don't have to worry if we didn't get these jotted down.

[Asante]

Dropping all the gems.

[Tiffany Aliche]

Tiffany. All right, now I'm trying to think. When I first came on, how many years ago was that?

[Dustin]

I don't know.

[Asante]

Let me keep the show young. You know, I'm saying

[Tiffany Aliche]

I'm going to

[Dustin]

guess, I'm going say five, six.

[Tiffany Aliche]

Honestly. No, not the first time I came on.

[Dustin]

You don't think it was that long ago.

[Tiffany Aliche]

No, I think it's longer than that ago when I first came on the first show.

[Dustin]

We just hit 10, so. Yeah. Because somewhere between.

[Tiffany Aliche]

I came on twice. So the very first. First time because it had to be more than five because this will be the fifth year since Jerell passed away. And I know I came our way before that.

[Dustin]

You're right. Because we had an episode about finances and grief.

[Tiffany Aliche]

Yes.

[Dustin]

Remember, we were virtual.

[Fran]

Right? It was virtual.

[Tiffany Aliche]

So the first time I came on, it was in person. I came to your. It was a studio in New York. I remember.

[Dustin]

So this had to be like eight years ago.

[Tiffany Aliche]

Yeah.

[Dustin]

Yeah. Wow.

[Fran]

Look, we go way back, Tiffany.

[Tiffany Aliche]

Well, the reason why I say that is because that was eight years ago, I think. I don't, I don't know if I had like made my first million in business yet, you know. So I'm just sharing just how like life can twist and turn for you, you know. And so like, you know, now I've grown myself to be someone who I'm like, wow, Tiffy. I don't really. It's hard to discern the difference between rich and wealthy. I don't know if I call myself wealthy, but I am rich. It's the same FR History. Right. I struggle with. What does that mean? What is that? You know, I have chosen to use my wealth. Yes. I'm finally learning how to use it to be in service to myself too. But I use it really to be in service to my community and the people that I care about. Like, I paid off my parents house. I want to make sure My sisters are okay, you know, like, I like all my nieces and nephews, I, you know, college is funded for them. My friends who have, like, nonprofit organizations, I get to donate to them. And so, like, there's always like. I mean, I hate to say this. I'm like, don't be s of my DMS like this, but teachers sometimes will hit me up and they'll be like, oh, you know, in general, like, can you donate to my classroom? Whatever. Sometimes I just clear that card like, you ain't got to worry about it, sis.

[Fran]

Boom.

[Tiffany Aliche]

You know, they're like, really? But I know that. That what it used to be like to be a teacher, you know, and having to, like, pay for things out of pocket because you want the baby, sacrifice something nice. And so that's what I realized that, like, you know, because sometimes I feel guilty. Like, why me? There are other people who work harder. There are other people who are smarter.

[Fran]

Because you deserve it, Tiffany.

[Asante]

That's why.

[Tiffany Aliche]

But it's hard to, like, you know, to France court, you're like, hey, does

[Dustin]

anybody deserve, like, I, you know, but

[Tiffany Aliche]

I'm just like, well, but in, like, it makes me feel better to use it in a way that I'm like, I know people are better as a result of it. Of me having access to it. That part.

[Dustin]

You blessed us all these years with information.

[Fran]

You're your own living business card, right? Like, look at how you living friend. You know what I'm saying? Like, you're secure. And that is exactly what you teach people. You give people the tools to find that and then to ensure it even more through investing. So you supposed to be the first motherfucker rich.

[Tiffany Aliche]

I know.

[Asante]

And it's so inspiring. It's so inspiring because when you think about just personal finance and where people come from and where you sometimes you see other people, a lot of people struggle with the thought of, damn, I'm not making enough to do anything. And so then finally, when you do get to a point where it's like, wow, I'm making, you know, not so much, but I'm making more than what I was making. What do I do with it to, you know, make sure that I can make more? All right, now I'm making a little bit more. How can I help others with it? You come on. And you. You just give such great gems about everything. And it can be the little list of things like, banks have been around forever, but for you to talk about. High yield savings account. I have one. I've been had one. But a lot of people are like, like France said, it's inconvenient, so I don't put my money in there. Some people are like, the banks are inconvenient. I don't put my money in there. You're literally showing, like.

[Dustin]

I didn't say it was inconvenient, so I don't put my money in there.

[Asante]

No, no, no. I'm saying that you were saying how,

[Tiffany Aliche]

like the high yield savings. You mean like, like, oh, I don't, you know, I don't want to have to wait for that.

[Asante]

Moving the money for that. Yes, moving the money in the highest savings, how that can be inconvenient. And then for some people, they think that the bank in total can be inconvenient. So they're like, I'm just not going to put my money in the bank. So for you to come on, talk about, all right, here's what you can do with money. Here's how you can save it. Here's how you can invest it. I had a property people could move into it. Like, I just think it's super dope. And I love that you always come on and you give such great things. With all of that said, as far as accounts go, I was laughing with a friend of the show. Won't put their business out there about how we. Just joking, like, we'll randomly open up a bank account here or there. Not even. Because we'll see, like, the little offers, right? Like, some bank accounts will get. Give you like a, you know, $500 for opening. I forgot why we even were talking about this. But the question is, how many accounts is too many accounts?

[Tiffany Aliche]

Too many accounts is when you can't keep up. So one asante if that's true, go to unclaimed money. Like Google unclaimed money.

[Asante]

Why?

[Tiffany Aliche]

I had $2,500 sitting there. It was sitting from escrow for my first property. So escrow is when they hold excess money to cover something that they think might come up later.

[Asante]

It did.

[Tiffany Aliche]

So that money's been sitting in the account. I didn't know. And so unclaimed money, like, because I was like telling someone, like, oh, unclaimed money. I was like, like this. I'm like, wait a minute. I was doing as an exercise, I said, oh, $2,500. Run me my money.

[Fran]

That's right.

[Tiffany Aliche]

So like, so, so one, you want to be able to keep, you know, keep track. And so definitely look up unclaimed money to make sure that nothing's just sitting there from before. Let me do that and I personally like to have four core accounts. I mean of course you have your investment accounts and things, but as far as bank accounts, I like to have two checking, two savings. So checking one is for spending. And so think about this as like your allowance account, you know, where it's like when you swipe, you know, you get a haircut or you're getting your lashes done or food or whatever, it's attached to your debit card. Checking two is your bills account. And so this is where your money for bills is going to land. And if you feel in real grown, you can have your bills account automatically pay your bills for you. And you're like, not quite yet because I might not have it. And you can go in every two weeks to pay your bills yourself from that bills account. And those two checking accounts. Regular bank, you just want a regular brick and mortar bank. Like the banks outside, they don't pay me no money, so I ain't saying no names. You know, when you see outside of banks, right. And then two savings. So these two savings should be at high yield savings accounts. Saving one for emergencies where you're like, this is where you keep your at least three months ideals, ideally six months, no more than one year of your, of your expenses to save there. And then the second savings is for goals. So you want to buy a house, you want to buy a car, you want to buy a. You know what I mean? Goals. That's like within the next three to five years you're like, I don't want to put it into the market because I need to pull it out in a year or two for my down payment on my house, you know, or like when I get $2,000 saved, I'm going to invest it in the stock market. Great. You know, so those are the four. And what I like to tell people who especially don't like to budget is to go to hr, go to payroll and, and ask them to split your check before you get your check. Yeah, split it before you get it. And to do the math and say every paycheck, here's how I want it to go into those four accounts. For most people it's going to be very bill heavy. You know, it might be bill and it might be. And then the rest is mostly spending. And then maybe you don't even have anything to go into your savings just yet, or maybe you just have $10 to go on. Each of them still started. And then over time it's that automatic deposit. Like where it's like my bill money lands in my bills account automatically. My SPE spending money lends in my spending account automatically. My savings, if I'm able to, lands in my savings. And so that split it before you get it means that you never have to ask yourself, wait, that's been my bill money? No, because it landed in your bills account. You couldn't have swiped it. It's not a catch to your debit card. And either your bills are paid automatically or you go in and pay them yourselves. And so these are, you want to set yourself with, with these tools and tricks. I don't, I don't think you should power through money. I'm not as responsible responsible as people think. A lot of it is automation because automation really is the new discipline, you know, like you set up the automation and you set it and you get to live your life and you just have to adjust. Like maybe you're like, oh, I can actually save more. So you tell HR, you know, I can only do 10 bucks into that one savings. Let's do 100 now because I got a raise, you know. So you want to set those automations

[Asante]

up, those good habits.

[Dustin]

I learned that from you. The separation of accounts. I don't know if it was one of the earlier episodes with you, but that's been, I mean, it's just a relief too just to have the bill pay account because it's like I have. Every bill that comes to me is attached to that account. Yes, there's a certain amount I keep in that account because I know what the bill is going to be. And so it's just everything's automatic. I don't even worry about it. Even the amount that goes into that comes from another account that automatically, you know, so what they said is building those systems. And then my play money is in the other checking. I see what it looks like. So I'm never dipping into what needs to pay for water or whatever, you know, whatever utilities or the house. And so it's, it is really nice and it's a way to budget without necessarily like, yes, you know what I mean? For people that there are a lot of questions like, oh, I have adhd. I'm not good with executive functions and budgeting. They have tips and I feel like this is for us.

[Tiffany Aliche]

How about ADHDs in the building? I didn't even know I had ADHD. I was at an event talking and this psychologist was like, not to be shady girl, but you got adhd. I said what I might because she was like, I'm listening to your cadence when you Speak. I am zip zip, zap. You hear me? I'm like here that. Because my brain is literally the words are coming out, my brain has moved on and I'm like, wait, let me catch up. Was like. So as someone who, I mean I've never been officially diagnosed, like, you know, as someone who possibly navigates from that place. I get it because you're right, I couldn't sit down with pen and pad every. No, no, no. Everything is automated. It does take a lot for me to get the initial automation going sometimes, but once you do, you don't have to think about it. And what I really love about that is that if you do that, it, it, it solves the issue of budgeting the savings because it happens automatically. It solves the issue of paying down debt automatically. It also solves credit because 35% of your credit score is paying your bills on time.

[Dustin]

That part.

[Tiffany Aliche]

So like credit is solved for you know what I mean? So that's one of the things I think that is so. So in get go with money I talk about these 10 steps to what I call financial wholeness and the 10 pillars, right? Yes. So because financial wholeness just means that like, not that you're gonna be rich, you're gonna have a pile of money, but I can comfortably take care of my, myself if I'm, if I mastered these 10 steps. And what's so great about it doesn't matter how old you are, how much you make. And so the 10 steps are budgeting, savings, debt, credit, income, that's the foundational five. And then investing for both retirement and wealth. Insurance, your net worth, your financial team and estate planning. Right. So estate planning for example, say for like 20 year old Asante might have looked like I put my mama on my, on my beneficiary form at the bank, like you know, from my bank account, but maybe for like, you know, 40 something year old Tiffany. Estate planning is, is a trust and wills and you see what I mean? And so like what I love about the 10 steps to financial wholeness, it meets you where you are and so at every level you adjust to say, oh, now that I'm in my 30s, these steps will look different. Debt will look different in my 30s. Now that I'm in my 40s, it's going to look different. So you know, that's why I wrote the book. But that's what I want for everyone. I, I'm, I'm not interested in everyone growing all this wealth. That's great if that's what you want. But I am interested in everyone being able to take care of themselves and living life according to what they'd like for themselves. And financial wholeness can get you there.

[Dustin]

Can you tell us a little more about the 10 pillars of financial wholeness? I know you can't go through, you know, too much detail with each one, but even just the tips of each one, some hacks or so people take away budgeting.

[Tiffany Aliche]

So we just did split it for you before you get it. So that's like if you don't know how to budget, you could do that. You got it. HR Savings, that's that automation savings is putting that money in that high yield savings account because it makes your money inconvenient and so you're more likely to save because you can't transfer as quickly. You know, so so debt debt is if you put that money in your bills account and you just have it paying that debt down regularly and using like I probably would start with something called the snowball method which is just when you pay the debt off with the lowest balance first, like that's where you focus most of your money. Everything else gets its minimum.

[Dustin]

Okay.

[Tiffany Aliche]

And so like that will help you significantly pay down that debt but you automate that process credit.

[Asante]

I don't like that one.

[Tiffany Aliche]

Which one you don't like that you don't like the snowball method.

[Asante]

I know it makes sense and it absolutely works but I just be like in a.

[Dustin]

You want that, you want to put it down?

[Tiffany Aliche]

Yeah, you know, you know what, that

[Dustin]

makes sense Tiffany, because you're getting rid of the small ones. It's like small wins. You're like inspired.

[Tiffany Aliche]

And so for those people who are, who honestly asante you might be more like I guess left brain. So you can focus on the debt with the highest interest rate first if you really want to kill like you know, so but for people, most people want that small win so they like to focus on the debt with the lowest balance first. So so that's that debt. Right. And so and also too another quick like hack for paying off your debt is using something that I like to call unexpected money. So that's just any money you get outside of your job. So this is your refund check, this is your sister pay you back. You weren't expecting it. This is you know, you down at Macy's and you were like okay, about to get this dress or this shirt or whatever and it's 50% off. You were planning to spend the whole hundred dollars, that fifty dollars that you were already gonna spend. Put it Toward debt right on your phone. Let me make a quick payment unclaimed

[Fran]

money from the website so you get

[Tiffany Aliche]

your unclaimed money instead of like hey, look at go. You have to look at God indeed. Go ahead and transfer that.

[Fran]

That's right.

[Tiffany Aliche]

Hang over there to either debt or savings. Right. Income, A quick hack for income is the best place to make more money. Is where you currently work. See about. I mean, I know times are really rough, but if you bring a lot of value to your job, see about asking for a raise after you collect what I call a go me file. We talk about talked about this before where it's like basically it's your brag book but you want to be specific about ways that you've made the company money or save the company money. You know, and if you're really, really good, they're not going to want to lose you. So also you have to ask yourself, am I bringing value?

[Dustin]

So my, you know, team meeting.

[Tiffany Aliche]

Exactly. My team has asked me for raises and we were like, I was like, you know, times are tighter than they used to be. I can't do a raise. But I came up with a commission opportunity. So you see like I made a way because I'm like, I don't want the delays, you know, because that's how valuable they are. So now I'm like, okay, I can't give you a raise because I can't guarantee I can make payroll every month if I give you a raise. But if you bring in this, I'll give you a piece of every time you bring bring this in. So they're like say less. All of a sudden productivity is kicked up, you know. So for income, like asking for a raise and. Or if you are going to do like a little side business, not like something you're trying to make it to your main business. I like to do things that either I know how to do. No new skill. So like when I was a teacher, teacher I babysat or I have a degree or certificate in so they can pay me more. So I tutor too. But as a tutor, I can make 50 bucks an hour instead of 30 since I had my teaching certificate.

[Fran]

Yeah, okay.

[Tiffany Aliche]

You know, so that's for the first five those hacks investing. Right. So this is number six. If you work at a regular company, you know, look for something called a target date fund inside your like your 401k like account. You could, if you get your 401k paperwork, there should be a name there somebody you could call because it comes with an advisor and Just say y' all got tiger date funds. That just means you pick the date closest to whatever day you're thinking you're going to retire. So if this is 20 years from now, whatever, you know, 2046. So you look for a target date fund that's closest 2046. And you say, this is where I'm going to put my money every month. Like, and then it will actually invest for you and rebalance itself to be more and more conservative the closer you get to your retirement date. So you have to think about it, you see. So that's like a hack for investing. And then what do I say? Investing? I said insurance. So with insurance. So used to be this thing called policy Genius. I don't know if they still do this where you can kind of put in your life and they'll tell you what insurances you should have. Like, do you need disability insurance, pet insurance? Are you insured enough with. With, like, health care? And so I would look. I'd have to look to see a policy genius still does that. But you want to just look to see, do I have enough insurance to cover me? Insurance actually cost less than you think. So exact. For example, for like 20 bucks a month, you could get renters insurance to cover all your stuff. If you don't have renters insurance and you're a renter, that's. Oh, when this is. Cut this off. When this is open. Go ahead, get your rent.

[Dustin]

That lesson. Yes, I learned that lesson so hard when I was in New York. They sold both of them our bikes off of our terrace. And then someone told me, oh, your renters insurance will cover. And I said, oh,

[Tiffany Aliche]

because even if you live in a house, the homeowner might have insurance. They're like, but who? You.

[Dustin]

Oh, yeah, we couldn't even rent this house without it. Like, it wasn't even an option to not have it.

[Tiffany Aliche]

So. So renters insurance.

[Dustin]

So think about those.

[Tiffany Aliche]

Renters disability, pet insurance. Especially if you got little fur babies, honestly, they get to be really expensive. And so, like, so I would say that, like, go to policy genius. I think they might still have that tool. What else did I say? Net worth. So your net worth is just what you own, minus what you owe. That's just a little math. You know, writing down all the things that you own and then subtracting it from all the things that you owe. And see, like, where do I currently stand? That's like, it's almost like your weight. So weight doesn't really tell about health, but it gives you an indicator Got it. You're just like, I'm in the range where for my height, maybe I'm a little high or low, you know, but everybody's different. Especially, you know, how weight hangs differently on black people. So, you know, so. But still, it gives you a general indicator. So net worth will help you do their net worth calculators. You can do that with your financial team. So everyone should have an accountability partner. Just start there. Meaning at least one person, your work mom, your bestie, your partner that you can talk to about money regularly. At least once a month, you kind of check in, maybe you have a goal and then you say, you know, collectively, we're going to check in together once a month. They don't have to be a financial expert, just kind and you don't have any shame talking about money with them. And then lastly, estate planning, if there's a hack, if you don't do anything else, check your beneficiaries today. So when, when Jerell passed away, one of his, one of his insurance policies, he didn't change the beneficiary. He, he had forgotten. He had literally sent a email saying, I need to change my beneficiary to my wife. And he just forgot to sign the paperwork. So that was a mess. And then the other years, thankfully, he did. And so you want to update your beneficiaries. You many bank accounts have beneficiaries. If you have a insurance, life insurance policy at work. I think people don't realize this about beneficiaries, that you can do percentages. So I think, like, I did not know this. I thought it was like, it's my mom. No, you could do 20%, mommy, 30%, daddy, 60%. You see what I mean? So you can actually break out percentage of how. So you could have, you know, I don't know how many. I mean, I, I have one of my policies. It's like my four sisters. So split 25% each.

[Fran]

Yeah.

[Tiffany Aliche]

You know what I mean? And so, but update your beneficiaries because I'm telling you right now, I don't care what you will say. I don't care what that video that you might say, hey, this is my last will of testing that beneficiary trumps everything. Trumps everything. Even if you forgot a kid, maybe you had a kid later, you forgot to add them, they're not on there. And so like, you want to make sure that your beneficiaries are updated. So those are kind of like these, the hacks. So I go into more depth and get good with money for. But, but I add those hacks in the book with. But some like, hacks that you can start right now. Don't overwhelm yourself. Like, if there's a biggest thing, just tell yourself. Every year I try to say there's one thing I'm going to master financially this year. Like, I might be like, I'm just going to set up my bills account this year. Okay. And automate those bills. This is the year I'm finally going to lock in when it comes to my credit. Because credit is another one. Like, honestly, just paying your bills on time, you know, it's like your credit. Right. So you're like, I'm just going to get my credit together this year, so just choose one of the, the pillars and say, this is the year that I'm just gonna, I'm gonna work on that one pillar and then just keep adding on. Like, you don't, don't try to do everything that I said, you know, before the end of the year. It's gonna be too overwhelming.

[Dustin]

That's extremely helpful because I had a couple of years actually where my focus was my debt.

[Tiffany Aliche]

Yeah.

[Dustin]

And I. Once I knocked all of that out, then that was done. Then the focus. And then funny enough, once you pay all that, then it affects your credit. So it's all a trickle effect. So everything just changed.

[Tiffany Aliche]

Yes.

[Dustin]

Then after that it was okay. This year I'm gonna learn about investing. This year I'm learn about how to make more money.

[Tiffany Aliche]

Yes.

[Dustin]

So I can save. Then you put me onto the high yield savings account and the bill pay. So everything has been automated and it's just like, been a world of a difference. But there are people that wrote in and said, that's all nice and dandy, Tiffany, but I don't have money. I, I am scraping by. Like, a lot of people have had to move in with their parents. A lot of people have been laid off. They don't have money to spend, to save, to even automate at this point. They're like, what do you tell that person that doesn't have the luxury of put a little bit here, put a little bit there.

[Tiffany Aliche]

So I literally, I wrote in the book, what happens if I'm broke? And then I wrote what happens if I'm broke broke, which I have been all of those things. Okay, so let's, let's start with broke. Broke meaning, like, I have just enough to pay these bills. Girl, I couldn't, I couldn't afford to sneeze if I had to, you know?

[Dustin]

Right, right.

[Tiffany Aliche]

So that's when you really just get down. What I call your health and safety budget. That means everything needs to be cut out. Unless it has to do with your health and safety. Meaning like place to live, I need my medicine. If I need transportation because of work, so be it. So all the excess is cut out, you know, like you really down to like. Well, no, no, health and safety budget is if, if you're broke. Broke, right. So that just means like. Because sometimes, like literally I'm late. I was late on things. And because I was like, you got no choice. I mean, what we gonna do? I gotta live somewhere. I said, look here, I can't pay you with air.

[Asante]

I can't.

[Tiffany Aliche]

So the thing is, so. So when you're broke, broke and you're down to health and safety, it's like, it's basically take you or me is gonna be me. Okay? So like, but that means that you have to really get down to the bare minimum and it's okay to be late, you know, Meaning that because like what they gonna do, you know? So I remember Verizon used to call me. I'm like, oh my God, you want me to set this phone out? What you want me to do? So I remember. So the thing is, you can owe somebody. That's allowed. They're not allowed to harass you. So if you're finding that bill collectors are harassing you, then you can you send like, I just, I mean old school. You go right down to the Staples, which is 75 cents, and send a fax, okay? And it's called a cease and desist letter. So you get their information and you. The reason why I say facts, because facts gives you that. Like it still gives that old school paper and they still respect that more than almost anything. Not, not you saying it on the phone, but you're sending a fax cease and desist letter that says you are no longer able to. You are no longer allowed to reach out to me in these ways. So I just take my. I put all my phone numbers and stuff on there and my family's phone numbers and I'll say like, like, you can send me a letter or you can email me, you know, because you still want correspondence. So that's one. So stop the harassing phone calls that way. That's one. And then two, call and try to work something out. Like, I remember I had to call my cell phone company. I was like, I don't have it. So what you want me to do? Oh, you need to pay. I don't have it. So what you want me to do? So is there like a plan after? Especially post pandemic, lots more companies have plans in place. So it wasn't like before where they were. Like, we don't have a plan in place. So just ask like, you know, is there some sort of payment plan? Is there a pause? Is there. What can you do for me as I'm navigating this hard time? So don't be afraid to pick up the phone and ask that while also sending a cease and delist desist of stop calling me. So that's what I would say. If you're broke, broke, pay the things that take care of your health and safety. You'll just have to be laid on the things that don't. And just know that you'll have to just catch up later. I know, I had to. Some things went to collections. Okay. Some things destroyed my credit.

[Dustin]

Credit.

[Tiffany Aliche]

Okay. And my credit is back. Credit is one of those things. It could come back, you know, and so just know that that's a period of time that you're in, but not forever. And just really tighten up. Like, meaning, like, do I have to move in with someone? Like, you know, I know everybody can't move back home, you know, but you know, there literally there are Facebook groups. I know nobody's on Facebook anymore, but there are Facebook groups with people looking for roommates. There's like 50, 50 plus older women looking for other. You know, like, you might have to

[Asante]

really get gangster with.

[Tiffany Aliche]

With for real and think about things like that. But there's also. Oh, there used to be this help website. What was it called? My friend who's a social worker told me about this website. It was like, oh, it said help. For some reason I want to say help Brenda, but I know that's not what it is.

[Asante]

Not Brenda, but she do got a baby.

[Tiffany Aliche]

But it's called like, it's like a website where you can go to someone's name and type in for help. And you could put in your city and it shows you all this type of help that you can see. Housing, help, food help, stipends, you know,

[Fran]

that's an incredible, incredible resource.

[Tiffany Aliche]

Yes, I am. I'm gonna. I'm gonna. I'm gonna. My best friend's name is Linda. I'm gonna text Linda and ask her what the website name is and then I'll give it to you friend and you can.

[Dustin]

Absolutely, yeah.

[Tiffany Aliche]

So it's great. So it's just resources and they're. They'll be specific to where you Live like you need food stamps. You might, you might, you might qualify. Like, don't be too proud for that, you know, so that's broke. Broke. And broke is, is when that just means that you really have to cut out the excess. And most of us don't have a ton of excess, but that just means you have just enough to pay your bills. So cut out the excess, but really focus on how can I earn more? Because you can't budget your way to like, you know, the space and freedom that you want. How can I earn more? Like, what does that look like? You know, does that look like, you know, like renting out my room? I have a two bedroom I can rent out in my room and someone can help me with rent. Does that look like tutoring, babysitting? Does that look like you're really good at social media? Your reels are amazing. You know, maybe you reach out to some of these business owners in your city who, you know, like they have an amazing pizza place and you're like, yo, I can, I could do your reels for you. What does that look like? You know what I mean? So there are, everyone has things that they're really good at that you don't realize that other people are not good at. Can you, can you do a quick monetization of that? I'm not start talking about starting a whole business, you know, meaning like just being like, oh, okay, like I've got three business owners that pay me 200 bucks a month to do reals for that. Okay, that's extra 600 bucks a month to help me out, you know, so I'd be looking at myself and asking myself what are some ways to earn. It doesn't always have to be Uber eats and, and you know, sometimes that could be just, you know, they always taking our money. It could just be a lot of work, but not as much return on that, on that time investment. But I would just be asking myself. A lot of entrepreneurs are looking for executive admins or just admins in general. I knew a girl who was like an admin to like three different entrepreneurs and she made enough money to support herself. So if you're really organized when it comes to that, I would join entrepreneurship groups if that was me and be like, okay, like my executive admin makes good money. You know, she's able support her family off the money that I almost sent almost six figures, you know, with me. And so there are opportunities to earn more where you don't have to like leave your job. And so I, I mean, and Honestly, use AI. Even though I'm like, But I'd be asking, like, here's some of my. No, right. That's one of those, like, love, hate. But here's some of my skill sets. You know, what are. You know, what are some of the. What are some of the side jobs I could do if I only have five hours a week? Oh, you see what I mean? And be like, oh, you can. And I live here.

[Dustin]

Right.

[Tiffany Aliche]

You know, you'd be surprised.

[Fran]

And so, so can you braid?

[Tiffany Aliche]

Yeah, for real, like, honestly, the girl, I mean, like, you know, can you cut hair? Can you like, I'm telling you, like, there's so many there. When there are a group of people who are not making money, that means there's another group of people who are. How do I get on the R side?

[Fran]

Okay.

[Tiffany Aliche]

You know, I just want you to know that, like, never. It's never universal that there's nothing to be had. There are some people who are having and some people who are not. You can be on the side. Other I'm having side. You know, you just have to decide, like, that's what I'm wanting and like, what. What is it going to take? I'm going to ask the questions, you know.

[Dustin]

Yeah. And as far as the credit cards, we actually had a couple of people write in saying that they have old debts. And we know that old debts fall off right after, what is it, seven years. They were asking, should you still pay those after the seven years of it fell off, or should you really try to pay everything that you owe?

[Tiffany Aliche]

Well, official answer, if you owe the people, pay the people unofficially. So child them things after two years, them things don't be thinking like they used to. Right? So because here's what happens is that like, I want you to think about credit card company is like you loaning a credit card company. Loaning you money is like you loaning your cousin your car. If your cousin said, oh, you know, can I borrow your car? You're like, you ever been in an accident? And you're like, yeah, eight years ago. How relevant is that to you? Right? You know, so what's really relevant is about up to two years. It's probably especially the last six months. You got to accident two weeks ago. Child, give me my keys.

[Dustin]

Right, right.

[Tiffany Aliche]

But if you said like six years ago, you're like, so that's the same with debt that like anything over two years is not really bringing down your score like that. So I always tell people, if you get around to it, get around to it. But get, you know, really start to pay off the things that are two years old or younger. If you're wanting to purchase something or you really, you wanted to see your, your score take a tick up especially, especially the last six months, you know.

[Dustin]

Okay.

[Tiffany Aliche]

And then any, you have to check the statute of limitations. Google statute of limitation for credit card debt in your state. I believe in New Jersey it's four years. And so what that means is they had four years to collect. So do you owe? In theory, can they collect? Never yet. Unless they trick you into making a payment. And sometimes people are terrible because what they'll do is they'll make like a, a dollar payment on your behalf just to get that thing started again. They can house. They're not supposed to, but I knew somebody was a debt collector. They're like. So now they spend their time educating people on like how that. Because they're like child, I might want to go to heaven one day. So they're the ones who are like. So now they, they basically are like the, you know, like the scared straight where you know like the people who've been to jail are like. So he shares like how they used to kind of train him to get people, you know. Because if you pay the debt then, then year one starts now. A little dollar on it, you know.

[Dustin]

Okay, but if you're buying a house or trying to do something in the future, will that old ass debt show up in some way to haunt you or is it like it can out of mind?

[Tiffany Aliche]

Well here's where it can, it can come up to haunt you because they usually like to see how much they look to like your debt to income ratio. Meaning do you owe a lot of other people? Because the worry is how you gonna pay your mortgage mortgage if you own a lot of other people.

[Asante]

Right.

[Tiffany Aliche]

So as far as the score itself, so two numbers, they look at your score which is you know, like are you paying on time? And so the last two years are most important but they are going to look at your overall debt load like oh, you got your student loans and this and that. Can you afford this house as well as the other debt? So yes, you know, you want to be mindful of that. But honestly sit down with like if you're just vaguely interested in purchasing a property, I would be taking a first, first time home buyer class just to see like, okay, what all might I have to really focus on in the next year or two to get ready. There are still programs like naca. Naca, I've heard of that. Yeah. Which is a non profit that helps you get like lower interest rates on your home. But it's usually a two year process. So even if you're vaguely interested, start now because by the time you're really interested, you're ready.

[Dustin]

Nice.

[Tiffany Aliche]

And so like I've seen people get like 2% interest on their loan, you know, through NACA, but it's a lot. They want you to be working, you have to be saving, they want you to go to classes. So. But it's worth it to save hundreds of thousands of dollars on your home. You know, lifetime of 30 years and so. And homeownership, I mean, it's not all that it's always cracked up to be, but if you live on the coast, homes are still going up in value, you know, so, you know, it might be worth it. You know, for me, I've been fortunate for the most part. Every home that I purchase has been below value at, you know, at its inception, like upstairs, like I told you, you know, so even for that, keeping your ear to the street, like, you know, letting people know, I'm looking for a house, I'm looking for a house. And you know, and, and that's how people kind of let you know that there might be a deal available versus like writing it out on realtor.com.

[Dustin]

yeah. Because they're so expensive. You're just like, am I really about to put myself in a million dollars? It depends where you live.

[Tiffany Aliche]

I know.

[Dustin]

Yeah.

[Tiffany Aliche]

If you go to California, you're like a million dollars. Try it. That's a shack, right?

[Dustin]

It's a one bedroom.

[Tiffany Aliche]

I mean, which is crazy. You know, sometimes you're like, is it worth it? Homeownership is not. It's still, still homeowners tend to have more wealth than non homeowners, but it's not like what it used to be. So you really want to do the math to make sure it makes sense for you. Like is this home likely really going to appreciate. Should I get a multifamily house for my first house so people can pay the mortgage? These are cross questions to ask yourself.

[Dustin]

Yeah, well, I don't know. Asante, Dustin, if you guys have any questions. Because I do want to get into a few of the questions our listeners send in before I take.

[Fran]

We can go straight into the listener questions. I am fed.

[Dustin]

I'm well fede. It looked like you were gonna say something.

[Asante]

I just had one last little point, then we can move right into it. I just got a car. We're not gonna make this a big thing. I'M renting and as we're talking about getting a home, how does one and you can just give me the short answer to this because there probably isn't a good one. How does one wrap mentally around going through the process of buying or purchasing a condo or home? You know what I'm saying? Just because those numbers all they always for me just look intimidating. Like even if I have it, I'm just looking at it just feels like a lot like the car. That process was already a lot and it was my first time going through it in my late 30s. So in my mind I'm just thinking that's going to be a crazy process for me to try to wrap my head around going through into my 40s. Well, is there anything that you can give me to maybe lower my anxiety?

[Tiffany Aliche]

1 definitely take a first time home bars class. You know, if you're even remotely interested, start, like I said, start with naca. But having a class, usually the classes they're going to bring in a lender to talk to you what that looks like, they're going to bring in a home inspector to talk to what that looks like, they're going to bring in a real estate broker. So you see, so you can familiarize yourself with the full process. It does take like, you know, some time. So that's what I would say is, is to release some of that anxiety. A first time home buyers class is really going to help. So you can ask all the questions about each level, like each step of the way, each concern.

[Dustin]

And NACA is naca. Naca, naca. Okay, that too will be in the description.

[Tiffany Aliche]

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[T-Mobile Announcer]

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[Tiffany Aliche]

Ask your doctor about eglis and visit ebgliss.lilly.com or call 1-800-LilyRx are 1-800-545-5979.

[Dustin]

Try Angel Stuff for your tushy.

[Tiffany Aliche]

It's made by Angels Soft and Strong. Budget friendly. The choice is simple. Pick up a pack today. Angel Soft.

[Dustin]

Soft and strong.

[Tiffany Aliche]

Simple.

[Dustin]

But let's get into some of these questions. So Emerald said, do I even worry about paying off debt with the, with the political climate, or do I just hold on to my. My money for emergencies right now?

[Tiffany Aliche]

Well, I say bof.

[Fran]

Both.

[Tiffany Aliche]

Okay. Because so what I would say is I wouldn't drain my emergency account to pay off debt. If you have three months, four months, five months, then I might be more aggressive with paying off debt. That's what I would say is that, like, you know, that if you don't have enough emergency fund, then I'd be paying, like, the minimum to all my debt except for the one I'm focused on either the highest interest rate rate or the lowest balance. And then being a little more aggressive with my emergency savings just so I have something just in case. But if my emergency fund is funded, then I'd be more aggressive with paying off debt because I know it seems like, oh, with everything that's happening, they're not getting rid of debt. Mama, you know, or Emerald, I don't know, you know, how you're identified.

[Dustin]

But they're not. Yeah.

[Tiffany Aliche]

You know, they're not getting rid of debt. Like, they're not. So you want to be ready to have, like, the space and ease that if you're. That for life to be less expensive for you. That's what everybody should be kind of like leaning toward how do I make my life less expensive so I have the space in case, you know, the bottom drops off.

[Dustin]

Yeah. A lot of the questions that came in I noticed were very similar with, like, the world sucks. Should I be worried about this credit card or should I be trying to, like, start an account to save myself and you know, in case of emergency.

[Tiffany Aliche]

So savings should definitely be a critical. I mean, you shouldn't stop paying the credit card. But if you're making that the primary goal over your savings and you have no Savings, then I say, flip that. That debt is secondary, you know, and. And savings is primary, you know, to just pay your minimum so you can get your savings to a place where you feel, you know, kind of secure. Because I do believe that, like, if the world kind of sucks, you know, you want to make sure. But they're not gonna just throw out the financial system, right? So thinking like, ooh, you know, like, I'm gonna. We. We literally sat home for over a year in the pandemic and the systems are in place.

[Asante]

Right?

[Dustin]

You see what I mean? And I remember people being like, for your taxes, the world's ending, and now here we

[Tiffany Aliche]

kicking it outside.

[Dustin]

Jordan said, over the past few years, I've gone from having a six figure job, luxury apartment and my own car to being laid off for long stretches, clearing my Roth IRA to survive, and going back to live with my mom. Humbling, to say the least. I'm looking for advice on what steps make the most sense when basically rebuilding from scratch. What should I be prioritizing versus what doesn't need my focus? Right now I want to save aggressively for my own apartment, for my peace of mind and autonomy. But is that what my goal should be or should I worry about rebuilding my credit?

[Tiffany Aliche]

Well, one is going to be hard to get an apartment if your credit is not where it needs to be. I would be aggressive with what skill set do I need to acquire to restore my income? So I'd be really income focused right there now, like, I need to make money, you know, and so I know you're probably going for jobs and interviews and stuff. What's the feedback been? Can you meet with like a recruitment coach? Are you in some of these, like, you know, there are all these like online digital groups. I know everybody hates Facebook, but they're great for these kind of like smaller groups where you're just like, so what are y' all doing in this industry? Like, where's the switch happening? Do I need to get a certificate? Because you need to make income because you're going to aggressively say from what kind of money? You know, so maybe there's a huge shift in your industry with this, some AI shift, Or what do you need to do to get ahead of that? So you are more. Because there are people who are working. How do you make sure that you have a job? You know, because they're like, oh my gosh, you seem so valuable. I have a friend of mine that's in hr and Sandy is like, girl, whenever I try to leave these people be crying. I Didn't know HR was that high in demand. She's like, yeah, hardly anybody knows how to do it. They'd be like, please. The last place was like, we'll give you a piece of the company. She's like, all right.

[Dustin]

I was like, what, girl?

[Tiffany Aliche]

I'm in the wrong profession.

[Dustin]

Yeah, let me. You know. And so.

[Tiffany Aliche]

Exactly right. Oh, friend is from New York. Let me find out. You slipped.

[Asante]

You saw that you slipped earlier.

[Tiffany Aliche]

Right?

[Dustin]

So.

[Tiffany Aliche]

No, so I would just say that, that, like, you know, is there a pivot that you can make where it's like, okay, there are some things. Like if Instagram has taught us anything, there are like these really great Instagram channels that are like, this is how much I make. And all I had to do is get these certificates. So you might want to follow along with those to see, like, oh, you know, that's actually close to my degree. I could do that. And so that's what I'd be focusing on is raising my income. If you want to move out. Yes. Saving, but also getting that credit. So that way you'll actually be able to qualify for an apartment.

[Dustin]

Chantelle said, I would like to ask Tiffany, if she were to inherit 100,000 units, euros, how would she invest it? Because apparently she's about to come into a large sum of money. But this is funny. She says, I'm a reformed shopaholic and really don't want to end up blowing life changing money for instant gratification because that new Chanel line is super tempting.

[Asante]

I respect this person.

[Tiffany Aliche]

Yes, yes, no. But I love this.

[Dustin]

So this is.

[Tiffany Aliche]

I'mma do you like I did. Alyssa, my stepdaughter. Her. Her father. Father left her a lot of money that's sitting and waiting for her.

[Dustin]

Come on.

[Tiffany Aliche]

Right, and so, so one is that there is. What's her name?

[Dustin]

Chantelle.

[Tiffany Aliche]

So, right. So there's Chantelle without the money and there's Chantelle with the money. Those are going to be two totally different people. And I like that you have to navigate. Not even for myself. I'm like, when I get that money. No, no, no, no. Make the plan now before that money hits. Because once that money hits, it's like, I don't know who. What. Who said what? You. I would suggest for Chantel to honestly work with a certified financial planner, pay the few hundred bucks and say, here's what's happening. Because one, I don't know how it works. As you said euro, so I'm assuming you're in Europe. I don't know if any of that money is supposed to go for taxes. So you want to make sure that that's taken care of, you know, because you don't want it.

[Dustin]

Oh, because when you receive a gift you have to pay tax on that depends.

[Tiffany Aliche]

Right? So like life insurance. No, but like say if you sell a house. Yes. I don't know how her money is coming in, you know. So you want to work with. Because a certified financial planner will say, oh, this money is subject to tax. Let's talk to an accountant who's going to tell you how much you need to set aside, you know, so that's one. And then you share like. So a good certified financial planner is going to let you set aside some blow money. So it might be of the hundred thousand, not enough.

[Dustin]

Right.

[Tiffany Aliche]

I know, take the edge off. Right. So maybe it's like 100,000, maybe it's $5,000. I'm like, but still it's like here's your five. So just to take a little the edge off. But then. Right, but the plan is in place. I know, but they'll help you set the plan in place so when the money comes, it can land and be, you know, like, like set out, deployed. I feel you wait until after that money's gonna be like, hey, your name is almost like tr.

[Dustin]

It's a godly ballet flats.

[Tiffany Aliche]

It's only for two years from now for be like, ah, that was so

[Dustin]

right. And you blew it. And don't even wear the stuff. It's gonna be in your closet, I'm telling you.

[Tiffany Aliche]

They say studies show that people who win the lottery typically are broker. A year later, that's a damn shot. Because they overextend themselves. And I don't want that for you because like a hundred thousand dollars in ten years, you know. Yeah. It could be double if not triple, if not more than that. That might, that might be a house. Be the start to your business. It could really, you know, it could really set you on the path for wealth for yourself.

[Fran]

So. Yes.

[Dustin]

You know what? Now that you mentioned paying taxes on things, I was so devastated to know I had to pay taxes on my high yield savings account. I'm like, they want everything. Like that's so irritating to me. Every little thing you make. They're like everything.

[Tiffany Aliche]

Yes. So not on the money you say, but the money grows in there. Yes, right.

[Dustin]

The money that it grew, the interest for the year. But that sucks to me. It's like it's mine under the mattress.

[Fran]

Don't do that to you. No, I'm Just.

[Asante]

I know. And I'm just playing. I'm totally just playing.

[Fran]

Totally joking.

[Tiffany Aliche]

The mattress gave 3 or 4% plus. Go ahead, Maddie.

[Asante]

Let's do it. Okay. Give me one of them if they start doing that.

[Dustin]

Okay. Shazelle asks, how should we budget for saving for our elderly parents and relatives, especially if more care may be needed in the next couple of years? Are long term care plans worth it versus just maybe putting money away in a CD or like an index fund?

[Tiffany Aliche]

What's the best process? I'm not going to.

[Dustin]

A lot of us are worried about this.

[Tiffany Aliche]

Yeah. My dad is 85, so. And so long term care plans are really expensive. Like, really, really expensive. And they tend to jump up year after year after year. So if you have the funds to be able to do that, then certainly. Okay. If not, it's a conversation that you want to have with the family at large. Like, hey, sisters, like, is, you know, is mom or dad going to move it? Who. Who are they going to move in with?

[Fran]

What's the plan?

[Tiffany Aliche]

Yeah, what's the plan? And then also, parents.

[Dustin]

Hard conversations it is.

[Tiffany Aliche]

How much money do you have? Mom and dad? It's not easy to have those conversations. Like, it took my husband passing away before my dad updated his will. He was 80 when he updated that will was made when I was 10. Cuz in it it's said, Tiffany 10, she will go to uncle. I was like, Tiffany, 10, what the hell? Not 70 years old.

[Dustin]

Why are they so stubborn? I've been taught telling my mom for years, you have got to get this together. You never know. And every time she says, I'mma do it.

[Tiffany Aliche]

So you know what? One of the things I realized so one of my attorney, her name is Toni Moore, black sister, love her. Toni with an I, two O's, R E Moore.

[Dustin]

Serious business, right?

[Tiffany Aliche]

And so what I love, I know I all my business, like, for real. Like, it's. If you see my lineup, like, everybody on my team is like a brown face except for one. We be like, oh, you are de I hired. No, I'm sorry, I don't say, girl, you know I love you, girl.

[Asante]

See what you just got through saying?

[Fran]

We can be on that side too. You know what I'm saying? It's wrong.

[Tiffany Aliche]

Okay, but like, so I always like to shout out that the black businesses that I like, you know, that I navigate. And so Toni, one of the things she did because the same I was like telling my parents and they were, you know, like, oh my gosh, you know, if Tiffany's 41 year old husband could pass away. We're in our 70s and 80s. So Toni was like basically, Tiffany, I can create a template will that could be easily filled in. So that made it easier. She asked me questions and she created. So you can have your attorney create like a basic template will and say, hey, mom and dad. You know, like for example, what Tony did was he did a zoom. Yeah. And it was like what else? Your name and anything else. So I was like, oh. So it made it so much easier. So consider like working with like an estate plan planning attorney to do like a template will that's already done. And then with your parents, you just have to ask a few questions so it can be knocked out, signed and you can get notarized at your bank like most banks have will allow you to notarize right there if you have

[Asante]

an account with them 100%.

[Fran]

And I'm glad you mentioned it. This, I'm glad you mentioned this because this actually plays directly into like LGBTQ plus identifying people whose parents. If you don't want your parents, your funeral up in your parents church, you know, if you want to look a certain way when you go, you know what I'm saying, on any opposition or challenges. Yeah, plan ahead. Estate planning. That's what that is. Yeah.

[Tiffany Aliche]

Yes, it's true because. Or even like people don't realize, like, let's just say, you know, you're a single mother, maybe like your partner is no longer here or whatever and you have two siblings and you happen to be Muslim and you know, one sibling is Christian, one sibling is Muslim. You love them both, but you want your child to be raised Muslim. So put that in. Like, okay, I want, you know, this, my child to go to, to my sister, you know, because I want her to be, continue to be raised in the faith that you know, that I believe in.

[Fran]

That's right.

[Tiffany Aliche]

But also to your homes and stuff. Right. And so for my estate planning, I had, I created a trust because this will help because since I've accumulated a certain level of wealth, I didn't want it to be a financial burden for my siblings to have to pay the taxes. So a trust is like a person that never passes away. So essentially my trust has inherited, inherited my things already. And then my sisters are a part I currently in the exec. So it was like almost like I don't own anything. I already gave it away as if I'm not here anymore. And so my sisters are, are beneficiaries in the trust. So they get to keep the things and Certainly you want to talk to an estate planning attorney.

[Dustin]

That's not me.

[Tiffany Aliche]

It doesn't. You don't have to go through as much as far as taxes are concerned, because I've essentially given away my wealth. Essentially. And just to make sure, in case there is any tax or this and that my life insurance policies are no longer actually for my s anymore. It pays to the trust.

[Fran]

The trust. Yeah.

[Tiffany Aliche]

So the trust could take care of his house.

[Dustin]

He do it. But that's the big issue is when. When the houses are left to us and then we're like, oh, my God, how am I going to cover the tax? Yeah. So this way, losing them.

[Tiffany Aliche]

Yeah. So those are just some things to think about.

[Dustin]

And Rosie actually asked, how much is a trust? She was asking like, is that something that's expensive? Like, how do you build one? How do you pay for.

[Tiffany Aliche]

So you're going to look for an estate planning attorney. So like I said, mine is Tony Moore. T O N I M O O R E and so it could be like a couple of thousands of. I mean, everybody's different depending how deep you're going to go. But the way it works is that Tony has said that if you have a net worth of at least 500,000, that might just be a house most places, then you want to consider a trust. If you have a net worth of like a million or more. And like I said, for some places, it could be the house that your grandparents bought for 250 and now it's just worth a million.

[Fran]

Right.

[Tiffany Aliche]

You know, then you definitely want to get a trust. So it could, it could. You could be like, yeah, but I'm not a millionaire. It's like, yeah, but the house is worth that. So if that can be inside a trust, then we can be in better shape, if that makes sense. So just those are the things to consider. Yeah. It just makes life. Like, I know that, like, when I'm not no longer here, that, like, just like Jerrell left Alyssa and I find we got to just miss him.

[Fran]

Yeah.

[Tiffany Aliche]

And not have to worry about the finances. You know what I mean? And I always share this because I would need people to understand that man never made over $60,000 a year and let yet he left collectively seven figures for me and Alyssa. Wow. Oh, my goodness. And so, like this condo that I'm sitting in, I paid for a cash with the money he left me. You know what I mean? And so I think people think, like, I have to have a lot of money to give a lot of money. No, he. He's like in life and take care of my girls. And he did. And so you can do so too.

[Dustin]

O that, that right there. I know it's going to hit a lot of people because I'm sure people think there's a certain amount they have to make to be able to even think that far ahead.

[Fran]

Thank you for sharing it.

[Dustin]

No, absolutely. There was a listener that actually wanted to know I was trying to look for her question. She wanted to know your thoughts on insurance. Like is that a way, a good way to diversify your portfolio as people, people say for your financial future.

[Tiffany Aliche]

Well I, I don't. And some of the insurance agents gonna be mad at me. I don't care. So there's two types of insurance. There is term, which is, I want you to think of term insurance like your, like the way you think of like your car insurance, your home insurance. There's a specific term, the year that like you know and then when you don't pay anymore, it's it. And people are like oh but insurance is such a waste of money. But are you managing that your house didn't burn down? Are you mad that your cat lived? Like what are we talking about? Like insurance to me is to cover the asset for a specific time frame. So with term you can get 10 years, 20 years, 30 years. And so it's typically way less expensive. And then there is whole life or universal which is you pay indefinitely but it's way more expensive. And so I'll give you an example. This is some years ago. So I'm sure the numbers are different but, but I looked up 40 year old woman, woman, non smoker, a million dollar policy, whole life, it was $740 a month for a million dollar policy. Term, 30 years, 40 bucks a month, that's $700 difference monthly. And so some people say, well the reason why I like universal whole is because I get to invest. And inside the book I go through, there's a whole insurance chapter. But breaks down the. On average a universal policy will generate you about 2%. That's less than a high yield savings account right now. See, so it's not really. So be like you're part of your portfolio. So when I talk to my financial advisor Anjali, I'm like, it's this, this whole life or universal ever makes sense for anyone. She said if you are so wealthy that you're literally like Pablo Escobar digging holes in the ground, you try to figure out where to put your money, then that's, that's the last Last place where you're like, I guess girl, she said who is that? And hardly anybody. Or if you have a child with special needs and you're like, okay, I want to. That my insurance never expires because this child is never going to be able to take care of themselves.

[Fran]

It might make sense for that kind of person.

[Tiffany Aliche]

So it's never, never, never. But the average person, a term policy is going to be your best bet, especially if you have children. Because you figure 30 year policy, you get it the year your kid is born. People like, well what happens after 30 years, they're grown is what happens.

[Fran]

Right. Damn Insurance.

[Tiffany Aliche]

Exactly. You know what I mean? So meaning like because typically really it's supposed to be there to cover the people that were your dependents.

[Fran]

Yeah.

[Tiffany Aliche]

And so I'm, I'm hoping by 30 that they're not your dependent anymore. But you get it. And then like you're like okay, by 30 years old if something happens to me, they probably have their own family, their own life, you know, they're. And certainly you could let layer so you can get one. Get a 30 year policy when they're, when they're zero, you know, they're first born and then when they're 10.

[Asante]

Yeah.

[Tiffany Aliche]

So then it keeps going for another 10 years. I've done that. Have a two layering policies. One for 2 million, one for 3 million. That layers that extends beyond, beyond. You know what I mean? So that way it's like okay, like and I, I had it for if something happened to me. So that way, you know, Jerrell could continue to afford like whatever bills might be there. But since he's not here, like my, my financial advisor was like dude, do you want to cancel them? Because she's right to who? I don't have to. And I said no because I got them in such a time when the, the, the cost of what it cost me annually is nominal.

[Fran]

You know what I mean?

[Tiffany Aliche]

Because I got them like in my 30s, you know. And I don't drink, I don't smoke, I don't. And so it was like eh, girl, for a little, a few bucks a month I can leave my sister's $5 million. Keep it. It's cute, but if it was costing me a lot, I would cancel. You know what I mean? Because it's like I don't need to take care of my grown sisters. But because of that it doesn't cost me that much because it's term.

[Asante]

Yeah, right.

[Tiffany Aliche]

Yeah.

[Dustin]

I remember my mom said she had taken out insurance when I was Born. And then when she saw that I was grown and doing really well, she was like, I'm about to spend that. She's like, now that I see you're good, I'm spending it on me.

[Tiffany Aliche]

No, I can understand that. Like, you know, I completely understand that.

[Dustin]

It's like once, you know, you did it as insurance for your child just in case, but now that you, you see they're good and their trajectory is headed in the, you know, stabilized place, she's like, let me use it for my goals.

[Tiffany Aliche]

Exactly. If you're buying, you can leave wealth. But if you don't, then enjoy your life now. Like that insurance is meant to, to protect, you know, for those who cannot take care of themselves. And then once that, you know, life insurance, once that's not the case anymore, like, then you're right, your mother's right to be able to enjoy her money now.

[Dustin]

Yeah. She's like, I'm gonna enjoy before I croak. Yes. Those are two last questions. Daron said, my husband and I bought a new house last year. I just want to know Dustin Ross, you know what you say Gay.

[Tiffany Aliche]

I love it. Yeah, I remember like, you know, like so many old, like so many old Africans. He was like, ah, I don't know about gay. But then he loves Richard Maddoff. He's like, you know, somebody takes one. And he was like, oh my. He said, do you know that Rachel Maddow is gay? I'm like, yeah, I like that lady child. I like that lady so much. And I was like, and now what I love, I was like, Rachel childgiver his. You done turn my dad. He was like, you know, Richard was saying she and her partner. I'm like, partner, the right terms.

[Fran]

I said, we love that.

[Tiffany Aliche]

Obviously I love that because Rachel, you know, it's hard to go for a. Then I could tell he was conflicted. Like, she's smart, she's this. All the things I heard. It's a lie, daddy. All the things you over lies. And he was like, so, yeah, so Rachel done turn my dad.

[Dustin]

It being Rachel is killing me.

[Asante]

That is hilarious.

[Dustin]

So Dar says, I just want to know if it's normal for your mortgage to change after the first year. And how come they don't tell you that when you sign it closing?

[Tiffany Aliche]

Yes, it is normal. Because when you're paying is the taxes. My mortgage changed the first month it went up 140 bucks a month the first month. Wait, what? Because what? Because, because unfortunately, what happens is that when you purchase a property sometimes they do an assessment during purchasing and they're like, oh, this person who initially bought this property before you bought this property, you know, like 10 years ago, this property is worth more now. So, so your taxes are more. And so all of a sudden you, you know, like, say your taxes are an extra twelve hundred dollars for the year. That's an extra thousand one hundred dollars a month. You see, so that's why. So your mortgage is going to continuously change because your, your taxes will go up, you know, and also too, if you have homeowners insurance. Yeah, your insurance will go up too. So what you can do sometimes though is that you can fight it on the taxes. You can go to the tax assessor's office and say, say no, it's not worth that. Like, you guys are bugging. So I know people who do that and win. But yes, it is. It is. Absolutely. I'm glad. I'm surprised you had a whole year. Some people be like, the day they moved in, they're like, gotcha.

[Dustin]

That's my fear.

[Tiffany Aliche]

I know. I'm not gonna lie. Homeownership, it don't be making sense unless you could get a deal.

[Fran]

You know what I mean?

[Tiffany Aliche]

Like, like, you know, for me, that 150, I said, girl, you be a fool not to take that place, you know? Right, right.

[Dustin]

But it's.

[Tiffany Aliche]

Honestly, many times it doesn't make sense. It doesn't make sense like it used to as much. I know that. I know some financial people who tell you don't buy a home at all. I don't agree. It's just that, like, you know, you got to keep your ears to the street for like a deal because you're spending the money on housing anyway. Can you spend it on a way that at least you get to, you

[Dustin]

know, like some equity.

[Tiffany Aliche]

But in the long run, sometimes a house costs you more.

[Asante]

See, that's the game that I was playing with the car, right? Like when you're like, you're looking around the prices are there one thing, then they're charging other things. The taxes change. Yes. Like, it's that process. That's why I was asking you about, like, how can I become comfortable with home ownership for this very reason? When I was trying to do the. When I was working out the deal with the car and I was like doing the information or actually going through the information of why the rate was changing, had nothing to do. Or sometimes it was based on apr, sometimes it was based on whatever the loan terms were. And then you're at the dealership. So they're already trying to add on a bunch of stuff on top of that. And so then if you were to remove something, does that come off of, like, the interest or the payment at the end, or does that change your payment? It was so many different variables, and it was such a scary process. And I literally went into the dealership just wondering, like, what does this process look like? And because the number was something I felt comfortable with, I was like, I'll play this game. And I realized when I left, I had. I'd won a piece of the game, but I kind of lost.

[Tiffany Aliche]

The house always wins.

[Asante]

Oh, but the house didn't. So you said something else earlier, right, about how you like the, you know, the system doesn't stop. It's like, you know, how, you know, what do you feel comfortable with? So because the house always wins, I went back and I still worked out the deal, whereas it benefited me because I still have to play this game. But I'm not gonna play it as long as y' all want me to. And I'm not gonna. You know, after doing some research, I realized the trap in purchasing some of those services versus doing the research on what I actually might have to spend on those in those moments. And that's such a hard, hard concept to wrap my head around in home ownership, because you just don't know what those unforeseen things look like.

[Dustin]

So that's why more money. Yeah.

[Asante]

Yeah.

[Tiffany Aliche]

Well, honestly, I would say, like, unlike home owners, like, unlike buying a car with homeownership, they. There are classes you can take to. Because you're right, it is honestly something. There's so many, so much process even. So when I got my car, I got a lease. I was like, you know, I'm going to lease the car and let the budget needs to pay for it. Let it be a write off since I drive for work. Work largely. Right, Wink, wink.

[Dustin]

Same.

[Tiffany Aliche]

Right, right. Like I do. I do that. But even then, I remember I actually hired someone. It was this guy named Billy the Car kid on Tick Tock.

[Asante]

Okay.

[Tiffany Aliche]

Because I was like, this is too much. It was like, you call. And it was. So I paid him a few hundred bucks and he got me an excellent deal. And it was worth it that people like, oh, well, you could have got to deal. I didn't know how to get the deal that. That deal myself. Yeah, exactly.

[Fran]

Because Billy delegate sometimes.

[Tiffany Aliche]

Yeah. He was a car salesman. And I saved thousands. I paid a few hundred to save thousands.

[Asante]

So it was.

[Tiffany Aliche]

It was worth it to do that. So. So If. If, though, there are. There are services like that. But, like, yeah, no. With homeownership, it's at least more.

[Asante]

Billy.

[Dustin]

No.

[Tiffany Aliche]

I said no on Tick Tock please. I was watching his videos to learn how to purchase. Like, because I was gonna. I was gonna buy a car for Alyssa. We were gonna get a used car. And I was like, oh, I wanted her to participate in the process. I found. We watched the videos together. And then I realized in some of the videos, he was like, yo, if you want me to negotiate for you. So we. We went and got her used car. Like, we negotiated. But I knew that I wanted to get a new car and that I did not know how to negotiate for. And so I told him what I wanted. He. I mean, because he. What I love about Billy, too, is that he was negotiating, like, across the country. Because they'll ship you the car.

[Asante]

Yeah.

[Tiffany Aliche]

You know what I mean? Because me, I'm just walking into a dealership in Jersey. He's like, he's. I didn't call somebody in Connecticut this and that. This is the best deal for. For. For the kids. For. It was. I never thought about that before. Yeah. So I would have talked. I mean. I mean, let me tell you, you know, Tik Tok is not. I mean, everybody's just selling, you know, everything, including they sold on Tik Tok. But I will say, there's a lot of good information on Tik Tok.

[Asante]

Absolutely.

[Dustin]

People putting so much game on there.

[Tiffany Aliche]

Yes.

[Dustin]

Speaking of cars, Lexi says if you. And this is the other thing, how quickly you can be upside down in. And you're thinking, you're like, on point, and then you go to trade or something happened with the car, and you're like, what? I have no equity and I've been paying all this. But Lexi says if you are in an upside down at an extremely high interest rate, when does it make sense to trade the car in for a much better interest rate or should you versus refinancing for a mediocre rate?

[Tiffany Aliche]

You have to do the math. You know, let the math speak to you. So I've had people literally just turn in their car cars and just paid the difference because it was like Jarrell had to do that. He had like a. One of those. Not a Durango. We had a huge. An expedition. Some big car when I met him. But he. I remember his payments were like that. Now it doesn't seem so crazy, but at the time, it was like 5, 600 bucks a month, you know. Now it's like, oh, yeah, yeah, that's what it goes for.

[Dustin]

But then it was like, what?

[Tiffany Aliche]

And then his Insurance was another 3, 400. I remember it was like 900amonth for this damn car. I was like, is this a mortgage? And I remember he was upside down for the two tune about $5,000. So he went to the. He went to his. What are those people called? Not the bank. What are those people? Credit union. Yes, credit union. He went to his credit union, and the credit union essentially gave him the money to pay off the car. And the. The difference was $5,000. And so he had to just pay the 5,000 without the car, but then he could start from scratch, you know, like with another car without having like, you know, being upside down. So I would look at that and then what would it. If I refinance? So do the math. You know, you ask them, if I refinance, what will my payments look like? And then not just that, what would I end up paying at the end of this refinance or if I were to just turn this car in and just pay the balance, what would that look like? And what makes more sense? What makes more math sense? That's what I would ask.

[Dustin]

Right. I actually used my credit union this time around. Yeah, my first car got totaled, and when I went to have to get another car, I was like, I think I'm gonna ask my credit union about their, like, financing and how their loans work and all that. And it was a great rate. And you just feel safer with the credit union for some reason, I don't know, instead of getting. Because my. With my first car, I messed up because I got it. The dealership's financing, which you. I mean, terrible. Rookie mistake.

[Tiffany Aliche]

Yes.

[Dustin]

The actual brand, awful idea. But, you know, you learn as you go. And now with the credit union, they just paid it out, basically the car. And then now I just pay them the loan. And it's just. It's better. It's a better rate. It's easy. Yeah. So, so much to learn with cars and homes. But, Tiffany, thank you for taking the time out. Of course. We done talked your ear off.

[Tiffany Aliche]

No, this was great.

[Fran]

We could talk to you forever.

[Dustin]

Like I said, hundreds of questions. Sorry to the listeners. I, you know, obviously there was no way that we could get to everyone, but I, I tried to get to as many different kinds of questions, hoping to tap into people's concerns. But Tiffany, if there's anything else that you want to let our listeners know while they still have us, I would

[Tiffany Aliche]

say so if you are like swirling and you're just like, I don't know what to do. Go ahead and get, get good with money.

[Dustin]

Come on.

[Tiffany Aliche]

Right here, for real. I mean, it is literally, it's under 20 bucks and it's gonna be available everywhere. But if you pre order, I'm gonna like pack up with a bunch of free stuff. So if you go to get GoWithMoney.com. yeah, start. I start by starting. You know, you don't have to do all the things. Maybe you just split it before you get it. Maybe you open that one checking account for bills. Maybe you add someone to the beneficiaries, like, you know their name name on your bank account. You know, maybe you say, like, you know what? I'm actually going to ask, chat with all my skills and where I live. What is, what's the side hustle I can do, you know, just one simple thing within the next 24 hours. Because studies show if you do something within 24 hours of hearing it, you're more likely to stick with it. And you're not out here by yourself. Like, you have a whole community of people who are rooting for you. And I'm one of them. So thank you all for having me.

[Asante]

Thank you for joining us, Tiffany, we love you.

[Dustin]

And please remind people with your schools where they can get more information. Your website, all of the things.

[Tiffany Aliche]

If you want to be a part of the school, there's literally thousands of other members in there. It's based upon the get with Money book. You can go to, I like to call it the club now Get Good with Money Club. And because you're part of the friend zone, I'll give you the plan for free.

[Fran]

Look at that.

[Tiffany Aliche]

I'll give you the plan for free. The plan is literally like the club is like all these people live lessons every single month, and it's like thousands of other students in there. And then the plan is, I took the book and recorded all my expert friends doing each of the pillars. But I'm gonna get you that. With Money Club, you get the plan for free.

[Fran]

Generous queen.

[Tiffany Aliche]

And if you use code, I want to say code 350 brings it from 500 bucks a month to no, 500 for the year to 350 for the year. Or use the code 35 to take it from 50 bucks a month to 35 bucks a month. So 350 and 35 use those codes,

[Asante]

don't pay full price codes.

[Fran]

That's right.

[Dustin]

Thank you so much, Tiffany. And I'll have all of those links underneath in the description box. We love you, Tiffany.

[Asante]

Congrats on the people. Stay black and protect your magic.

[Fran]

Thank you, our rich friend.

[Dustin]

Bye, you guys.

[Fran]

This is the friend dog.

[Tiffany Aliche]

And Doug. There's nowhere I wouldn't go to help someone customize and save on car insurance with Liberty Mutual. Even if it means sitting front row at a comedy show. Hey, everyone. Check out this guy and his bird. What is this, your first date? Oh, no.

[Asante]

We help people customize and save on

[Tiffany Aliche]

car insurance with Liberty Mutual together. We're married. Me to a human, him to a bird. Yeah, the bird looks out of your leg. Anyways, only pay for what you [e-mail] Liberty. Liberty. Liberty. Liberty.

[Dustin]

Try angel stuff for your tushy it's

[Tiffany Aliche]

made by angels Soft and strong Budget friendly the choice is simple Pick up a pack today angel soft Soft and strong Simple.