What the Helly with Kelly!

Summary

Summary of "What the Helly with Kelly!" Episode of "We're Your Girls"

Release Date: June 6, 2025

Hosts: Taryn Delaney Smith and Tiffany Singleton

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Introduction

In the lively episode titled "What the Helly with Kelly!" from the podcast We're Your Girls, hosts Taryn Delaney Smith and Tiffany Singleton engage in a heartfelt and informative discussion about personal finance, particularly tailored for creatives and entrepreneurs. The episode features special guest Kelly, a seasoned Certified Public Accountant (CPA) with 28 years of experience, who provides expert financial advice alongside the hosts.

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Personal Stories and Humor

The episode kicks off with Taryn and Tiffany sharing amusing personal anecdotes, setting a relatable and light-hearted tone for the conversation. Tiffany recounts a humorous incident of shaving her arms during a "crisis," joking about her battle with societal expectations:

Tiffany Singleton [01:11]: "I gave into the patriarchy and I shaved my arms."

Taryn relates by sharing her own experience with razor burns from middle school, highlighting their shared struggles with body image and grooming:

Taryn Delaney Smith [01:43]: "I did this once in middle school. My mom was so mad at me cause she didn't even know I had a razor. And they hurt when it grew back. I got bad razor burns."

These stories not only provide comic relief but also establish a foundation of trust and camaraderie with their listeners.

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Introducing Kelly: The Financial Expert

The dynamic shifts when Kelly, the CPA, is introduced into the conversation. Kelly commends the hosts for their vulnerability and highlights the importance of financial literacy:

Kelly [20:07]: "Unless you're exposed to it in your family or at school, which they don't do, you're gonna kinda walk in."

Her presence marks the transition from personal stories to substantial financial discussions, positioning her as the go-to expert for the episode's main topics.

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Financial Management Tips

Kelly delves into practical financial strategies, emphasizing the need for proper budgeting and saving, especially for those with irregular incomes like creatives and entrepreneurs.

1. Budgeting and Savings: Kelly stresses the importance of having a solid savings foundation, recommending that listeners aim to save at least six months' worth of expenses before pursuing larger financial goals such as purchasing a home:

   Kelly [27:34]: "You want to have a year, six months of expenses in your savings account before you start going on to the bigger goals."

2. Utilizing Financial Software: She advocates for using financial management tools like QuickBooks to track income and expenses efficiently:

   Kelly [26:12]: "Bring in all of the activity from the different accounts. You can see what's going on."

3. Credit Card Usage: Kelly advises smart credit card practices to help with budgeting and reduce overspending:

   Kelly [39:12]: "Place all of your discretionary spending on a credit card and set it to auto-pay to avoid overspending."

4. Setting Financial Goals: The importance of setting and prioritizing financial goals is highlighted, with Kelly guiding the hosts on how to outline and achieve these objectives:

   Kelly [42:30]: "What do you think that house would cost? How much of a down payment would that be?"

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Addressing Financial Anxiety and Shame

Tiffany and Taryn openly discuss their struggles with financial anxiety and the emotional barriers that make managing money difficult. Kelly provides compassionate support, emphasizing that overcoming financial shame is possible through education and honest conversations:

Tiffany Singleton [34:51]: "I struggle so much with math and organization stuff. I am very glad and proud of myself that I have just hired someone to help me do this..."

Kelly [32:26]: "But understanding what is going through your accounts, you know, you have PayPal, you have Venmo, you have Stripe things coming in. There's all these different ways to pay..."

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Managing Finances as Entrepreneurs

The hosts highlight the unique financial challenges faced by entrepreneurs, such as fluctuating incomes and the absence of a steady paycheck. Kelly shares strategies to manage these inconsistencies effectively:

Kelly [37:17]: "With the financial software, I mean, that's a really good question. And actually Tiffany and I are working on something like that."

She discusses the importance of forecasting income and setting aside funds during lean periods to ensure financial stability.

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Financial Conversations in Relationships

A significant portion of the episode focuses on the intersection of money and romantic relationships. The trio offers advice on how to navigate financial discussions with potential partners:

1. Open Communication: Kelly suggests initiating conversations about financial philosophies to assess compatibility:

   Kelly [60:00]: "What do you think your relationship with money is like?"

2. Setting Joint Goals: They discuss the importance of aligning financial goals and supporting each other's financial aspirations, emphasizing flexibility and mutual support:

   Tiffany Singleton [57:22]: "It's a difference."

3. Handling Financial Responsibilities: Tiffany shares her experience of her husband supporting her career transition, highlighting how supportive partnerships can foster both financial and personal growth:

   Tiffany Singleton [58:32]: "My husband encouraging me to pursue my passion for content creation, highlighting how supportive partnerships can foster financial and personal growth."

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Conclusion and Key Takeaways

The episode wraps up with a heartfelt dedication to Kelly and a summary of key points. Taryn and Tiffany reiterate the importance of facing one's financial realities, setting achievable goals, and fostering open discussions about money to empower listeners in their financial journeys.

Tiffany Singleton [65:00]: "Face your account. Talk to her. She's gonna talk back."

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Notable Quotes with Timestamps

• Tiffany Singleton [01:11]: "I gave into the patriarchy and I shaved my arms."
• Tiffany Singleton [32:39]: "But you also have the choice and the control to change it."
• Kelly [20:07]: "Unless you're exposed to it in your family or at school, which they don't do, you're gonna kinda walk in."
• Tiffany Singleton [34:51]: "I struggle so much with math and organization stuff. I am very glad and proud of myself that I have just hired someone to help me do this..."
• Kelly [39:12]: "Place all of your discretionary spending on a credit card and set it to auto-pay to avoid overspending."
• Tiffany Singleton [41:11]: "It's a difference."
• Tiffany Singleton [56:24]: "I don't want anyone to think that all I care about is money, when in reality, I think it's a fair question..."

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Final Thoughts

This episode of We're Your Girls masterfully blends humor with serious financial advice, providing listeners with both relatable experiences and practical strategies to better manage their finances. Whether you're a creative professional, an entrepreneur, or someone looking to improve your financial literacy, the insights shared by Taryn, Tiffany, and Kelly offer valuable guidance to navigate the complexities of personal finance with confidence and resilience.

Transcript

[Taryn Delaney Smith]

Close your eyes. Exhale. Feel your body relax. And let go of whatever you're carrying today. Well, I'm letting go of the worry that I wouldn't get my new contacts in time for this class. I got them delivered free from 1-800-contacts. Oh, my gosh, they're so fast.

[Tiffany Singleton]

And breathe.

[Taryn Delaney Smith]

Oh, sorry.

[Kelly]

I almost couldn't breathe when I saw.

[Taryn Delaney Smith]

The discount they gave me on my first order. Oh, sorry. Namaste.

[Kelly]

Visit 1-800-contacts.com today to save on your first order. 1-800-contacts.

[Tiffany Singleton]

Summer's here, and Nordstrom has everything you need for your best dress season ever. From beach days and weddings to weekend getaways and your everyday wardrobe. Discover stylish options under $100 from tons of your favorite brands like Mango Skims.

[Taryn Delaney Smith]

Princess Polly, and madewell.

[Tiffany Singleton]

It's easy, too, with free shipping and free returns in store order, pickup and more.

[Taryn Delaney Smith]

Shop today in stores [e-mail] or download the Nordstrom app.

[Tiffany Singleton]

Cause we're your girl hey.

[Taryn Delaney Smith]

Cause I like how you do how you doing?

[Tiffany Singleton]

You know what? Actually not good. I gave into the patriarchy and I shaved my arms.

[Kelly]

What?

[Taryn Delaney Smith]

Yeah, that was really dramatic.

[Tiffany Singleton]

But this is the craziest thing I've.

[Taryn Delaney Smith]

Ever seen in my life.

[Tiffany Singleton]

Yeah, I don't know why I did that. I was on the. After the first arm, I looked over to the right arm and I said, now I gotta do the other one.

[Taryn Delaney Smith]

Why would you do that?

[Tiffany Singleton]

That looks wrong. I look like a naked cat.

[Taryn Delaney Smith]

I did this once in middle school. My mom was so mad at me cause she didn't even know I had a razor. And they hurt when it grew back. It was. I got bad razor burns.

[Tiffany Singleton]

The last time I shaved my arms, I think I was maybe 15 and having a crisis. And then I was like, I'm never gonna do that again. And then for whatever reason, I looked at my arm in the shower in a crazy light, and I was like.

[Taryn Delaney Smith]

Sasquatch, it's giving orangutan.

[Tiffany Singleton]

And then as I was shaving them, and it was like there was so much hair, like, coming off into the razor. I was like, maybe I should have done this. And then I was like, I feel like I've given into the patriarchy babies, though, because. Because women can have hair on their arms. That's totally normal. Why did I do that?

[Taryn Delaney Smith]

Yeah.

[Tiffany Singleton]

My boy, my boy. Look at how nice and hurry your arms look. Nice and dense, nice and dense.

[Taryn Delaney Smith]

Well, let's check back in about four weeks when the new growth starts coming in.

[Tiffany Singleton]

Speaking of, are you guys reading Fantasma.

[Taryn Delaney Smith]

I started and I had to stop. Why?

[Tiffany Singleton]

It's good. Why did you stop? Because you don't want to finish too soon.

[Taryn Delaney Smith]

I don't want to finish too soon because we still have two or so weeks left. Yeah, we have time left to finish.

[Tiffany Singleton]

We have time left. We don't want to rush, you guys.

[Taryn Delaney Smith]

We don't want to rush, but girl is getting good.

[Tiffany Singleton]

Okay, I'm going to start it.

[Taryn Delaney Smith]

Get it started. I won't say anything. I won't spoil anything. But she, from what I can assume, has already met the hero. He's a little evil. He's a little bad.

[Tiffany Singleton]

Ooh, it's good. A little naughty. Little bad.

[Taryn Delaney Smith]

And she's already. Okay, I won't say anything else. That's all I'll say. I'm already intrigued, so we'll leave it at that.

[Tiffany Singleton]

Really?

[Taryn Delaney Smith]

But in the interim, I started to read another book. I have it with me.

[Tiffany Singleton]

Show it to the audience. What is it? Crow Crouch King of Envy by Anna Huang.

[Taryn Delaney Smith]

So the girlies love and Anna Huang.

[Tiffany Singleton]

Are you. I do. I've read her many times.

[Taryn Delaney Smith]

So have I. But I haven't read this one. And I think this is the newest in the series. This should have been the book club read. Admittedly, I hate that it found me too late, because I would have loved to recommend this one. I won't say anything else.

[Tiffany Singleton]

I'll read this one too. Maybe I want to, because your book recommendations, I'm not gonna lie, have gone absolutely crazy. I'm on. I'm finishing Ever King two everqueen. What do you think? Oh, I loved it. I loved every minute of it. It was so good. So now, from now on, I'm just gonna let you recommend everything I read.

[Taryn Delaney Smith]

I'm about that life.

[Tiffany Singleton]

You've done such a good job recommending.

[Taryn Delaney Smith]

I'm about it. So this is next. I was. I'm too caught up in the series or in the book now. The AC repair man came to repair my AC this morning. He looks exactly like how I imagine the main character in this book.

[Tiffany Singleton]

Look, Henry Cavill. But Serbian girl.

[Taryn Delaney Smith]

I was getting dressed.

[Tiffany Singleton]

I'm literally. Henry walks in. Henry Cavill walks in.

[Taryn Delaney Smith]

Serbian Henry Cavill walks in. Because the main character's a Serbian man, But I had to ask him. I was like, so with rollers in my hair, titties hanging out as I'm trying to get the dog in this top. I have no bra, and so my breast is falling out as I'm bending over it. Mom, don't listen to Me.

[Tiffany Singleton]

Sounds like you had him right where you wanted.

[Taryn Delaney Smith]

Right where I want. Him was tall, dark and hairy. And I was like, absolutely. So I was bending over to pick the dog. Titty falls out, whatever. I pick him back up. And he hadn't noticed my boob, which was fine. But he started asking me a question. His accent was. I literally missed opportunity. But his accent was Eastern European. So I was like. Literally. I was like, yeah, sorry.

[Tiffany Singleton]

So he had an accent.

[Taryn Delaney Smith]

Had an accent. I noticed it was Eastern European. And I'm holding my wiener.

[Tiffany Singleton]

And I'm like, she means a dog. She means her dachshund.

[Taryn Delaney Smith]

I have a dog. And name.

[Tiffany Singleton]

You got to keep in mind context.

[Taryn Delaney Smith]

I forget everyone. No, okay. Yes. I forget that everyone says that all the time. Tati says it when she's like, on the phone in her office and she's like, how's the wiener? And people are like, what? My puppy, Winston?

[Tiffany Singleton]

That's just a pet name for her boyfriend. Yes. My long.

[Taryn Delaney Smith]

Never mind.

[Tiffany Singleton]

My long term wiener is doing great, by the way.

[Taryn Delaney Smith]

He's doing fabulously. I'm holding the wiener and I'm petting him. I'm like, so where are you from? And he's like, I'm Albanian. And I was like, oh, yeah, come on in. Please, welcome to my abode. And then he had to go in the bathroom to rinse my air filter out in the shower. So he got a little wet. Some water splashed on his shirt. And I said, oh, please, I'm married.

[Tiffany Singleton]

I'm married.

[Taryn Delaney Smith]

I said, you have got to get out of here before I do something crazy.

[Tiffany Singleton]

Anyway, that's the sound of my heart.

[Taryn Delaney Smith]

You with the spoons. Taryn used to play the spoons.

[Tiffany Singleton]

I did used to play the spoons. It was a whole month of my life. Don't even talk about it. I need to get a new pair.

[Taryn Delaney Smith]

Of the craziest niche fact.

[Tiffany Singleton]

I really want to pull one out one day on the show. Okay. Was there tension?

[Taryn Delaney Smith]

There was plenty of tension. And then he had to go because I was late for my hair appointment. And that's why my hair is in pin curls. That was the end of that. I just had to let him go. But I hope he comes back.

[Tiffany Singleton]

You'll have to. I'll come over and I'll break your unit for you, girl.

[Taryn Delaney Smith]

He was so fine. And he had blue eyes. I've never seen like a dark haired blue eyed man in person. With my own blue. Not my own blue eye. With my own brown eyes. With my own eyeballs. I said, oh, yeah, yeah, he could catch the business. And that's it.

[Tiffany Singleton]

If you're. What, what is his name?

[Taryn Delaney Smith]

I never got it.

[Tiffany Singleton]

The AC Man. The mysterious AC Man.

[Taryn Delaney Smith]

AC Mysterio. That's what we'll call him.

[Tiffany Singleton]

AC Mysterio.

[Taryn Delaney Smith]

He was fine. So anyway, locked into this book because now I have real visual of who my hero is.

[Tiffany Singleton]

Shut up. That is so naughty. But I'm into it. Oh my God, I hope I follow this saga. We've got to go home and break something.

[Taryn Delaney Smith]

I think they're coming back on Wednesday to do like the proper clean. So I'll keep you posted. I hope.

[Tiffany Singleton]

Oh my God. You're like. He opens the door, you full blowout, literally. Makeup has been professionally done. You're in A.

[Taryn Delaney Smith]

It's 8:30 in the morning.

[Tiffany Singleton]

A three piece lingerie set. Oh, one moment.

[Taryn Delaney Smith]

Oh, I'm sorry, I didn't know.

[Tiffany Singleton]

Let me slip into something more comfortable.

[Taryn Delaney Smith]

Goodness, please.

[Tiffany Singleton]

I'm sorry. I was expecting my pastor.

[Taryn Delaney Smith]

Sorry. Please come in. Anyway, how have you been speaking of.

[Tiffany Singleton]

Your titty falling out of your top? I'm gonna say this now because I refuse to be embarrassed about. I refuse to be embarrassed about a wardrobe malfunction.

[Kelly]

Don't.

[Tiffany Singleton]

I have known many a gal who wants to leave the establishment upon a nip slip. Don't leave the establishment upon a nip slip. That is human. It can happen.

[Taryn Delaney Smith]

That gives them the power.

[Tiffany Singleton]

Exactly. That's like. That's the equivalent of shaving your arms. You've given in. You're better than me.

[Taryn Delaney Smith]

Every time I look down, it's shocking to me. They are baby smooth. You don't even have hair follicles.

[Tiffany Singleton]

I look like a damn. Why?

[Taryn Delaney Smith]

All scrumped up, smoothed up like that.

[Tiffany Singleton]

Scrumped up, smoothed up like that. I was at one of my favorite lounges the other night, dancing. Great time. It was a fabulous night. Yeah. I looked, I might say, if I do say so myself, I looked stunning.

[Taryn Delaney Smith]

I love it.

[Tiffany Singleton]

I looked classy. My hair was before.

[Taryn Delaney Smith]

You were fabulous.

[Tiffany Singleton]

My hair was piled up on top of my.

[Taryn Delaney Smith]

Yeah, it was.

[Tiffany Singleton]

We went for a pre game drink.

[Taryn Delaney Smith]

A pregame drink and dinner.

[Tiffany Singleton]

Anyways, long story short of it is I'm having a great time, but I was wearing a very precarious little dress that tied at my breasts. I was like. You saw that? Yeah. You knew it was coming when you saw me. I didn't.

[Taryn Delaney Smith]

I said, I've got faith in her, in these breasts.

[Tiffany Singleton]

Well, I'm having a good time and I'm actually being very careful. Like when I Drop it low. I would like. I would like press. The trick is, like, I would like press. I would do a dance move in which I could put my hand here and hold the dress up as I went down. So things were going really, really well.

[Taryn Delaney Smith]

Absolutely.

[Tiffany Singleton]

But my friend who manages the place came by and he did something where he poked me. You know when somebody taps their shoulder and you look and they fake you out?

[Taryn Delaney Smith]

So he's not there.

[Tiffany Singleton]

He's not there. And he was just being funny, like, hey, how you doing tonight? And so I turned to look over my shoulder and he had moved. And he did like, a little, like, hey. And then he left to go and say hi to other people that were visiting. And I, in jest, went to bat him on the arm like, you dog. And I took a step, and as I reached, the entire dress went down. But I don't mean it came untied and went down to my waist.

[Taryn Delaney Smith]

So. You're home. You're a rat.

[Tiffany Singleton]

The reason I'm telling this story right now is because if you were there, you have nothing on me. You can't embarrass me with this story. I'm telling it myself. Her story, Karen. Her story, in her words. That's what happened. Okay. I immediately screamed. It was so bad to me that, like, usually when you nip slip, you just pull it up. I went like this and went, oh.

[Taryn Delaney Smith]

No, both your breasts are out.

[Tiffany Singleton]

And then I, like, pulled it up and. Oh, I'm mortified.

[Taryn Delaney Smith]

Oh.

[Tiffany Singleton]

I haven't told my husband the story yet.

[Taryn Delaney Smith]

You texted me.

[Tiffany Singleton]

Wait.

[Taryn Delaney Smith]

I need to find the exact message you sent.

[Tiffany Singleton]

You have to tell him it after this, please. What did I. I was like, yes. I was a little inebriated.

[Taryn Delaney Smith]

I was laughing so hard because I missed it. So when I came back to my phone, I was like, what the fuck?

[Tiffany Singleton]

What did I say?

[Taryn Delaney Smith]

You said, at 11:05pm my entire breast just came out at restaurant.

[Tiffany Singleton]

That was a nice statement. Period.

[Taryn Delaney Smith]

People saw. Period. Reporting live, period. I have to keep dancing. I refuse to let this faze me. Gonna keep pushing like nothing happened.

[Tiffany Singleton]

And I did. So I had my moment. I felt my entire. I heard there was a group of guys at the table next to us.

[Kelly]

Oh.

[Tiffany Singleton]

And I heard them go, whoa. Right when it happened. So they definitely all saw it. Oh. And I felt. But I refused. I pulled it up and I tied it like a gentleman tying his tie. And I went back and immediately, robot kept it going. I was like, I don't care. And. Because I played it off.

[Taryn Delaney Smith]

Yep.

[Tiffany Singleton]

And maybe people Were laughing, but like, nobody. Like, no one brought it up again because obviously I didn't care.

[Taryn Delaney Smith]

But if you were embarrassed and bashful and if you left, it would have been the talk of the town.

[Tiffany Singleton]

Talk of town. Page Six. It would have made the COVID So there you go. You think you have something on me. You don't. You got a picture of it? Send it my way. Don't post it anywhere. Please go.

[Taryn Delaney Smith]

Please don't do that.

[Tiffany Singleton]

There's no way, though, this. I was. I was quick.

[Taryn Delaney Smith]

What's.

[Tiffany Singleton]

Oh, my God.

[Taryn Delaney Smith]

I'm trying to imagine this. It was like, untie, complete fall. And then you pull up.

[Tiffany Singleton]

Or.

[Taryn Delaney Smith]

No, you.

[Tiffany Singleton]

It was untie complete fall. I put an arm over my breast, and then I pulled it up over the thing.

[Taryn Delaney Smith]

That's so funny.

[Tiffany Singleton]

Whatever. Whatever. Whatever. I don't care. Whatever.

[Taryn Delaney Smith]

Put some speck on my girl.

[Tiffany Singleton]

Everyone has breasts. Your mother has breasts. I have breasts.

[Taryn Delaney Smith]

Mm.

[Tiffany Singleton]

So meanwhile, while I was having the most embarrassing moment of my life, at least so far this month, I was.

[Taryn Delaney Smith]

In pain in an equal measure.

[Tiffany Singleton]

What were you doing?

[Taryn Delaney Smith]

I was watching Mission Impossible for the first time.

[Tiffany Singleton]

Which one?

[Taryn Delaney Smith]

The third. Okay.

[Tiffany Singleton]

That's my favorite.

[Taryn Delaney Smith]

Last weekend with a friend or partner, whatever we want to call him. I don't know. Started watching My wiener. My wiener. Thank you. Started watching. Oh, my mom's calling.

[Tiffany Singleton]

You can answer.

[Taryn Delaney Smith]

Hi, Mom. We're recording pod.

[Tiffany Singleton]

Hi, Lanita. Hello.

[Taryn Delaney Smith]

How you doing? I'm good. How are y' all? Good. We'll show you to the camera. She did a finger wave. That's mom. That's Tracy, that's Alex, that's Kelly. Kelly's on the POD today. Our accountant, you know Kelly.

[Kelly]

Nice.

[Taryn Delaney Smith]

Oh, hi, Kelly. Yeah, she's heard everything about you. Okay, I'm gonna hang up. Cause we're recording. But I'll talk to you later. Love you. Love you.

[Tiffany Singleton]

Bye.

[Taryn Delaney Smith]

She loves the pod. That's Lanita. She's fabulous.

[Tiffany Singleton]

Thanks for loving the pod.

[Taryn Delaney Smith]

We love lan. So a friend and I, pal, whatever we wanna call him. We randomly started watching Mission Impossible the first one two weekends ago because it was free on streaming. And I was like, how weird. We watched it. And I was like, what the helly?

[Tiffany Singleton]

Understandable.

[Taryn Delaney Smith]

Is this.

[Tiffany Singleton]

It's an older movie. Yeah, that's missable.

[Taryn Delaney Smith]

It's got some flaws, but that's okay. I can recognize it as the American classic that it is.

[Tiffany Singleton]

But they get better.

[Taryn Delaney Smith]

Or do they? That was where I was lost. So I randomly brought up the fact that I watched Impossible to Taryn, and she's like, you got to see the third.

[Tiffany Singleton]

That's amazing.

[Taryn Delaney Smith]

As if. This was the best film.

[Tiffany Singleton]

I've seen it a hundred times in history.

[Taryn Delaney Smith]

And I said, well, if Taryn endorses it, I guess I can too.

[Tiffany Singleton]

Oh, I lost credibility, bitch.

[Taryn Delaney Smith]

Did you ever. I'm just kidding. It was bad. We. On Saturday night, when you was losing your titties in a room full of people.

[Tiffany Singleton]

Yeah.

[Taryn Delaney Smith]

I was being tortured in other ways. I literally could not get through the first 30 minutes of this film. It was so mean to me. I don't. And this is gonna get me canceled, so I have to say it gently. Are you agreeing with me, Alex? Thank you. Alex is on. Somebody in the studio was, thank you, Alex. I was like, am I watching the same movie that all of America seen? It is the most corny script, one that I've ever encountered. Do you agree, Kelly?

[Kelly]

I haven't seen it.

[Taryn Delaney Smith]

Ugh. Kelly, we got to get you on the script writing.

[Tiffany Singleton]

Script. Well, which is it? You wanted to watch it or not watch it?

[Taryn Delaney Smith]

I want you to watch it so you can agree with me. The writing was horrible. I shouldn't say this. I'm sorry, Tom. Cause I respect his craft. It was giving. It was giving. I've got budget and time. Let's make James Bond. But not. But the American version of, like, what Hollywood would interpret James Bond to be, like, crazy camera work, the sideways camera angles. I'm like, I don't understand what that is. The writing was awful. Oh, my God. That's Winston's theme song. And I remember. Okay.

[Tiffany Singleton]

Did you find. Did you find Tom Cruise handsome?

[Taryn Delaney Smith]

Um, yes. When I could get around the acting, I was like, tom could get it, but I know you love you some young Tom. So I was really trying to put my hat on. Like, okay. I was like, oh, Jesus. But I know you like the plot because you have certain proclivities. Things you like.

[Tiffany Singleton]

I love a damsel in distress.

[Taryn Delaney Smith]

Correct.

[Tiffany Singleton]

I don't really care about any of the Mission Impossible films, but I, from a young age, have always loved a damsel in distress situation. Don't judge me. I'm still a feminist. Okay? Charlotte Yorke said it best. Sometimes women just want to be rescued.

[Taryn Delaney Smith]

Correct.

[Tiffany Singleton]

You know what I'm saying? I can rescue myself. I can. Do I want to? No.

[Taryn Delaney Smith]

Or as the Cheetah Girls said, I'd rather rescue myself.

[Tiffany Singleton]

I'd rather. I don't want to be no Cinderella.

[Taryn Delaney Smith]

Sitting in a dark, cold, dusty cellar.

[Tiffany Singleton]

Ain't the money anyway, Period.

[Taryn Delaney Smith]

He was before you. Now, don't make Me look bad before.

[Tiffany Singleton]

We check the acting. Oh, you said it.

[Taryn Delaney Smith]

Ah, ah.

[Tiffany Singleton]

The great, the late and great Philip Seymour Hoffman. In my opinion, one of the greatest villains in like that type of movie. Like action movie. Before I really believed him. He was so cold blooded and believable.

[Taryn Delaney Smith]

Absolutely. Philip Seymour is when he pushes him.

[Tiffany Singleton]

Out of the plane and he's like, where's the rabbit?

[Taryn Delaney Smith]

And he's hanging there like.

[Tiffany Singleton]

And he's like.

[Taryn Delaney Smith]

And then he brings him back up and he's like Ethan.

[Tiffany Singleton]

He goes, the rabbis foot. And he was like ethan. And you're like, oh, he knows your name.

[Taryn Delaney Smith]

He was the best part of the movie. I will say that. I held on for Philip Seymour Hoffman. Acting was supreme.

[Tiffany Singleton]

What else is he playing? I love him. He's one of my. He often plays a billboard. Yes.

[Taryn Delaney Smith]

But there's one in particular that I'm imagining. I can't think of.

[Tiffany Singleton]

He's an incredible actor.

[Taryn Delaney Smith]

I love Philip Seymour Hoffman, God bless him. Yes.

[Tiffany Singleton]

And I really like Tom Cruise's acting. I like how he does his own stunts.

[Taryn Delaney Smith]

I can appreciate that.

[Tiffany Singleton]

And I like when he runs. I love seeing him.

[Taryn Delaney Smith]

He runs like a track star, like back straight.

[Tiffany Singleton]

We have an ongoing joke in my family. Break into Tom Cruise run.

[Taryn Delaney Smith]

That's so funny.

[Tiffany Singleton]

Hands up in the sky when that man runs and he's yelling gah. I can't believe you said half the things you just said. And I'm gonna get over it.

[Taryn Delaney Smith]

Come for me. I'm so sorry. We watched Spectre, James Bond, the Spectre movie right after. And I was like, it's just night and day. That compares to.

[Tiffany Singleton]

I would compare it to like Transformers. When you watch Transformers, like, who is it? James Michael Bay.

[Taryn Delaney Smith]

Michael Bay. I'm a Transformers Stan. You love them.

[Tiffany Singleton]

You love to say that on the show and say that you don't because Mission Impossible and Transformers are in that same vein of like. It has been largely acknowledged that that is a movie for boys and blowing stuff up. It is not even meant to be good. Because how can you not make fun of a bunch of cars turning into giant robots? I mean, the impossible things that happen, it's ridiculous.

[Taryn Delaney Smith]

I can absolutely get behind that narrative and still with my full chest say I will ride or die for a Transformers movie. But I could not get behind Mission Impossible. And this is lover of an action film. I was surprised at how bad it was to me personally. But I have all of the Transformers Michael bay ones on DVD. I love them.

[Tiffany Singleton]

I mean, I love Transformers 2. I like a little boom boom.

[Taryn Delaney Smith]

I Like a boom. Boom. I like explosion.

[Tiffany Singleton]

I like a boom. A little explosion.

[Taryn Delaney Smith]

I love a car or a tanker turning into a robot stabbing another robot with a big giant sword.

[Tiffany Singleton]

But you don't like Tom Cruise saving the world over and over and over.

[Taryn Delaney Smith]

Again watching that, I could go tomorrow and not see him jump off of another building. I'll be okay.

[Tiffany Singleton]

All right.

[Taryn Delaney Smith]

And that's on that.

[Tiffany Singleton]

Fair enough.

[Taryn Delaney Smith]

Tom, though. God bless. Hope you're well.

[Tiffany Singleton]

Well, today. I loved our ketchup. I love you. Read the book. All that. So now, as you guys know, we had an episode earlier in the season talking about our relationship and our journey with money.

[Taryn Delaney Smith]

Indeed.

[Tiffany Singleton]

And that was a great episode. So many of you. By the way, the comments on that video, I still look back and read because so many that were so heartfelt.

[Taryn Delaney Smith]

Yeah.

[Tiffany Singleton]

And it's. It's so cool to see how many. I will say a lot of our listeners, not all, but we have a huge demographic of women listening to the show. And so, so many women wrote in, talking about not only how they resonated with their relationship with money and how it's changed and growing and so on, but also, as women, how important it is for this conversation to happen. In that episode, we talk about how my mom's best friend, Kelly is. Has been a CPA for 28 years, since the year I was born in 1996.

[Taryn Delaney Smith]

Wow.

[Tiffany Singleton]

Yeah. She's incredible. And I brought her on because I just really needed help with. Not only, of course, I needed a cpa, I needed an accountant, but I wanted somebody who I could trust that was going to also help educate me because, frankly, I was just tired of feeling so insecure about how much I didn't know. And then it ended up happening that she became your accountant, too. And so she's in New York, and we decided to have her on the.

[Taryn Delaney Smith]

Show on a segment that. That we're calling what the Helly?

[Tiffany Singleton]

With Kelly.

[Taryn Delaney Smith]

Yay.

[Tiffany Singleton]

Come on in, Kelly. Welcome, Kelly, to the show.

[Taryn Delaney Smith]

Oh, we're so excited.

[Tiffany Singleton]

Now, if you are somebody who knows a ton about finance, I just want to warn you. Now, some of this might feel a little redundant to you because we're going to. I want to ask some questions that maybe other people don't know, but I hope you still enjoyed the pod. Anyway. Yeah.

[Taryn Delaney Smith]

And these are things that maybe we didn't know six to nine months to a year ago, and now we do. And they're part of our very everyday conversations. At brunch, at drinks, we talk about this stuff. And it's very Important, I think, and I know you likely feel the same way that these conversations are had amongst women, amongst friends, and this becomes normal place thought processes in your life because money is there.

[Tiffany Singleton]

And as I always. One thing we talk about more than anything we talked about in that episode, rich people are comfortable talking about money.

[Taryn Delaney Smith]

They dang sure are.

[Tiffany Singleton]

And I was not raised. It was taboo. We didn't do it.

[Taryn Delaney Smith]

Yeah.

[Tiffany Singleton]

And so now we've got to talk about. I want Kelly to jump in.

[Kelly]

I'm a fan of you guys. I really am.

[Taryn Delaney Smith]

I mean, it must be surreal to see Taryn and I mean, just to be in this space now, like you guys are working together in this way. That's very exciting. And you helped raise this girl.

[Kelly]

I. I did, yeah. And so did my daughter helped raise you.

[Tiffany Singleton]

Alex is in the studio.

[Taryn Delaney Smith]

Hi, Alex.

[Tiffany Singleton]

And that's Kelly's daughter.

[Kelly]

But yeah, helping you with your math.

[Tiffany Singleton]

Oh, yeah, she was my math. You were my math tutor as well.

[Kelly]

That's cute. Yeah. No, something you said, you know, about women not always feeling comfortable about money. I mean, if you think back, obviously in this patriarchal system, the men were always doing the money. So, like, for the longest time, I remember my mother not doing having a credit card in her name, let alone. We didn't even have credit cards back then. But she didn't have a credit card in her name. Everything was in the husband's name. She didn't know anything. And it wasn't until much later in life when she wanted to be more independent that she started doing more things. So I used to help my dad do his checkbook. He would let me fill it out while he signed everything. But that gave me insight into, oh, so this is how the bills get paid. But you know, we all need more education in that area. And unless you're exposed, exposed to it in your family or at school, which they don't do, I mean, you're gonna kind of walk in.

[Tiffany Singleton]

Yeah, I didn't personally. I know in my high school, like, I never a single class in which we talked about literally any of the stuff you've taught me in the last six months.

[Taryn Delaney Smith]

Anything. It's crazy. The only reason I had a semi foundation of this is girl scouting. They were like patches that we had to go through and learn about basic accounting and financing, but otherwise we would not have learned it in school. It's crazy.

[Tiffany Singleton]

Like I never even learned how to do a budget. I mean, you taught me how to do a budget. And obviously my parents always. The extent of the education my parents gave me was, save your money, don't go into debt. I mean, that was really it. And to be fair to my parents, that's not bad advice.

[Kelly]

No, it's great advice.

[Tiffany Singleton]

Save your money. Save your money. Don't spend frivolously. But now that I'm a businesswoman, I needed way more information than that. And also, I found out from you that, like, not all debt is bad.

[Taryn Delaney Smith]

Yeah.

[Tiffany Singleton]

There's, like, a lot of things that.

[Kelly]

Go into debt, right? Oh, yeah. There's different measures of it. But also, you. I think the most important lesson is, I mean, saving is super important, and you need to make that a regular habit. But understanding what is going through your accounts, you know, you guys, especially now, I mean, you have PayPal, you have Venmo, you have stripe things coming in. There's all these different ways to pay, and nobody. Because you have such visibility to your checking accounts, you don't need to reconcile your accounts anymore.

[Taryn Delaney Smith]

Yeah.

[Kelly]

Which I don't even know. Do you guys know what that means?

[Tiffany Singleton]

I don't.

[Taryn Delaney Smith]

Can I guess? Yeah, I'm assuming. Kelly.

[Tiffany Singleton]

What the helly?

[Taryn Delaney Smith]

Kelly.

[Tiffany Singleton]

What the hell is that?

[Taryn Delaney Smith]

I'm assuming it's okay. So now we don't reconcile, meaning we get. Our account is added up on its own, basically via the bank. Back in the day, I'm assuming you had to go through and, like, do your numbers in your books to make sure you'd be at the correct amount. Was it all manual?

[Kelly]

Well, no. It was on a monthly basis when your bank statement came, because in your checkbook, you would write checks, but they didn't always get cashed. Everything's more instant. So you had to keep track of, you know, you write a $25 check or a 50 cent check. Cause I got my first checking account when I was 13 and I was selling Fuller Brush. And so I would write a check for 50 cents at the gas station so that I could get 50 cents and buy a pop for a quarter. But anyway, so you had to manage. You couldn't just call up the bank and say. Or go into the bank and say, what's my balance? Because you would have these outstanding.

[Tiffany Singleton]

I would have folded like a damn lawn chair like the old days. What the hell?

[Taryn Delaney Smith]

But I've been bouncing checks all over town.

[Tiffany Singleton]

I don't know what's in the account, and they won't tell me at the bank. So I don't know what you want me to say. Yes, I wrote a fraudulent check. Sorry.

[Kelly]

Right. I have money in my account, so I'm just Gonna write a check. Yeah. Right. And then everybody decides to cash it and all of a sudden you don't have any money.

[Tiffany Singleton]

That would happen to me.

[Taryn Delaney Smith]

Absolutely.

[Tiffany Singleton]

Everybody in town has a check for a certain amount and everybody.

[Kelly]

Whoa.

[Tiffany Singleton]

So a couple basic. And I don't know the answer to this. I think you're on mute.

[Taryn Delaney Smith]

Workday starting to sound the same.

[Tiffany Singleton]

I think you're on mute.

[Taryn Delaney Smith]

Find something that sounds better for your career on LinkedIn. With LinkedIn job collections, you can browse curated collections by relevant industries and benefits like FlexPTO or hybrid workplaces so you.

[Tiffany Singleton]

Can find the right job for you.

[Taryn Delaney Smith]

Get [e-mail] jobs finding where you fit. LinkedIn knows how.

[Tiffany Singleton]

We've talked about this a little bit this morning. You're a cpa.

[Kelly]

Yeah.

[Tiffany Singleton]

Okay, so if somebody's listening to this pod and they're like, no, no, I really want help with my finances. I guess I have a couple questions. Do they go to an accountant? Do they go to a cpa? A bookkeeper? Are those all the same thing?

[Kelly]

It kind of depends what your purpose is. So, you know, what do you need help with? Are you a homemaker trying to manage limited funds and trying to keep everybody afloat? You know, get food for your kids, or are you a new business owner and you need to keep track of everything, or are you a student? You know, there are a lot of different needs and CPAs typically are working for businesses you can work in private or public. Bookkeepers are like a step, step down from a cpa, but they do a lot of like, I am doing bookkeeping for you, okay. Because, you know, I retired and then I, I wanted to come back and help you and I want to give you the education that you need.

[Tiffany Singleton]

What's ironic, guys, is that Kelly retired and then she was like, okay, I'll come help you. And then she started working with Tiffany and then she started working with another friend of ours that's also a content creator. And so now I'm like accidentally brought.

[Taryn Delaney Smith]

You out of her full time job.

[Kelly]

I know.

[Tiffany Singleton]

Almost sorry about that.

[Kelly]

Yeah. Living on the west coast and working with three lovely young who all are doing very exciting things and really appreciate the education. That's really what it's about for me.

[Tiffany Singleton]

And all of us are creatives and working freelance.

[Kelly]

And you're just, you're absorbing everything I'm telling you and you're all doing really wonderful things and changing your habits. But I just want to go back to the reconciliation for a second. So the reason that you reconcile in way Back when was to make sure that the bank account said the same amount, and then you would know how many things came through and how many things were still outstanding that you would need to subtract from the statement balance so that you didn't overspend. Where nowadays you don't reconcile. And you also don't really know everything that's flowing through your account. There's not one place to do it. So the first thing I did with you, Taryn, was put you into QuickBooks.

[Tiffany Singleton]

This is not an ad for QuickBooks. But, hey, if you wanna pay us, let us know. No, you can give free rewards. Yeah.

[Kelly]

Into some financial software. There are many options.

[Tiffany Singleton]

Yeah, I do like QuickBooks.

[Kelly]

And then you can bring in all of the activity from the different accounts. And you can see. You have to be able to see what's going on. If I say, what's this 9.99 charge? And you say, oh, that's my subscription to what? I go, well, what about this one over here? Isn't this that? And you're like, oh, well, yeah, I guess. Oh, I maybe need to cancel.

[Tiffany Singleton]

Usually my first response is, my God, someone's stolen my identity. And then after about four minutes, Kelly goes, and was this you? And was this you? And I'm like, oh, yeah, those are all me.

[Taryn Delaney Smith]

Like, admittedly, it's my worst. Like, my best. What am I trying to say? Like, the thing I love the most that we do and the thing that I hate, I'm like, I hate seeing how frivolous I am. God dang it. But at the same time, it's helpful because why do I have Hulu, Netflix, Paramount plus, and I don't use any of them? Like, what's the point of that?

[Kelly]

Yeah, exactly that. You know, be careful. You need to hold yourself accountable. And, you know, like, if you say, I don't know what that is, it's something I need. It's like, no, let's dig in and look at that and see. Is it really something you need? Because these things add up.

[Tiffany Singleton]

And that's something I would say anyone can do, even if they're not quite ready to take the step of, like, I'm gonna find a bookkeeper. They could. Can I use the word reconcile for this? Where they go through and they. They look at all the things they're spending on and finally just sit down and be like, okay, what? What? Where is my money going?

[Kelly]

You need to just get even. If you just grab five or six categories, you know, like, here's what I'm spending On my home, you know, my rent, my utilities. Here's what I'm spending on my car. If you're doing a car insurance, gas maintenance, car payment, here's what I'm spending on. I like to separate in home eating and going out. Because you're going out is entertainment essentially. And it's optional. You can change that one. And that's a big place to save money.

[Tiffany Singleton]

She's talking directly to us right now. She'll often see a charge and we're like two of the same restaurant over and over again. And she'll like. And she'll call me like, I know you're with Tiffany. Cause you guys have the same charges. We're splitting the meals. And I'll be like, we're not out. I don't know where Tiffany is. I'm not.

[Taryn Delaney Smith]

I'm not here. Right next to each other.

[Tiffany Singleton]

What the helly with Kelly.

[Taryn Delaney Smith]

I was gonna say before we say that.

[Tiffany Singleton]

No, no, go ahead. Sorry.

[Taryn Delaney Smith]

There's. You showed me a feature in the online banking systems basically that allows you to break down your spending into. I wanna say it's a pie graph or some kind of line chart to show where the categories are spending. So if you're not with a CPA or a bookkeeper, this is an option for you too. And it was very helpful. And we saw where all of my crazy spending was coming from.

[Tiffany Singleton]

The pie chart. I'm like red and it's like entertainment.

[Taryn Delaney Smith]

Booze.

[Tiffany Singleton]

I'm immediately like, who did that? What kind of heathen is my credit card right now?

[Kelly]

Yeah, what are these liquor charges? They're not deductible. Why are you putting it on your business credit card?

[Tiffany Singleton]

I thought it was deductible.

[Kelly]

We have tried going to the liquor store and buying bottles of liquor.

[Taryn Delaney Smith]

No, but I mean like, I thought our wine dates.

[Tiffany Singleton]

Yeah, our wine dates.

[Kelly]

Yeah. You know, I think it is. It does work for you guys because that's sometimes what it takes for you to create.

[Tiffany Singleton]

That's crazy.

[Taryn Delaney Smith]

Recently I'm like.

[Tiffany Singleton]

Because we make lots of videos like in restaurants. But that's another thing. We'll get to the write offs because I want to talk about write off.

[Kelly]

Because we have to get something else.

[Tiffany Singleton]

I actually, as you're talking and thinking of this, and I think a lot of people are going to resonate with this because I know it's true for me. How do you help someone who in this. One thing that was really helpful to have you step in was because I didn't even realize how many emotions were tied up in looking at spending. And I will say I think a lot of us are avoidant.

[Taryn Delaney Smith]

Absolutely.

[Tiffany Singleton]

And, like, I. You know what I mean? You said it was. When you said, I don't want to. You said, I don't want to know what I'm spending.

[Taryn Delaney Smith]

I would, like, blank my. Or block my emails from the banks so that I wouldn't see if I was overdrafting or so that I wouldn't see when something was charged. I didn't want to know. Like, I would open my bank account like this. Yeah, she knows this.

[Tiffany Singleton]

And I don't think you're alone in that. I think a lot of. Even if they don't go so far as to block it, I think a ton of people are like. They're nodding along and, like, yeah, I should do a budget. But there's a level of emotion and shame tied to how much they spend. So they would rather just cross their fingers and not know how. I don't know. Do you have any advice for somebody like, that's feeling really avoidant towards their finances? They want to get it together, but it's. They don't want to start.

[Kelly]

You know, I know what I would say here, but I would ask Tiffany, you know, how did I get you to be more comfortable looking at that? Because I made you. I tried so hard, make you feel validated that this is an understandable behavior. It makes total sense what you're doing, but you also have the choice and the control to change it. But I understand how you got here and why you're doing what you're doing. And there's, you know, that's who you are. You're beautiful.

[Taryn Delaney Smith]

Thanks, Gail.

[Kelly]

You do these things, and me, too. Yeah, I'm here, too.

[Tiffany Singleton]

Oh, for sure.

[Kelly]

But it's up to you to change it. And the only way you can change it is to know what's happening. But I'm not gonna make you feel shame for it.

[Taryn Delaney Smith]

No, you didn't. And honestly, I would say that's what made the difference. I was making myself feel so shamed. To give you background, I am now in an earning bracket that I've never been in before with creation and having a business and all of that. So this is new. And that's why Kelly came on. You took the shame out of it for me. So we would have our calls, and I'd be crying to you, basically, like, sitting in your lap crying, because I'm like, oh, for once, I don't have to feel bad about this, like, you giving someone full visibility, whether that's a friend or someone that you trust. Giving someone full visibility into your finances is helpful. And to me, before that, it was the complete opposite. I wanted to do it on my own. I was a grown woman. I could figure it out. And I just, quite frankly, didn't have the tools to figure it out because I'm just not wired that way. But working with someone who is wired that way, who has the tools, who, like I said, took the shame out of it. And basically you gave me the ultimatum. You're like, I could see where you can be. I see where you are. Now. Do you want to be there? And if so, I can help you, but you have to basically listen.

[Kelly]

Exactly.

[Taryn Delaney Smith]

So that's what it was.

[Kelly]

And Taryn, I have to say that you're just like a perfect client in that way.

[Taryn Delaney Smith]

Oh, a dude.

[Tiffany Singleton]

What the hell?

[Kelly]

Because you're very. You listen and you pay attention, and then you work on changing your behavior.

[Tiffany Singleton]

I try.

[Kelly]

Yeah. And now look where you know where you are. I mean, the first thing we did was, was we started a good savings account with you.

[Tiffany Singleton]

Yeah.

[Kelly]

And move some money out of there. I also go in and look at, like, what are the automatic payments that we need? How much does she need to have in this account? So that you help me a lot.

[Tiffany Singleton]

With my anxiety around money and a lot of my anxiety. I've talked about this before. I didn't like the idea that I knew how much I don't know. And so I felt like I was like, if I make any decision, it's gonna be the wrong one. I hated that feeling. And so sometimes it actually is nice to just be able to call someone and say, is this dumb?

[Taryn Delaney Smith]

Yes.

[Tiffany Singleton]

Am I being dumb? And then she'll go, you're not being dumb. But. And I'm like, okay, so I'm being dumb.

[Taryn Delaney Smith]

Don't be a little dumb.

[Tiffany Singleton]

I don't need jet skis. You're telling me I don't need jet skis. Her. Are we sure you call her back?

[Taryn Delaney Smith]

Just check it.

[Tiffany Singleton]

I just wanna make sure you meant the. I don't.

[Taryn Delaney Smith]

Are we talking about the same thing?

[Tiffany Singleton]

Are we talking about. I'm gonna send you a picture of.

[Taryn Delaney Smith]

A jacket just so you know what.

[Tiffany Singleton]

I mean, so you know how much fun they can be. But of course, I need a life jacket.

[Taryn Delaney Smith]

And of course I need a goggle helmet and goggles. My best.

[Tiffany Singleton]

Well, you know, you need a paint job.

[Taryn Delaney Smith]

You know, I need these out of the water, so.

[Tiffany Singleton]

Need my special jet ski shoes.

[Kelly]

You try to want what you have.

[Tiffany Singleton]

Jet ski Outfit.

[Kelly]

I know I have a story that I can share with you guys about Alex, your daughter. Oh my God, you sat around here.

[Tiffany Singleton]

She'S in the studio.

[Taryn Delaney Smith]

There she goes.

[Kelly]

Yeah, I reconcile her accounts every month and I just kind of look for funny things. And she had this one regular charge and I can't even remember how much it was, 20 or $30 or something. Anyway, it was to super and I said, Alex, what is this charge that comes in every month to Super? She's like, oh, that's my super supplements. And I'm like, I don't think so. Because I see that one over here and it's a different amount. What's this one? So we googled it and found out that a year prior she had gone on a trip and she'd signed up when she went to Louisiana and signed up when she got an Airbnb, accidentally signed up for some program and if you don't cancel it within 30 days, they start enrolling you. And she had been paying for it for over a year.

[Taryn Delaney Smith]

So 30 times 12 at least is what?

[Kelly]

Well, it was about $300.

[Tiffany Singleton]

Thank God we have metal genius here.

[Kelly]

Well, it would be360 to be exact, but she have it quite for a year.

[Taryn Delaney Smith]

Yeah.

[Kelly]

And then we called and cancel and.

[Taryn Delaney Smith]

I know there are check and reconcile divas and they're a lot of money.

[Tiffany Singleton]

There are certainly apps that I've heard of that help you that scan and stuff, but I know that there are apps out there that can do that for you and that's great. However, I know myself, I have such. I struggle so much with math and organization stuff. I am very glad and proud of myself that I have just hired someone to help me do this because frankly I an app could help me so much. But I really just think having human to human education is really, really nice. The other thing about this is what's really cool is as creatives, we do not have a regular paycheck. As a content creator, you're also an entrepreneur and a business owner. You do not have a salary or a 9 to 5 paycheck every month. And I think that's becoming more and more common amongst folks who.

[Taryn Delaney Smith]

Especially of our generation.

[Tiffany Singleton]

Yeah. Who don't want to do that. Although it's great to have a corporate 9 to 5. There's certainly. There are certainly tons of benefits. Like health insurance. Like health insurance to having a corporate 9 to 5. But speaking to those folks who don't, whoever they are, I don't know what is some advice that you have to people when it comes to managing finances, when you don't have a traditional paycheck every month.

[Kelly]

Yeah. So with the financial software, I mean, that's a really good question. And actually Tiffany and I are working on something like that. We are so. And I'm also doing it with someone else. But anyway, what I do is I put in what I know is scheduled, like if you have some income coming in, and then I'll put it in the financial software on the date that I think it's gonna come in. And I'll usually be a little bit conservative and maybe put it out a little bit later. And then I'll put in all your regular expenses and I put em in as estimates so that I can kind of build this cash flow. I can see when you're gonna go back below. And so if there is any discretionary spending, I'm like, hey, you've got a week here where there's not a lot going on. And so one thing you can do is put all of your discretionary spending on a credit card. And then we set up your credit card to be paid once a month and it goes in auto pay and we pay it off entirely. That way there's just less activity, less noise going through your checking account. Interesting. The only thing going through your, your checking account is going to be like the big rent. I put all my utilities and phone and everything on my credit card. And that way you always get like 45 days from the time that you put it on your credit card until you have to pay it. And then it's one lump sum. And when you get your statement, you have 20 days. So you know what that amount is.

[Taryn Delaney Smith]

Yeah. And I will say for us, that was game changing. One, it helped budget because I know I can't go over.

[Tiffany Singleton]

What the helly? I don't do that.

[Kelly]

That.

[Taryn Delaney Smith]

It's amazing.

[Tiffany Singleton]

Kelly, get me on this system because you are.

[Taryn Delaney Smith]

Oh, I am. Yeah. Hallelujah.

[Kelly]

You are. I keep telling you to get this out of PayPal.

[Tiffany Singleton]

Money moves.

[Kelly]

Get this.

[Taryn Delaney Smith]

Money moves.

[Kelly]

Get this out of your checking. Put this on your credit card.

[Tiffany Singleton]

You did do that. And I have it. Okay.

[Taryn Delaney Smith]

It's amazing. So you can't go over your credit card limit. So that helps with budgeting because then I know I have XYZ amount to budget.

[Kelly]

Does it help with budgeting, Tiffany?

[Tiffany Singleton]

We're trying.

[Taryn Delaney Smith]

Callie. We're trying to. We're not doing so hot, but we're trying. It's getting better than where we were six months ago.

[Kelly]

Oh, yeah. I will say big time. Yeah.

[Taryn Delaney Smith]

So we budget with that quote, unquote. And then also it helps with me not spend, like, overspending in general, because if it can't go on the credit card, like, I will buy a $1,300 dress when I have no business buying a $1,300 dress simply because I want to. But if the limit ain't that high, baby, I can't do it.

[Kelly]

Especially if it has jet skis on it.

[Taryn Delaney Smith]

Correct. You know the jet ski color. The helmet.

[Tiffany Singleton]

The jet ski helmet.

[Taryn Delaney Smith]

Gotta get. Get the best.

[Tiffany Singleton]

The Morage. What am I going to do? Park it on the land? Get the morriage.

[Taryn Delaney Smith]

You got to have the. The boat. Got to have the boat. So.

[Tiffany Singleton]

And insurance. And then you got to get the car with the jack on the back.

[Taryn Delaney Smith]

And then there's Mo, who drives the car, and then there's Mo's hour.

[Tiffany Singleton]

And you know Mo, he gets real finicky about his paycheck.

[Taryn Delaney Smith]

He's funny about his money.

[Tiffany Singleton]

So you got to pay. You have got to pay Mo on time. So that's where you spent your savings. So that's where things. But you can see there was no way around it.

[Taryn Delaney Smith]

I had to do it. That's literally how our conversation.

[Kelly]

Oh, that is our conversation.

[Taryn Delaney Smith]

It's bad. And we're getting better.

[Kelly]

Okay. Yeah.

[Tiffany Singleton]

No, but you're doing. You're doing. You're doing better.

[Taryn Delaney Smith]

We're doing.

[Tiffany Singleton]

Because you're also, like, we've talked more. You and I both have. Our conversations have gotten, I will say, so much more confident.

[Taryn Delaney Smith]

Absolutely.

[Tiffany Singleton]

And way less. Like, we're not biting our nails so much anymore. When we talk about our finances, I.

[Taryn Delaney Smith]

Mean, truly, just thinking about where we were, I'd say six to eight months ago.

[Tiffany Singleton]

It's a difference.

[Taryn Delaney Smith]

Like, it's nothing for us to bring up not only earning, but where we're falling short in the way that we're spending our money. The way long term planning, the kind of planning that we want to do financially, like that. We're not joking when we say this has now actively become a large part of our lives because of you and all the support that you've given us. That means so much to us.

[Tiffany Singleton]

It means so much to us. And I think that's one of the big reasons we really wanted you on the show. Because one thing about Warrior Girls is we really want these conversations we have in here to be truly authentic to what you and I are about talking. Talking about privately all the time. And this is something that is real, that we talk about a lot it's true.

[Kelly]

Well, just in that there are different stages, you know. And so like the first part is if you're just getting your money and so you're trying to manage and budget and get the flow working right, get everything on the credit card, get your savings account, figure out a regular way to save and kind of understand how your money is flowing. And then, then the next stage is like, okay, let's set up a savings program and start asking yourself, what are my goals? What are my financial goals? And maybe like Taryn, you said, one of the first things you said to me when we got started was you wanted to buy a house. And so it's like, okay, so I have that in the back of my mind. You have that in the back of my mind. Back of your mind.

[Taryn Delaney Smith]

You got killers.

[Tiffany Singleton]

Your mind's in my mind, my mind's in your mind.

[Kelly]

We're minded together, but we talked about, you know, well, what do you think that house would cost? Well, how much of a down payment would that be? How much do you like to have in savings? How much do you do we need to pay your taxes? And so we thought about all of.

[Tiffany Singleton]

That stuff and then you were able to look at, well, how much and how much money do you. I was really afraid that some of these goals wouldn't be achieved, that would be not achievable. But I was too afraid to pursue some of these goals before talking to you about it because. Because I don't have a solid paycheck, I would be like, well, how do I know if I can afford to do X, Y or Z when my income fluctuates? And so you really help me identify an average. You help me identify like, well, if you want to do this, that's great. You will have to save this much because to have that safety net that you want. So I don't know, just stuff like that is really, really cool.

[Kelly]

Yeah, you want it. There's certain rules of thumb, like you want to. The next goal for us is to have. You have six. But I like to have a year, six months of expenses in your savings account before you start going on to the bigger goals. So there's baby steps and all of this stuff can. There's all kinds of advice out there going online, but the most important part is don't be afraid to go look for it. Don't be ashamed of whatever knowledge that you have and of where you are.

[Taryn Delaney Smith]

In that process too.

[Kelly]

Yeah, I mean, it's such a tough time out there now, right? Everything is so expensive yeah, but just keep learning. Don't be afraid to dig in. You need to face your bank account.

[Tiffany Singleton]

Talk to your bank account. Actually, face the.

[Taryn Delaney Smith]

Talk to her.

[Tiffany Singleton]

Face her bank account. Talk to her. Talk to her. She's gonna talk.

[Taryn Delaney Smith]

She gonna talk back. She'll have a few words.

[Tiffany Singleton]

She gonna talk back. There is so much advice about the stock market. And then about like, no, you should be putting your money in a CD or a high yield savings account. No, you have a little bit of extra income that should go into the stock market being real and being honest. And you're gonna be talking to people that do not work in finance, specifically on this one, like us. What the helly?

[Taryn Delaney Smith]

What the helly is a cd.

[Tiffany Singleton]

And what the helly is up with the stock market? And you can make this a very condensed answer. And they can do more research on their own.

[Kelly]

I mean, the stock market. I was just talking to my financial advisor actually yesterday. Okay. And they. Because this is a very chaotic time because of the current admin. It seems like whatever he says, the stock market just kind of goes up and down. However, if you look at what it's been trending, it still is moving up. And it's what they call a bull market where it's increasing. So the thing is, I love a term you don't want a bear market. That's the one that's going down.

[Taryn Delaney Smith]

Oh, but then the hands clench. When it's bad, it's good.

[Kelly]

Oh, sorry.

[Tiffany Singleton]

And in the case of an armadillo market.

[Taryn Delaney Smith]

So.

[Kelly]

But especially at your age, you know, being in your 20s, early 30s, that kind of thing. I didn't start saving until I was in my late 30s because I had a non traditional kind of path to.

[Tiffany Singleton]

I'm sure that's really comforting to some people that are like, I'm 25, I should have this much saved. And I don't. No, that's okay.

[Kelly]

You're not. I didn't start saving until I was about 38, so. Because I didn't graduate from college until I was like 35. Because I took a different.

[Tiffany Singleton]

Right on, right on Kelly on her own timeline.

[Kelly]

Yep, exactly.

[Tiffany Singleton]

With a Venmo debit card, you can Venmo more than just your friends.

[Taryn Delaney Smith]

You can use your balance in so many ways.

[Tiffany Singleton]

You can Venmo everything. Need gas? You can Venmo this. How about snacks? You can Venmo that. Your favorite band's merch.

[Taryn Delaney Smith]

You can Venmo this.

[Tiffany Singleton]

Or their next show. You can Venmo that. Visit Venmo me. Debit to learn More.

[Taryn Delaney Smith]

You can Venmo this or you can Venmo that.

[Tiffany Singleton]

You can Venmo this. So you can Venmo that. You can Venmo. The Venmo MasterCard is issued by the Bancorp bank and a pursuant to license.

[Taryn Delaney Smith]

By MasterCard International Incorporated, card may be used everywhere MasterCard is accepted. Venmo purchase restrictions apply.

[Kelly]

Pull up stock market trend over the years. Right. And look back, you guys at 30, you have another 35 years of saving before you technically retire. If you were to retire at 65, although I want to retire a little sooner, but say 30 good years of saving, look at what the market does in that time, and it just continues to go up. They're gonna be, you know, it's gonna go down. But if you're only planning to invest in the market for a short period of time, then I would say, no, don't. Don't do that. You know, if you're only thinking of being in there for a couple of years, so you're gonna try to play it and anticipate what it does, you need to be in there for the long haul.

[Tiffany Singleton]

For the long haul, yeah. So you're putting money in there, you're forgetting about it.

[Kelly]

Yeah. Yes, pretty much.

[Tiffany Singleton]

I feel like there's a lot of pressure that, like, well, if you put it in and then you mess with it and you go on all these apps.

[Taryn Delaney Smith]

Crypto money.

[Kelly]

Oh, yeah. Those are other. You know that for some people, they become day traders and that's their thing, you know, I don't know about that.

[Tiffany Singleton]

But I did tell you to speak to people more like us. I don't feel comfortable doing that. And I guess I just want you to affirm that it's okay for me to not do that because I really don't want to.

[Kelly]

Right. And you're not gonna be able to use that money that's in the stock market. I mean, you can. If there's an emergency, you can. So if you need your money to be more accessible, then that's where you might do a CD or a high yield interest savings account, which is where I put you for now, until we decide, you know, what is, you're ready. I'm ready to set aside this money and I don't need to look at it for a long time.

[Taryn Delaney Smith]

Now, what does CD stand for?

[Kelly]

Certificate of deposit. I'm wrong. Yeah, you can buy. Taryn had one.

[Tiffany Singleton]

I confidently said I was like, coin dispenser. You did say something. Not that I was like, that is definitely a coin dispenser.

[Kelly]

Taryn, you bought a cd. Like, remember at the beginning you had.

[Taryn Delaney Smith]

Justly in Love was the first CD I bought.

[Tiffany Singleton]

Wait, what happened to my CDs?

[Kelly]

You. Okay, so I think you bought it for, like, six months or nine months or something. And then after that time, I did. And then you can actually renew it. And I said, no, let's not renew it.

[Tiffany Singleton]

And why didn't you want me to renew my CDs?

[Kelly]

Because the interest rate that you were getting on, that we could get higher just by putting your money into a regular savings account. And. And you would have access to it at a moment's notice where the CD.

[Tiffany Singleton]

In the case of the Jet Ski emergency.

[Kelly]

Exactly.

[Taryn Delaney Smith]

He's very finicky.

[Kelly]

But if you were to put it in the cd, you have to leave it there because they will guarantee you a certain interest rate, and it usually is higher than a normal savings account. But we go for the high yield savings accounts, and I don't know why they're high yield. They just. There are. There are banks out there that will say, we've got a high yield savings account, and right now they're at like, 3.6%.

[Tiffany Singleton]

And what that's doing, right, is I'm giving the money. My money to. I'm giving the bank my money to use.

[Kelly]

Right.

[Tiffany Singleton]

That's what that is.

[Kelly]

Yeah. And they say, we want it for six months, and we'll guarantee that we'll give you 3% interest no matter what.

[Tiffany Singleton]

Yes. And I do know those are. I remember this fact. I do know those are insured up to $250,000 by the.

[Taryn Delaney Smith]

Thank you, FDIC.

[Kelly]

Exactly. Exactly.

[Taryn Delaney Smith]

Because we're financial partners.

[Tiffany Singleton]

We're getting real smart over here. Don't piss me off. Next time you want financial advice, don't come to me, but just know that I would have the answer. I just won't give it to you.

[Taryn Delaney Smith]

And it'll come from Kelly.

[Tiffany Singleton]

Mostly it'll come from Kelly. I'll text her, and then I'll give it to you.

[Taryn Delaney Smith]

I'm curious if you were dating now in New York City or just a young woman in New York City. What advice would you have? Or what. How would you see yourself managing money if you were in our shoes?

[Kelly]

I would try to outline my goals, and then you would talk to me, and I would say, okay, here's what needs to happen. And then you have choices of how you can make that path happen. Like, you can continue your current lifestyle, but likely you're not gonna reach that goal for two or three years or you can change your lifestyle by this much and you might be able to reach it in a year. Or you can, we can make some more aggressive changes like you're going to eat at grocery store buffet lines instead of going out for drinks. And that would be like a hard snack.

[Tiffany Singleton]

No snacks, no drinks, no dancing. In Footloose Town.

[Taryn Delaney Smith]

In Footloose Town.

[Tiffany Singleton]

Footloose Town. No dancing, no food.

[Kelly]

But have it be for just a certain period of time. It's like six months. You'd be amazed.

[Tiffany Singleton]

What am I getting? Three days?

[Taryn Delaney Smith]

How can I change my life in a moment?

[Kelly]

Yeah. And so I mean I would just again, want what you have. Try to want what you have. Don't try to measure yourself against every other woman out there, which I know that is so difficult to do being in such a big city with all social media and everything. But you guys are beautiful and just kind of love who you are and want what you have.

[Taryn Delaney Smith]

I would say the difficulty is not wanting what other people have. It's more I'm up against my own expectations of what I want and what.

[Kelly]

I should have at this point.

[Taryn Delaney Smith]

So that's usually my complication. I'm not like, ooh, I gotta live like the girls. I'm like, what would 10 year old Tiffany do right now? And it's usually something frivolous that I can save for in the future. So that's game changing and that's something that you've taught me also. Like you can have it, it will come. You just don't need it right now. Yeah, save for it so that when you get it, it'll actually feel good and not like a stressor or like you, you know, put yourself in survival mode. I know that's a buzzword, but it is, it's true. We like to live in survival mode. Don't put yourself in survival mode because you want something and don't have self control in the moment.

[Kelly]

Yeah, you don't. My dad used to say don't let that. Or is that money burning a hole in your pocket?

[Taryn Delaney Smith]

It sure was. It sure was.

[Tiffany Singleton]

I have a question about. You had said if you were like if you were living in New York City dating. This is my fun question. Do you think just fun opinion now. Kelly's been married a long time, so she's, she's. This is just a hypothetical in regards to young women dating today. What are your thoughts on, does it matter? Like, should it be a factor when young women are dating? What the person across them at the table, what they're making? I have questions about that, like with dating and money, do you think it should matter?

[Kelly]

You know, that certainly the amount of money that you're making can be indicative of certain things, certain qualities. And I will say a funny story. When I was younger, before I met my husband, I made a list of what I wanted in a man and I wrote all those things down. I was at a Denny's and I found all of that. But what was important to me was he had to have a clean car. He had to have his own car.

[Tiffany Singleton]

So.

[Kelly]

Yeah. And he had to be clean and he had to have good hygiene. And I forgot to ask for hair. But, you know, you need to. You guys need to think about what's important to you, because the money, I think the money will come. And it's not what defines everything, certainly. So you don't want someone who's super frivolous with their money. You do want someone who believes in saving and who pays their bills on time. I mean, you can judge them partially by their credit score, fully by their credit score.

[Tiffany Singleton]

I see what you're saying. So it's not because people make it pretty black and white. They're like, hell, yeah, you should date someone who makes X amount. And you're saying there are other traits to measure that on. But it's still important. It still matters.

[Kelly]

Yeah. I mean, I mean, can they live? You know, yeah, it's great if they make enough money to live, but I mean, their lifestyle is going to dictate to that and I think that's more important.

[Taryn Delaney Smith]

And what are their habits like?

[Kelly]

Yeah, exactly.

[Taryn Delaney Smith]

Because you may not be financially where you could be, but are your habits right now indicative of where you want to go?

[Kelly]

Yeah. And my husband has similar financial planning habits as I do. You know, he doesn't over overspend on things. He's thoughtful about what he spends money on.

[Tiffany Singleton]

Yeah.

[Kelly]

So. Because finances are like one of the biggest contention in marriage and divorce.

[Tiffany Singleton]

Yeah.

[Kelly]

Yeah.

[Tiffany Singleton]

Which is super interesting to me when.

[Taryn Delaney Smith]

My team bring it up on the first date.

[Tiffany Singleton]

When is it appropriate to bring up money?

[Kelly]

I would certainly ask them, hey, what's your philosophy about money? I mean, are you gonna.

[Tiffany Singleton]

That's a good way to question it. So, like.

[Kelly]

Or yeah.

[Tiffany Singleton]

How would you say it? How would you ask somebody about money that you're getting to know?

[Taryn Delaney Smith]

I need some backstory. Are we on the first date? Have we been talking for a while?

[Tiffany Singleton]

You know they have a job.

[Kelly]

Yep.

[Tiffany Singleton]

And they've told you a little bit about their job. But we're going to assume you really from what they've told you. They're like, oh, yeah, I work in finance. That could mean anything.

[Kelly]

It really could.

[Tiffany Singleton]

So you don't actually know what they do, so how would you ask them about. Because you can't just be like, so what are we gonna do? Are we a. Are you a.

[Taryn Delaney Smith]

What are we talking about?

[Tiffany Singleton]

Go Dutch on everything type of person. Are you.

[Taryn Delaney Smith]

I do do that.

[Tiffany Singleton]

Are you stingy or are you generous? Or like, that's. Those are. That's a really blunt way to act.

[Kelly]

Well, isn't it? Also, you know, you ask them, do you want to have children?

[Taryn Delaney Smith]

I mean, it comes out another way. That's fair. I would say, though, I would probably ask up front. I wouldn't ask, are you stingy or not? But I would say, what is your relationship with money? I would ask that point blank, period. What is your relationship with money? And see where that goes. Are you afraid of it?

[Tiffany Singleton]

I mean, I like it.

[Kelly]

And you want a good tipper too, right?

[Tiffany Singleton]

There we go.

[Kelly]

That's really indicative of a good person.

[Tiffany Singleton]

I think I've said this on the POD before, but when I first. When I first was dating my husband, one of the number one things that endeared me to him was that he. Even when the service wasn't very good, he always tipped really well.

[Taryn Delaney Smith]

That's a good tipper.

[Tiffany Singleton]

And he would always say, you know what? They probably don't want to be here. They don't want to be doing this right now, but they are, so I'm gonna tip well. And I always appreciated that. He tipped really well.

[Taryn Delaney Smith]

We love our service workers. Thank you.

[Tiffany Singleton]

Yeah, I think that's a good thing to note.

[Taryn Delaney Smith]

I think, honestly, having. It's interesting, all the back and forth that we're going through with how we would pose this question, that's indicative of just how uncomfortable it can be to talk about when you're dating. Does it have to be that uncomfortable? I venture to ask, can it literally just be as simple as how you feel about money? And then we go from there. That's my goal.

[Kelly]

I mean, what are you afraid of if you were to ask that? Yeah, because they may be uncomfortable.

[Tiffany Singleton]

I think. I think what somebody would be afraid of, and I would say, especially women, is they're like, I don't want anyone to think that all I care about is money, when in reality, I think it's a fair question, because, no, it's not all you care about. But if you're dating for the long term, to be in a serious relationship, you're not you're actually, like, really dating to build a bond. Money does come into play, like you said.

[Kelly]

And you could ask about financial goals. You know, what are your financial goals?

[Taryn Delaney Smith]

That's a great one. What are your financial goals?

[Tiffany Singleton]

Alex is nodding in the studio.

[Taryn Delaney Smith]

Yeah, that's good.

[Tiffany Singleton]

What are your thoughts, diva? Alex did just make a great point about if we're talking marriage or lifetime partnership, whatever that looks like to you, that. That if we're being realistic a lot of the time, for a lot of people, sometimes. Sometimes you are the leader financially, and then other times, like, she was talking about how when, for example, one partner might want to go back to school, the other partner might have to pick up the slack there and that. Are you comfortable with that? Are you okay with that? Are you guys able to have that conversation comfortably? And then vice versa. Maybe you're out of school now and your partner becomes a doctor and you're like, cool, now I can go pursue that fun thing that makes less money. And I would say, not that I know people's situation, if that was your situation, I think that's very fair. And I've seen that in a lot of my friends, marriages where they did that, where they were like. And now I get to go and do this fun thing because I held it down for so long. And I think maybe that doesn't sound like a fairy tale to some, and maybe that's not. Maybe you're looking for. No, I want to always be taken care of. And that's fair. You're allowed to ask for that if that is what you want. I would say that's also really admirable and healthy to be in a place where, like, I will say, I'm very comfortable saying, when I met my husband, for years, for years, he was the breadwinner, and he was the one that said, quit your job. Go be a content creator. I got it. And now, as a content creator, I'm often very, very, very lucky that I do make more than my husband. And he still makes a great living. But, like, he's not uncomfortable with that because it's the give and take, the way things have gone. And he's so supportive. He's just like, dude, I'm so happy for. He's so happy for me. And he continues to work a great job and run his own business very, very well.

[Taryn Delaney Smith]

But the ebb and flow of life.

[Tiffany Singleton]

The ebb and flow of life in.

[Kelly]

A partnership like that, I think what works really, really well is to open up a joint checking account that, like, say, one person is making $100,000 a year, and one person is making 30,000 a year, that you each contribute a fair amount to the joint account. You figure out, okay, it's going to cost us $4,000 a month to live, and I'm making 100 and I'm making 30. So I'm going to put in 3,000amonth on my 100,000. And the person who's making 30,000 a year is only going to put in 1,000amonth. And that's what we're going to do for a while. But you're both contributing.

[Tiffany Singleton]

You're both contributing something.

[Kelly]

Yeah. And then maybe later, you know, your income increases and maybe eventually you're making the same.

[Tiffany Singleton]

Yeah.

[Kelly]

And then you increase that monthly amount.

[Tiffany Singleton]

It's realistic to say in all different types of relationship dynamics, maybe this is. You live with your sister or brother.

[Taryn Delaney Smith]

Yeah.

[Tiffany Singleton]

Like, this isn't just romantic relationships, but I think it's really interesting. But I can feel myself. It's so funny. I'm just being really, really honest right now. I can feel myself blushing a little bit during the conversation, even though I'm fighting against that because we have been all really honest today about how important it is to have these conversations. But going back, why is it so awkward to talk about money?

[Taryn Delaney Smith]

I have no clue.

[Tiffany Singleton]

I don't know.

[Taryn Delaney Smith]

Because I'm sat here like, did I give too much away?

[Tiffany Singleton]

I know.

[Taryn Delaney Smith]

But also really proud because this is open conversation we should be talking about.

[Kelly]

I know.

[Tiffany Singleton]

But I am so uncomfortable with it. And I'm scared to say the wrong thing to someone listening. I don't want someone to be offended by me suggesting how their relationship dynamic should work. So I'm just being really honest right now about how, like, isn't that so funny that I can make that suggestion? Jokes about money, but to actually seriously talk about is very uncomfortable. Talk about it is uncomfortable.

[Taryn Delaney Smith]

I'd be curious to know, like, in the comments, how are you guys anything like us in that way? Is this. I won't say is it universal, but is this something that we're all at this age juncture or whatever juncture you are in life, is this something that's uncomfortable for you to talk about?

[Tiffany Singleton]

Yeah. Or are you like, nope, first date? I bring it up day one of a friendship day where, you know, I talk about it with my friends and stuff like that, which I think I think is cool. But I think there are boundaries, too. I think there should be boundaries there, too. And things that you don't bring up.

[Taryn Delaney Smith]

Yeah.

[Tiffany Singleton]

Most likely like, are you somebody who I typically don't. You typically don't.

[Kelly]

Right. I mean, I will bring it up in certain ways, but there is a lot of baggage with that, because you don't want to be, like, bragging and you don't. And then it puts you into a certain category, and they may judge. So I do.

[Tiffany Singleton]

What if you're confident that you and your friend, probably you're in similar fields? Similar fields.

[Kelly]

Like, your mom and I were often parallel. And so I felt completely comfortable with her sharing what I had and she shared with me. But I always wanted to know what's she doing, because she's a single mom, and she may have had some ups and downs where we were two people in our household. I had one kid, she had two. And so I. I was like, kind of being her financial advisor, I wanted to keep an eye on stuff. So I was like, tell me more. Tell me more.

[Tiffany Singleton]

Anyway, and she was always supportive.

[Kelly]

Yeah. So there are definitely certain people that I feel comfortable with, but I know there's another person, a friend, and if they. I'll give them a lot of opportunity to tell me, and I'll just allow them to go as far as they want with it.

[Tiffany Singleton]

Yeah, but you don't press.

[Kelly]

No, no. But I mean, I do have a lot of people coming to me and giving me or asking me for advice. And if I'm going, I have to have certain information.

[Taryn Delaney Smith]

We should start a column called what the Helly with Kelly? People can submit. Kelly, would you do that?

[Kelly]

Oh, you know I would, yeah.

[Taryn Delaney Smith]

Okay. Well, maybe we have to come up.

[Tiffany Singleton]

With a new idea.

[Taryn Delaney Smith]

What the Helly with Kelly will live.

[Tiffany Singleton]

On what the Helly with Kelly? Money, Advice. Kelly.

[Taryn Delaney Smith]

That'd be so fun. You change a lot of lives. Y' all already are.

[Tiffany Singleton]

So to conclude the episode, I do feel like we would be remiss to say if you resonated so much much with what we said about being embarrassed or feeling disorganized in your money or wanting to generally be better, but you don't have a Kelly. You don't have a what the. And you are. If you're thinking, what the hell? But you don't have a Kelly. And there's so much information out there. Like, I know a lot of people are getting a lot of financial advice from TikTok, and I don't know how smart that is. I don't think it's all bad, but I also will say I don't think it's all great. I think that's fair to say.

[Taryn Delaney Smith]

At the very least, you can say it's not personalized to your financial situation.

[Tiffany Singleton]

You're so smart.

[Taryn Delaney Smith]

I got you, girl.

[Tiffany Singleton]

Damn it.

[Taryn Delaney Smith]

The PR in me.

[Tiffany Singleton]

Damn it. You so smart.

[Taryn Delaney Smith]

The biggest. The largest. Okay, anyway.

[Tiffany Singleton]

Superstar. You're a superstar, and you're so smart.

[Taryn Delaney Smith]

Can you start saying you a superstar.

[Tiffany Singleton]

And you're so smart. You know what? You're a superstar, and you're so smart. That's really funny. And I really think that about you. If that's how you feel, Kelly, where is a good place to start?

[Kelly]

I think looking at your account and trying to break it up, it's like, what am I spending my money on? And understand, here's how much I make, and here's what I'm spending my money on, and here's how much is left.

[Tiffany Singleton]

Over and be like. And are you happy with that? Probably not.

[Kelly]

I mean, do I need to change anything? What are my goals? I mean, there are probably, you know, you could probably ask this question online and find out, but I mean it. Basically, you need to know what you're spending, you need to know what you're making, and you need to have some goals are going to change.

[Tiffany Singleton]

You need to know what you're spending, you need to know what you're making, and then you need to have some goals.

[Kelly]

Yeah, that's absolutely some financial.

[Tiffany Singleton]

Face your account. You said that earlier, and I love that.

[Taryn Delaney Smith]

Face her. Talk to her.

[Tiffany Singleton]

Talk to her.

[Taryn Delaney Smith]

Let her know.

[Tiffany Singleton]

Because you're a superstar and you're so small.

[Kelly]

Even if she's going below zero, sometimes you still need to be her friend and help her out.

[Tiffany Singleton]

Be a friend to your bank account.

[Kelly]

She's only doing what she can do.

[Taryn Delaney Smith]

You're mean as out of your bank account.

[Kelly]

It's all up to you.

[Tiffany Singleton]

She's in red. She's overdrafted. I'm trying my best, but I can't restart.

[Kelly]

You can't squeeze blood out of a turnip.

[Taryn Delaney Smith]

You're right. You can get some turnip juice, though.

[Tiffany Singleton]

That's you. Your account. You got it. You got it. Fever.

[Taryn Delaney Smith]

Come on, sis, get up. Literally needing my bank account.

[Tiffany Singleton]

Get up. All right. Well, Kelly, we love you. Lovely. And we have to dedicate a trived to Kelly right now.

[Taryn Delaney Smith]

I don't have a bevy, but I'll toast with my imaginary bev.

[Tiffany Singleton]

Hold on to mine.

[Taryn Delaney Smith]

Okay.

[Tiffany Singleton]

To Kelly and all the CPAs out there helping us girls out. Trevi Diva.

[Taryn Delaney Smith]

We love you, Kelly.

[Tiffany Singleton]

And remember, we're your girls. And you're so smart. Cause we're your girls.

[Taryn Delaney Smith]

Hey Cause I like how you do.

[Tiffany Singleton]

Wear youe Girls is hosted and executive produced by Taryn Delaney Smith and Tiffany Singleton Management by Social Media. Produced by Good Mess Media. Follow us on all platforms at warriourgirlspod.