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
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.
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.
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.
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.
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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."
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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."
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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."
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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?"
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..."
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.
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:
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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?"
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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."
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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."
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."
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..."
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.