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Brown Ambition

Author: Mandi Woodruff and Tiffany Aliche

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Brown Ambition is a weekly podcast about juggling life, career, and building wealth on your own terms. Your hosts are Mandi Woodruff, executive editor of MagnifyMoney.com and former personal finance reporter for Yahoo Finance, and Tiffany "The Budgetnista" Aliche, an award-winning financial educator and best-selling author of "The One-Week Budget."
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Amon and Christina were both government employees and parents of two kids. Through smart investing and a whole lot of hustle they were able to retire BEFORE AGE 40. Now they help other people pursue FIRE (Financial Independence, Early Retirement) on their YouTube channel, Our Rich Journey. In this episode you'll learn... how IKEA can be a gold mine for smart flippers ways to increase your savings without giving up everything you love why sometimes the smart thing in the stock market is the OPPOSITE of what lots of other people are doing (hint: we've told you this before!) We really loved having Amon and Christina on the show, and we're interested in who you might want us to invite on the show. Send your suggestions (along with your money questions) to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast Links: Our Rich Journey Our Rich Journey Junior NY Times article about the lack of diversity in the FIRE movement
As the end of the extended unemployment benefits looms, we're learning more about what the new stimulus bill may look like. All we know is you need to put your mask on and vote like your life depends on it. Get your VOTE mask here: https://www.resistancebydesign.com/fair-fight?fbclid=IwAR0OvKnh_kLru-NTZNpFqeaa9COHS6Myuz263jBWzlZrdE1zSlyeLI0M2_o We're also answering your questions, including one from Tiffany's mom! The lease is up on my car and I'm way below my miles, is it a good idea to buy it? How do you make your recruiting process more diverse and inclusive? Reach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast
The whole country is trying to figure out what to do about school for next year. Lots of parents are trying to make some really difficult decisions right now. What are you doing about school as some school districts return to in person classes? Hit us up and let us know what’s happening where you’re at. And of course we're answering your questions like: The interest rate on my high yield savings account dropped to 1% because of the pandemic. Is there a point where I should pull my money out? My boss wants to pay for a certification that would help me move up in my current field. But I hate my current field. How do I balance wanting to do the best for me and the guilt of feeling like I’m taking advantage of/misleading my current company? And if you're like Tiffany and you're trying to find insurance, check out policygenius.com. You can find insurance there for basically anything. Reach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast
How do you get into your zone of genius? Tiffany's business coach has her whole team figuring out the intersection of what they're good at and what they love doing. She's already seeing returns. The point? Asking for help is baeeeeeee And you all had some great questions for us this week like: The pandemic has made our income uncertain, would it be weird for us to move back in with my in laws? I got a job offer right out of school in the middle of this pandemic. But the company has said nothing about the current moment in BLM movement. Should I take this job? My company has said/done nothing in support of BLM, then sent a company wide letter asking people to be mindful of “certain conversations”. Should I say something? Check out the links below for more info: Zones of Functioning: https://www.forbes.com/sites/briannawiest/2018/09/26/how-to-get-into-the-zone-of-genius-and-unlock-your-highest-potential/#590933b95672 US Credit Card Debt is DOWN: https://www.cnbc.com/select/revolving-credit-debt-lowest-since-the-great-recession/ Reach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast
This week we're doing something a little different. Instead of answering questions, we're following up! Awhile back, a listener asked a question about negotiating salary during the pandemic. We gave her some advice, and this week she followed up to let us know how things went. Also a few weeks back, Tiffany shared her story about learning what the drama triangle is. She talked about learning how to set boundaries and say no. A listener heard that story and wrote in to talk about her situation and how it helped. Check out the link below for more info on what the drama triangle is... What is the drama triangle?: https://www.youtube.com/watch?v=E_XSeUYa0-8 Facebook post about home appraisal and racism: https://www.facebook.com/abbbbbbSH/posts/10157315957283671
Mandi is playing NO games in getting her house refinanced. Learn how to shop around and make the loan officers work for YOU. On the flip side, if you're having trouble keeping up with a mortgage payment, check out this guide to Covid-19 related mortgage help. And finally we're answering your questions, including: Are you familiar with a sou sou? Is it a ponzi scheme or pyramid scheme? I may not be able to give my job 2 weeks notice before I quit, what are your thoughts? Read these resources below for more: https://www.lendingtree.com/home/mortgage/pay-mortgage-amid-coronavirus-outbreak/ https://www.essence.com/news/money-career/what-is-a-sou-sou-savings-club-facts/ https://www.bet.com/shows/bet-awards/performers.html Reach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast
Mandi is taking concrete steps to handle racial disparities at work, Tiff is saying no to people who don't deserve her time, and hello to all the new people listening from Spotify! As mentioned on the show, here's a list of 7 things employees can ask their companies to do in support of inclusivity now. Questions: How do I get my money back after I've been scammed? Check out these links for info on what you might be able to do about it: ftc.gov/giftcards ftc.gov/complaint And this week's insta to follow is @karensgoingwild Reach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast
What does allyship look like, and why is it important in this current moment? Do companies actually mean what they say when they're posting about Black Lives Matter? And what do palm trees have to do with all this? For more check out: https://www.tonybakercomedy.com/ change.org/renamegrady The NAACP Legal Defense and Educational Fund, Inc. – naacpldf.org Support a Black business: Blacklivesmatter.com/shop Color of Change – https://colorofchange.org/ 16 Orgs that are bailing out protestors: https://variety.com/2020/biz/news/black-lives-matter-bail-protestors-donate-charities-1234622677/ RESEARCH NONPROFITS BEFORE DONATING HERE: https://www.charitynavigator.org/ Links to anti-racist resources to send your white friends: 1. https://docs.google.com/document/d/1BRlF2_zhNe86SGgHa6-VlBO-QgirITwCTugSfKie5Fs/preview?pru=AAABcnXnOhM*YNlgMgo4D07mNyOtlVctmg 2. https://docs.google.com/document/d/1hpub-jkm9cLzJWqZSsETqbE6tZ13Q0UbQz–vQ2avEc/edit?usp=sharing
We've got hopes and dreams for this moment, and we've spent a lot of time thinking about how we're going to move forward from today. But also, DID YOU SEE TIFF ON QUEER EYE? What Tiff gave Tyreek is her 36 day Live Richer Challenge. You can do this too! Check it out. You can find the Instagrammer Tiff talks about on this episode @wordy.talk Check out these links for more: The NAACP Legal Defense and Educational Fund, Inc. – naacpldf.org Support a Black business: Blacklivesmatter.com/shop Color of Change – https://colorofchange.org/ 16 Orgs that are bailing out protestors: https://variety.com/2020/biz/news/black-lives-matter-bail-protestors-donate-charities-1234622677/ RESEARCH NONPROFITS BEFORE DONATING HERE: https://www.charitynavigator.org/ Links to anti-racist resources to send your white friends: 1. https://docs.google.com/document/d/1BRlF2_zhNe86SGgHa6-VlBO-QgirITwCTugSfKie5Fs/preview?pru=AAABcnXnOhM*YNlgMgo4D07mNyOtlVctmg 2. https://docs.google.com/document/d/1hpub-jkm9cLzJWqZSsETqbE6tZ13Q0UbQz–vQ2avEc/edit?usp=sharing
The world is a lot right now. Let's talk about it. Resources: The NAACP Legal Defense and Educational Fund, Inc. - naacpldf.org Support a Black business: Blacklivesmatter.com/shop Color of Change - https://colorofchange.org/ 16 Orgs that are bailing out protestors: https://variety.com/2020/biz/news/black-lives-matter-bail-protestors-donate-charities-1234622677/ RESEARCH NONPROFITS BEFORE DONATING HERE: https://www.charitynavigator.org/ Links to anti-racist resources to send your white friends: 1. https://docs.google.com/document/d/1BRlF2_zhNe86SGgHa6-VlBO-QgirITwCTugSfKie5Fs/preview?pru=AAABcnXnOhM*YNlgMgo4D07mNyOtlVctmg 2. https://docs.google.com/document/d/1hpub-jkm9cLzJWqZSsETqbE6tZ13Q0UbQz--vQ2avEc/edit?usp=sharing
Let's talk about the housing market. Will there be another housing crash like there was after 2008? Is now a good time to buy a house? What about refinancing? We talk about this and more, then we answer your questions like: If we get a second stimulus check, would it makes sense to spend a few hundred dollars on some stock while the the price is low? My grandfather gave me a car. Should I sell my old car or rent it out for extra income? And check out the following links for more: Lending Tree Refinance Calculator: https://www.lendingtree.com/home/mortgage/calculators/mortgage-refinance-calculator/ The Hertz bankruptcy and buying rental cars: https://twocents.lifehacker.com/get-ready-to-buy-a-rental-car-for-dirt-cheap-1843677823 More on Central Park Karen: https://www.cnn.com/2020/05/26/us/central-park-video-dog-video-african-american-trnd/index.html Products that qualify for FSA funds: https://fsastore.com/ Reach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast
We got so many supportive messages from you all after last week's show. Thank you! This week we're trying to figure out what summer might look like, when we might be back in our offices, and who will be the first people in our quarantine bubble. Then we're answering your questions like: How do I handle closed credit cards to improve my credit score? I'm expecting a large lump sum of money, I need some advice on how to use it. Check out the links below for more information: Secured Credit Cards: https://www.magnifymoney.com/compare/secured-credit-cards/ Credit Builder Loans: https://www.self.inc/ Calculate your noodle Budget: https://thebudgetnistablog.com/noodle-budget-101-how-to-adjust-during-financial-crisis/ Reach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast
This week, Tiff got her house appraised, and the result came in mysteriously low. Wonder why that is? We also talk about the right (and wrong) ways to go about giving and receiving mentorship. Then, as always, we're answering your questions like: My mom is 60 and is horrible with money. What can I do to help her? What was your most ridiculous or unnecessary online purchase since quarantine began? how often do you take naps during quarantine? Or is that even possible? Since the quarantine, do you eat at home or order out? have you had to delete people from social media due to their excessive posting about the virus? what’s the first thing you wanna do once quarantine has been lifted? what music are you listening to right now? Check out these links for more: The NY Time article Tiff mentioned: https://www.nytimes.com/interactive/2019/04/27/upshot/diversity-housing-maps-raleigh-gentrification.html Erykah Badu vs Jill Scott: https://hypebeast.com/2020/5/jill-scott-erykah-badu-verzuz-battle-recap-stream More battles on Insta @verzuztv Reach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast
Last week, Mandi talked about having hard conversations, and this week, Tiffany had one! Listen in to find out more. As always, we're answering your questions, like: -Since federal student loan payments have been waived until September, what should I do with the money that would normally go to my loan balance each month? -What are some of the pros and cons of putting your money into a money market account? -If now is a good time to invest, how do I start? Check out these links for more: Year of Yes: How to Dance It Out, Stand In the Sun and Be Your Own Person Reach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast
Ep 214 - The Check In

Ep 214 - The Check In

2020-04-2951:201

This week we're taking some time to check in on each other. We're making hard phone calls and having hard conversations, and giving ourselves A BREAK. We're also answering questions like: -what's going on with this rent strike movement in New York? -I'm trying to save for a house, but I have medical debt that I can't afford to pay, what should I do? Check out these links for more resources: For pro bono financial planning work for underserved communities: https://www.onefpa.org/Pages/ProBonoPlanning.aspx IRS info about the economic impact payments: https://www.irs.gov/coronavirus-tax-relief-and-economic-impact-payments File for unemployment insurance: https://www.careeronestop.org/ Mortgage relief programs and tips: https://www.lendingtree.com/home/mortgage/pay-mortgage-amid-coronavirus-outbreak/ Guide for small biz owners impacted by Covid-19: https://www.lendingtree.com/business/emergency-business-loan-resources/ Reach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast
Happy Wednesday, BA fam! Why is Suze Orman is telling people to spend money on their credit cards right now? Get the scoop on this and other money questions this week like: Should we dip into our savings to pay for my husband's nursing school? Online savings account interest rates are dropping, is now a bad time to open one? If you receive social security and didn't get money for a qualifying dependent, go here to find out what you need to do. The deadline is 4-22! Magnify Money Online Savings Account comparisons: https://www.magnifymoney.com/compare/savings-account/ Find a local food bank to get help from or donate to: https://www.feedingamerica.org/find-your-local-foodbank IRS info about the economic impact payments: https://www.irs.gov/coronavirus-tax-relief-and-economic-impact-payments File for unemployment insurance: https://www.careeronestop.org/ Mortgage relief programs and tips: https://www.lendingtree.com/home/mortgage/pay-mortgage-amid-coronavirus-outbreak/ Guide for small biz owners impacted by Covid-19: https://www.lendingtree.com/business/emergency-business-loan-resources/ As always, please reach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast
Hey BA Fam - On this week's show, we're taking on scammers and price gougers, giving you the tools and information to keep your finances safe. For more information check out: Find Out When Your Stimulus Check is Coming via IRS FTC Coronavirus Scams Help Site 7 Common Covid-19 Scams Explained
As we move into the 3rd or 4th week of staying home, COVID-19 is still affecting almost every area of our lives. We’re talking about how to cope. We’re going to tell you about how we’re taking care of our mental health, our families, and our businesses.  Last week we talked a lot about the stimulus checks many of us will be getting. This week we’re also talking about how this bill affects small businesses, freelancers, and other 1099 workers. Then as always, we’re answering YOUR questions, including: I haven’t filed my taxes in two years. What do I need to do to qualify for a stimulus check? I thought the president suspended student loan payments. My servicer is telling me my full payment is due. What do I do? I was planning on opening a credit card this month, should I wait? Student Loan Forbearance Info: https://studentaid.gov/announcements-events/coronavirus Application for SBA Disaster Relief Loans: https://covid19relief.sba.gov/#/ File for unemployment insurance: https://www.careeronestop.org/ Mortgage relief programs and tips: https://www.lendingtree.com/home/mortgage/pay-mortgage-amid-coronavirus-outbreak/ Guide for small biz owners impacted by Covid-19: https://www.lendingtree.com/business/emergency-business-loan-resources/ As always, please reach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast
This week, we start with a much needed mental health check in. The COVID-19 outbreak is affecting our work, our money, and relationships and we’re all figuring out what that’s going to look like for us in the coming months. Spoiler alert: IT’S OKAY TO GIVE YOURSELF A BREAK. On the show today, we talk about the $2 trillion relief package passed by Congress and what it means for you: How much my will my stimulus check be? When will I get my stimulus check? What should I do with my stimulus check? I’m a small business owner, what’s in this for me? And we get some Mali More updates too! Application for SBA Disaster Relief Loans: https://covid19relief.sba.gov/#/ File for unemployment insurance: https://www.careeronestop.org/ Mortgage relief programs and tips: https://www.lendingtree.com/home/mortgage/pay-mortgage-amid-coronavirus-outbreak/ Guide for small biz owners impacted by Covid-19: https://www.lendingtree.com/business/emergency-business-loan-resources/ As always, please reach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast
As the situation with Covid-19 develops, people are asking LOTS of questions about what this means for their finances. On today's show we call up one of our besties, CNBC Senior Personal Finance Correspondent Sharon Epperson. Sharon helps us out with some of your questions, including: My 401k is down 30%, what should I do with my nest egg right now? Do I keep putting money into my retirement or divert it to cash savings? If I have emergency savings, is now a good time to put MORE money in the market? Should I refinance my student loan debt? What do I do if I lose my job? What's going on with these checks the government is supposed to send us? We also share some VERY necessary tips for self care when it feels like the world is falling apart. For more help and information check out these resources: Sharon's reporting on the financial crisis: https://www.cnbc.com/2020/03/23/coronavirus-fears-your-money-questions-answered.html Free financial planning: https://www.onefpa.org/Pages/ProBonoPlanning.aspx Resources for homeowners: https://www.lendingtree.com/home/mortgage/pay-mortgage-amid-coronavirus-outbreak/ Resources for credit card users: https://www.comparecards.com/blog/credit-card-issuers-offer-help-customers-coronavirus/ Resources for small business owners: https://www.lendingtree.com/business/emergency-business-loan-resources/ Resources for student loan borrowers: https://studentloanhero.com/featured/student-loan-coronavirus-information/ Keep sending us your questions (Coronavirus related or not) to brownambitionpodcast@gmail.com, or hit us up on Instagram @brownambitionpodcast
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Comments (7)

Adam Jones

Hello, My name is Altagracia. Were you able to help your friend with the school situation. I am a parent advocate in Newark and would help if needed. Please also remember that some of the charter schools like Grey Charter do not go through Newark enrolls.

Mar 3rd
Reply

OriginalReD

I have students loans and they're all listed individually (every semester). Should I consolidate them?

Oct 21st
Reply

gg jg

the audio just cut when tiffany was still talking...

Oct 19th
Reply

Michael Silas

😩 would love to work for you. working for you sounds awesome!!

Jul 30th
Reply (1)

Wonder MacHingura

enjoyed your show with Tela...just started this trading thing and I'm learning how to do it .I'm happy to know some ok be actually started from zero knowledge and now she is retired!

Dec 26th
Reply

Altovise J. Adams

Hi I was listing to your podcast on student loan debt. I am in a chapter 13 because I could pay my loans and my car that I needed to get work I am coming to the end of my chapter 13 and unsure what to do??

Aug 28th
Reply
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