DiscoverBrown Ambition
Brown Ambition
Claim Ownership

Brown Ambition

Author: Mandi Woodruff and Tiffany Aliche / Cumulus Podcast Network

Subscribed: 3,487Played: 64,765
Share

Description

Every Wednesday Brown Ambition helps you unapologetically build wealth by saving, investing and making smart career choices — on your own terms! Your hosts are personal finance expert and journalist Mandi Woodruff and Tiffany "The Budgetnista" Aliche, an award-winning financial educator and author of the New York Time's bestseller "Get Good With Money". Got a question? Call or text us at 844-858-8080.

238 Episodes
Reverse
BA Fam, this week we're super excited to bring you another great interview. One of our financial favs Helen Ngo is back to talk to us about how we plan finances for our kids. We'll talk about: The difference between tactics and strategy when planning for your kids financial future (21:50) Why is college the first (and sometimes only) thing we think about when planning for our kids' financial future? (24:40) A few alternatives to the ever popular (and overhyped?) 529 plan (32:40) When is the right time to start? (41:41) Check out the links below for more: Investopedia's Complete Guide to 529 Plans What Is a Roth IRA? How Do UTMA Accounts Work? Capital Benchmark Partners The National Association of Personal Financial Advisors Fee Only Network XY Planning Network Learn more about your ad choices. Visit megaphone.fm/adchoices
Ep 263 - Dreams Are Free

Ep 263 - Dreams Are Free

2021-04-2801:13:283

Happy BA Wednesday! Let's talk about mindset. It's not the solution for everything, but it can make SUCH a difference in your life. This week we cover: Why dreaming big and working big aren't the same thing (11:32) An activity you can use to dream big and shift your mindset (19:50) What Sesame Street can teach us about mindset (28:37) What's the mindset difference between a millionaire and a billionaire (35:05) Then we'll get to your questions about debt versus savings (42:55) and how to find a competent and trustworthy financial advisor 49:50). Come hang out with us April 28th with The 19th* at 1pm Eastern. They've invited us to go live with them to answer questions about managing finances in a pandemic. You can send in questions here, and register to join us here. We'll see you there! Don't forget you can call/text us your questions for Brown Ambition at 844-858-8080. And as always you can DM us on Insta @brownambitionpodcast or email us at brownambitionpodcast@gmail.com. Check out the links below for more: The Get Good With Money Toolkit The National Association of Personal Financial Advisors Fee Only Network XY Planning Network Matt McGorry Post on Patrisse Cullors Numberblocks Alphablocks This 12-year-old prodigy is heading off to college. She aspires to be a NASA scientist Learn more about your ad choices. Visit megaphone.fm/adchoices
There are so many emotions this week, especially with the guilty verdict(s!) in the George Floyd murder trial. We want you to know that we recorded this episode Monday, a day before the verdict was reached. Our hearts go out to Floyd's family and to all the supporters of the Black Lives Matter movement who fought for justice in Floyd's name. He will not be forgotten. There is still much work to be done. Here's how you can help: Call 202-499-6085 and ask your representatives in Congress to support The George Floyd Justice in Policing Act Register to vote https://vote.gov Donate to causes that support social justice and racial equality We are sending virtual hugs to everyone and hoping you are taking care of yourselves. Here's a little preview of what we cover on today's show: Tiff's newest wisdom from Dr. Greene (5:27) Should you take advantage of your employer's Employee Stock Purchase Plan? (19:50) And where's best to park your home downpayment savings (26:35) Don't forget you can call/text your questions to: 844-858-8080 And if your question is longer or more complicated, you can still hit us up on IG @brownambition podcast or email brownambitionpodcast@gmail.com Save your spot! On Thursday 4/29 at 12 p.m. CT/1 p.m. ET Tiffany and I will be live in conversation with The 19th, a nonprofit newsroom amplifying the voices of women, people of color and LGBTQ+ citizens. Sign up here, Check out the links below for more: Employee Stock Purchase Plans You can and should still buy Tiffany's book if you haven't! Economist who says racism costs the U.S. $16 trillion explains the math Learn more about your ad choices. Visit megaphone.fm/adchoices
We got a New York Times best seller, fam! Get Good With Money is on a whole bunch of best seller lists and we couldn't be more proud. This week we spend some time talking about what it means for Tiff (1:22), what it takes to actually get on a best seller list (9:20), and maybe most importantly, what Tiff plans to do for REST (16:45). And after our amazing interview last week, we're back to answering your questions, like: I over contributed to my 401k, can I pull some of that money out to pay down some debt? (25:22) My career and family life are getting really hard to juggle, should I take a different job? (34:40) Don't forget you can text/call with your questions at 844-858-8080 (try to keep your messages under 1 minute please!) But you can always hit us up the old fashioned way too, on Insta @brownambitionpodcast or via email at brownambitionpodcast@gmail.com Check out the links below for more: Hardship Withdrawal vs 401(k) Loan: What's The Difference? The Butter Bar Skin Care How Credit Card Balance Transfers Work Learn more about your ad choices. Visit megaphone.fm/adchoices
Happy BA Wednesday, fam! It’s book release week for Tiff, and we’re talking all about the concept of financial wholeness (12:55). Mandi even took the quiz, and we’ll discuss her results.  We’d love to see you take it too. Head to ggwmoneyquiz.com and take the Financial Wholeness Quiz, then share your results on IG and tag us with the hashtag #ggwmoney. Other topics this week include: Should you worry about identity theft with a custodial brokerage account? (49:17) Should you drain your savings to pay off debt? (even if its a birthday present you totally deserve!) (53:05) A hard break for Georgia’s new voting restrictions (1:00:13) A boot for an IG account we love (1:02:30) It was so fun hearing from you all this week! Call and text us your questions for next week at 844-858-8080. Check out the links below for more: Buy Tiffany's book - Get Good with Money VisionPoet Shopping for a New Car? Use the 20/4/10 Rule Policy Genius Select Quote Learn more about your ad choices. Visit megaphone.fm/adchoices
Before we do anything else, we want to let you know we're standing in solidarity our AAPI community in Atlanta and all of the US after the tragedy that happened there last week. This epidemic of violence against our AAPI siblings has to stop. Check this link to see how you can help. Other things happening this week: Chris Hogan, of DR fame resigns after failing to live up to their "righteous living" policy (17:35) Kylie Jenner asks people to crowdfund for her makeup artist's brain surgery (20:23) And then, of course, your questions! The woman whose mortgage question had us STUMPED (30:52) A listener wrote in to share a major debt win (37:24) I gave a lower salary range than I should have for a prospective job, should I go back with a higher number? (41:25) Don't forget we have a new way for you to send your questions, call or text: 844-858-8080 Check out the links below for more: Order Tiffany's Book Phroogal Learn more about your ad choices. Visit megaphone.fm/adchoices
Have you ever heard of hypergamy? Wikipedia defines it as "the act or practice of a person marrying a spouse of higher caste or social status than themselves." Plenty of women today are actually following hypergamy in their relationships. Tiff fell down a YouTube rabbit hole and she's got questions...(3:18) Other highlights: Stimmys are coming! What should we be doing with them? (31:58) How do students and dependents get their checks? (33:53) Whether you should open a UGMA account for your child (35:49) What the child tax credit in the stimulus bill is all about (42:32) Check out the links below for more: Order Tiffany's Book Get Good With Money Summit Vote for Tiff in the NAACP Image Awards School of Affluence Learn more about your ad choices. Visit megaphone.fm/adchoices
It's BA Wednesday and we got the royal tea for you this week. We talk about: Oprah's exit interview with Megan Markle and Prince Harry (1:41) Tiffany's (virtual) White House visit (22:39) Some news on more stimulus checks (26:24) Shouts out to the ladies for International Women's Day (31:16) A listener question about being asked to do more and more work without being paid more (40:54) Speaking of questions, we have a new way for you to connect with us so you can ask us your questions. You can now call and leave us a voicemail at 844-858-8080. We can't WAIT to hear from you! We've got a brown break for some racist security guard and some Brown Boosts for Ava DuVernay and for Tiff being nominated for an NAACP IMAGE AWARD (WHAT?) Check out these links for more: Pre-order Tiffany's book Video of Tiffany's (virtual) White House Visit What’s in the Stimulus Bill? A Guide to Where the $1.9 Trillion Is Going Amanda Gorman, inaugural poet, 'tailed' by security guard on her walk home Array Crew: A resource to find Black and Brown filmmaking talent Learn more about your ad choices. Visit megaphone.fm/adchoices
Happy BA Wednesday, fam. This one gets deep quick. This week we got... What is digital blackface and is it really a problem? (3:42) Tiff's going to the WHITE HOUSE (virtually)! (26:00) A great listener question about IRAs, and how many of them you can have. (33:27) A little more discussion on the question of "picking someone's brain" and how we should set those boundaries (38:20) Some Brown Boosts for Chadwick Boseman, Peloton, a listener's financial win, and a Facebook group we love (48:45) Don't forget to rate and subscribe to the show wherever you listen, and share us with your friends. Love you! Check out the links below for more: Brown Ambition Merch Store Kids Know Chadwick Boseman Get Good With Money Learn more about your ad choices. Visit megaphone.fm/adchoices
We almost called this episode "D*ve R*msey is Trash — The Sequel". We were overwhelmed by the response to last week's show. Thank you so much for the support! For more on the shady history of DR's corporation, check out this article from Religion News Service. It's worth the read, along with the full response from the DR team. But the real reason we want to talk about DR again is that last week his podcast was DETHRONED from the number one spot for financial shows on Apple Podcasts for personal finance. He was taken out by our friends Rashad Bilal and Troy Millings of Earn Your Leisure. Shine on! And after a word on the difference between finance gurus and finance girlfriends, we got to a really good listener question... (40:30) $40,000 in debt...where do I start?! Check out the links below to read more! Is Dave Ramsey’s empire the ‘best place to work in America’? Say no and you’re out Full Ramsey Solutions Response Earn Your Leisure Podcast Discover Credit Scorecard Greenwood Bank Pre-order Tiffany's Book Brown Ambition Merch Store Learn more about your ad choices. Visit megaphone.fm/adchoices
D*ve R*msey put his whole entire foot in his mouth on F*x N*ws last week — LET THE DRAGGING COMMENCE (3:11). Tiffany has some thoughts about that (7:20). We also take a question from a listener named Jane (29:25). Jane wants to leave her job to start her own business, and she's got a few questions about how to get financially ready for that. After we take a second to give her a round of applause for doing an amazing job with her finances thus far, we get to talking about how hard the life of an entrepreneur can be. Do you need to quit your job to start your business (31:10)? Is it okay to contribute a little less to your 401k (34:20). There's a lot to think about here, and Tiff gets real real about it (45:20). When you're done listening, this is the list of financial educators we want you to know about: Patrice C Washington Jully-Alma Taveras - Investing Latina Popcorn Finance Podcast Anna N'Jie-Konte Farnoosh Torabi Journey To Launch Check out the links below for more: Anna N'Jie-Konte's IG post about her former coworker Pre-Order Tiffany's book 9 startling facts that show just how hard the student-debt crisis is hurting Black Americans Home appraisal for Black couple skyrockets after white friend pretends to be homeowner The Noodle Budget Navipsych Who is Whitney Wolfe Herd? Bumble app founder becomes newest self-made billionaire And as always, don't forget to stop by the BA merch store to get some swag! Learn more about your ad choices. Visit megaphone.fm/adchoices
The hits just keep on coming! We had a lot of good news for you last week and we've got even more good news to share this week. You'll have to listen to find out! (3:45) We've also got a few words for you on what arrogance and humility actually are (probably not what you think) (13:20) And then as usual we're on to your questions... 31:58 - could you all give advice for the best online brokerage for beginners? 43:55 - I’m 21, about to graduate college into our pandemic economy. I have a lot of things I want to do to get my finances in order, do you have any advice on what to do, where to start, and where to get good knowledge from? Check out the links below for more: Pre-order Tiff's book Ally Invest AOC's Instagram Live Stash Stock Trading App TD Ameritrade's Virtual Stick Market Double Dutch Aerobics Chinese Jump Rope And don't forget to hit up the BA merch store for some swag Learn more about your ad choices. Visit megaphone.fm/adchoices
We've got NEWS! BA has officially joined the Westwood One podcast network (5:43). We're so excited and grateful for the opportunity they're giving us to continue growing and reaching more people. A LOT happened while we were gone, so let's get into it... What in the world happened with Gamestop? What does it mean to "short" a stock? Did a reddit meme just make a whole bunch of people rich? We've got the tea. (11:44) We're sure you know about Tiffany's book by now. Its called Get Good With Money: 10 Simple Steps to Becoming Financially Whole. And now you can pre-order it! Go get it now right here: https://getgoodwithmoney.com/ (50:13) And we're back to answering your questions this week. We've got some great ones: 32:29 - How does Tiffany take apple cider vinegar and why? 34:09 - My job just promoted me without giving me a pay raise. They said this was the position I was meant to have all along, but I never signed anything saying that. I’m not in a position to quit right now. Help! 40:08 - I have two 401ks from previous companies. Should I roll them over during the current economy, or should I leave them where they are? Also my company doesn’t have a match. Any suggestions for making the best of this? Check out the links below for more: Hedge funds and short-selling: How and why Gamestop shook the stock market A 10-Year-Old GameStop Investor Cashed In. His Return? Over 5,000%. Learn more about your ad choices. Visit megaphone.fm/adchoices
We missed y'all last week! And this week is a bit of a different show. We've talked before on the show about the amazing organization Higher Heights. They're a 501(c)(3) that is building a national civic engagement infrastructure and network to strengthen Black women’s leadership capacity. This week we're talking to one of the founders of Higher Heights, Glynda C Carr. In this interview we'll learn: (6:10) How Black women have been the architects of our democracy (8:45) Just how big a deal is it that we have Kamala Harris as our Vice President now? (19:12) What's at stake for us if we don't get more involved at the local levels? (21:15) If you want to get more involved but don't necessarily want to run for office, how do you do that? (33:28) Now that we're past the general election, how do we keep this current energy going? And more! This was an amazing conversation and we're so excited to share it with you! See you all next week! https://www.higherheightsleadershipfund.org/ https://www.higherheightsforamericapac.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Ep 249 - Really, 2021?!

Ep 249 - Really, 2021?!

2021-01-1301:00:56

Welcome to 2021, BA Fam. To say the least, we are still reeling from the attack on our nation's capitol last (and DEMOCRACY ... and REALITY?) last week —OK, let's be real here the entire last four years. It was tough to find the words for this, y'all, but we are here to vent (a lot) with you and try to unpack what this means for the year to come. We're doing the best we can to take care of ourselves and each other, and sometimes that's all we can do. But most importantly, Brown Ambition is back in business for 2021, talking about self-care, career, personal finance, and empowerment. We got some great questions this week: 28:53 - Can you really take online surveys as a side hustle? 32:52 - What's the key to finding good virtual assistants for your business? Don't forget to check out the Brown Ambition merch store to get yourself some swag, and we'll see you all next week! Check the links below for more: Our song of the show: The Earth is Ghetto What's on Tiffany's bookshelf this year: Small Giants: Companies That Choose to Be Great Instead of Big Contagious: Why Things Catch on The Catalyst: How to Change Anyone's Mind The Effective Executive: The Definitive Guide to Getting the Right Things Done Lead from the Outside: How to Build Your Future and Make Real Change Vagabonding: An Uncommon Guide to the Art of Long-Term World Travel Learn more about your ad choices. Visit megaphone.fm/adchoices
Hey BA fam! We’re excited to bring you a very special interview this week. We had the joy and privilege of talking to Troy and Rashad from the podcast Earn Your Leisure! Also making a special appearance is Ian Dunlap from the Market Mondays podcast. We got so much wisdom and inspiration from them. Things like: How to use an economic downturn to your advantage (37:00) Why it’s important to build a foundation before you can seize on a “moment” (42:15) Turning a podcast into a network, then into a platform (53:25) What does “leisure” actually mean? (1:09:25) It was so great having these gents on the show. We’re sure you already know who they are. But if you don’t, now’s the time to get familiar! Check out Earn Your Leisure and Market Mondays and subscribe wherever you listen to podcasts. Check out the links below for more: Get Good With Money Virtual Summit Buy Get Good With Money Learn more about your ad choices. Visit megaphone.fm/adchoices
This week we're bringing you a re-broadcast of our interview with Jaspreet Singh of The Minority Mindset YouTube channel. Like Tiffany, Jaspreet’s story started with him falling victim to a scam (19:27). But he didn’t let that stop him and he’s now built The Minority Mindset into a YouTube channel with over 650,000 subscribers, a popular newsletter, and more. This conversation was another highlight of our year, and we're excited to share it with you again. Keep an eye out soon for new episodes. Be well, and happy new year! Learn more about your ad choices. Visit megaphone.fm/adchoices
We almost made it to the end of 2020. We're done making episodes for the year, but we wanted to replay this super fun, informative and important interview with Christina and Amon from Our Rich Journey. They achieved financial independence in 8 years, and they're shared some of their secrets with us. This was one of the highlights of our year, and its definitely worth a look back. Stay happy and healthy, we'll see you in 2021! Learn more about your ad choices. Visit megaphone.fm/adchoices
Ep 248 - Goodbye 2020!

Ep 248 - Goodbye 2020!

2020-12-2301:04:121

Last chance y'all! Head over to the Brown Ambition merch store and use coupon code HOHOHO to get 25% off! ---------------------- Happy BA Wednesday y'all. It's our last episode of 2020! We're taking a look back at 2020 and talking about the good things that happened for us this year. We're also taking a look forward at 2021 and talking about what we're trying to do next year. Last but certainly not least, we're getting a new stimulus bill (2:45) soon, and we'll be telling you what is (and isn't in there). And because it's our favorite thing, we're still answering your questions this week! (35:43) I’m very unhappy in my current job. I have some money in savings and some in a 401k. Should I put my health first and quit my job now? Or should I wait until I secure something else? (41:48) I recently got a new job and lost all the sick time I had saved up. I want to start a family with my partner. I want to spend as much time with my new baby as possible. Should I spend the 6 months expenses I have saved to do that, or should I tough it out and go back to work after maternity leave? Check out these links to read more: NY Times: Congress Strikes Long-Sought Stimulus Deal to Provide $900 Billion in Aid CNBC: Everything you need to know about the second round of coronavirus stimulus checks CDC Eviction Relief Form How to volunteer to help the Georgia Senate runoffs: 12 things you can do for voter outreach right now Elle Magazine: The Journalist and the Pharma Bro Ovia Health Apps Follow the links below to support our sponsors: Speaking of sponsors though, you can support our sponsors here: http://rothys.com/brownambition http://betterhelp.com/brownambition – Special offer for Brown Ambition listeners, get 10% off your first month http://fiverr.com – Receive 10% off your first order by using our code BrownAmbition Learn more about your ad choices. Visit megaphone.fm/adchoices
Our self care journeys continue. Sometimes self care is more than a massage or your favorite cocktail. Sometimes it's therapy. Sometimes it's sitting in your car by yourself with your favorite drink. Whatever it means for you, we hope you're taking good care of yourself. The end of the pandemic is in sight, but we still have to get through the holidays and the first part of next year. It's still going to be hard, and you still deserve to be okay. In the meantime, we're going to keep bringing you money and career advice. There are some great questions this week like: (26:56) How can I pay off 20k in debt on a fixed income? (34:13) I’m 25 and I’m graduating with 2 masters degree. I received a job offer, but I’m afraid I might’ve asked for too little money. I had a great interview for a promotion with my current employer, and that might offer more money. I’m stressed out over what to do! As you finish up your holiday shopping, don't forget: You can save 25% at our merch store by using the coupon code HOHOHO. Good through the end of December! In this year especially, its great to support local and small businesses. One of our favorites right now is The Butter Bar skincare (not a sponsor, we just love them). Either way, do your best to shop local and support small businesses. We want to see them survive this pandemic! Speaking of sponsors though, you can support our sponsors here: http://rothys.com/brownambition http://betterhelp.com/brownambition – Special offer for Brown Ambition listeners, get 10% off your first month http://fiverr.com – Receive 10% off your first order by using our code BrownAmbition Check out the links below for more: Neal Katyal on IG Cardi B's 88k purse NaviPsych The Debt Snowball Sandy Smith - Yes, I am Cheap Magnify Money - When You Should Consider Bankruptcy and How to File Learn more about your ad choices. Visit megaphone.fm/adchoices
loading
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
Download from Google Play
Download from App Store