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Staying in the Black

Author: Ms. Black

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Stay in the Black is dedicated helping teachers get their money straight and live their fullest life on a public servant salary Are you a teacher living check to check? Are you worried about your student loans? Can you afford to purchase a home? Can you afford to have children or send them to college? In this podcast we will cover pensions, student loans, side hustles and ways to maximize and expand your finances. We will also cover budgets, saving, credit and more! You will find information, interviews, book reviews and you will leave with action steps to help you Stay in the Black, for more go to stayingintheblk.com
183 Episodes
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Birthday Trip!

Birthday Trip!

2025-06-1321:12

Ms. Black shares some of the financial decisions regarding her 50th Birthday celebration. The episode was recorded in Morocco. Listen and start planning your next celebration. Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1M in her retirement accounts beyond her pension. Learn more about ...
In this episode, Ms. Black talks about teaching young adult children intentional money lessons. Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1M in her retirement accounts beyond her pension. Learn more about Ms. Black: Website: http://www.stayingintheblk.com Instagram:@stayingintheblk
In this episode, Ms. Black talks about steps to take in a recession. Although she does not believe in causing financial fear she's received several calls about recession concerns and decided to record an episode. Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1M in her retirement accounts ...
In this episode, Ms. Black reviews Feel Good Finance by Aja Evans. This book has the most impact on Ms. Black current practice. She has even purchased a hard copy of the book. Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1M in her retirement accounts beyond her pension. Learn more about Ms. Bl...
Boycott!

Boycott!

2025-05-1620:45

In this episode, Ms. Black shares why you should be intentional about where you spend your money and she is participating in a boycott. Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1M in her retirement accounts beyond her pension. Learn more about Ms. Black: Website: http://www.stayingi...
In this episode, Ms. Black reviews Money Out Loud: All the Financial Stuff No One Taught Us by Berna Anat. Book reviewed Money Out Loud by Berna Anat Other Books Mentioned Girl, Get Your Money Straight by Glinda Bridgforth Mind Over Money by Brad Klontz Success Runs in Our Race by George Fraser Zero Debt by Lynnette Khalfani-Cox Get Good with Money by Tiffany Aliche Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in...
In this episode, Ms Black discusses the importance of celebrating all financial wins, She shared how to schedule in you celebrations for saving and debt reduction. Celebration Steps Set the goalIdentify check-ins (weekly, monthly, quarterly)Utilize tracker (color-in sheet, spreadsheet, calendar) Identify celebration (words of affirmation, a treat, activity) Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns ...
In this episode Ms. Black updates you on her Runway to Entrepreneurship. Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1M in her retirement accounts beyond her pension. Learn more about Ms. Black: Website: http://www.stayingintheblk.com Instagram:@stayingintheblk
In this episode Ms. Black gives a update on Runway to Retirement. Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1M in her retirement accounts beyond her pension. Learn more about Ms. Black: Website: http://www.stayingintheblk.com Instagram:@stayingintheblk
This episode kicks-off Financial Literacy Month! Ms. Black reviews the 8 Keys for Financial Empowerment Budgeting-tracking your spending allows you to see where your money is going and identify areas where you can save Savings- is the first step in building wealth an Emergency Fund stops you from blowing your budget. You can then various savings buckets (i.e. new car, gifting, maintenance) Debt- deceasing and eliminating debt allows you to save more and put your money to work for ...
In this episode, Ms. Black reviews Happy Mind, Happy Life by Dr. Ragan Chatterjee. This book provides you the research behind happiness and exercises to improve your happiness. Book: Happy Mind, Happy Life: The New Science of Mental Well Being Podcast: Feel Better, Live More with Dr. Rangan Chatterjee Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally deb...
What is Wealth?

What is Wealth?

2025-03-2129:14

In this episode Ms. Black discusses the definition of wealth and the importance of defining it for yourself. She shared a newsletter on Substack How to be Rich by Andrew Lokenauth including the steps he defined in Building Wealth: Define What Wealth Means to You Declutter Your Life Invest in Relationships, Not ThingsCreate Daily Wealth Rituals Learning the Art of Savoring And provides a frameworks for your wealth journey including the R.I.C.H. Life Assessment below: ...
In this episode, Ms. Black reviews the book, Happy Spending: The Science of Happier Spending by Elizabeth Dunn & Michael Norton. Here are the principles: Buy ExperiencesMake It a TreatBuy TimePay now, Consume LaterInvest in Others Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1M ...
In this episode Ms. Black talks about deciding to retire. Her client that discover that they would earn more in retirement than they are making working decided to now! Ms. Black shares how her client made the decision and things you may want to consider when making you decision, beyond finances. Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She lov...
In this episode, Ms. Black speaks about teaching financial literacy to students and provides resources. Next Generation Personal Financer: https://www.ngpf.org/ FDIC Money Smart for Young People: https://www.fdic.gov/consumer-resource-center/money-smart-young-people Pockets Change: https://www.pocketschange.com/ Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-fr...
In this episode Ms. Black share how and why she'd joined the credit points game, the pros, cons, and challenges of the points game. Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1M in her retirement accounts beyond her pension. Learn more about Ms. Black: Website: http://www.stayinginthe...
In this episode, Ms. Black speak about personal finance is personal. She shares how everyone financial journey is unique and the purpose the podcast is to she her journey so that you can learn and hear different perspectives. She encourages you to take what you need from different resources and make them your own. Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from ...
In this episode, Ms. Black share the story of one her clients and their F.E.A.R. of retiring. Once they did the clients retirement math they discovered they would make more money in retirement! F-False E-Evidence A-Appearing R-Real Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $...
In this episode Ms. Black gives a update on Runway to Entrepreneurship. Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1M in her retirement accounts beyond her pension. Learn more about Ms. Black: Website: http://www.stayingintheblk.com Instagram:@stayingintheblk
In this episode Ms. Black gives a update on Runway to Retirement. Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1M in her retirement accounts beyond her pension. Learn more about Ms. Black: Website: http://www.stayingintheblk.com Instagram:@stayingintheblk
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