DiscoverStaying in the Black
Staying in the Black
Claim Ownership

Staying in the Black

Author: Ms. Black

Subscribed: 11Played: 251
Share

Description

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
157 Episodes
Reverse
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.comInstagram:@stayingintheblk
In this episode Ms. Black shares her 2023, 4th Quarter retirement account numbers. She shares two books that support her with her retirement mindset. Listen to her book reviews below.   Book Review: It's Not About the Money Brent KesselBook Review: Die with Zero by Bill Perkins 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.comInstagram:@stayingintheblk
Ms. Black wants to know if she can afford to retire early so she consulted with two Certified Financial Planners (CFP). In this episode Ms. Black shares her experiences meeting with 2 CFPs. Find out what they advised her.  If you want to know how Ms. Black prepared to meet with the CFPs list to this episode: Preparing to meet with a CFPMs. 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.comInstagram:@stayingintheblk
In this episode Ms. Black discuss the importance of exploring side hustles and next chapter options. You may be interested in starting a side hustle or have an idea of what you want to do once you retired but have you truly explored the idea? Do you know the pro and cons? Do you know if you'll truly enjoy doing the job?  Many times we fall in love with the idea of a certain job/position/title but don't know what the actually work and responsibilities it entails. In this episode Ms. Black provides you with some guidance and resources to explore your side hustle or next chapter options before you invest. Design Your Life by Burnett & Evans 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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
2023 Highlights

2023 Highlights

2024-01-1018:09

Ms. Black share the podcast highlights for 2023.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 $1 million in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
Happy New Year! In this episode Ms. Black talk about strategies for keeping  your financial resolutions.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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
3 Year Anniversary!

3 Year Anniversary!

2023-12-2918:22

Ms. Black celebrates the 3 year anniversary of the Staying in the Black Podcast! 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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
In the episode Ms. Black discusses why you may want to meet with a Certified Financial Planner (CFP) and  how prepare to  meet with a CFP.Questions to Ask a Certified Financial Planner  Certified Financial Planner Documents Checklist Certified Financial  Planner Search:  https://www.plannersearch.org/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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
There are many sites online where professional appraisers or subject matter experts offer estimates on your items. Simply upload a photo and add descriptions. The site will typically respond within a week with a valuation of the item. However, some items may have more value to you than others may be willing to pay for them. In this episode Ms. Black discusses the value of her 2008 Honda Accord EX-L and the "True Value" of the car to her.When calculating the "True Value" of your items consider the following:Is the item still useable and bringing value to your life?How much would it cost for you to replace the item? 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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
Step for successful gift giving: Set budget  including taxes, shipping and handling  Make a list, check twice Look for sale, promo code, use browsers plug-ins like honeyMake purchasesMs. 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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
OMG, No More Mint App

OMG, No More Mint App

2023-12-0237:25

Intuit is closing the Mint, budgeting app, as January 1, 2024. OMG! Ms. Black shares how you should go about identifying a replacement budgeting app and a list of potential replacements.Ask yourself the following questions: Do I want a free app or can afford to pay for an app?What is my budgeting style (zero-based, envelop system, 50/30/20, spending plan, spreadsheet)?Do I want to connect my financial institutions, upload or manually enter my information?Do I need my financial planner/coach, spouse/partner, child to able to access the app?Would I like to access the budget thorough an app only, desktop only or both?What platform do I use Apple iOs or Google/android? Apps mention the most:  Monarch Money, Empower, Simplfi, YNAB, Rocket Money, Tiller, Fidelity Full View  Here are the articles that informed this episode:Best Mint Alternatives For 2023 (Budgeting Apps To Try)8 Mint Alternatives You Should Know OfMint, the Budgeting App, Is Going Away. Here Are Some Alternatives.Mint is shutting down - here are 10 Mint alternatives we recommend for 20239 Best Mint Alternatives for 2023 (Free & Paid)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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
In this episode Ms. Black reviews Build the Life You Want by Arthur C. Brooks and Oprah Winfrey  Build the Life You Want by Arthur C. Brooks and Oprah Winfrey Take the PANAS quiz mention in the episode  here. 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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
In the episode Ms. Black discusses why is it essential to know your financial numbers. She discuss how four of her clients have been inspired meet their financial goal when learning their actual numbers. Use these numbers to meet whatever goals you set for yourself.  You can earn more, spend less, or a combination of both to meet your goals faster. The choice is up to you. Learn your numbers Step 1: Track your spending for a monthStep 2: Multiply your monthly spending by 12 to learn your yearly spending Step 3: Multiply your yearly spending by 25 to learn your financial independence/ retirement savings numberExample: Monthly spending $7000 $7,000 x 12= $84,000 yearly spending $84,000 x 25= 2,100,000 financial independence/retirement saving numberMs. 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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
Fix Tier 6

Fix Tier 6

2023-11-0326:34

This a New York State/City specific episode. It addresses  New York State/ City Tier VI retirement requirements and how they differ for from Tiers III/ IV.   Learn more about fixing Tier VI at https://fixtier6.org 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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
In this episode Ms. Black reviews It’s Not About the Money: A Proven Path to Building Wealth and Living the Rich Life You Deserve by Scarlett Cochran, JD.  It’s Not About the Money: A Proven Path to Building Wealth and Living the Rich Life You DeserveMs. 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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
Open Enrollment Season

Open Enrollment Season

2023-10-1320:44

It open enrollment time, that time of year where you can change you health insurance and enroll in Flexible Spending Account Programs: Medical Spending Conversion ProgramsDependent Care Assistance ProgramHealth Care Flexible Spending AccountRead more about the details of the Flexible Spending Accounts Programurl: https://www.nyc.gov/site/olr/fsa/fsahome.pageMs. 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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
In this episode Ms. Black discusses her Q3 podcast updates. 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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
In this episode Ms. Black share her Runway to Retirement journey, including her actual retirement account balances for Q3.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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
In this episode  Ms. Black discusses how to withdraw from your retirement accounts and questions you should ask your tax professional. Learn when you can start receiving your Social Security retirement benefitsURL: https://www.ssa.gov/benefits/retirement/planner/agereduction.htmlMs. 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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
in this episode Ms. Black talks about how to leverage a Roth IRA to prepare for retirement at any age.Roth IRA contribution (for 2023 $6,500 annually, or $7,500 if you're age 50 or older)Roth IRA salary caps URL: https://www.irs.gov/retirement-plans/amount-of-roth-ira-contributions-that-you-can-make-for-2023  Compound interest calculator  URL: https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator NYC Public School teachers can contribute in the Roth option of the 457 (Deferred Compensation)  $22,500 under 50 and $30, 000 over 50Ms. 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 $500,000 in her retirement accounts beyond her pension.Learn more about Ms. Black:Website: http://www.stayingintheblk.comInstagram:@stayingintheblk
loading
Comments 
Download from Google Play
Download from App Store