Black and Brown Make Green

In this episode Natasha poses a question that many people of our generation and younger are having to produce answers to. That question is, "Is owning a home overrated?" We discuss the benefits and drawbacks of owning a home vs. renting a home or apartment and give our opinions on the question at hand. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book your Clarity Session⁠⁠⁠⁠⁠⁠⁠⁠⁠ (a detailed financial review and action plan) Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Sign up for the email list by visiting ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠blackandbrownmakegreen.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blackandbrownmakegreen.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here.⁠

There are over 29 million retirement accounts that have gone unclaimed that total $1.65 trillion in assets according to a U.S News article by Brian O'Connell. Are all of your retirement accounts accounted for? If not, tune in to find out what to do to recover them. Resources - National Registry of Unclaimed Retirement Benefits - U.S. Dept. of Labor Abandoned Plans - Tips for finding an unclaimed retirement benefit ⁠⁠⁠⁠⁠⁠⁠⁠⁠Book your Clarity Session⁠⁠⁠⁠⁠⁠⁠⁠ (a detailed financial review and action plan) Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Sign up for the email list by visiting ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠blackandbrownmakegreen.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blackandbrownmakegreen.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here.⁠

Your tax return just hit your checking account and it's burning a hole in your pocket. Before you spend it, tune in to this episode to find out some things that you may do with it instead of buying that item you've been wanting for months. Your future self may just thank your past self for slowing down and thinking it through! ⁠⁠⁠⁠⁠⁠⁠⁠Book your Clarity Session⁠⁠⁠⁠⁠⁠⁠ (a detailed financial review and action plan) Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Sign up for the email list by visiting ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠blackandbrownmakegreen.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blackandbrownmakegreen.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here.⁠

Debt can make you feel like you're under a pile of bricks when you have it. In this episode, Natasha and Damian discuss ways to save and pay down debt while still finding ways to extract joy and meaning from life. ⁠⁠⁠⁠⁠⁠⁠Book your Clarity Session⁠⁠⁠⁠⁠⁠ (a detailed financial review and action plan) Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠. Sign up for the email list by visiting ⁠⁠⁠⁠⁠⁠⁠⁠⁠blackandbrownmakegreen.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blackandbrownmakegreen.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠⁠⁠⁠⁠⁠⁠⁠⁠here.⁠

In this episode Natasha and Damian discuss the importance of having life insurance, the details of their life insurance policies, and why it's important to start making plans for when death comes a'knocking. ⁠⁠⁠⁠⁠⁠⁠Book your Clarity Session⁠⁠⁠⁠⁠ (a detailed financial review and action plan) Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠. Sign up for the email list by visiting ⁠⁠⁠⁠⁠⁠⁠⁠blackandbrownmakegreen.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠⁠⁠⁠⁠⁠⁠⁠https://blackandbrownmakegreen.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠⁠⁠⁠⁠⁠⁠⁠here.⁠

There are so many decisions that shape your personal finances and that is what makes them personal. In this episode we discuss vehicle insurance. How much coverage should you have? Should you claim an accident on your insurance? Why does this decision differ from other types of insurance? After a deer hit Natasha while driving, she questions whether she should claim the repair on her vehicle insurance and walks you through the decision-making process she uses to determine if she should even fix the damage or not. ⁠⁠⁠⁠⁠⁠Book your Clarity Session⁠⁠⁠⁠ (a detailed financial review and action plan) Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠. Sign up for the email list by visiting ⁠⁠⁠⁠⁠⁠⁠blackandbrownmakegreen.com/subscribe⁠⁠⁠⁠⁠⁠⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠⁠⁠⁠⁠⁠⁠https://blackandbrownmakegreen.com/podcast⁠⁠⁠⁠⁠⁠⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠⁠⁠⁠⁠⁠⁠here.⁠

The decision to pay off debts or not can be very emotional. In this episode we walk you through our decision-making process for paying off debts or holding onto those debts so we can maximize our earnings potential using a few different decision points, and the rationale that went into making the decision around the big question of, "Should I pay off my debt now or not?" ⁠⁠⁠⁠⁠Book your Clarity Session⁠⁠⁠ (a detailed financial review and action plan) Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠. Sign up for the email list by visiting ⁠⁠⁠⁠⁠⁠blackandbrownmakegreen.com/subscribe⁠⁠⁠⁠⁠⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠⁠⁠⁠⁠⁠https://blackandbrownmakegreen.com/podcast⁠⁠⁠⁠⁠⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠⁠⁠⁠⁠⁠here.⁠

In this episode, Natasha and Damian discuss the year-long journey of getting a new job. They discuss the preparation and the process, which includes planning, resume writing, and sharpening skills. ⁠⁠⁠⁠Book your Clarity Session⁠⁠ (a detailed financial review and action plan) Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠. Sign up for the email list by visiting ⁠⁠⁠⁠⁠blackandbrownmakegreen.com/subscribe⁠⁠⁠⁠⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠⁠⁠⁠⁠https://blackandbrownmakegreen.com/podcast⁠⁠⁠⁠⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠⁠⁠⁠⁠here.⁠

Natasha and Damian, the hosts of the Black and Brown Make Green podcast, discuss the pros and cons of relying on Amazon Prime for purchases versus going without it. They share their personal experiences and insights on how to make do without Amazon Prime. Tune in to to learn more about their financial education and tips on how to manage your money with confidence. ⁠⁠⁠Book your Clarity Session⁠ (a detailed financial review and action plan) Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠⁠⁠⁠here⁠⁠⁠⁠. Sign up for the email list by visiting ⁠⁠⁠⁠blackandbrownmakegreen.com/subscribe⁠⁠⁠⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠⁠⁠⁠https://blackandbrownmakegreen.com/podcast⁠⁠⁠⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠⁠⁠⁠here.

In this episode, Natasha and Damian talk about how they are considering a different approach to gift-giving during Christmas time. They discuss the impact of consumerism on the environment and the importance of adopting a needs-based approach to gift-giving. Lastly, they discuss their approach of adopting a family to give to someone in actual need, and the different thought process that surrounds that act. ⁠⁠⁠Book your Clarity Session⁠ (a detailed financial review and action plan) Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠⁠⁠⁠here⁠⁠⁠⁠. Sign up for the email list by visiting ⁠⁠⁠⁠blackandbrownmakegreen.com/subscribe⁠⁠⁠⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠⁠⁠⁠https://blackandbrownmakegreen.com/podcast⁠⁠⁠⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠⁠⁠⁠here.⁠

Where is the hope? Rising prices, stagnant wages, and climbing debt can make life feel hopeless. How can you afford a home with today’s high prices and interest rates? How can you keep up with inflation when salary and wages are not keeping up with inflation? How do you handle the current economic challenges that make things seem hopeless? Hope is a powerful tool that can help us to overcome challenges and to achieve our goals. Even when things are tough, there is always hope. We discuss some real-life tips and strategies to help you find hope and deal with high costs and low wages. We hope that you will keep hope alive, be inspired by this conversation on remaining hopeful, and pick up some useful tips on managing your money too. Need a new bank? ⁠Try out SoFi!⁠ We enjoy the 4.50% APY on their savings account and use SoFi vaults to organize our money. ⁠⁠⁠Book your Financial Review (Clarity Session)⁠⁠⁠ Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠⁠⁠⁠here⁠⁠⁠⁠. Sign up for the email list by visiting ⁠⁠⁠⁠blackandbrownmakegreen.com/subscribe⁠⁠⁠⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠⁠⁠⁠https://blackandbrownmakegreen.com/podcast⁠⁠⁠⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠⁠⁠⁠here.

Getting one month ahead in your finances means that you have enough money in your bank account to cover all of your bills and expenses for the next month before it even starts. This way, you don’t have to worry about living paycheck to paycheck, overdraft fees, late payments, or unexpected emergencies. But how do you get one month ahead in your finances? It may seem impossible, especially if you are facing financial challenges or have a lot of debt. But don’t worry, we have some tips and strategies that can help you achieve this goal. We hope that this episode will inspire you to take action and get one month ahead in your finances. Remember, it is not impossible, it is just a matter of planning, prioritizing, and taking small steps every day. You can do this! Need a new bank? Try out SoFi! We enjoy the 4.50% APY on their savings account and use SoFi vaults to organize our money. ⁠⁠Book your Financial Review (Clarity Session)⁠⁠ Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠⁠⁠here⁠⁠⁠. Sign up for the email list by visiting ⁠⁠⁠blackandbrownmakegreen.com/subscribe⁠⁠⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠⁠⁠https://blackandbrownmakegreen.com/podcast⁠⁠⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠⁠⁠here.⁠

In this episode, we’re going to be honest with you and tell you how we discovered that we were spending way more than we needed on some of the things that we thought were important, but actually were not. We’ll also share with you some of the strategies that we used to cut down our expenses and increase our savings. ⁠⁠Book your Financial Review (Clarity Session)⁠ Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠⁠here⁠⁠. Sign up for the email list by visiting ⁠⁠blackandbrownmakegreen.com/subscribe⁠⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠⁠https://blackandbrownmakegreen.com/podcast⁠⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠⁠here.⁠

Scott and Shaté Hayes are the hosts of The Love Haze podcast. They process out loud what most people experience in silence, and in this episode, they process their thoughts, feelings, and experiences around money out loud with us. ⁠Book your Financial Review (Clarity Session) Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠here⁠. Sign up for the email list by visiting ⁠blackandbrownmakegreen.com/subscribe⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠https://blackandbrownmakegreen.com/podcast⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠here.

Jen Narciso from the ⁠Investor Mama podcast⁠ shared about travel hacking using credit cards rewards points in episode 56. Damian and I keep the conversation going by digging deeper into using credit card rewards. In episode 57, we tackle the question: Are credit card points really worth it? We share our experience using credit card points for travel, cashback, and rewards. We talk about how to know if you're getting the short end of the stick when it comes to using credit card points and the consequences of closing a credit card. We also talk about Damian's journey to reach the perfect credit score. ⁠Book your Financial Review (Clarity Session) Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ⁠here⁠. Sign up for the email list by visiting ⁠blackandbrownmakegreen.com/subscribe⁠ We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at ⁠https://blackandbrownmakegreen.com/podcast⁠ Resources and Related Links Travel Hacking with Jen Narciso Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer ⁠here⁠.

Jen Narciso from the Investor Mama podcast has traveled to Disney, Washington D.C, and Hawaii for free or nearly free, and she shares all the details on how you can too.  Jen shares how she has used different rewards points from credit cards to get free flights, free hotels, free Disney tickets and free breakfasts! Using points for traveling always seemed like work to me, but Jen makes it super easy with her approach. Jen is the host of the Investor Mama podcast. She is a real estate investor, realtor, wife, and mom of 2. Check out her podcast, Investor Mama. Book your Clarity Session Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here. Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at https://blackandbrownmakegreen.com/podcast Resources and Related Links Investor Mama podcast⁠ Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer here.

Natasha and Damian each share 3 things they think everyone should know about their money. Do you know your numbers? How much insurance should you get? Is a 3-6 month emergency fund enough for us? How do you balance making money and taking care of yourself? How do you become the best advocate for yourself in the workplace? How do you work with your partner to make your best money decisions together? What holds people back from talking about money? How can we make more Black and Brown millionaires? Book your Clarity Session Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here. Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at https://blackandbrownmakegreen.com/podcast Resources and Related Links ⁠Financial Literacy Month (April)⁠ ⁠Grow with Jo Workout Channel⁠ ⁠Juice and Toya Workout Channel⁠ ⁠Sex, Race, and Robots - Dr. Ayanna Howard⁠ ⁠Maggie Klokkenga - Make a Money Mindshift Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer here.

People can make a huge impact on your life. Even just one interaction can change your trajectory. This episode is somewhat of a reflection episode where we reflect on the impact we've had on each others' lives, and we discuss how our lives would be different without each other. We discussed career, finances, and risk-taking and how we can utilize relationships for our growth. We discussed stock splits, investing strategies, and more.  Book your Clarity Session Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here. Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at https://blackandbrownmakegreen.com/podcast Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer here.

We hope our kids will get a full ride scholarship if they choose to go to college, but if not, we've got plans. Are you saving for your kids' college? Or do you have other money matters you're trying to figure out? Get help here if you're trying to figure out your own money plans.  Damian and I were fortunate to graduate college debt free, but about 45 million Americans have student loans. We hope to relieve our kids of this burden, which means we've already started saving for them. Listen in to hear why we've chosen a 529 account to save for our kids and hear about 5 other ways that you could save as well. We discuss 6 different ways to save for college, pros and cons of each, and why the 529 trumped them all for us. By the way, if you want to save for your kids (or any other goal), but can't figure out how to make it happen with your budget, book a Clarity Session, and we can help you see where your money is going and find money in your budget to put towards your savings goals. Book your Clarity Session Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here. Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at https://blackandbrownmakegreen.com/podcast Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer here.

Have you ever said, 'I wish I learned that sooner'? If you have kids, then you have the opportunity to help them learn it sooner - learn about money management that is. We were both raised to be money confident adults. We didn't have all the knowledge we needed, but we had enough to quickly propel us up the ranks of financial freedom. No worries if you didn't have the same experience because we're sharing what that looked like for us and how we're helping our kids to become money confident kids. And if you're feeling unconfident yourself, there are tips in here for you as well. Book your Clarity Session Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here. Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up. Listen online to this episode at https://blackandbrownmakegreen.com/podcast Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer here.