Brown Ambition

First and foremost we're paying respects to our girl Cici aka The Six Figure Chick. She passed away last week, and we needed to say a word about someone who's spent so much of their life giving and giving and giving. We love you and we'll miss you.And y'all had some great questions for us this week: My job position is unstable, but I have some money saved. I’ve started my own business, and I have credit card debt. Which is a better use for my savings? I want to get into stocks, is there an app you can recommend for beginners? Learn about this and more, and check out the resources below for everything we talked about this week:my2020census.govmagnifymoney.comRobin Hood (for trading stocks)Vanguard InvestingWhat's a Target Date Fund?E-TradeWhat is Forex Trading?Living Apart TogetherFind out if/when you can vote earlyReach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com

We got a HUGE response to our episode from last week! And since we got into Christina and Amon's channel, we've been diving down the YouTube rabbit hole and we wanted to share some of our favorite channels with you:Our Rich Journey (of course!)Our Rich Journey JuniorMinority MindsetInvesting with RoseHis and Her MoneyWe're interested in hearing your favs too, reach out and let us know who we should be watching!And y'all had great questions this week. We'll be talking about: What are your thoughts on pet insurance? I really don't like my current job, but I'm moving soon. Should I quit and get a new job knowing I'll only be around for a year? And finally, Tiffany is looking for an animator for a new Mali More project! If you are one or know someone who is, please go to https://thebudgetnista.com/contact/, send me a note, and make sure to put "animator" in the subject line.See the links below for more:Get to know Kamala Harrispolicygenius.com - You can shop for pet insurance herehttps://www.valuepenguin.com/insu

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 @brownambitionpodcastLinks:Our Rich JourneyOur Rich Journey JuniorNY Times article about the lack of diversity in the FIRE movement Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee o

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_oWe'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 Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

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 Learn more about your

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 baeeeeeeeAnd 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/#590933b95672US Credit Card Debt is DOWN: https://www.cnbc.com/select/revolving-credit-debt-lowest-since-the-gr

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_XSeUYa0-8Facebook post about home appraisal and racism: https://www.facebook.com/abbbbbbSH/posts/10157315957283671 Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

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.htmlReach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

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/giftcardsftc.gov/complaintAnd this week's insta to follow is @karensgoingwildReach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

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/renamegradyThe NAACP Legal Defense and Educational Fund, Inc. – naacpldf.orgSupport a Black business: Blacklivesmatter.com/shopColor 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*YNlgMgo4D07mNyOtlVctmg2. https://docs.google.com/document/d/1hpub-jkm9cLzJWqZSsETqbE6tZ13Q0UbQz–vQ2avEc/edit?usp=sharing Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnyst

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.talkCheck out these links for more:The NAACP Legal Defense and Educational Fund, Inc. – naacpldf.orgSupport a Black business: Blacklivesmatter.com/shopColor 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*YNlgMgo4D07mNyOtlVctmg2. https://docs.google.com/document/d/1hpub-jkm9cLzJWqZSsETqbE6tZ13Q0UbQz–vQ2avEc/edit?usp=sh

The world is a lot right now. Let's talk about it.Resources:The NAACP Legal Defense and Educational Fund, Inc. - naacpldf.orgSupport a Black business: Blacklivesmatter.com/shopColor 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*YNlgMgo4D07mNyOtlVctmg2. https://docs.google.com/document/d/1hpub-jkm9cLzJWqZSsETqbE6tZ13Q0UbQz--vQ2avEc/edit?usp=sharing Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

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-1843677823More on Central Park Karen: https://www.cnn.com/2020/05/26/us/central-park-video-dog-video-african-american-trnd/index.htmlProducts that qualify for FSA funds: https://fsastore.com/Reach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodc

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 Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

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.htmlErykah Badu vs Jill Scott: https://hypebeast.com/2020/5/jill-scott-erykah-badu-verzuz-battle-recap-streamMore battles on Insta

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 PersonReach out with your questions to brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

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.aspxIRS info about the economic impact payments: https://www.irs.gov/coronavirus-tax-relief-and-economic-impact-paymentsFile 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 @brownambitionp

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-foodbankIRS info about the economic impact payments: https://www.irs.gov/coronavirus-tax-relief-and-economic-impact-paymentsFile 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: 

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 IRSFTC Coronavirus Scams Help Site7 Common Covid-19 Scams Explained Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

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/coronavirusApplication for SBA Disaster Relief Loans: https://covid19relief.sba.gov/#/File for unemployment insurance: https://www.careeronestop.org/Mortgage relief