Staying in the Black: Recent Episodes
Ms. Black
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
In this episode Ms, Black talks about the her car being totaled. She shares the whole process from police report to find a new - new-to-her (used) car.
**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 reviews Tiny Habits by BJ Fogg. after reading Power of a Habit and Atomic Habits I think I found the book that helped me establish new habits or break undesirable habits.
Tiny Habits by BJ Fogg
**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 evaluates the value of her professional and social memberships. Ask yourself the following questions to evaluate your memberships:
- Is the membership necessary/meaning to your life (work/networking)?
- Do you utilized the membership?
- Are you maximizing the benefits of the membership?
- What would happen if you didn't have the memebrship?
**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 share how she's lost thousands of dollars in interest because she did not monitor the interest on her high yield savings account (HSYA). The lesson learned is to not only monitor the balance, deposits, and withdrawals. When comes to HYSAs you must also monitor the interest rate to ensure that you are getting the best rate.
It is important to monitor all financial account: savings, checking, investment, insurance, etc.
**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 NYC episode Ms. Black discusses the raises that principals and managers received and the importance of being intentional about how you allocate your increase income. Consider your options, increase your retirement saving, investments, and/or increase debt repayment among many other things. Be wary of lifestyle creep.
**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 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 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 Kessel
Book 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.com
Instagram:@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 CFP
**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 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.com
Instagram:@stayingintheblk
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.com
Instagram:@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.com
Instagram:@stayingintheblk
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.com
Instagram:@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.com
Instagram:@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.com
Instagram:@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 honey
- Make purchases
**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.com
Instagram:@stayingintheblk
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.com
Instagram:@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.com
Instagram:@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 month
Step 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 number
Example: Monthly spending $7000
$7,000 x 12= $84,000 yearly spending
$84,000 x 25= 2,100,000 financial independence/retirement saving number
**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.com
Instagram:@stayingintheblk
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.com
Instagram:@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 Deserve
**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.com
Instagram:@stayingintheblk
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 Programs
- Dependent Care Assistance Program
- Health Care Flexible Spending Account
Read more about the details of the Flexible Spending Accounts Programurl: https://www.nyc.gov/site/olr/fsa/fsahome.page **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.com
Instagram:@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.com
Instagram:@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.com
Instagram:@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 benefits
URL: https://www.ssa.gov/benefits/retirement/planner/agereduction.html
**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.com
Instagram:@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 50
**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.com
Instagram:@stayingintheblk
Student loan repayments are starting back next month for most borrowers. In this episode we discuss how to pay your student loans and contribute to your retirement. Remember to contact your lenders to adjust the repayment amount if necessary. and investigate various repayment options.
Learn more about identifying your future self in Episode 118
Why should you name your future/retired self?
**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.com
Instagram:@stayingintheblk
31% of investors would be comfortable putting AI' s financial advice into practice without verifying it first, according to CFP Board survey.
These Women Tried to Warn Us About AI : Today the risks of artificial intelligence are clear — but the warning signs have been there all along BY LORENA O'NEIL
**https://www.rollingstone.com/culture/culture-features/women-warnings-ai-danger-risk-before-chatgpt-1234804367/
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.com
Instagram:@stayingintheblk
Steps to end the Paycheck to Paycheck cycle
- Increase your salary ( overtime, side hustle, new job/position)
- Track your spending and create a budget aligned with your financial goals
- Make spending adjustments where you can Pay yourself first (retirement accounts emergency savings)
- Get accountability partners
**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.com
Instagram:@stayingintheblk
Saving comes naturally to some be can be a challenge for others. Saving alone will not make you rich however is the first in step in building wealth and becoming financially independent.
Here are behavioral
- Set savings amount in advance of windfalls (tax returns, raises, monetary gifts)
- Leverage transitions ( birthdays, seasons, new moons)
- Manage your small purchases ( "Small leaks, sink great ships" )
For more on the 30/40/30 Rule listen to Episode 116: What to do with a cash windfall? 30/40/30 Rule
30%- Past (debt and loans)
40% - Present- (current needs and wants Emergency Funds)
30% - Future (large purchases, down payment for homes and cars, and 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 $500,000 in her retirement accounts beyond her pension.
Learn more about Ms. Black:**
Website: http://www.stayingintheblk.com
Instagram:@stayingintheblk
All the tools you need to improve your online safety.https://securityplanner.consumerreports.org/recommendations
1Password Is the Best Password Manager in Consumer Reports' New RatingsWe evaluated 11 services for digital security, privacy, and ease of use
By Yael Grauer (Updated September 28, 2021)
https://www.consumerreports.org/electronics-computers/password-managers/best-password-managers-review-digital-security-privacy-ease-of-use-a7337649384/
- Use strong, unique passwords
- Don’t discount security questions
- Enable multi-factor authentication (MFA) Practice safe browsing
- Beware of phishing, smishing attempts
- Always assume public Wi-Fi is not secure
- Set up automatic software updates
- Install browser security add-ons
- Make the most of your bank’s security features
- Make diligent peer-to-peer payments
- Safeguard your financial records
- Know how your bank might reach you
- Learn more about credit freezes, fraud alerts
- Maintain an emergency contacts list
In this episode Ms. Black shares her entrepreneurial journey with 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.com
Instagram: @stayingintheblk
This episode is a Book Review :It's Not About the Money: A Financial Game Plan for Staying Safe, Sane, and Calm in Any Economy by Brent Kessel
This book provides a framework that helps you identify your money archetypes and action steps that you can take that are aligned to that archetype. The book acknowledges that your prevailing archetypes change and how to address those changes.
I recommend that you start a journal while reading this book so that you process and record the activities suggested.
Resources aligned with the book
https://abacuswealth.com/team/brent-kessel/#
**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.com
Instagram: @stayingintheblk
Compound Interest Calculator
30- Years Investment Results (New Teacher 9/2023 NYC Public Schools 61,070)
S&P 500 30 year average return (10%)
Percent | Monthly |Annual Rate | 30- Year
Invested | contribution |of Return (%)| Total
15 | $763 | 10 |$1.52 million
10 | $509 | 10 | $1 million
5 | $254 | 10 | $505,810
Fixed return (7%)
Percent |Monthly |Annual Rate |30- Year
Invested |contribution |of Return (%) | Total
15 | $763 | 7 | $870,691
10 | $509 | 7 | $580,841
5 | $254 | 7 | $289,850
Fixed return (8.25%)
Percent |Monthly |Annual Rate |30- Year
Invested |contribution |of Return (%) | Total
15 | $763 | 8.25 | $1.27 million
10 | $509 | 8,25 | $729,967
5 | $254 | 8.25 | $364,266
New York City Public School and the United Federation of Teachers have a tentative contract agreement. Learn about the bonuses, percentages, and dates. This episode will help you intentional plan what to do with your 1 year retro, $3000 ratification bonus, and annual bonus.
Contract 2023: Pay Increases
url: https://www.uft.org/your-rights/contracts/contract-2023/contract-2023-pay-increases
For more on the 30/40/30 Rule listen to Episode 116: What to do with a cash windfall? 30/40/30 Rule
30%- Past (debt and loans)
40% - Present- (current needs and wants Emergency Funds)
30% - Future (large purchases, down payment for homes and cars, and 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 $500,000 in her retirement accounts beyond her pension.
Learn more about Ms. Black:**
Website: http://www.stayingintheblk.com
Instagram:@stayingintheblk
Federal Trade Commission Shopping for a Mortgage FAQs
Url: https://consumer.ftc.gov/articles/shopping-mortgage-faqs
The following documents are essential when shopping for a mortgage:
- Bank statements from the last three months show your monthly income and ability to make a down payment and subsequent mortgage payments.
- Pay stubs from your employer demonstrate consistent income sufficient to pay a mortgage.
- Personal identification, such as a driver’s license or passport.
- Your two most recent W-2 forms or tax returns to demonstrate financial stability.
- Investment account statements to give a fuller picture of your financial strength.
- Documents showing your monthly debt payments, such as statements about your auto loan or student loan payments. These are essential for determining your debt-to-income ratio (DTI), a metric lenders use to determine your capacity to take on additional debt.
- A gift letter if a friend or family member is helping you with the mortgage or down payment.
Overspending can happen for different reasons, such as:
- You might spend to make yourself feel better. Some people describe this as feeling like a temporary high.
- If you experience symptoms like mania or hypomania, you might spend more money or make impulsive financial decisions.
- You might have an addiction or dependency which makes you spend money. For example, if you are addicted to gambling.
Here are some tips that might stop you from overspending:
- Tell someone you trust about the warning signs you might be overspending, or signs you’re struggling with your mental health.
- Give your cards to someone you trust or put them somewhere difficult to access.
- Don't save your card details into websites.
- Delete apps where you usually overspend, or apps which encourage you to spend.
- If you get tempted by adverts on social media, limit how much time you spend on it.
- Find ways to delay purchasing. You could tell yourself, "I will buy this tomorrow if I still feel like it then". You could take photographs of the things you want or write them down in a wish list.
- Distract yourself with something else that makes you feel good.
- Consider telling your bank that you have a mental health problem. They may be able to add a note to your file to look out for unusual spending.
- Some people find it helpful to avoid credit cards completely.
Resource:
May is Mental Health awareness month
Questions to ask yourself to recognize spending patterns
- How do you feel when you make a purchase?
- What feelings do you experience when you need to make a big purchase?
- Are there moments in time where you’re more likely to spend money?
- Are there moments in time where you’re less likely to spend money?
- How comfortable do you feel talking about money?
- How often do you check your bank account? How does it make you feel?
- What aspects of coping with money and mental health make things worse? (i.e. opening a bill in the mail, online banking, paying rent every month)
Tips to reduce the impact of financial stress on your mental health
- Make one decision at a time.
- Create (and stick to) a budget/ spending plan
- Monitor your spending.
- Pinpoint your financial stressors.
- Recognize the emotions you feel related to money.
- Implement healthy coping mechanisms into your mental fitness plan.
- Seek the support of a coach.
- Talk to a trained mental health professional.
If you’re living with a mental health condition, feeling symptoms of mental illness for the first time, or maybe you’ve noticed your symptoms are worsening with the impacts of your financial situation; talk to a doctor or trained mental health professional.
Financial
Independence
New Endeavor
The Great Money Reset: Change your work, Change your wealth, Change your life by Jill Schlesinger
- Salary. What is the total salary?
- Leave. What's the vacation and sickness allowance?
- Health Saving Account contributions. What are the premiums? Is dental and ophthalmic cover included? When will you be eligible?
- Stock. What stock options are available? Are stock units given as part of a bonus or do you have to be working at the organization for a certain length of time before you are eligible?
- Tuition reimbursement. Will the employer cover your tuition fees if you decide to enroll in relevant paid educational courses?
- Incentives. Is the incentive scheme based on personal achievements or the company's wider performance?
- Insurance. What insurance plans are offered? How much will they cost 8. Pension. What contributions will the company make?
- Profit sharing. Is there a plan to give employees a share of the company's profits?
- Use of a company car, cellphone or computer. Are these provided? If so, will these expenses be tax refundable?
- Other perks. Are any additional benefits offered, for example, gym membership, daycare, travel costs, sabbaticals, etc
- Savings and Expenses What are the commuting cost? Are there any relocation cost? Are perks covering some cost? Are you losing some perks that you now have to pay for?
- Time The amount of time that your new job will take up (beyond core hours) can be difficult to judge. It might be worth talking to someone who has a similar role in the company to try to understand what workload you may be expected to take on or how much overtime you may have to work.
- Career Path what new skills and experiences will you acquire? Does this job provide professional learning to enhance your skills?
Think/write about your future self through the five senses:
- What will your future self sound like?
- What will your future self look like?
- What will your future self feel like?
- What will your future self taste like?
- What will you future self smell like?
Addtional reflection questions:
- What are you doing?
- Who are you doing it with?
- Where are you living?
- Why are you doing these things and with these people?
Is FaceApp safe: https://www.makeuseof.com/is-faceapp-safe/
In this today's episode Ms. Black shares her first quarter results and learning. Additionally, Ms. Black gives us her actual retirement number for the first time.
**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.com
Instagram:@stayingintheblk
30/40/30 Rule
30%- Past (debt and loans)
40% - Present- (current needs and wants Emergency Funds)
30% - Future (large purchases, down payment for homes and cars, and retirement)
How to keep my money safe?
- Use banks that are FDIC (Federal Deposit Insurance Corporation) insured or Credit unions that are NCUA (National Credit Union Administration) insured. Individual limit of $250k. Married couples $500k for a joint account and $250k for individual accounts (total of $1M)
- Have accounts in more than one bank
- Link bank accounts to outside savings or brokerage accounts you have, so you could deposit money quickly if need be. And watch for monthly inactivity or low-balance fees.
- SIPC (Securities Investor Protection Corporation) may cover up to $500,000 in your brokerage account in the event your broker fails.
- If you have more than cash than the FDIC insures you may consider opening a cash management account, as CMAs often provide FDIC coverage beyond federal limits.
The FDIC offers an Electronic Deposit Insurance Estimator, a tool to know how much of your money is insured per financial institution.
FDIC deposit insurance covers: — Checking accounts — Negotiable Order of Withdrawal (NOW) accounts — Savings accounts — Money Market Deposit Accounts (MMDAs) — Certificates of Deposit (CDs) — Cashier’s checks — Money orders — Other official items issued by an insured bank
FDIC deposit insurance doesn’t cover: — Stock investments — Bond investments — Mutual funds — Life insurance policies — Annuities — Municipal securities — Safe deposit boxes or their contents — U.S. Treasury bills, bonds, or notes — Crypto assets
What's your Bridgerton Personal Finance Name?
- Lord or Lady
- Please where you have moneysaved or invested
- Add "of"
- A financial goal that the money is saved or invested for
Examples:
Lady Shania OnlineBankton of Alaskavacation
Lord Kevin VTSAXton of Retirment
Accumulation - in this phase, you put in the maximum effort in earning. The phase is about accumulation, and that comes with saving and investing.
Saving is only a small part of this phase. You not only have to save money, but also you need to invest the saved amount.
Transition- in this phase, you start to monitor your retirement investment more closely, consider buying annuities, rebalance your portfolio, and move from saving to spending.
Distribution- in this phase, your focus is creating a regular income for yourself, as you won't receive monthly paychecks. You will also ensure you are secured by distributing wealth in various secured financial instruments for the remaining years.
Develop the Required Skills
- Do your homework
- Approach new contacts
- Be visible.
- Follow up consistently.
- Master the art of small talk
- Become a conference commando.
- Expand your social circle.
Convert Connections Into Compatriots
- Create an emotional impact thru’ health, wealth & children
- social arbitrage
- ping people constantly
- anchor tenants
Trade Up and Give Back
• Develop interesting, unique point of view
• Build and broadcast your personal brand
• Reach out to important people
• Continually finding mentors and mentees.
Lead from the Outside: How to Build Your Future and Make Real Change by Stacey Abrams
If your net monthly pay is $5000, here is how you would find your 20/10 numbers:
Multiply your net monthly pay by 10%
$5,000 per month x 0.10= $500
Then your annual pay by 20%
($5,000 per month x 12 months) x 0.20= $12,000
Therefore, your overall consumer debt should not exceed 12,000
and your monthly debt repayment should exceed $500
YearCompass is a free booklet that helps you reflect on the year and plan the next one.
https://yearcompass.com/
Girl, Get Your Money Straight: A Sister's Guide to Healing Your Bank Account and Funding Your Dreams in 7 Simple Steps
Book by Glinda Bridgforth
We All Really Need a Vacation. Here’s How to Make the Most of It. https://hbr.org/2021/05/we-all-really-need-a-vacation-heres-how-to-make-the-most-of-it
In today's episode we will be looking at adjusting Retirement Plans.
Here are a few things to consider when adjusting your retirement plan:
- Reflect on current plan
- What are the potential revisions?
- Determining your WHY?
- Do the math, what financial adjustment do you have to make?
**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.com
Instagram: @stayingintheblk
In today's episode we will be looking at Route 529: A Parent’s Guide to Saving for College and Career Training with 529 Plans by Patricia A. Roberts
**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.com
Instagram: @stayingintheblk
Money Magazine “Money Classic: How I Bonds Went From Not to Hot (1998)” by Money Staff
https://money.com/money-classic-i-bonds/?utm_source=newsletter&utm_medium=email&utm_content=Money%20Classic%2020&utm_campaign=money-classic
Money Magazine “How to Buy I Bonds” by Adam Hardy
https://money.com/how-to-buy-i-bonds/?amp=true
Forbes Magazine “What Are I Bonds?” by Barbara Friedberg https://www.forbes.com/advisor/investing/what-are-i-bonds/
Do you worry about having enough to retire without giving up on teaching?
You have found yourself hoping that your pension will be enough. Or you want to save for retirement but the idea of putting aside just $100 a month just doesn't seem possible. Or you've always meant to start a 403b but just haven't found the time.
Learn the easy steps to retire with more than enough on your own.
At the More than Enough: Teach Toward Retirement Summit we will help you...
More Than Enough ProPack: https://www.richeducators.com/a/2147523229/7mVVTXSi
Workshops
- Roth IRA: Helping Supercharge Teacher Retirement-Yanely Espinal
- 7 Side Hustles to Fund Teacher Retirement- Erica Terry
- How to wisely navigate the 403(b)- Dan Otter
- How To Budget For Retirement On A Low Income Teacher's Salary- Bre Thompson
- Improving our Money Mindsets as Teachers- Israel and Sunem Tovar
- 10 Creative Ways to Get Free or Sponsored Travel WITHOUT Credit Cards- Brittany Roberts
- The Magic of the 457 Account: Freedom Fund, FIRE Accelerant, and More!- Gerry Born
- Playing the long game: real estate as a retirement income stream- Jill Wiley
- Investing Your Way To A Million: How Teachers Can Slowly And Methodically Build Wealth- Rashad Muhammad
- Secret Strategies to Optimize Your Life for Success and Happiness- Rachel Jimenez
- Project DEBT-o-nation: Destroying Debt before you Retire - Todd Christensen
- Hacking Teacher Burnout: 8 Steps to go from Isolated to Empowered and Overcome Any Challenge -Amber Harper
- Interview: How this Teacher is Preparing for an Abundant Retirement -Rich Smith
- Interview: How this Teacher is Preparing for an Abundant Retirement-Ms. Black
- Isn't my pension enough? How to think about your pension in your overall retirement strategy- Shaun Morgan
More Than Enough ProPack: https://www.richeducators.com/a/2147523229/7mVVTXSi
In today's episode we will be looking at some Black Friday Do's and Don'ts.
Do's
- Make a list (check it twice)
- Research
- Check ads
- Price guarantee
- Check camel, camel to check Amazon pricing
- Discount extensions like honey, Rakuten
- Free shipping
- Shop early
- Negotiate
Don’ts
- Impulse buy if it’s not on your list don’t
- Buy without comparing with other sites
- Buy because it on sale
- Go over your budget
**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.com
Instagram: @stayingintheblk
In today's episode we will be looking at how to prepare for our retirement mindset. Ms. Black shares that in preparing for your mindset you should think about the PERMA framework which is considered the 5 building blocks to enable flourishing. These are:
Positive Emotions: Feeling Good
Engagement: Finding Flow
Relationships: Authentic Connections
Meaning: Purposeful Existence
Accomplishment: A Sense of Achievement
**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.com
Instagram: @stayingintheblk
In this today's episode Ms. Black is joined by Shaun Morgan, Rich Educator as they discuss, how to make 8 income streams as a teacher.
Shaun Morgan is a full-time teacher of six years and the founder of RichEducators.com. His mission is to help every teacher unlock their financial superpowers through financial education. When Shaun is done, Rich Educators will no longer be an oxymoron.
Register for the Rich Educators Society Conference "More than Enough: Teach Towards Retirement Summit" at https://www.richeducators.com/a/2147509429/7mVVTXSi
**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.com
Instagram: @stayingintheblk
In this today's episode we will be looking Retirement savings by age. Ms. Black shares that we should aim to save at least 1x your salary by 30, 3x by 40, 6x by 50, 8x by 60, and 10x by 67. Additionally, Ms. Black gives us the fidelity guideline of what we should be aiming to save for 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 $500,000 in her retirement accounts beyond her pension.
Learn more about Ms. Black:**
Website: http://www.stayingintheblk.com
Instagram:@stayingintheblk
In this today's episode we will be looking at how minimalists can save money. Ms. Black discusses how to make money selling possessions, how to make fewer duplicate purchases and how to do more Intentional buying. Additionally, you should focus on your needs over wants, invest in experiences and appreciate what you have.
**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.com
Instagram:@stayingintheblk
In today's episode Ms. Black talks about "Work Optional Retire: Early the Non-Penny-Pinching Way" by Tanja Hester.
**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.com
Instagram:@stayingintheblk
In today's episode, Ms. Black talks about "Quarterly Report: Quarter Three"
**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.com
Instagram:@stayingintheblk
Men and women alike need to take their health seriously. While there are some health concerns that are specific to either gender, there are others that affect both sexes. That's why it's important for both men and women to get an annual health check. During these check-ups, doctors can check for a variety of health concerns, including heart disease, diabetes, and cancer. They can also provide guidance on how to maintain a healthy lifestyle. While there is no guarantee that getting an annual heal.
Brief Background on Host:
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.com
Instagram: @stayingintheblk
Dependent Care Assistance Program (DeCAP) - DeCAP allows City employees to pay for eligible dependent care expenses on a pre-tax basis, with deductions taken directly from paychecks. These deductions reduce an employee's gross income on his/her Form W-2 for federal and Social Security tax purposes.
MSC Health Benefits Buy-Out Waiver Program -The Medical Spending Conversion (MSC) Health Benefits Buy-Out Waiver Program allows eligible employees who can obtain non-City group health benefits to waive their New York City health benefits in return for an annual cash incentive payment.
Health Care Flexible Spending Account - The Health Care Flexible Spending Account (HCFSA) Program is a way to pay for eligible medical expenses (not covered by insurance), dental, vision, and hearing expenses (not covered by the Welfare Fund or Union) with before-tax dollars.
Commuter Benefits - Pre-Tax Limit Increased to $280/Month The IRS has announced that for the tax year 2022, the monthly pre-tax limits for commuter benefits will be increased to $280 per month for both transit and parking.
to learn more about each plan listen to Episode 36 how to maximize flexible spending plans
Brief Background on Host:
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.com
Instagram: @stayingintheblk
Get Smart with Money is a new Netflix series that offers viewers a crash course in personal finance. The show covers a wide range of topics, from saving for retirement to investing in real estate. Each episode features a different guest expert, who shares their insights on a variety of financial topics.
Get Smart with Money is an excellent resource for anyone who wants to learn more about personal finance. The show is well-organized and informative, and it provides viewers with a valuable opportunity to learn from some of the country's top financial minds.
Brief Background on Host:
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.com
Instagram: @stayingintheblk
Get Smart with Money Trailer https://www.youtube.com/watch?v=pJeQAhaRW80
Peter Adeney, Mr. Money Mustache https://www.mrmoneymustache.com/
Tiffany Aliche, The Budgetinsta https://thebudgetnista.com/
Ross MacDonald, Ro$$ Mac https://www.rossmacmusic.com/
Paula Pant, Afford Anything https://affordanything.com/
Basic estate planning is an important part of saving for the future. By taking the time to plan now, you can ensure that your assets will be distributed as you wish when you pass away. Basic estate planning typically includes creating a will, naming beneficiaries for your accounts, and designating a power of attorney. A will is a legal document that stipulates how your assets should be distributed when you die. You can name anyone as a beneficiary, including family members, friends, or charities. A power of attorney is a legal document that gives someone else the authority to make financial decisions on your behalf if you become incapacitated. Basic estate planning can seem daunting, but it's important to take the time to do it right. By taking care of these things now, you can rest assured that your wishes will be carried out later.
Brief Background on Host:
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.com
Instagram: @stayingintheblk
It's college drop-off time, and you might be feeling a mixture of emotions. You're probably excited for your child to start this new chapter in their life, but you might also be feeling sad and overwhelmed. One of the best ways to save money during college is to avoid buying things that you don't need. This can be difficult, especially if your student is living in a dorm room or apartment. Ensure you budget for this so your child can be comfortable.
Brief Background on Host:
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.com
Instagram: @stayingintheblk
One of the biggest expenses for any household is groceries. With a little bit of planning, however, you can save a significant amount of money on groceries each month. One way to save is by taking advantage of sales and discounts. Additionally, by taking the time to plan out meals in advance and using a loyalty card you can avoid impulse buying and make sure that they are only buying the items that they need and save. Finally, coupons can also be a great way to save on groceries. By clipping coupons and using them wisely, teachers can often get groceries at a fraction of the regular price. By following these tips, teachers can easily save money on groceries each month.
Brief Background on Host:
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.com
Instagram: @stayingintheblk
Investing while paying off debt
Utilize the 50/30/20 Budget
50/30/20 budget divides your take-home income into suggested spending in three categories: 50% of net pay for needs, 30% for wants and 20% for savings and debt repayment
For a more aggressive debt payoff budget you may want to use the 50/10/40 Budget dividing your take-home income into suggested spending in three categories: 50% of net pay for needs, 10% for wants and 40% for savings and debt repayment.
Brief Background on Host:
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.com
Instagram: @stayingintheblk
What is the true cost of purchasing a car? Before you start shopping for a new car, it's important to understand the true cost of purchasing a vehicle. The price you see on the sticker is just the starting point - once you factor in things like taxes, fees, interest rates, and loan payments, the final cost can be significantly higher. And that's not even taking into account the ongoing costs of things like insurance, gas, and maintenance. In other words, the true cost of owning a car is much more than just the initial purchase price. So, before you head to the dealership, make sure you do your homework and understand all of the costs involved in owning a vehicle. That way, you can make an informed decision about whether a car is truly right for you.
Brief Background on Host:
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.com
Instagram: @stayingintheblk
This week the Federal Reserve enacted its second consecutive 0.75 percentage point interest rate increase, taking its benchmark rate to a range of 2.25%-2.5%.
Brief Background on Host:
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.com
Instagram: @stayingintheblk
In today's episode, Ms. Black talks about "Do you have a crypto FOMO?"
The Fear of Missing Out, or FOMO, is a very real phenomenon in the world of crypto. With prices fluctuating rapidly and new coins being created all the time, it can be easy to feel like you're missing out on the next big thing. However, it's important to remember that not every coin is going to make you rich overnight. In fact, most cryptocurrencies are highly volatile and can lose large amounts of value in a very short period of time. So, before you invest in crypto, it's important to do your research and make sure you're comfortable with the risks. Otherwise, you could end up losing a lot of money.
Brief Background on Host:
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.com
Instagram: @stayingintheblk
In today's episode, Ms. Black talks about "What is Pet Insurance?"
Insurance is a vital part of our lives, protecting us from the unexpected cost of accidents and illnesses. But did you know that there's such a thing as pet insurance? That's right - just like health insurance for people, pet insurance can help to cover the cost of medical care for your furry friend. And with the rising cost of veterinary care, more and more pet owners are turning to pet insurance to help them manage the cost of their furry family member's health care. So how does it work? Pet insurance works by reimbursing you for a portion of your veterinary bills. Most policies have a deductible that you must pay before the insurance company will start to reimburse you, and there is usually a limit on the amount that the policy will pay out over the course of a year. The average monthly fee for pet insurance is about $30, but this will vary depending on factors such as your pet's species, age, and location. So if you're looking for a way to help manage the cost of your pet's medical care, pet insurance is definitely worth considering!
Brief Background on Host:
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.com
Instagram:@stayingintheblk
In today's episode, Ms. Black talks about "How is inflation impacting your current budget?"
Inflation can be a sneaky thing. It's the gradual increase in the prices of goods and services, which means your money starts to stretch a little thinner over time. While a little inflation is good for the economy, too much inflation can be detrimental. So how does inflation impact your current budget?
If you are like most Americans, you're probably trying to pay off credit card debt and save up for a rainy day. However, as inflation rises, the cost of living also goes up. That means your credit card payments become more expensive, and saving money becomes harder. One way to combat the effects of inflation is to create a budget that includes a "buffer" for rising prices. By planning ahead and setting aside extra money each month, you can help ensure that your budget stays on track - no matter how much inflation rises.
Brief Background on Host:
**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.com
Instagram:@stayingintheblk
In today's episode, Ms. Black talks about "Quarterly Report: Quarter Two"
**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.com
Instagram:@stayingintheblk
5 Negotiation Skills and Strategies
-
Understand the other person's position
-
Keep your emotions in check
-
Talk less, listen more
-
Don't walk away if you get a 'no'
-
Be assertive about what you want, but stay flexible
College applications $450
College visit $ 400
Senior dues $450 (including yearbook, prom, school senior trip)
Prom outfit $800
Graduation/birthday party $550
Graduation luncheon $600
Senior trip $600
Grand total $3,150
estimate
8 Document Your College Student Needs
- Insurance for Your Child’s Belongings
- Durable Power of Attorney
- HIPAA Authorization Form
- The Psychiatric Advanced Directive
- Health Insurance
6. Insurance waiver - Living Will/ Medical Power of Attorney/ Advance Healthcare Directive
- Family Education Rights and Privacy Act (FERPA) Waiver
Bonus
1. Register to vote
2. Medical and Dental Appointments
The victims of the Texas school shooting in Uvalde - Los Angeles Times
https://www.latimes.com/california/story/2022-05-25/victims-of-uvalde-texas-school-shooting
Yes, there were more children killed in school shootings this year than on-duty law enforcement officers killed by gunfirehttps://www.verifythis.com/article/news/verify/crime-verify/more-children-killed-school-shootings-than-law-enforcement-police-killed-gunfire-firearms-2022/536-7eabd5b9-f394-4600-8453-799a804bcc57
- As of May 25 More students have died in school shootings than law enforcement officers in the line of duty in 2022
- On May 24, 19 students and 2 teachers were murdered at Robb Elementary School in Uvalde, Texas
- Teachers
- Eva Mireles, 44
- Irma Garcia
- Students
- Alexandria Aniyah Rubio, 10
- Alithia Ramirez, 10
- Amerie Jo Garza, 10
- Annabell Guadalupe Rodriguez, 10
- Eliahana Cruz Torres, 10
- Eliana “Ellie” Garcia, 9
- Jackie Cazares, 10
- Jailah Nicole Silguero, 10
- Jayce Luevanos, 10
- Jose Flores, 10
- Layla Salazar, 10
- Makenna Lee Elrod, 10
- Maite Rodriguez
- Miranda Mathis, 11
- Nevaeh Bravo
- Rojelio Torres, 10
- Tess Marie Mata
- Uziyah Garcia, 10
- Xavier Lopez, 10
- Husband of Irma Garcia
- Joe Garcia *died of heart attack 2 days later they leave 4 children behind
In today's episode, Ms. Black talks about "What Should You Teach Your Kids About Personal Finance?"
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.com
Instagram:@stayingintheblk
In today's episode, Ms. Black talks about "The 7 Stages Of Financial Freedom"
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.
THE 7 STAGES OF FINANCIAL FREEDOM
1. CLARITY
You figure out where you are financially, and where you want to go.
2. SELF-SUFFICIENCY
You've moved out of mom and dad's and can cover your expenses.
3. BREATHING ROOM
You're saving some money and no longer living paycheck-to-paycheck.
4. STABILITY
You have no 'bad' debt and six months' worth of expenses for emergencies.
5. FLEXIBILITY
You have at least two years of expenses saved. You could take a year off work.
6. FINANCIAL INDEPENDENCE
You can live off the income your investments generate.
7. ABUNDANT WEALTH
Money isn't a concern. You have more than you'll ever need.
Learn more about Ms. Black:
Website: http://www.stayingintheblk.com
Instagram:@stayingintheblk
Want to start to conscious spending ask yourself these specific questions about your financial goals and life desires:
- Where has my money been going?
- What do I love spending money on and why?
- How much do I need for fixed expenses, such as bills and rent?
- How much do I want to invest and save, and why?
- How much do I want to set aside for impulse buys or charges, such as drinks with a friend or a parking ticket?
In today's episode, Ms. Black talks about "The Cost Of My Senior Year In Highschool"
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.
https://nationaltoday.com/financial-literacy-month/amp/
Learn more about Ms. Black:
Website: http://www.stayingintheblk.com
Instagram:@stayingintheblk
In today's episode, Ms. Black talks about "Quarterly Report: Quarter One"
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.
https://nationaltoday.com/financial-literacy-month/amp/
Learn more about Ms. Black:
Website: http://www.stayingintheblk.com
Instagram:@stayingintheblk
In today's episode, Ms. Black talks about "My Experience With Credit Cards"
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.
https://nationaltoday.com/financial-literacy-month/amp/
Learn more about Ms. Black:
Website: http://www.stayingintheblk.com
Instagram:@stayingintheblk
In today's episode, Ms. Black talks about "A Glimpse Into Financial Literacy Month"
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.
https://nationaltoday.com/financial-literacy-month/amp/
Learn more about Ms. Black:
Website: http://www.stayingintheblk.com
Instagram:@stayingintheblk
I**n today's episode, Ms. Black talks about "The Dangers Of Impulse Purchases"
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.com Instagram:@stayingintheblk
I**n today's episode, Ms. Black talks about "How To Monitor Your Financial Behaviors"
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.com Instagram:@stayingintheblk
I**n today's episode, Ms. Black talks about "Today's Economy: What Is Inflation?"
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.com Instagram:@stayingintheblk
Alexis Blair is NYC born and bred. She has raised two children in NYC. She is currently an educational consultant. She has taught on the elementary, middle school and college levels over the course of many years. She is a retired NYC public school administrator.
Email Address: ali7568@aol.com
Learn more about Ms. Black:
Website: http://www.stayingintheblk.com
Instagram: @stayingintheblk
I**n today's episode, Ms. Black talks about "Building Generational Wealth Through Estate Planning"
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.com Instagram:@stayingintheblk
I**n today's episode, Ms. Black talks about "How Does Insurance Help To Build Your 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 $500,000 in her retirement accounts beyond her pension.**
Learn more about Ms. Black:
Website: http://www.stayingintheblk.com Instagram:@stayingintheblk
In today's episode, Ms. Black talks about "How Does Investing Help To Build Your 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 $500,000 in her retirement accounts beyond her pension.
The Bogleheads' Guide to Investing Book by Mel Lindauer, Michael LeBoeuf, and Taylor Larimore
The Simple Path to Wealth: Your road map to financial independence and a rich, free life
By J L Collins
Clever Girl Finance: Learn How Investing Works, Grow Your Money
By Bola Sokunbi
Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required by Kristy Shen
Blog: Millennial Revolution
https://www.millennial-revolution.com
Investing and Options
https://youtube.com/c/TheComeUpSeries
Learn more about Ms. Black:
Website: http://www.stayingintheblk.com
Instagram:@stayingintheblk
I**n today's episode, Ms. Black talks about "Fueling Your Retirement Goals With Multiple Streams Of Income"
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.com Instagram:@stayingintheblk
I**n today's episode, Ms. Black talks about "Does Credit Matter While Building Your 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 $500,000 in her retirement accounts beyond her pension.**
Learn more about Ms. Black:
Website: http://www.stayingintheblk.com Instagram:@stayingintheblk
I**n today's episode, Ms. black talks about "What To Do With Debt Before 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 $500,000 in her retirement accounts beyond her pension.**
Learn more about Ms. Black:
Website: http://www.stayingintheblk.com Instagram:@stayingintheblk
I**n today's episode, Ms. black talks about "How To Save For 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 $500,000 in her retirement accounts beyond her pension.**
Learn more about Ms. Black:
Website: http://www.stayingintheblk.com Instagram:@stayingintheblk
I**n today's episode, Ms. black talks about "How To Budget For 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 $500,000 in her retirement accounts beyond her pension.**
Learn more about Ms. Black:
Website: http://www.stayingintheblk.com Instagram:@stayingintheblk
I**n today's episode, Ms. black talks about "How To Build Your Financial 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 $500,000 in her retirement accounts beyond her pension.**
Learn more about Ms. Black:
Website: http://www.stayingintheblk.com Instagram:@stayingintheblk
I**n today's episode, Ms. black talks about "The Origin Of Staying In The Black"
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.com Instagram:@stayingintheblk
In today's episode, Ms. black talks about "How Gratitude Can Help Your Financial Life”
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.
Gratitude Exercise
Identify 3 things that you feel grateful for and appreciate about your life.
Identify 3 things that you take for granted but are actually very thankful for.
Identify 3 things that you appreciate about yourself.
Identify 3 financial things that you grateful for
Here are 3 money affirmations:
True prosperity is happiness, I am grateful for what I have, I am blessed with everything I need.
I am open to receive wealth in many
I am grateful for everything I receive
I am grateful for all of the abundance in my life.
Learn more about Ms. Black:
Website: http://www.stayingintheblk.com
Instagram:@stayingintheblk
In today's episode, Ms. black talks about "1 Year Anniversary: Year In Review”
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.
Erica Jordan-Thomas
Website:https://www.ericajordanthomas.com
Instagram: e_jordanthomas
Blue Whale Films
Tel: 347-278-4968
Instagram: Bluewhalefilms
Portfolio: https://vimeo.com/user60130344
E-mail: bluewhalefilmsny@gmail.com
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com
Instagram:@stayingintheblk
I**n today's episode, Ms. black talks about "All About Credit Cards"
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.stayingingtheblk.com Instagram:@stayingintheblk
Rosetta Bryson is a highly sought-after financial strategist, an inspiring speaker, a nurturing mentor, and the founder and CEO of Simple Trader Pro, the largest Black-owned financial technology company in America. She delights in decoding what is often experienced as an inaccessible system. Her simple tools show neophyte and seasoned investors alike how to navigate landmines with confidence and ease. As a Black woman standing In stark contrast to the financial landscape, Rosetta is a visionary exemplar diversifying the world of trading. Rosetta received her BS in Political Science from The University of the District of Columbia and graduated with a Master of Divinity from Emory University. While at Emory, Rosetta was elected President of the African American Student Caucus and earned the distinction of being the only African American woman in her class to graduate in the Honors program. On the heels of her graduation in 1995, the Mayor of Washington, DC appointed her Deputy Director of Religious Affairs for the Nation’s Capital. From 1995-1998, Rosetta served as White House Liaison for Religious Affairs for the Clinton Administration. During that time frame, she also worked as Executive Director for the National Day of Prayer and Million Man March. Rosetta is proud to have founded Black Lives Matter South Florida in 2013, and she remains actively involved with the Black Youth Vote and National Black Women’s Roundtable at the National Coalition on Black Civic Participation.
Instagram: @thesimpletraderpro
Linkedin: https://www.linkedin.com/in/rosetta-bryson/
Twitter: https://twitter.com/STPBISHOP
Facebook: @SimpleTraderPro
Website: https://www.simpletraderpro.com/
Email: bishop@simpletraderpro.com
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com
Instagram: @stayingintheblk
I**n today's episode, Ms. black talks about "My Real Estate Investing Journey Pt. 2"
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.stayingingtheblk.com Instagram:@stayingintheblk
I**n today's episode, Ms. black talks about "My Real Estate Investing Journey"
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.stayingingtheblk.com Instagram:@stayingintheblk
Walli Miller is a financial coach and a self-proclaimed money nerd.
She loves spreadsheets and has been known to watch PBS specials
about retirement for fun! It’s exactly this passion for all things money,
including spending it, that put her on the path to her true calling -
helping high-achieving, young professionals become work-optional
by taking control of their finances without sacrificing their lattes and
brunches.
Walli didn’t start out as an expert, she is a first generation college
graduate and daughter of an immigrant. She didn’t always understand
money or building wealth. She didn’t grow up looking at stock charts
with her dad or balancing the checkbook with her mom. They didn’t
talk about money much in her family. It took a Forbes article to make
her reevaluate what she was spending money on and the true cost of
her purchases. After that, Walli began listening to podcasts, reading
personal finance books and ingesting every bit of financial information
she could find. And now she will be work-optional by age 40 and is
committed to putting as many people as possible on that same path
to financial freedom through balanced spending, saving and wealth
building without deprivation.
Website: FinanciallyThriving.com
Instagram: @financially_thriving
Facebook: @financiallythriving
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com
Instagram: @stayingintheblk
I**n today's episode, Ms. black talks about "The Importance Of Money Meetings"
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.stayingingtheblk.com Instagram:@stayingintheblk
Shenea Brown is a NYS Certified School Psychologist working in a School District located in New York State. She was born and raised in New York and is a 1st generation child born to immigrant parents who are from the island of Jamaica. Empowering the lives of children and making them feel safe is at the heart of her work.
Building community is another passion that she decided to step out on faith and create. She believes it is important for our women to have a community where they feel safe, heard and supported. HerCollectively, LLC (created 11-15- 19) was a response to the things she was already doing within her own circle of friends. HerCollectively’s mission is to curate events that bring women of color together; forming bonds that are unbreakable so that they can embrace who they are collectively. She believes, “The world can’t be travelled alone, and that we need each other for survival and growth.” There’s no ME without COMMUNITY.”
In addition, she also has a book club membership component that is a part of Her Collectively, LLC called, the “HerBookClub”. She has been a book club organizer for the past 5 years. She has been featured and appeared on the Nov/Dec issue of the Innovative Minds Media Magazine (IMM) a D.C based publication company in 2020. She was also featured on the Aye Yo SIs Podcast, "Building Her Collectively" in March, 2021.
She has recently teamed up with her friend, Jennifer Small of J. Small Services and owner of the “333 Lounge” located in Brooklyn, NY for a new initiative, “ 333: The Small Business Suite’ (TSBS). The Small Business Suite was born to provide solutions. Three self-driven entrepreneurs teamed up to create a platform on which entrepreneurs, and aspiring entrepreneurs could sit under one roof. The goal is a collaborative business model, where entrepreneurship is highlighted and nurtured. We have carved out a space for everyone with a special focus on Black Owned businesses on Sunday’s. We believe small businesses are a great pathway to self-sufficiency via self-determination.
Website: www.hercollectively.com
Instagram: @Hercollectively
Twitter: @HCollectively
Jenn Small’s Instagram
Jenn Small’s Website
Earn Your Leisure
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com
Instagram: @stayingintheblk
In today's episode, Ms. black talks about "The Tax System and Black Americans”
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.
“In the end, we will remember not the words of our enemies, but the silence of our friends.” - Martin Luther King Jr.
“It’s all right to tell a man to lift himself by his own bootstraps, but it is a cruel jest to say to a bootless man that he ought to lift himself by his own bootstraps.” - Martin Luther King Jr.
https://www.nber.org/digest/sep03/employers-replies-racial-names
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com
Instagram:@stayingintheblk
In today's episode, Ms. black talks about "Getting All You Can From Your Money And Life”
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.
https://www.diewithzerobook.com
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com
Instagram:@stayingintheblk
In today's episode, Ms. black talks about "What To Do When A Financial Crisis Hits"
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.
If you are thinking about retirement and want to run your own numbers, Mutual of Omaha has a very simple calculator on how long your money will last. Visit mutualofomaha.com/advice/calculator/how-long-will-my-money-last.
At CareerOneStop.org, a site sponsored by the Labor Department, you’ll find sections on how to explore various careers, including the “mySkills myFuture” website, where you can find new career options based on the skills and experience you’ve gained from a previous job. You just enter a past skill or job and the system matches you with similar careers. The site includes job listings, typical salary ranges, and education requirements. You can also narrow your search by location.
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com
Instagram:@stayingintheblk
I**n today's episode, Ms. black talks about "What Is An Emergency Fund?"
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.stayingingtheblk.com Instagram:@stayingintheblk
I**n today's episode, Ms. black talks about "How To Maximize On Flexible Spending Plans"
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.**
Flexible Spending Accounts Program
https://www1.nyc.gov/site/olr/fsa/fsahome.page
Commuter Benefits
https://www1.nyc.gov/site/opa/commuters/commuters.page
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com Instagram:@stayingintheblk
I**n today's episode, Ms. black talk's about "How To Set Your Financial Goals "
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.stayingingtheblk.com Instagram:@stayingintheblk
I**n today's episode, Ms. black talk's about "How To Create Your Financial Plan "
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 my retirement accounts beyond her pension.**
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com Instagram:@stayingintheblk
I**n today's episode, Ms. black talk's about "Why Do You Need To Know About Your Net Worth."
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 my retirement accounts beyond her pension.**
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com Instagram:@stayingintheblk
Alicia is a Financial Educator & Coach whose life purpose and commitment are that women (with a focus on women of color) have power (choice, agency, and comfort) in their financial well-being to build wealth for themselves and their families, and their community. Her goal is for women to build their own financial capability-- financial literacy is not enough. She became financially independent in her early 40s.
Her company, Journey to Wealth, helps women of color achieve financial freedom and live the lives of their dreams. If you want a partner in your personal journey to wealth, email her at alicia@j2wealth.com.
Instagram: @journeytowealth_womeninaction Linkedin: linkedin.com/in/alicia-holmes/ Facebook: @alicia.holmes.5602
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com Instagram: @stayingintheblk
**In today's episode, Ms. black talk's about "What You Should Know About Credit".
Ms. Black, the host, of the 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 my retirement accounts beyond her pension.**
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com Instagram:@stayingintheblk
Nikki Harley, MSOD, is an award-winning Organizational Development Practitioner, speaker, consultant, and first-time author. As an organizational change agent with over a decade of practice, in the areas of Organizational Culture, Climate, and Human Performance Development, her focus includes building organizational diversity, equity, and inclusion (DEI) capacity, conflict resolution, climate assessment, on-boarding, training compliance, leadership development, organizational change management, performance and wellbeing coaching. Nikki is passionate about being a catalyst for transformation.Email: ImprintWellness@gmail.com
Website: The Imprint Wellness
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com Instagram:@stayingintheblk
In today's episode, Ms. black talk's about '**What Is A Deferred Compensation/457 Plan?'.
Ms. Black, the host, of the 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 my retirement accounts beyond her pension.**
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com Instagram:@stayingintheblk
Ms. Black, the host, of the 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 my retirement accounts beyond her pension.
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com Instagram:@stayingintheblk
Quality athletic uniforms and apparel with competitive pricing. Limitless designs and color options make the experience magical.
Instagram: @496sports
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com Instagram:@stayingintheblk
Miriam Madison -Balfour is an NYC teacher. She began sewing when she was eight years old, alongside her great-grandmother, a traditional seamstress. Miriam switched from making garments to quilting and other sewing ventures about 16 years ago.
Instagram: @craftingjust4u
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com Instagram:@stayingintheblk
The Frugal Feminista was created from a sacred place of love, advocacy, and joy that stems from intimately understanding the brilliance and beauty of Black women; and knowing the role that money can play in helping them live life on their own terms, especially when they are high-earners.
What sets The Frugal Feminista apart from other personal finance and personal development sites is our approach to helping 6-figure Black women step into their financial confidence, demolish their debt, and set themselves up to achieve financial ease. We approach money healing through: Sisterhood. Support. Sacred Self-Care. Solid Steps and Strategies.
Facebook: thefrugalfeminista
LinkedIn: Kara Stevens
Instagram: @frugalfeminista
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com Instagram:@stayingintheblk
After spending 15 years as a New York City litigator, Jennaydra returned to her financial roots to help individuals, families, and business owners realize their financial dreams. She is passionate about her career as a licensed finance professional because she combines all her talents and abilities to guide others in building a more secure future.
Twitter @jennaydra
Instagram @mrsnewyorkunitedstates2019
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.comIG:@stayingintheblk
Part 2 of my interview with Talana Bradley. Talana has been working in the financial services industry for the past 8 years. She prides herself on helping people reach their financial goals through simplifying complex financial concepts and customizing plans. Her clients often say they sleep better at night after having met with her.
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.comIG:@stayingintheblk
Talana Bradley has been working in the financial services industry for the past 8 years. She prides herself on helping people reach their financial goals through simplifying complex financial concepts and customizing plans. Her clients often say they sleep better at night after having met with her.
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.comIG:@stayingintheblk
Mr. Jacobs is a 6th & 7th grade Social Studies teacher in New York City. He has been teaching for 10yrs and has a BS in psychology, 2 MBA degrees in Management & Finance, and a Masters in Education. He started 3 sides hustles and non-profit while teaching.
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com Instagram:@stayingintheblk
For the past 20 years, Paula Marie has hired and managed thousands on her team; creating programs that require dedicated marketing and strategic mapping that generates revenue. Having gone through all the highs and lows of business ownership and branding firsthand, Paula has been able to ensure her clients are able to eliminate stress and create a greater work ~ life balance. She’s also a Pinterest Expert who guides businesses towards their “Pinterest Pivot”. She does this with an array of products from online courses to Done 4 You Services.
Learn more about Paula Marie:
Website: http://www.ebonybizdiva.com/ Instagram: @ebontbizdiva YouTube: The EbonyBizDiva Clubhouse: ThePinterest room
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com Instagram:@stayingintheblk
LaTonya White is a married, mother, a previous Educator, and School Counselor turned serial entrepreneur. She is the author of her blog: Traveling with #TVmaTheTea and host of her Podcast Show: Traveling with #TVmaTheTea. She received her Masters of Arts in Counseling from Prairie View A&M University and a bachelor's degree from Devry University in Technological Management. She is a native Houstonian, she loves family, reading/writing/ and creating content. She believes no matter where a person comes from, they can still be Great.
**Learn more about Latonya:
Travel Blog: https://tvmathetea.blog/ Travel Website: www.travelingmadeaffordable.com Instagram:*@tvma_the_tea* Facebook:*@TravelingMadeAffordable* Facebook: Travel Group: TVMATheTea**
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.comIG:@stayingintheblk
Aniqua Wilkerson is the artist/designer behind My Kinda Thing; a small handmade business that specializes in creating one-of-a-kind melanin hue dolls.
The creation of these handmade dolls goes beyond the typical doll-making process. My Kinda Thing dolls embody positive imagery, through creating designs in a variation of brown skin tones, hairstyles and hair textures, that realistically depict children of color.
The mission of this unique melanin doll collection is to encourage and promote pride and confidence in children of color; particularly geared towards girls and more specifically black girls, in efforts to combat self-hate.
My Kinda Thing dolls have been used as a teaching tool, created with love and purpose much like the individuals they represent and who in turn will purchase them.
Website: https://mykindathing.wixsite.com/mysite Instagram: @my_kinda_thing
Instagram: @mykindathinguniversity
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.comIG:@stayingintheblk
Ms. Black, the host, of the 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 my retirement accounts beyond her pension.
**In episode 17, Ms. Black shares "Eight Keys To Financial Empowerment PT 2".
Learn more about Ms. Black:**
Website: http://www.stayingingtheblk.comIG:@stayingintheblk
Ms. Black, the host, of the 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 my retirement accounts beyond her pension.
**In episode 16, Ms. Black shares "Eight Keys To Financial Empowerment".
Learn more about Ms. Black:**
Website: http://www.stayingingtheblk.comIG:@stayingintheblk
Janice Saunders is a compassionate mentor to budding professional women. Her mission is to empower young professionals to use great speaking skills to build a life and career where their brilliance is on full display. Armed with a Life Coaching Certificate from New York University, years of award-winning sales performance and the heart of a coach, Janice uses cutting-edge coaching techniques to position her clients for success for the long term. With over 25 years in the professional world, Janice has leveraged the communication and coaching skills she has mastered as a salesperson and coach to create The Confident Speaking Skills System so that budding professionals learn the techniques needed to launch their professional life with confidence. Janice is a Mom, committed partner, author, speaker, and passionate volunteer with the American Foundation for Suicide Prevention.
www.therealjanicesunders.com
Instagram: @therealjanicesaunders
Facebook Group: @dynamicconfidentspeakers
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com IG: @stayingintheblk
LaShawnna Harris is a New York City-based entrepreneur and strategy consultant. Prior to becoming an entrepreneur, she held numerous positions in education from an elementary school teacher, math staff developer to founding assistant principal and principal, principal coach, and independent consultant. Much of her work has been focused on leadership development, improvement strategy, and managing complex change. She is also the Co-founder & CEO of sharEDtalent LLC. At sharEDtalent she leads a team that connects schools with freelancers from across industries to help fill their human capital needs on a gig basis.
www.creativestation.org
Instagram: @creativestationnyc
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com IG: @stayingintheblk
Nicole Danielle is an educator, writer and mother, born and raised in Brooklyn, NY. Her life purpose is to gather communities and share experiences of navigating pain and loss, and how these experiences can transform to love and peace. She is a living testimony that there is beauty in ashes, and all things can come together to have a prosperous life. As a result of her experiences, Nicole Danielle became a self-published author of Broken Ballads, a poetry collection. She currently resides as a homeowner with her daughter in New Jersey.
IG - @nicoledaniellewrites
FB - Nicole Danielle Writes
WordPress - https://nicoledaniellewrites.wordpress.com/about/
Keri Watkins-Webb is a nutritionist, educator, lecturer, author, and lifestyle coach committed to transforming the fatally flawed, American health care system by providing safe and practical solutions to people’s health problems. Keri has been an NYCDOE teacher for 29 years and over the past 15 years, she has encouraged healthy, mindful living and has inspired individuals to take control of their health rather than relying solely on the recommendations of medical doctors.
Website: www.empoweredlivingnyc.com
Instagram: @empoweredlivingnyc
Facebook: @empoweredlivingonlinefitnes
Linkedin: Keri Watkins-Webb
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com IG:@stayingintheblk
Sara Hall is a mother and educator dedicated to empowering others. Through The Raising Legacies Podcast, blog posts, and other creative content, Sara hopes to inspire others to pursue their dreams and reevaluate when their plans no longer align with their values. Everything she does is in hopes of helping her own children always know how much they are loved and how much they are capable of.
Sara’s Notebooks
Dante’s Notebooks
Raising Legacies Podcast
Facebook: @raisinglegaciespodcast
Instagram: @raisinglegaciespodcast
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com IG: @stayingintheblk
Beau MCcoy is an Education and Technology enthusiast. He went to Dartmouth College and worked as a software engineer for many years before discovering his true passion for education. Ever since he has been on a mission to improve the quality and availability of learning for as many people as possible. He was an early employee of GoGuardian, a very successful EdTech company. Now he is the founder and CEO of SOLcademy - the short-format video platform for flipped classrooms. He is an avid traveler and spent 2 years backpacking around the world in his late 30s.
Website: www.solcademy.com
Instagram: @solcademy
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com IG: @stayingintheblk
Beau MCcoy is an Education and Technology enthusiast. He went to Dartmouth College and worked as a software engineer for many years before discovering his true passion for education. Ever since he has been on a mission to improve the quality and availability of learning for as many people as possible. He was an early employee of GoGuardian, a very successful EdTech company. Now he is the founder and CEO of SOLcademy - the short-format video platform for flipped classrooms. He is an avid traveler and spent 2 years backpacking around the world in his late 30s.
www.solcademy.com
@solcademy
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.comIG:@stayingintheblk
Jay Veal is the CEO of INC Education, the #1 AA-owned private tutoring and education company in the Southern US as well as the top online tutoring company for BIPOC in the nation. He is also Founder/CEO of The Jay Veal Brand which is a Dallas-based premier consulting brand that deploys education, business, and credit consulting. He has been a Black Enterprise contributor for education and credit.
He also founded Black Tutors of Social Media, a Dallas, and Atlanta-based ed-tech NPO. During the pandemic, Jay pivoted to see what else he could offer the world outside of the highly decorated tutoring company. He wanted to give black-owned private tutoring companies a platform and public directory to convene and offer services and resources so the public could find them as they support families and students during this time and beyond. In addition to the platform, BTSM aims to close achievement gaps, belief gaps,
and opportunity gaps with 6 nonprofit community programs for all students at large. With the minority family in mind, BTSM was created to be a safe haven where families could find resources that looked and operated like them for their educational and social needs.
He has been featured in major media outlets including Black Enterprise, Forbes,
Entrepreneur, Business Insider, NBC, Dallas Morning News,, Exceptional People Magazine, and more. He is also a Dallas Business Journal 40 under 40 Honoree and an Atlanta Business Journal 40 under 40 Nominee.
He serves on the board of Rae’s Hope and Big Thought.
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com IG:@stayingintheblk
I’m an educator during the day and a general illustrator who freelances. The type of work I do varies from logo design, caricatures, portrait design, and children’s book illustration.
Instagram: @BradFred328 and @PerBizLo **Website: http://bradfred.00server.com/
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com**IG:@stayingintheblk
Aisha Murphy is a Public Relations and Media professional. Blogging, vlogging, copywriting/copy editing, podcasting, and live broadcasting are just a few of Aisha's areas of expertise.
As a freelance consultant, Aisha helped smaller business entities create better content online. Murphy 4 Hire New Media Consulting Services helped small businesses, small nonprofits, and micro-influencers develop and optimize their social media operations through content strategy and social media strategy.
Aisha has helped to launch countless Live video series, IG TV series, Facebook Audio series, Youtube Channels, Podcasts, Vodcasts, Blogs, and Businesses online. She is currently working in public affairs with the government.
Instagram: @heyaesha Facebook: @heyaesha
Podcast: ¡Sis! The Podcast
YouTube: Hey Ayaesha Learn more about Ms. Black:
Website: http://www.stayingingtheblk.comIG:@stayingintheblk
Shannon Denny is a virtual learning coach, educational consultant, dually-certified general education and special education teacher, and first-generation small, minority, woman business owner.
Learn more about Shannon:
Website: www.vivifyeducationalsolutions.com
YouTube: Vivify Educational Solutions
Facebook: @VivifyEducationalSolutions
Instagram: @vivifyeducationalsolutions
Pinterest: www.pinterest.com/vivifyedu
Clubhouse: @vivifyedu
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com
IG:@stayingintheblk
**Khadeejah Smith holds a bachelor of science in Finance from Northeastern University. A Masters of Arts in Teaching Mathematics from the University of the District of Columbia and a Masters of Science in Education Leadership from Columbia University, Teachers College. Khadeejah Smith has been an educator for over ten years in the Metropolitan District of Columbia area.
She began her teaching career in Boston Public Schools as a high school math teacher. Khadeejah's experience expands from high school math, home-school early childhood, middle school math teacher, instructional coach, and principal. She brings a diverse view to education from the public, charter, and private school sectors.**
Learn more about Khadeejah:
Email: edgapclosers@gmail.com
IG @khadeejahSmith
Author: 10 Things Parents Can Do to Prepare Children for Academic Success: Distance Learning Edition
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com IG:@stayingintheblk
Erica Jordan-Thomas (EJT) Teaches educators how to start consulting business. She shared how changing her mindset helped her start a consulting business and teach other educators how to do the same.
Erica is a former high school math teacher, instructional coach, assistant principal and principal. She is currently a full-time doctoral candidate at Harvard Graduate School of Education. She launched her consulting business, EJT Consulting LLC, in 2017. Since launching, she has served over 30 school districts, education non-profits and higher education institutions, and doubled her business revenue each year. Launching her consulting business has allowed her to discover a profitable purpose, serve more students and build a path towards financial freedom. She is on a mission to support other educators in doing the same.
Learn more about Erica:
Website: http://www.ericajordanthomas.com
IG:@e_jordanthomas
Facebook: @EJTConsultingLLC
Twitter:@e_jordanthomas
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com
IG:@stayingintheblk
In this episode, Latoya Stone is a certified spiritual life coach who provides guidance on setting and maintaining a positive M.O.N.E.Y. mindset.
LaToya Stone is the creator and lead coach of Your Hidden Treasure Inc., a company designed to support individuals in manifesting their goals. A native of Queens, New York, LaToya's expertise includes empowerment and motivation. She is a certified spiritual life coach and wellness trainer who has worked with individuals nationwide and in the Caribbean. With an undeniable positive spirit, the dedicated coach has been a shining inspiration on people's life journeys for more than a decade. She is also the author of a new book titled "Life Lessons that Heal the Soul".
M-My
O-Own
N-Natural
E-Energy
Y-Yielding
Learn more about Latoya:
Website: http://ww.yhtcoaching.com
IG:@yhtcoaching
Facebook: https://www.facebook.com/latoya.morgan.184
YouTube:https://www.youtube.com/user/YHTincCoach/videos
Learn more about Ms. Black:
Website: http://www.stayingingtheblk.com
IG:@stayingintheblk
Who is Ms. Black?
Ms. Black, host, of the 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 my retirement accounts beyond her pension.
**In this intro episode she shares how she became a personal finance expert, named the podcast and the information you will learn while listening.
Learn more about Ms. Black:**
Website: http://www.stayingingtheblk.comIG:@stayingintheblk
Staying in the Black a podcast about teachers and their money. Weekly episodes can include book reviews, interviews or discuss ways teachers can maximize their finances. I'll provided teachers with actionable steps to maximize their benefits and improve their personal finances.
For links and resources follow @stayingintheblk on Instagram.