Stacks and the City: Recent Episodes
Ashley Copeland
Stacks and the City is the podcast about getting this money and obtaining financial independence by any means necessary. Host Ashley Copeland is a 20- something living in Washington, DC. She owns and manages two properties and saved an additional $40,000 in assets all without earning a six figure salary. Ashley has all the tips, tricks, and hacks to help you get this money and live the life you deserve.
Hello wonderful people. On today's episode, I delve into how I failed at entrepreneurship three times- and counting. I don't think we hear enough information on how entrepreneuship is difficult, frustrating, and a constant failure. This isn't an episode where I tell you it gets better and to keep going. It's an episode where I tell you honestly how difficult this journey has been. It has cost me thousands of dollars, put my relationship in jeopardy, and has made me feel deflated. Sometimes I don't know if this is meant for me. Nonetheless, I always want to share with you every aspect of this life. Please take a listen and thank you for supporting.
Also, I have listened to your messages and comments. It is great to hear from you and know you are not alone. I feel the same way that many of you feel. You are amazing.
Hello everyone! Today I talk about the job search and why it has been so hard to get a job.
Hello everyone! This is Ashley from Stacks and the City and I want to share with you why I feel like the information that radiates social media on our 30s is 100% a lie: and here's why:
Lie #1: You're so much more confident in the way you look.
NOT TRUE AT ALLLL- especially when you factor having children, weight gain, and this strange new word: collagen. There's even more pressure to market to women based on us "aging". Between that and seeing yourself look slightly different than you did before it's tough!!!
Lie #2: You Career Starts to Thrive
Can I share a secret? I have never had a promotion in my life- EVER. As a result, my career is not as popping as I'd want. Between not pursuring graduate education and (unsuccessfully) pursuing entrprenuership twice, I'm feeling a little defeated.
Lie #3: Meaningful Relationships:
The most interesting part of being in your 30s is the relationships you have continue to shift and (sometimes) erode. Between your friends becoming more insular with their families, and being hard to find new friends, relationships are really difficult to create and maintain.
Are there any things in your 30s that you find interesting? What have you been told about in your 30s?
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Hello everyone. I wanted to let you know about the future of Stacks and the City. I always strive to be real and honest with you. Let me know what you think!
Hello everyone! Today I talk about the different ways to budget and where it comes from. Do you keep a budget? Are you a budget person? Let me know!
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Good morning everyone and happy Monday. I had the pleasure of attending (and participating in!) the wedding of a wonderful friend of mine. It was truly beautiful, romantic, and celebratory. HOWEVER- being a bridesmaid wasn't cheap AT ALL! There were so many things we had to pay for- including dresses, makeup, transportation, last minute what have yous- it's insane! Luckily for you, I have three tips on how to save money in this seemingly money pit of a role. Do we love love and celebrating our loved ones? Absolutely? Do we want to get into debt for other people's life choices? Absolutely not. Take a listen and SUBSCRIBE!
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Today's episode we delve into the strange world of the sale. Why do we sell? How much can I make from the sale of a home? What's the process of the home sale like? I discuss my feelings and what the process is like in this episode and more.
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It's time to stop beating around the bush and share the actual numbers that I made investing in rental properties. Is it worth it? What were the expenses? How much did I keep? What did I spend all of that money on? I will have this answered and so much more in this episode. Please comment and let me know what you think!
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Hello wonderful people! Today's solo episode is going to be all about how to find the perfect real estate agent for you. No raggedy real estate agents in 2023! We want to make sure there's an agent that works for you and your needs. Here are the questions you should consider when looking for agents.
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How many years of experience do you have?
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What types of clients do you mostly work with?
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What is the median income for clients?
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Do you know of any down payment assistance programs in my area?
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What area/zip code/neighborhood do you work in?
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What property have you most recently sold and for how much?
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Do you have any clients you worked with in the last six months I can connect with?
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What resources do you offer first time homebuyers?
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How long does it take for clients to buy their first home? What is your process?
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Why should I work with you?
Hello wonderful people! It's so great to be back chatting with you. We're changing it up a bit from our normally scheduled programming to speak on something that will put a well meaning person financially out- a wedding and bachelorette season. It is high. I have some tips on my own expereince on how to save and prepare for an expensive wedding season. At the end of the day remember- this is NOT your wedding. YOU did not decide to get married or make this big step. Therefore, YOU are not obligated to pay for it.
HOWEVER
It is important to recognize and support your friend/family member in their important time in their life. Be transparent and honest with what you can afford. Support your friend in any way you can. Brides, be clear and let your bride know as soon as possible what costs will be anticipated for the bridal party.
Weddings are expensive for the bride, groom, and everyone involved. Be as prepared as possible and SAVE EARLY!
Stay fabulous.
Helloooooo!!!!!!! It has been months since we've last spoken and I want to come out of hiding and say hello. I am so excited to be behind the mic and share with you what's been going on.
In this eposode we'll discuss...
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Where I've been
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Mental state ans real estate
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Move from DC to Houston
I can't wait to hear more from you! You're amazing!
In this episode rewind, I want to replay my episode on the real estate market with real estate agent Keith James. Find out how he started in his real estate journey, how he amassed multiple properties, and why he's made it a mission to educate and empower his community through home ownership.
Hello everyone and welcome to yet another fantastic episode of Stacks and the City. In this episode I'm going to share with you how to start investing in real estate with no money at all. It is so important to find a strategy that works for you and stick with it. Money can be hard to find, but it's more intuitive than you think. I look forward to hearing from you. Make sure you subscribe and share share share!
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Hello wonderful people! I've decided to throw in the towel and sell the money pit I own. I can't wait to share details and what I've learned. Stay tuned!
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Hello amazing people! I hope you're well. I want to share with you all some tips to get a profitable piece of real estate from the very beginning!
At the end of the day, the most important component to success is doing as much research from the beginning!
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Hello hello hello! In today's episode I continue my epic conversation into the wonderful world of refinancing. We are one step closer to closing on the refinance of my principle property...so exciting! In today's episode I share my experience with refinancing and why it's so easy to spend money when you don't have any. (whew)
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Hello wonderful people! Today I want to share with you my wonderful journey into the world of refinance. I'm taking advantage of the equity in my property to generate more assets. Listen in as I explain the process of refinancing!
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Hello wonderful people! Today's episode I interview Kendra Barnes of The Key Resource. She's been able to retire from her traditional 9-5 job at the age of 32 to focus on whatever she wanted to focus on. It was such a pleasure to hear and speak on her life and how she was able to use real estate in a way that worked for her life. A couple of lessons I want to pay attention to:
MAKE MISTAKES!!!!
DO NOT be afraid to make mistakes when it comes to investing. Mistakes are inevitable but learning from them is paramount. DO NOT BE SCARED!
Work With Someone!
Kendra has the partnership from her husband and as a person who's had most of her real estate endeavors alone, I can't express the importance of finding someone to work with to help mitigate risk and learn with along the way.
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Pre-order her book Acres here!
Hello wonderful and fabulous money makers! Today we're going to delve into the day in the life of a Real Estate investor (ahem, me). We go into detail on what happens on a day-to-day when investing and managing real estate. Acquiring is one thing, but maintaining is a completely different ball game situation. Tune in to hear what I do!
You're amazing and fabulous!!!
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Hello again amazing and wonderful people! Today I'm going to share with you the ONLY thing you need to buy real estate- ok fine, maybe not the only thing. However, this is hands down the most important component to acquiring real estate. That is....CREDIT! How good are you at paying someone back? If you have excellent credit and little to no money or income, acquiring real estate is more possible than you think. Work on improving credit (at LEAST a 650) and there are endless possibilities.
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If you're listening (and reading this!) take ACTION! The first thing you need to do is download Credit Karma and look at your credit score. Go to Experian and look at exactly what you need to do to improve! It doesn't take as long as you think!
https://www.experian.com/
https://www.creditkarma.com/
Hello wonderful people! I first want to thank each and every one of you for sharing, emailing me, and subscribing to the podcast! I’m so grateful. Let’s make this the top money podcast in the podcasting metasphere (is that a word?!). Today’s episode gives you a deep dive on my real estate journey. We’re talking highs, lows, rock bottoms, and come ups. I share how I got started, how I was able to acquire 3 homes, losses, and 🗣🗣🗣PROFIT. I don’t hold anything back. My job is to share with you all everything you need to know to start your own real estate journey without the “so how did you get started” adage. I got you. Later in the episode, I share TANGIBLE TIPS on how you can start your own real estate investing journey TODAY! Want more (of course you do)?! Sign up for my FREE newsletter. https://stacks-and-the-city.ck.page/3080de8ef0
Good morning wonderful and amazing people! Hopefully as you see this, it should be somewhat snowing. This week's episode is all about Stacks and the City's experience with Airbnb. Is it worth it? Are the guests over the top? What should you do if you want to have a successful short term rental unit? I'm going to delve into the down and dirty on all things Airbnb including numbers- yes, dollas ya'll.
As always, please RATE and SHARE this podcast with everyone you love (and pretend to love. It be like that sometimes o_O). Can't get enough of Stacks and the City? I know I can't! Sign up for my newsletter to get a weekly dose of financial know-how: https://stacks-and-the-city.ck.page/3080de8ef0 Have something to say? Show ideas comments and thoughts? Click on the link and share below! Go awf! https://anchor.fm/stacks-and-the-city/message
Hello beautiful wonderful and amazing people!!! There is another amazing episode of Stacks and the City ready and it's all about the money mentality you've created for yourself over the years. Everyone has a relationship with money. Some may be healthy, some may fear it, some want to completely avoid it. Generally, people fall into two categories with money: natural saver or natural spender. Natural savers naturally want to keep their money. Haters like to call them cheapskates, tight on a dollar, and miserly. Natural spenders don't have as much of an emotional connection to money. It's a means to the end for what they really want. Haters like to call them spendthrifts and irresponsible. The money mentality you have has a lot to do with your childhood and life experiences. What were you implicitly taught about money growing up? What has happened in your life that has influenced how you view money? It is PERTINENT to know and understand the WHY behind your money mentality. That's the only way to improve it!
In other news...listen in on what's been going on with my money life, my houses, and how I'm bouncing back from a rough 2021 financially (and spiritually, and physically, and emotionally, and all the other 'lys'
Have something to say? Show ideas comments and thoughts? Click on the link and share below!
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Hey everyone! I know it's been such a long time and I really missed you all. I want to take some time to share with you all what's been going on in my life and the future of Stacks and the City. I've had a truly tough second half of 2021 and have doubted myself and my abilities. Tune in to listen to what's gone on, lessons I've learned and what's next for Stacks and the City.
Hello wonderful, amazing, and great people. Today we're talking to the fantastic Teri Ijeoma of Trade and Travel, an online program dedicated to teaching people how to not only invest in the stock market, but to generate profit from it INSTANTLY. Her story is truly one of that so many of us can relate to. She started as a hard-working yet unfulfilled educator who soon learned how to maneuver the stock market in ways that the big dawgs do- we're talking Goldman Sachs, Jay-Z types, and the ubiquitous "hedge fund".
In this episode you'll learn...
- How to make money in the stock market INSTANTLY.
- The turning point that make Teri want to transition from education to full time market investing.
- How Teri retired the 9-5 life and spends her time traveling to Miami, Mexico, Israel and more on the stock market's dime (casually).
Teri's Trade and Travel program is currently the best-selling program on Teachable. Get more information here. I absolutely plan to take this program myself! Can't wait to see ya'll!
Follow Teri right here.
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Become a wealth-builder and get on the list to get exclusive information on any and everything investing.
Ya'll are amazing and fabulous and wonderful and great. Make sure you rate, comment and let me know what you want to hear!
Today’s podcast guest is angel investor, corporate boss, and author of Myth of the Nice Girl Fran Hauser. I had the absolute pleasure of speaking to her about ways women can assert themselves while still keeping their kindness intact. You all, I felt so giddy and nervous reaching out to such an amazing woman. I first emailed her in February to request an opportunity to interview her. After months of back and forth emailing, I finally had the chance to speak with her in October. Consistency is key, ya’ll! It was so amazing and insightful and I felt so warm.
In this interview you’ll learn:
✅ TANGIBLE tips how to be yourself in the workplace.
✅ The question of if you can be nice and assertive in your career.
✅ How to be a self-made success story.
It was an absolute honor to interview such an amazing, strong, fierce, and nice person. She’ll give you everything you need to be a boss woman.
There will be a GIVEAWAY on her book Myth of the Nice Girl. Subscribe and rate my podcast to enter the drawing!
Enjoy the show!
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@stacksnthecity
Today's episode talks about the ways we can build wealth NOW. Money starts as a mentality. The way you approach your money will determine the wealth you accumulate over time. Stacks and the City aims to teach people ways to build wealth in a variety of ways:
- Credit Repair
- Budgeting and Planning
- Homeownership
- Stock Market Investing
Interested in seeing how Stacks and the City can be of service to you?
Book a consult here.- It's FREE
Stacks and the City is also looking for the next generation of students to enroll in the Dollars to Dividends masterclass. In this four-week program, you will have access to:
- Four weeks of detailed virtual instruction.
- 24/7 access to a private Facebook group
- LIVE training sessions
- Bonus content with step-by-step guide to investing in the stock market.
Have questions?
Book a consult here.- It's FREE
Are you thinking about elevating your homeownership goals to becoming an investor? Are you ready to purchase a home for the sole purpose of making money from renters? That’s exactly what my Kendra Barnes decided to do. In 2014, she and her husband decided to quit the rat race and purchase their first investment property in Washington DC. A few short years later, they have amassed multiple homes and are heavy proponents of using real estate to build wealth. Kendra then started The Key Resource, a platform aimed to get you to do the same! In this episode you will find:
✅The controversial way Kendra and her husband paid for their first property.
✅The money-saving and game changing concept of house hacking.
✅Steps you can take today to get on a path to real estate investing.
As always, make sure you rate and share this episode. I look forward to hearing your responses!
Resources Cited From Kendra:
Cashflow Game
Robert Kiyosaki Controversy Information
First-Time Homeowner
NACA.org
The Maryland Smart Buy Program Information
Interested in Learning More About the Key Resource?:
Follow her @thekeyresource
Connect with Kendra Here
Today’s podcast episode is a rewind from an episode I had with Naima Barnes, Financial Planner and Financial Literacy expert for Capital Asset Management Group. I wanted to round off Stock Market September with talking about exactly how the stock market works if you have little to no understanding of it. Naima does an excellent job of describing how the stock market works, what it does, and how we can benefit from it. I learned so much from this episode and truly think you all will too. In this episode we will learn:
🏦Exactly what is the stock market and how it works.
🏦The Rule of 72 (the metric used to show the amount of years needed to double your money).
🏦Other common stock market terms that are important to know.
You all, though we may be rounding up Stock Market September on Stacks and the City, we are just gearing up to learn more about the stock market. My goal is to have you all not only confidently explain the stock market, but to actively get into it. The best time is TODAY. Don’t wait the market is down blah blah blah- you’ll have PLENTY of opportunities to take advantage of a down market ONCE YOU START TO INVEST IN THE FIRST PLACE.
If you haven’t done so already, be sure to sign up for my FREE stock market course and get ready! We have a HUGE stock market masterclass coming up soon!
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@stacksnthecity
Music:
www.bensound.com
Ya’ll- I made a declaration. I want the Chanel Classic Flap. I want it ya’ll. However, the continued price increase on an already extremely pricey bag continues to make it really hard for a natural saver like me to make the splurge. Nonetheless, I continue to read that this beautiful precious bag is not only pricey, but a really great investment. The bag has an excellent resale value. Who knew? In today’s episode, we’re talking all about how Chanel and the S&P 500 on the stock market have more in common than what meets the eye. In this episode you will find:
✅ The man who gets money from our luxury purchases
✅ Why Chanel bags stay sky high
✅ Why I say buy that bag (but of course I’m biased)!
As always be sure to rate, comment, and share the episode. I can’t wait to hear from you all!
Resources Cited:
https://www.forbes.com/companies/chanel/#224516d51ca2
https://baghunter.com/blogs/insights/chanel-flap-bag-price-styles-sizes#:~:text=First%20of%20all%2C%20the%20Classic,mademoiselle%20metal%20chain%20and%20closure.
https://www.google.com/search?q=chanel+classic+flap+price+history&sxsrf=ALeKk00xzwZfjbwKuZsGGB2C7wNSO_ammw:1600055948067&tbm=isch&source=iu&ictx=1&fir=m2_U4nNPK_EWMM%252CCg03Kvig0L0UOM%252C_&vet=1&usg=AI4_-kQp7CTDPm3CnmC7Lh9VAdONnS9Y2Q&sa=X&ved=2ahUKEwjR1Z7z4OfrAhWnlXIEHX-MAYMQ9QF6BAgKEB4&biw=1440&bih=669
https://www.wealthsimple.com/en-us/learn/average-stock-market-return#stock_market_return_historically
Music: bensound.com
Follow Me: @stacksnthecity
I’m aggravated! Well, not exactly. This week’s episode of Stacks and the City, I’m going over all the myths, misconceptions, lies, and pet peeves regarding what I’ve heard regarding the stock market. There’s a lot of information about the stock market out there and I want to clear the air. The following are some of my 6 issues I hear when people share their trepidation when investing in the stock market:
The Stock Market is a Gamble
It can be if you don’t know too much about it. The more knowledge you have on how the stock market works, the better you’ll be at reading which stocks are more profitable than others. Knowledge truly is power!
The Stock Market is Too Complicated
Actually, it can be complicated. However, don’t make it more complicated than it has to be! You can invest online index funds or hire someone else to manage your money for you. Don’t be a mechanic- be a person who just got her license!
I’m Going to Lose All My Money
NO YOU’RE NOT. Ya’ll, as long as you do the basics in the stock market. You will not lose money. The longer you hold your shares, the money money you’ll make. The stock market is a time game. Don’t fear the stock market because of losing. Most people are winning!
I Get All of My Knowledge from CNBC/any News Cycle
The majority of your information on the stock market should not come from 24 hour business news cycles. Do some research on your own. Numbers do not lie! Google ‘stocks to invest in’ and ‘index funds to look into’. Remember, many of these outlets are meant to entertain. Do the research on your own!
I’m Only Interested in Investing in Stock Market Trends
Apple and Tesla aren’t the only stocks worth trading in. Bitcoin, cryptocurrency, and forex aren’t the only places to make money in the stock market. Don’t be on the trends. Find stocks that no one is talking about.
I Don’t Have Any Investments
If you participate in your job’s retirement plan (401(k), TSP), you are already invested in the stock market. You simply have someone manage the money for you. This is the basic and easiest way to participate in the stock market.
As always, make sure you share and let me know your thoughts. Be sure to share, and rate the show.
Music: bensound.com
Follow Me: @stacksnthecity
Website: www.stacksandthecity.co
How much of your history do you know? Today’s guest really made me question the history I was taught throughout my education (and I’m a history major). During my time at Duke University, I took a myriad of classes focusing on the progressive era of the United States. This is during the turn of the 20th century through the 1920s. An aspect of this history I find so interesting is Negro history during the time. There seemed to be an abundance of African-American commerce and business. A huge example of this is the Harlem Renaissance.
Harlem wasn’t the only pocket of African-American prosperity during the height of Jim Crow America. In fact, many would argue it’s not even the wealthiest. Tulsa, Oklahoma is arguably the center of black commerce at the turn of the last century. Over thirty-six square blocks showcased black wealth through its myriad of black owned barbershops, theaters, restaurants, and dry cleaners. Black people donned the latest fashions of the time and driving seemingly newfangled contraptions such as a car. The wealth exuded in Tulsa earned the nickname Black Wall Street.
However, on June 1st, 1921, racial tension peaked as whites set ablaze the entire district, causing death, and total destruction, and trauma lasting for generations. This single event is the largest race massacre in our history.
Mechelle Brown of the Greenwood Cultural Center in Tula and the ultimate Black Wall Street expert guides us on telling this story of African-American prosperity and wealth during a peak of oppression. In this interview I want to you to pay attention to:
✅The emotion and pride of African-Americans during this period.
✅How and why black people migrated to Tulsa at the end of the Civil War.
✅The importance of perseverance and grit in achieving your goals.
I am so grateful to have Mechelle on the podcast. I learned so much and I know you will too.
Check out the Greenwood Cultural Center Here.
Ready to Start Investing in the Stock Market? Learn to invest with this FREE investing course here.
In today’s episode, we feature the owner of Askew Funeral Home, Mike Askew. Not only did he open his funeral home to help our family transition my grandmother to the afterlife, but I was impressed with his professionalism and knowledge. I am so excited to share with you all some of the lessons I’ve learned through my grandmother’s passing and to help you all get through a difficult time. Here are some of the major takeaways I want you to get from my guest:
✅ Plan Your Funeral:
It is extremely important to make sure that your loved one has a money saved to pay for any home going expenses. Mike speaks on starting a trust, which you can start at a funeral home or at the place you bank with. He also speaks on life insurance, which is basically a policyholder paying insurance to help pay for funeral expenses and anything else to relieve the financial burden of the family when they pass. Mike recommends a $50,000 policy for the average American.
✅ Pick a Person
Mike also speaks on having a designated person to handle all of a deceased person’s finances and any other aspect of their estate. This makes the transition process so much easier. This person will be in charge of paying the deceased person’s bills, calling companies, and settling any money matters.
✅ Everybody Gets a Will
Mike emphasizes that everyone get a will. A will is the only voice of a deceased person telling their family how to settle their financial matters. Even if your loved one doesn’t have a house or money or seemingly any possessions to pass on, a will removes any red tape on accessibility. It removes any headaches!
I want to thank Mike Askew again for his time and expertise. You all, unfortunately, the passing of a loved one does end at the funeral. There are so many other factors you have to settle. Make sure that your family plans as much as possible so you can spend more time grieving and celebrating your loved one’s life.
Get information on Askew Funeral Home Here.
Interested in Investing in the stock market? I have a stock market definitions cheat sheet here.
Music:
bensound.com
Contact Ashley:@stacksnthecity
Hello my wonderful and amazing people. The recent news of Tesla and Apple's stock pending stock split (and more importantly inquiry from one of you!) inspired the podcast for today. Today's episode talks all about stock splits and why it matters to us.
In this episode you will find out:
✅ What is a stock split?
✅ Why is it relevant and beneficial for us?
✅ Should we invest in Apple and Tesla?
Make sure you share, rate, and comment on this episode! I cannot wait to hear from you all soon.
Ready to start investing but don't know where to start? Download my Investing 101 Ebook.
Need to know the basics of the stock market? Listen to this podcast episode on investing in the stock market.
Follow Me:
@stacksnthecity
Music:
www.bensound.com
Hello everyone! Today's episode focuses on the inception of the Wealth Gap in the black community in America. I had the pleasure of interviewing advocate of reparations and economist Dr. Sandy Darity of Duke University. In our conversation we discussed:
- Exactly how the Wealth Gap started
- A single event in history that arguably would have prevented the Wealth Gap from even occurring
- The importance of housing in closing the Wealth Gap
Grab a copy of his new book From Here to Equality here.
In other news, Smart Savvy Spenders masterclass is HERE! Get group training on what it takes to easily save, effectively spend and accomplish your money goals. Use the code GETWEALTHY to receive 50% off! I can't wait to meet you! Sign Up Here.
Get in Touch:
@stacksnthecity
Episode 78: The Wealth Gap and Who Get Reparations with Dr. Sandy Darity
Hello lovely people! We're back with another throwback episode for the week. In HOT anticipation for my Smart Savvy Spendersmasterclass, I wanted to revisit the concept of money mindset when approaching your finances. Money isn't about charts and excel summations- it's about your emotional attachment to it. How do you view money? Is it a tool or crutch? I delve into this concept in today's rewind series. Keep your money mindset in your head as you continue to approach your money. I can't wait to hear from you!
Hello everyone. In honor of my Smart Savvy Spenders course I wanted to highlight an episode that revolves a LOT around saving smart and paying off debt. This week’s episode of Stacks and the City I had the pleasure of meeting Candice Latham, a financial coach and graphics designer based in Charlotte, NC. There were some phenomenal points on our conversation but here are some of the highlights:
Candice paid off over $35,000 in debt while earning less than $50,000 annually. She emphasizes:
- The importance of getting a side job to expedite paying off debt
- Joining groups to help collectively pay off debt
- Reading to clarify and learn money saving tactics
What is a Net Worth?
Net Worth is categorized by how much money you have total. It shows the value of what you own subtracted by the amount of money you owe to others. It essentially serves as a overall dollar amount of everything owned. Net worth is calculated by:
Assets (the value of everything you own)
— Liabilities (the value of everything you owe
The more you own and the less you owe means the higher your net worth.
Candice also discusses the question of if it’s possible to invest in the stock market while aggressively paying off debt. She believes that you absolutely can as long as you focus more of your attention on debt removal first. She also recommends contributing to your 401(k) as much as possible
Resources Discussed:
Think and Grow RichNapoleon Hill
Millionaire By 30Douglas R. Andrew
Emron D. Andrew
Aaron R. Andrew
Get Candice’s Free Net Worth Tracker Here:
https://candicelatham.com/net-worth-tracker/
Keep In Touch:
@stacksnthecity
@everything_candicelatham
Music:
www.bensound.com
Hello again everybody! Today I'm going to talk about the 5 steps to craft a perfect stock portfolio. The goal is to have a well rounded and PROFITABLE portfolio. It's not hard! Don't overthink it ya'll!
Also, make sure you RATEand COMMENT on the show! My goal is to have as many people listening and learning FREEways to build wealth. Stay amazing and fabulous.
How to Create a Profitable Investment Portfolio:
Step 1: Find Your Investment Platform
Step 2: Figure Out What to Invest In
Step 3: Pick Your Stocks
Step 4: How Many Shares Should I Buy
Step 5: Choose Your Investing Strategy
How to Invest in the Stock Market
Ready to Start Investing in the Stock Market? Don't Know Where to Start? Get my step by step guide here.
Music:
www.bensound.com
Follow Me: @stacksnthecity
Over the past few weeks, nonstop protests fueled by the murder of George Floyd of a police officer envelope the nation and world.. Slews of social media posts, company statements and organization apologies pepper our TVs and phones. However, a big and relevant question that hang over heads of minority consumers is this: so what?
Today’s episode of Stacks and the City features Dan Simons, CEO of VSAG and co-owner of Farmers Restaurant Group. Farmers Restaurant Group has restaurants such as Farmers Fishers Bakers and Founding Farmers and has been consistently ranked as the top booked restaurant on OpenTable. Not only have I had the pleasure of working under Dan but I had a wonderful conversation on his perspective on if the ethos of a company matters when doing business. Can we still ethically support a business if their views, politics, and messaging doesn’t align with ours? My conversation with Dan honed on these three major points:
- Hold Businesses Accountable With Your Dollar
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- If a company has something to say in regards to the Black Lives Matter movement, how should we respond?
- Conscientious Capitalism
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- Is this term a paradox? Find out what Dan thinks
- Invest in the People
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- Instead of using money to be at the mercy of investors and shareholders, Dan believes that the more you invest in the people and employees, the more profit your business will turn in the long run.
What do you think about the episode? Do you agree? Can I go to Chick-Fil-A knowing that they’ve donated to Donald Trump’s campaign and explicitly express anti LQBTQIA+ views but they hire liberal and queer employees who consistently remain pleasant and give me as much BBQ sauce as possible? Can we now go to NASCAR events? Is racism finally over???!!!!! Share with me in the comments!
Music:
www.bensound.com
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@stacksnthecity
Hello everyone! I really wanted to delve into the connection between the stock market and our fears. It took me three years to build the courage to make my first investment in the stock market- and I was still petrified. What if I lose all my hard earned money?! I didn’t understand that there are metrics used to determine whether or not the market would be valuable for me in the long term. I never saw anyone discuss the market- let alone have money saved for anything but necessities. Anything I read discussed the Great Depression, Eron, and the Great Recession. It felt elusive, dark and confusing.
I discuss these feelings and more with Kevin Matthews II of Building Bread. Kevin uses his knowledge to teach the basics of stock market investing to those who didn’t grow up with access to the market. He teaches classes everyday on his Instagram account @buildingbread. One of the biggest takeaways from the conversation wit h him is that emotions don’t do math! If the chart squiggles up over time, that means the stock will continue to squiggle up once you get your money in the game. The stock market can still be scary and confusing, but it’s important to start investing despite your fears. I really do believe the silent majority is making plenty money from investing and isn’t commenting simply because the stock market is doing what it’s supposed to do- make them easy money.
In this podcast episode find out:
- Why you can’t be cheap when investing in the stock market
- Why you can’t look for the next Amazons and Apples to invest in
- Why dry stocks can generate the most coin
- Why you don’t need to be an expert to invest in the stock market
- Why consistency is key
Easy Ways to Invest:
- Put your money in your company’s 401(k)
- Purchasing fractional shares (Index Funds)
Thank you so much Kevin for the opportunity to speak with you!
For more information, visit his website at:
https://www.buildingbread.com/
Follow Kevin at:@buildingbread
Follow Me (Ya’ll are fabulous)@stacksnthecity
My Ebook on the absolute beginner’s guide to investing is right here:
https://www.stacksandthecity.co/cart-page?appSectionParams=%7B%22origin%22%3A%22cart-popup%22%7D
Are you really ready to be a homeowner? Are you overwhelmed with details and information? Whew, I feel you. Today’s episode features Real Estate extraordinaire Keith James who answers every question you have had if you’re interested in investing in Real Estate as a first time homebuyer. Keith is a Real Estate agent and managing partner of the Coalition Properties Group in Washington, DC. Keith divides his expertise into three sections: getting started as an investor, getting started as a first time homebuyer, and how today’s current events (i.e. the current pandemic and the outpour of protests regarding the murder of George Floyd) affect the state of the market. Many thanks to Keith for his insight and assistance!
Three Key Takeaways From Each Section of the Conversation:
Buying a Home as an Investor:
- You don’t necessarily need to a perfect credit score to purchase your first property
- Get a mentor! They are extremely important when getting the support and resources needed for reaching your goal
Buying a Home as a First-Time Homeowner:
- Take advantage of first-time homeowner programs. You don’t need to put all your money down for a property!
- Know what to ask when looking for a real estate agent
Current Situation:
- Do everything you can to build wealth for your community
- Investing in DC if you can; however, there are many areas outside of DC that are worth investing in as well!
Many many thanks to Keith for your AMAZING insight! As always, let me know what you think and I look forward to seeing more keys in hands in 2020! Stay amazing!
Music:
www.bensound.com
Keith James Information
@keithjamesrealtor
keith@coalitionpg.com
https://www.coalitionpg.com/
Hello everyone. Today’s podcast features yours truly as I work to synthesize why there are been countless deaths from police officers yet little to no change to really reform the system of use of excessive force. I took the time to listen to conservative thought leaders, read media from both sides, and listened to podcasts featuring both sides of the “argument” and came to this conclusion:
There is an inherent difference between the way our country perceives its justice system and structure of the United States. It all boils down to trust vs distrust of justice In our government
Conservatives don’t see the why behind our [valid] arguments because they generally don’t inherently see the structure of our government as deeply flawed.
How did I come to this conclusion?
- The Presence of Unions Which Protect Both Good and Bad Cops
-
- The power of the local government when discussing law
- Trust vs. Mistrust in the Intention of Law Enforcement
- Invisibility of Racism
This isn’t an attack toward conservatives, police officers, or even our country- but it is an important and necessary critique. I wanted to better understand the conservative opinion so I can better craft the argument for reform in our justice system and how African-American men are constant targets for our prison systems and use of excessive force.
Stay Amazing, Ya'll.
Ashley Copeland
Follow Me:
@stacksnthecity
Music:
www.bensound.com
https://newrepublic.com/article/157918/no-cop-unions
https://www.unionplus.org/page/what-union
https://iupa.org/
https://smartasset.com/career/the-pros-and-cons-of-unions
https://www.policeone.com/legal/articles/what-police-unions-do-and-why-it-matters-Dl1MptG2fXOZZAmH/
https://www.amazon.com/The-New-Jim-Crow-audiobook/dp/B007R0L47O/ref=sr_1_1?crid=17Y44EGZS574H&dchild=1&keywords=the+new+jim+crow&qid=1591353179&sprefix=the+new+%2Caps%2C139&sr=8-1
Many times, wealth building can be overwhelming and confusing at times but it doesn’t have to be! Today’s CEO Spotlight features a young woman who extensively invests in the stock market and owns four properties across the United States. She explains her methods for obtaining homeownership and describes some stocks we should consider investing in. When listening to the podcast, I want you all to pay attention to these key points:
- Know the importance of location
- Learning how to use your first home to save money and purchase additional homes
- Learn the power of using your willpower and knowledge to build wealth
As always, thank you for tuning in! Because of you all, Stacks and the City has had the most downloads since its inception! I’m so grateful for your support, insight, and greatness. Let’s get to the money and create a life for ourselves that we deserve. Stay amazing and quarantined!
Keep in Touch:
@stacksnthecity
Music:www.bensound.com
Today’s CEO Spotlight features real estate developer and candidate for DC Council-at-Large Marcus Goodwin. Marcus is a native of DC who delves into his journey from starting with his humble beginnings to graduating from the University of Pennsylvania to becoming a candidate for DC council-at-large. Stacks and the City will start to delve into the semantics of the homeownership process. Our interview discusses:
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The Importance of Lowering Your Tax Burden: No matter how much money we earn, taxes are inevitable. Generally speaking, the more you earn, the more Uncle Sam feel entitled to take. However, did you know there are ways to mitigate the tax burden? You can go as far as finding tax shelters to lesson the amount of money you owe. If you want more information on how taxes really affect your money, let me know in the comments and we’ll get a show set up!
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Can I Afford to Purchase a Home in Washington DC?: Washington, DC is one of the most expensive cities in America. According to zillow.com, average home prices are $640,000. What does that mean for the first timeDMV homeowner?
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Are There Any Downpayment Assistant Programs Available?: NACA (https://www.naca.com/) is available for downpayment assistance. Downpayment assistance means there are programs who pay for the upfront costs that can make it difficult for people to become homeowners. If you want more information on downpayment programs definitely let me know.
As always, let me know if you have any questions and I look forward to hearing from you all soon! Special thanks to Marcus for his insight and expertise!
Stay in Touch:
@stacksnthecity
Music:
www.bensound.com
Hello my wonderful wealth builders! I've done some research in the past on people who specialize with budgeting and planning part of money management and I stumbled across @thefinancialgym. The Financial Gym is a company that treats your money like going to the gym- you pay a monthly membership fee and you receive a personal money trainer to get your finances fit.
I had the pleasure of speaking to Beca Soto, a level two trainer for the gym's DC location. She uses a unique combination of enthusiasm, passion, and personal story to influence her trainees into getting into financial shape. Budgets, spreadsheets, and judgement don't drive the conversation; instead, goals, envisioned lifestyles, and even tissues drive the change.
In this episode you'll learn:
- What exactly is the financial gym and how it can help you
- What sparked Beca's passion for empowering others financially
- Beca's biggest financial mistakes
- How wine and money are directly correlated.
The Financial Gym is still offering Wine Wednesdays and virtual training sessions, so there's no reason better than now to get started! Information to the financial gym is here.
More Information on bullet journaling is here.
Keep In Touch:
@stacksnthecity
Music:
www.bensound.com
Hello wonderful people! Today's episode is in direct response to Warren Buffett's annual shareholder meeting of his company Berkshire Hathaway. On May 2nd, he made an announcement of his company selling his 10% stake of the four major American-based airline companies: American, United, Southwest and Delta airlines. This announcement caused a huge stir in the investment world- but why? In this episode, we will:
- Provide context to Warren Buffett's power and why he's so important
- Define and explain the concept of the annual shareholder meeting
- Describe and break down Warren Buffett's annual shareholder meeting
- Delve into the contents of his shareholder meeting
- Answer the big question: Should we invest in airlines??!!
My ebook on the beginner series in investing in the stock market is out now!
https://www.stacksandthecity.co/cart-page
Keep in Touch!
@stacksnthecity
Music: bensound.com
Resources Used:
https://www.youtube.com/watch?v=69rm13iUUgE
https://www.investopedia.com/articles/investing/062413/peek-shareholder-meetings.asp
https://www.investors.com/news/airline-stocks-boeing-stock-warren-buffett-coronavirus/
https://seekingalpha.com/article/4343571-warren-buffett-is-wrong-airlines
https://seekingalpha.com/article/4343571-warren-buffett-is-wrong-airlines
https://www.berkshirehathaway.com/letters/letters.html
https://www.amazon.com/Intelligent-Investor-Definitive-Investing-Essentials/dp/0060555661
Hello everyone! I've been getting so many questions about which stocks to pick and the research you need to do and I promise it's more intuitive than you can imagine. Though the stock market indeed does consist of many charts, graphs, and intimidating terminology to help determine whether a stock is worth investing in or not, there are also a number of questions that you can absolutely answer yourself. In fact, I recommend these questions before you even delve into facts and figures. Much of my inspiration and what I use comes from Invested By Danielle Town and I HIGHLY recommend her book. Stay amazing, fabulous and I can't wait to hear about your investing success stories!
Questions That You MUST Say Yes To Before You Purchase a Stock:
1) What do you like to go shopping?
I recommend writing a list of five companies you actively make purchases in.
2) Do you see other people buying where you shop?
Is the store/product/entity popular? Do you see people buying it? Is it something you friends are into? If the answer is yes, it's definitely worth purchasing.
3) Do you see the company around in at least five years?
How does the company look? Are storefronts cute and forward thinking or are they busted and decrepit? Do you see a decline in where people shop? Is the company a necessity?
4) What's the buzz surrounding the company?/Is it positive or negative?
What have you heard about the company? Are they releasing a new product? Has there been any high-profile endorsements? Did someone in leadership say something shady? This is what research looks like for the company of interest.
Ya'll there are more factors in determining whether a stock is worth investing in or not, but these are the fundamentals. Know this and you're already there! Practice these and you'll be a whiz in investing. Stay fabulous and amazing and I can't wait to see you all soon.
Resources:
https://www.amazon.com/Invested-Warren-Buffett-Charlie-Emotions/dp/B0797GF85V/ref=sr_1_1?crid=2XPJXY1UZ9B3J&dchild=1&keywords=invested+by+danielle+town+and+phil+town&qid=1587615253&sprefix=danielle+town%2Caps%2C135&sr=8-1
https://podcasts.apple.com/us/podcast/episode-63-so-stock-market-talk-isnt-modern-day-hieroglyphics/id1390022492?i=1000470974954
Follow Me:
@stacksnthecity
Music:
bensound.com
Today's CEO Spotlight features Naima Barnes, Personal Finance Coach and Planner. She breaks down all of the know-how when it comes to investing in the stock market from the beginning to the end. If you have no idea where to start or what to do, she's the woman to talk to. During the interview, she discusses where to even click after opening your first investment account. This episode is perfect for those interested in getting involved in the stock market and have no idea what to do!
Episode Highlights:
- Rule of 72: long story short- an easy way to determine how much money you'll have over time
- What's Eron?
- Am I going to lose all of my money?
- Where do I even start investing in the market
Be sure to catch Naima's podcast Code and Coin here:
https://www.stitcher.com/podcast/code-coin/e/67442622
Follow Naima:
@naimanbarnes
Follow Me:
@stacknthecity
Music:
www.bensound.com
Hello everyone! Today we are decoding ten of the most common terms of the Stock Market. I truly believe in order to understand the Stock Market you must understand the basics. I'm breaking them down as simply as possible! As always, if there are any questions you may have do not hesitate to let me know. There will be a live on my Instagram this Friday to delve deeper on definitions so do not miss it!
Be Sure to Follow Me:
@stacksnthecity
Music:
bensound.com
Terms Discussed Today:
- Stock Market
- New York Stock Exchange
- NASDAQ
- Ticker Symbol
- Publicly Traded Company
- Share
- IPO (Initial Public Offer)
- Trade
- Dow Jones Industrial Average
- Standard & Poors 500 (S&P 500)
Knowledge will forever be power. Here the following resources I used to help with the definitions. Definitely read up and get more information. This podcast episode was meant to be as simple as possible. Ya'll are fabulous!
https://www.nerdwallet.com/
https://www.investopedia.com/
https://www.businessinsider.com/
https://grow.acorns.com/investing/
Hello again wonderful people. Today's CEO Spotlight is a little different than what we normally do here. COVID-19 is snatching jobs and financial independence from so many of us- myself included. However, do not fret! There are myriad of resources and assistance present to help us get through this.
Today, I am featuring Councilmember Elissa Silverman. She's here to provide resources and insight for those who have been most financially impacted by the pandemic. In this episode she will discuss:
- Why Washington, DC started the Stay-at-Home mandate
- Why call times have been so long to file unemployment benefits
- How to get your unemployment benefits
- Resources to help during this financially difficult time
Ya'll you are not alone! We are in this together! If you have any questions do not hesitate to contact me! Stay amazing and fabulous! Wash those hands, ya'll!
Follow Me:
@stacksnthecity
Music:
bensound.com
Good day wonderful people! We are in the thick of week two of the quarantine and I'm not going to lie- I'm really beginning to miss social interaction. This week's episode is all about effective ways to practice social distancing while still being extroverted. I cannot emphasize how important it is to still practice social distancing even while being in public places! Stay safe and amazing!
My Tips to Social Distancing While Still Being an Extrovert:
Talk to People Virtually!
I've had such a wonderful time catching up with old friends! The internet really has a wonderful way of connecting with people
Do the Essential Shopping:
I regularly go to the grocery store even if it is only to go through the aisles before purchasing a loaf of bread. It is the perfect way to still feel like I'm part of the public while still being out only when necessary.
Get Outside:
One of the essential ways to feel like you're part of the public is to get some fresh air! The BEST part of my day is running on the national mall. I have the fresh air I need and I'm around so many people (yet so far away). It's a wonderful experience to have people trying to keep some normalcy in their lives while still keeping their health and the health of others a priority. I'm in my little bubble doing my thang while being in the open.
This will pass! Everyone is fabulous. Social distancing for extroverts is a thing! We can do it!
Hello everyone. This virus got us all uncertain. As a person who has also been laid off from BOTH of her side hustles, I am now in a position where I am not earning a steady paycheck for who knows how long. Washington, DC has mandated that restaurants in the area practice "social distancing" and thereby displaced hundreds of service workers. This podcast episode is dedicated specifically to those who have been laid off work during this uncertain time.
In This Episode You Will Learn:
- How to prioritize payment for your bills
- How to open the lines of communication for bill collectors
- What to say to said bill collectors if you don't have any money
- How to find income in an economy where no one plans to hire
Everyone here is amazing and great! We WILL get through this! Stay amazing and stay tuned! There will be more episodes like this in the future to provide any resources needed for you!
Follow Me:
@stacksnthecity
Music:
www.bensound.com
Today's CEO Spotlight features a true fashionista and a wonderful friend of mine. Tiffany Ingram of Policy and Fashion knows how to dress for any occasion with grace and style. I interviewed her to figure out how we can be more accommodating with our style no matter what our sizes are, how to find your style, and how to start shopping- for free. In this episode you will find:
- The importance of shopping for what you already have
- How size doesn't matter
- Does Lizzo affects the media's perception of curvy girl style?
- How to save on creating a wardrobe
Follow Me:
@stacksnthecity
Music:
bensound.com
Are you eyeing that luxury bag and wondering if you can afford it? Do you even 'believe" in luxury. Is it even possible to have luxury items and be financially responsible? Nikki Taboe is a Burberry consultant and fashion expert who talks to us about who should buy luxury, how to save money, and if it's even worth it purchasing in the first place. In this episode, you'll find:
- The three tiers of people who set the stage for fashion and style
- How to get the most fashionable designers for cheap
- If luxury has a place for people of all sizes
As always, subscribe and comment and let me know what you think! It is absolutely possible to get your money right and still desire the likes of Burberry and Dior.
Follow Me:
@stacksnthecity
Music:
www.bensound.com
Hey ya'll!
It's one of my favorite episodes on rewind- my top tips on shopping online vs. in-store. Ya'll we will not be aimlessly shopping online anymore and purchasing items we won't return knowing they don-t fit! As always stay amazing!
What better way to continue to up your wardrobe and style game than by incorporating multiple shopping tactics into your wardrobe? Today’s episode delves into best practices for conscientiously and intelligently clothes shopping both online and in stores.
In Store Shopping Tips:
Window Shop- There is NOTHING wrong with going into a store and meandering around. Window-shopping allows the opportunity to look at latest fashion trends, eclectic color combinations and patterns, and items you’d be interested in incorporating into your wardrobe. It gives you ideas! Take the time to scan a store to plan pieces that can work for your wardrobe.
Plan for What You Need- and a Price- I rarely go into a store with an intention to purchase without having an idea of what to purchase. When you plan how you will build your wardrobe, you make smart strategic choices for what to purchase. Also, remember that price is arbitrary. If clothing companies can make up prices for how much they want to charge, you can make up prices for what you’re willing to pay. Stay patient- it will come!
Understand a Floor Plan of a Store- Clothing stores have items strategically placed for a reason. Seasonal and target items will be front and center on display (and are also the most expensive). Clearance and sale items will be in the back. Stores want you to work for those deals (and be tempted to buy other non-sale items along the way). Don’t fall for the traps!
Sizing is Arbitrary- Don’t let the tags dictate your self-esteem and your fantastic body. Companies change/update size charts all the time. The number on the tag shouldn’t determine your fashion stunt game- the way an item makes you feel and look should. Sizing is imaginary!
Online Shopping Tips:
Embrace the Wish List- instead of adding clothes to your cart, add items to your wish list. This can become a mini Pinterest board of clothing options you like and can also develop your personal style.
Beware of ‘Sales’- That goes for flash sales, blinking banners, limited time onlys- ya’ll- it’s simply a marketing tactic to get us to buy immediately. Sales always and forever will exist. Don’t be tempted by the banners to buy.
Know Your Size- The best way to avoid returns is to measure your body and look at the size charts. The size charts will help you figure out if an online item works for you.
Delete the Apps- Ya’ll…all of those clothing apps have to be deleted. Shopping sans purpose leads to mindless buying. Shopping for the perfect outfit should take a little work. Always be intention in your shopping
Remember to Follow Me on Instagram and Twitter @stacksnthecity
Music: bensound.com
Be sure to rate and subscribe on itunes!
Stay fabulous!
Hello again everyone! It's still Fashion Month on Stacks and the City and I decided to bring it back by discussing my top ten in getting your style in order! Listen in again and let me know what you think! You all are truly fabulous.
CONFIDENCE CONFIDENCE CONFIDENCE CONFIDENCE is the number one way to become more stylish! You MUST work from within for the best version of your outside to be its most stylish version of yourself. The following is my top ten on becoming more fashionable.
- Find one part of your body that you love the most.
- Assemble the foundation of your wardrobe
- Shop Your Closet
- Organize Your Closet
- Know Your Body Type/Do Your Research
- All Google Everything
- Start Shopping
- Set a Budget
- Try Interesting Looks Out- Take a Chance
- Build and Be Patient!
Always remember to rate and subscribe!
Follow me @stacksnthecity
Music:
bensound.com
your wardrobe
- Shop Your Closet
- Organize Your Closet
- Know Your Body Type/Do Your Research
- All Google Everything
- Start Shopping
- Set a Budget
- Try Interesting Looks Out- Take a Chance
- Build and Be Patient!
Always remember to rate and subscribe!
Follow me @stacksnthecity
Music:
bensound.com
Hello again everyone! In today's episode, I talk all about how to save money and be more fashionable. Is it possible? Can we really do it? I want to share with you all some of my favorite tips on how to save money and look better in your clothes! Get this money ya'll!
Music:
bensound.com
Follow Me:
@stacksnthecity
Hello wonderful people! Today's episode is all about my Frugal Diaries! I have been super focused on getting back my savings and taking every measure possible to get there. I want to share with you my ways to get your money right. If you have no idea where to start here's what you need to do:
Keep a Cash Diet:
Ya'll, there is nothing better than getting Benjamin, Hamilton, and the crew in your wallet. I've been doing $50 a week to cover everything! I've been able to stay on top of my expenses in a way I can't with managing debit and credit cards.
Plan Your Months in Advance:
Keep a notebook of anticipated expenses. This will give you an idea of where your money goes.
Just Say NO:
There is absolutely nothing wrong with skirting people and activities that will help you spend money you had no intention to spend. I've been laying low all month and said no to other people and plans- especially those I don't want to do! It saves money and stress!
That's all for now. Stay fabulous!
Follow Me:
@stacksnthecity
Music:
bensound.com
Good day everyone! Today I want to share with you all how I prep for my Vision Board Party. The vision board takes so much importance in setting up the timbre of the year I want for myself. Make your financial goals come true ya'll!
Hello again wonderful people and Happy New Year! In this New Year, I want to get my savings back in order and step my money game up. This month will be the most frugal month I've experienced in a long time. I want to share with you all my Frugal Diaries and what you need to do to do the same (and keep your sanity intact). Ya'll stay fabulous!
Hello everyone and Merry Christmas and Happy Boxing Day! (That's a thing right?). I want to let you all now that even though the New Year is steadily creeping upon us, there is absolutely no better time than the present to get what we want from the new decade. I have a new word I want to follow to set the timbre for the New Year: Receive. In order to make your dreams come true, you must set and create the intention for the new year. I am looking forward starting this year off right! Set a word and make the intention for yourself and do it!
Hello again wonderful people! I am so grateful to have so many amazing listeners! Today we are discussing ways to give holiday cheer for the low low. Ya'll, one thing that most bothers me about the season of giving is the LACK OF GIVING. People love to talk about gifts to give themselves but not enough about how to spread joy and show appreciation to others. Today I want to share some of my thoughts on the season of giving as well as provide easy and inexpensive ways to show everyone around you that you're thinking about them. As always, stay fabulous and amazing!
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@stacksnthecity
Music:
www.bensound.com
Hello wonderful people! The holiday season is upon us and I am super excited to share with you all how I plan to undergo holiday shopping. One of my biggest pet peeves during this time of year is when everyone miraculously becomes broke when we had plenty of money to stunt on Instagram in July. Gift-giving doesn't have to be an exorbitant and overpriced affair- simply show others in your life that you're thinking about them! Curating your gifting list can be hard and overwhelming, so I created an ebook to make it easy to list exactly who's on your life and to give no matter any budget. Links to my ebook at the following:
https://www.stacksandthecity.co/
Stay fabulous and Happy Holidays!
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@stacksnthecity
Music:
bensound.com
Hello everyone and Happy Thanksgiving! I want to let you know how grateful I am for yet another year of talking about getting this money! The holiday season is truly amongst us and I want to let you know that I will have plenty of ideas coming your way to teach you how to best gift give for the holidays no matter the budget. It's all about time and money, ya'll! Don't worry- we'll get into that more. I want to let you all know that I'm forever grateful that I'm able to share so many experiences with ya'll! Don't go crazy with the itis!
Follow Me:
@stacksnthecity
Music:
www.bensound.com
Hello lovely people! Today I am going to talk all about the secrets of the first time homeowner. There are so many tips that I had no idea that I wish were shared with me. Listen in and as always comment and subscribe! Ya'll are utterly fabulous!
Hello wonderful people! Today we are answering a highly sought out question- what are my top recommended books I've read to build wealth and get this money? Today I've mentioned all of my top favorites as well as links below to order on Amazon! Many of these titles are available at your local library for my budgetista folks! Get this money and as always, thank you so much for listening and sharing!
The Millionaire Next Door: https://www.amazon.com/Millionaire-Ne...
You Are a Badass at Making Money: https://www.amazon.com/You-Are-Badass...
Invested: https://www.amazon.com/Invested-Warre...
The Book in Real Estate Investing: https://www.amazon.com/Book-Rental-Pr...
Think and Grow Rich: https://www.amazon.com/Think-Grow-Ric...
Hello wonderful people! I know I am entirely LONG overdue with the rereleasing my podcast but I am back and ready! I have a new computer and a boatload of ideas I want to share with you all. Before we delve into the nitty gritty of the money making, I want to let you know what's been going on with my life since the hiatus. I got fired, lost liquidity, and had to get a 9-5. Let's chat! Ya'll are fabulous!
Follow Me:
@stacksnthecity
Music: Bensound.com
Hello everyone! Today's video is all about understanding your Financial Philosophy. What is your attitude about the money you have? Where did this perspective even come from? Parents? Friends? Education? Lack Thereof? In order to really get into the nitty gritty of where your money goes, you have to understand where your mind goes when you hear the word money. Write out your Financial Manifesto and BE HONEST WITH YOURSELF! It can (and should change) as time goes and you get in the money game.
Also ya'll, I will be posting the audio files from my YouTube channel from here on out. There will also be interviews coming up exclusive for my podcast. Ya'll are fabulous and as always thank you so much for your support!
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Instagram & Twitter: @stacksnthecity
Today I'm showing you all the ways to make the MOST out of shopping the endless summer sales at retail stores. We refuse to go into a store and shop without a plan! There are so many opportunities to maximize your money in stores by investing in classic pieces and winter items. You all are truly fabulous and I am so grateful for ya'll's support! Keep listening, commenting, and letting me know what you think!
Remember to:
- Use the summer time to invest in foundational pieces: black/neutral slacks, button-ups, etc
- Invest in winter clothes in the summertime
- Avoid spending too much money on trend items
Per usual, ya'll are fabulous!
Keep in Touch:
@stacksnthecity
Music:
bensound.com
Today we uncover exactly what Rihanna, Diddy, and Jay-Z to amass their fortunes and most importantly, what Jay-Z did to become the first hip-hop mogul inducted into the BILLIONAIRES club. This video we delve into where their investments go and if exactly their musicianship led to their fortunes. Sources cited are below. Stay fabulous.
https://www.celebritynetworth.com/articles/entertainment-articles/how-diddy-earned-his-855-million-net-worth/
https://www.forbes.com/sites/natalierobehmed/2019/06/04/rihanna-worth-fenty-beauty/
https://www.forbes.com/sites/zackomalleygreenburg/2019/06/03/jay-z-billionaire-worth/#354d7ffc3a5f
Follow Me:
@stacksnthecity
Music:
bensound.com
Ya'll want this money- or anything you desire in your life? Do you need the tools necessary to make it happen? I've whittled the seemingly infinite measures to success to three Cs- Connections, Confidence, and Consistency.
Connections:It truly doesn't matter how intelligent or well educated you are- if you don't know the right people you won't have the success you deserve. You have to know the right people. Expand your network. Go to places and open your mouth. Speak to the most successful person in the room. Remember they're people too.
Confidence:Are you confident? Having confidence allows you to go into anyplace like you belong- because you do. Building your confidence takes time and practice. Spend time focusing on your strengths. What makes you feel fabulous, great, and like you belong. Focus on that and speak to the person who intimidates you the most.
Consistency:It doesn't matter how confident you are, or if you're cooling it with the Prime Minister, if you're not consistent with what you want in your life, you're not getting anywhere. Work to accomplish your goals a little bit every day. Consistency pays.
Instagram & Twitter:
@stacksnthecity
Music:
www.bensound.com
Hello and welcome to another fantastic episode of Stacks and the City! I am so excited to be here with you all and talk about getting this money. This month we are talking about TAXES. Taxes are a really hefty topic- in fact, it’s more of an entire topic up for discussion. There are so so so many directions you can use to make your taxes work for you. I HIGHLY recommend finding a trained tax professional to help answer tax questions and minimize any tax payments.
Questions that Will Be Answered In This Episode:
How exactly do taxes work?
Do I claim 0 or 1 on these tax forms?
How do tax brackets work?
Ashley’s Tips:
Deduct!
- There are so many ways to subtract from everyday life expenses to reduce you’re the amount of money you spend.
Find a tax professional
- Especially as your financial lives get more complicated, it becomes imperative that you invest in professionals who truly help reduce your tax bill and who educate you on way to reduce your tax bill.
Spend this coin properly!
- When the refund hits, DO NOT spend it on frivolous unnecessary items- at least not all of it. The vast majority of your refund needs to go to whomever you owe first. I recommend paying down the highest credit card interest payments first. Take back your coin!
For More Information:
https://www.fool.com/taxes/whats-my-tax-bracket.aspx
https://obliviousinvestor.com/how-do-i-calculate-my-income-tax-refund/
Follow Me:
@stacksnthecity
Music:
bensound.com
Good Wednesday, everyone! Today we are talking about Spring Cleaning. Spring has sprung and that means a wonderful spring-cleaning of our homes. BUT, we also need to consider a spring clean for our finances as well! Today, I offer four tips on tidying up your personal finances.
1: Check Your Coin
Go into your bank account and see how much money you have! How
2: Call Credit Card Companies to Lower Your Interest Rates
- Keep the ball in your court. Call credit card companies to ask them to lower your interest rates. This more plausible when you’re making monthly payments on time and in-person. You’re in boos- not them.
2a: Open a Credit Card
- Building good credit means starting lines of credit. There is nothing wrong with credit cards as long as they’re used responsibly.
- Open a store account and every time you swipe PAY THE BALANCE IN FULL AT THE REGISTER. You’ll build credit and avoid credit card issues at the same time!
3) Clean Out Those Emails
- Unsubscribe to retail marketing emails, delete discretionary spending inclined apps, and delete all payment history in your phone. Make it difficult to spend money!
4) Plan Your Tax Refund
- Spring-cleaning and tax season are synonymous- carefully plan where your financial windfall goes. Keep a fraction for yourself- but the rest should absolutely go toward any debts you owe. Use this money to get ahead!
That’s all for now. Thank you so much for tuning in. Per the usual, let me know ways you’re getting this money.
Connect With Me:
Twitter & Instagram: @stacksnthecity
Music:
bensound.com
Good day everyone! Today we are talking about the Credit Report. What in the world is it and why is it so important? A Credit Report is essentially a scorecard that judges how reliable you are at paying back borrowed money. The higher the score, the more reliable you are at paying back money. T
- The Basics of Borrowing
- You need something but have no financial ability to pay so you borrow money with a catch
- Like saying it will cost you $500 to borrow $20 from me
- The price attached with that is interest
- Percentage of cost
- Companies want you to pay the minimum balances- they earn more money
- Interest Varies: Rate
- Based on Credit History
- Credit Score
- Credit Score!
- Based on history, a Report Card for your finances
- Credit Score Breakdown
- Credit Score Depends on the Following Factors:
- Credit History
- Payment
- Debt
- Credit Accounts Opened
- Public Records
- Inquiries
- The Way to Begin Credit Repair is to look at the three Credit Agencies
- Transunion
- Equifax
- Experian
- LOOK AT IT LOOK AT IT LOOK AT IT
- Where to start paying back:
- Debt has a priority on what to pay back
- What impacts your Credit Score:
- Settlements/Collections
- Taxes
- Credit Cards
- Students Loans
- Car Payments
- Students Loans
- Home Loans
Thank as always for listening! Y'all are fabulous.
Instagram & Twitter:
@stacksnthecity
Music:
www.bensound.com
Good day everyone! Today we are delving into the concept of the credit card. Is it a friend...or foe? This episode delves into the nitty-gritty of credit cards. Find out what to avoid when using credit cards, why credit cards are a fantastic way to utilize free travel and retail, and my top tips to using credit cards responsibly.
In This Episode We'll Uncover:
What is a Credit Card?
Credit Cards as Foes:
- Interest
- Lack of Research
Credit Cards as Friends:
- FREE TRAVEL
- Fun Rewards and Perks
- Build Your Credit
Ways to Get the Money Out of Your Credit Card:
- Get a Credit Card With No Annual Free
- Research- Get a Credit Card with a Rewards Program
- PAY YOUR BALANCE IN FULL EACH MONTH
Be Sure To Follow Me:
Instagram & Twitter: @stacksnthecity
Music:
www.bensound.com
Good morning everyone! I am here answering your money questions about credit cards, traveling, and budgeting while abroad. I absolutely loved hearing your questions! Keep them coming! Ya'll are absolutely fabulous.
In This Episode:
- Exactly how does one get into all of these airport lounges- for free?
- How can you leverage credit card to your advantage?
- Exactly how much does it cost to visit Australia?
Keep in Touch:
Instagram & Twitter:
@stacksnthecity
Music:
www.bensound.com
Hello everyone and greetings from Melbourne! I am so excited to share with you all my experience in Melbourne. It’s awesome. I love the ability to share a piece of my culture with other people. Today’s episode talks all about travel tips while abroad. Travel doesn’t have to be expensive if you don’t want it to be!
Tips:
- Get Your Currency Ahead of Time or at the ATM
- Shop at Supermarkets
- Stay in Hostels- they’re much cheaper!
Instagram & Twitter:@stacksnthecity
Music:
bensound.com
Hello everyone! We’re kicking off our investment series. We will discuss exactly what is the stock market, why investing is for everyone, and common myths surrounding the Stock Market. The following are show highlights:
- The stock market is literally a place where you buy and sell- or trade shares- or pieces of an owned company.
- Chances are you’re already an investor. If you have a Thrift Savings Plan, 401(k), or 403(b) plan, you already have an investment portfolio through your employer. You’ve been putting money away for retirement- a fancy term that means you’ll get paid to not work.
- You will lose money. Yeah, I said it. However, investing works for the long time horizon. You have to stay committed to the stock market through good, bad, and ugly. If you stick through each downturn, you will be rewarded. The stock market isn’t for someone looking to keep their money for the short term. We’re talking 10, 20, 30+ years of dedication.
- A little bit truly goes a LONNNNNG way. No one is asking you to spend exorbitant amounts of coin in the market as a novice. Nah. Start putting $20 away each month and increase incrementally every time you get a raise, get promoted, or save money. The money will grow.
Additional Resources:
What in the world is an Index Fund?
Real Estate or the Stock Market
How Warren Buffet Collected So Much Coin
Instagram & Twitter:
@stacksnthecity
Music:
bensound.com
Hello, everyone. Today I had the absolute pleasure of meeting gym owner and change agent Desmond Scott of Prime Institute of Durham, North Carolina. This accidental entrepreneur creates a gym environment that centers around the people who built it- his clients. He asserts quality customer service as the timbre of his success. But this is the show all about this money- what does Durham’s fitness guru say about finding motivation and fitness?
Key Tips and Takeaways:
- The foundations of a good business are as follows:
- Customer service, amenities, and services offered
- Good customer service allows your business to grow and sustain
- Stop Creating Too Big Fitness Goals!
- It can be difficult to achieve without having a proper team to assist you
- You’re not the only one who walks into a gym feeling confused and feel like everyone is judging you
- Everyone feels that way and it’s all in your head!
- A good gym should provide you with a service. If they don’t respond in a way that makes you feel confident then you have to take your money elsewhere
- Going to the gym should focus on how you feel. Do you feel good? That’s your motivator
- Fall in love with the method, not the mission
Ways to Save Money on Fitness
- Utilize YouTube and Instagram for fitness inspiration and workout ideas. They’re free- and fabulous.
- Hire a meal prep service. You’ll find that hiring a personal chef to create healthy meals will be cheaper in the long run than paying for meals daily. Need proof?
- Keep all receipts! You’ll be surprised at how much money you spend on going out to eat in a month. You’ll find that hiring people to help you eat clean could come out cheaper!
- Start with walking. Get into a habit of purposeful walking every day. That creates commitment- an essential component to working out.
Stay Connected With Me: Instagram & Twitter: @stacksnthecity
Music: www.bensound.com
Hello everyone! I am so excited to highlight Yasmine Saibou of Darker Berrie, a lifestyle blog on fashion, money, and DC life from the perspective of a twenty-something young urban professional. Yasmine worked hard to create an abundant life of fortune, fitness, and fashion. She uses her experiences in relationships and her upbringing as fuel to be the best version of herself. She’s worked hard to reduce her debt and stay active in the gym all while staying flawless in photos. She provides a plethora of information on how we can be financially savvy in our relationships, how accessories can make an outfit of any price stylish, and how to get and keep waists permanently snatched.
Quick Tips:
- Variable costs factor into your money more than you’d think! It ain’t only about the rent ya’ll!
- Call them out! Pull out the W2s and pay stubs when taking steps to cohabitate with your partner.
- Instead of doing the most with a goal do the least consistently. Start goals using the 30/50/80 plan. Start a goal 30% of the time and steadily increase your work to 50% and 80%.
Connect With Me:
@stacksnthecity
Music:
bensound.com
Hey, ya’ll! I know I’ve been MIA for the past couple of weeks but I really wanted to spend some much-needed quality time with my family. Nonetheless, 2019 is turnt and here and we’re here! This week’s episode is an Ask Ashley, where I answer ya’ll’s pressing questions about getting and managing money. I am so grateful for the questions ya’ll asked.
In This Episode:
- We discuss the difference between FHA and conventional loans
- We tackle the process of homeownership
- We get down and dirty in the details on how to quell a shopping habit
- We tackle the concept of habit (and how to break them)
- We address exactly how does one have $100,000 (and not get the urge to spend it all)
I can never thank you all enough for your continued support and fabulousness! What are you doing in 2019 to elevate your money game?
Follow Me!Instagram and Twitter: @stacksnthecity
Facebook: Stacks and the City
Music:
Bensound.com
Hello everybody! Today’s is short and sweet. We are in the thick of the holiday season! Remember that this time of year isn’t about giving (or receiving) tangible gifts; it’s about giving and cultivating relationships with the people you love and care about the most. Think about it, what are some of your fondest memories during this time of year? Is it the biggest toy you received or the time you spent with your favorite people? No one’s asking you to be Ebenezer Scrooge- we can still give, but don’t use the “I can’t afford it” excuse to show you’re thinking of others. There are infinite ways to show your appreciation for the people in your life without spending googabs of coinage. We get it! Sending cards, cute snacks, a drink shows thought! Think about someone other than yourself.
Ya’ll…this is indeed the season of giving and if you are truly about this money, ya’ll better be about this giving life. There are people who wish they had the life you currently have. Show your appreciation for your lifestyle by giving to a cause that helped shape you. Love pets? Children? Education? There are PLENTY of organizations to support. You say you don’t have the coins? No one’s asking you to start foundations and be on your #OprahStatus; however, if you’re really about this money, you need to incorporate practices of the wealthy. Wealthy people donate to causes! Five dollars goes a much longer way than $0. Your money, no matter the quantity, matters. Always remember that. Additionally, charitable donations help relieve tax burdens during tax time. For my higher earners, charitable donations help reduce how much you owe at the end of the year. In order to get this money, you have to give this money!
Instagram and Twitter:
@stacksnthecity
Music:
bensound.com
UHey ya’ll. Today we’re switching up our normally scheduled programming to discuss me leaving my job! I worked at an investment firm for over a year and a half and I was over it. Corporate America simply isn’t for me. It took THREE jobs to realize that!
My career choices have been a strange paradox of working in the most prestigious institutions in America but not feeling part of the mission. Over my numerous jobs, watching legislation pass, busy executives close major deals, and million-dollar transactions, I only saw boredom and the passage of time. I never felt that these jobs aligned with my purpose. After working for Morgan Stanley, I KNEW that God had a greater purpose for me. Instead of staying in a pretty consistent, relatively well-paying job, I decided to leave and take a chance. Though I have NO idea what I’m doing or how I plan to earn a living from helping people get their money right, I KNOW I’m exactly where I need to be in my life right now.
For those contemplating leaving their jobs, just do it! Create a game plan, work toward making the game plan work, and execute! It’s not difficult. Get this money and live in YOUR purpose.
Today’s episode features the phenomenal travelpreneur and world traveller Rachel Hill of Rachel Travels. Rachel bravely quit her lucrative six-figure corporate job to travel to Southeast Asia to find meaning and purpose in her life. Her seemingly one-time adventure quickly morphed into a multilayered travel business and brand. I had the upmost privilege of interviewing her to hear her insight on globetrotting, leaving corporate life, and getting the best deals on global travel.
Notable Takeaways:
- When traveling, evaluate what you most plan to spend money on (flights, food, excursions)
- Create a budget for your trip
- Travel during the shoulder or low season
- Embrace and understand you are a guest in someone else’s home. You adapt their culture NOT the other way around
INFINITE thanks to Rachel of Rachel Travels for her info, insight, and intelligence. Make sure you stay up to date with her travels and travel tips. Thank you again @racheltravels!
Music: bensound.com
Ya'll I KNOW it's been a long time but we're back and in action!! Today I have Yanely Espinal of Miss Helpful Info. She has a fantastic YouTube channel dedicated to helping young millennials get their money right. She grew up in poverty in New York City and managed to get out of over $25,000 in debt on a teacher's salary. She truly embodies how to get your money right and that you DON'T need to come from wealthy means to learn how to generate wealth. What I love about her interview is her explanation of mental investment to have a lifetime of mental stability and happiness. My biggest takeaways for getting this money is:
- Get a travel buddy
- Plan ahead
- Don't Fear Cutting Back When Abroad
- There is no such thing as deprivation but it's regulation
- Don't run away from the problem
Useful Links:
https://www.hipmunk.com/
Check Out Yanely's YouTube Channel Here:
https://www.youtube.com/channel/UCr2h_5UeJH-0oxp5ntzpm-w
Thank you for Yanely's FANTASTIC help and advice!
Follow Me:
@stacksnthecity
Music:
bensound.com
If there is anything in my life that excites me it’s travelling. The ability to travel gets a plethora of challenges, hurdles, and self-discovery that no other experience in life compares. Not to mention, it’s enlightening on a whole other level to see how 7 billion other humans create their existence on this Earth. This week’s episode delves into my appreciation for travel, and more importantly, why you should do it. We also discuss simple tips on foreign travel. Remember, the human existence is salient- meaning all humans have to eat, sleep, communicate and procreate to survive. It has been a truly humbling experience to see how others adapt to these needs.
Quick and Dirty Tips on Foreign Travel:
- Prioritize: When crafting your plan, choose ONE activity you wish to splurge on. This can be travel, food, shopping, museums, excursions- THE OTHERS MUST FALL BACK. What do you want to get the most out of your travel experience?
- Take Advantage of Flights and Deals: There is NOTHING wrong with Spirit and WOW Air. They market towards budget travelers. That does NOT mean they are unsafe. Certain countries are cheaper to fly to (ie Amsterdam and Iceland) than others.
- Pack Light: If you choose the backpacking route, you will spend a lot of time walking and moving- no one has time for OD suitcases. Plan ahead with what you plan to wear. Stick with neutrals and a scarf for accessories.
- Have a Backup Plan!: Always have a plan in case something pops off in a country. I always have $500- $1000 on hand for an emergency one-way ticket back to The States in case of unrest.
- The Black American Experience Doesn’t Translate: Being black and abroad may be different but it’s not deeply rooted in centuries of oppression and unrest. If you are a person of color and you travel abroad, you probably will get stares and glances. This is normal. We absolutely do stand out and many haven’t seen dark faces in their lives. Just take it in stride and be proud that you represent a diverse America.
Follow Me:
@stacksnthecity
Music:
bensound.com
This week’s episode fares slightly away from the monthly topics discusses and delved into the issue of being a first generation college grad and the lies our parents told us about money. Yes- lies. To what extent do we keep the same financial mentality as our parents- knowing full well we out educate and out earn our parents?
Key Takeaways:
- To what extent do our parent’s financial philosophies stay with us as we get older and earn high salaries?
- How can we ensure that our bags match our bank accounts?
- To what extents do we focus on the ‘now’ as opposed to ensuring the future stays lucrative?
- How can we work toward changing out realities?
- Multiple generations may jog financially, but we must continue to sprint with determination and a smile. WE WILL CATCH UP.
- Education! It doesn’t stop at graduation. We have to find resources that work toward teaching money management that no school or upper 100s class can ever
Thank you so much again for listening and you know where to find me! Please please rate and subscribe! Stay fabulous!
Instagram & Twitter: @stacksnthecity
Music: bensound.com
Wedding season. Alumni balls. Reunions. Work events. The Grammys. (Ya’ll waiting on ya’lls invite too?). It seems like as we get older, there’s always someone asking to celebrate their major life event- which translates to spending hordes of money on dresses, hairstyles, makeup, and stunt pieces (or is that just me…?).
This week’s show is all about how to save coins on special occasion wear and workwear. In this episode, we’ll talk about best ways to shop and keep your precious coins and still assail the special occasion fashion game. Clothes may be expensive but style is absolutely not.
Quick Tips:
- ACCESSORIES! Some of ya’ll are pressed for the dress but ya’ll have dehydrated bank accounts. You can revamp a dress in your closet by adding a statement necklace, fancy earring, or a different hairstyle. It doesn’t have to be expensive! Get creative with your closet.
-
MAKEUP: ANY look looks different with a statement lip, a structured face, or a $5 pair of properly placed eyelashes. A good look is all about doing something outside of your comfort zone. If you are known for dark lips, get something in a pink that works for you. We purchase clothing to feel good about ourselves. Purchase an addend to your makeup will that will yield the same sentiment.
-
RENT: If men can do it, so can we. Stores like Rent the Runway allow you to rent high end dresses and pieces that are appropriate for work, and an evening out. Many do a monthly subscription to access everything Rent the Runway offers. I highly recommend Rent the Runway for those wanting to step their style game on a budget (I am not affiliated with them by any means).
Be sure to follow me on Instagram, Twitter, and like my Facebook page.
- Hello everyone. Today I'm sharing my relationship with debt and how I managed to save slowing to purchasing two homes. We're also discussing what YOUR relationship with debt looks like and how to get this money right! You can do it you can do it you can do it!
DEBT: Borrowing money to leverage living additional expensive
- Getting money with a catch
- The Basics of Borrowing
- You need something but have no financial ability to pay so you borrow money with a catch
- Like saying it will cost you $500 to borrow $20 from me
- The price attached with that is interest
- Percentage of cost
- Companies want you to pay the minimum balances- they earn more money
- Interest Varies: Rate
- Based on Credit History
- Credit Score
- Credit Score!
- Based on history, a Report Card for your finances
- Credit Score Breakdown
- Credit Score Depends on the Following Factors:
- Credit History
- Payment
- Debt
- Credit Accounts Opened
- Public Records
- Inquiries
- The Way to Begin Credit Repair is to look at the three Credit Agencies
- Transunion
- Equifax
- Experian
- LOOK AT IT LOOK AT IT LOOK AT IT
- Where to start paying back:
- Debt has a priority on what to pay back
- What impacts your Credit Score:
- Settlements/Collections
Instagram & Twitter:
@stacksnthecity
Music:
Bensound.com
Today's episode features a phenomenal young woman named Courtney Sanders of the Think and Grow Chick. Courtney's platform provides mentorship, empowerment, financial advice, and entrepreneurship help to millennial women all over the world. Courtney managed to make a multiple six-figure salary with her Think and Grow Chick platform. Courtney's road to success didn't come simply; in fact, Courtney earned a full ride to Howard University only to lose her scholarship the following year. Find out Courtney's wake up call, and her relentless drive to educate and elevate her financial position.
Key Takeaways:
The Side Hustle is Real:
Courtney managed to use odd jobs, waiting tables, and selling unused belongings to pay off credit card debt. Courtney humbled herself to use her drive to earn money and advance her financial position.
To What Extent Do Our Financial Purchases Appease Others?
Courtney said much of her consumer debt stemmed from delivery services and buying clothes to stay in fashion. It makes us both question to what extent do we make purchases to help elevate our social status or to show others that we "have money". Do we make purchases to show status and put on appearances?
The Story of Babylon
Courtney discussed a part from The Story of Babylon that she keeps with her to this day: for every dollar you make, keep ten cents. In other words, save 10% of every dollar you earn. To this day Courtney uses this mantra in both her business and personal finances.
It has been such an honor to interview Courtney. Thank you so much for the opportunity!
Follow Courtney:
@thinkngrowchick
Follow Ashley:
@stacksnthecity
Music: Bensound.com
Good morning everyone and thank you again for listening to yet another fantastic episode of Stacks and the City. Today we have Mr. Andre Albritton of The Millennials Next Door. Some highlights of his episode include:
The Concept of a Millionaire:
According to the Thomas J Stanley's book The Millionaire Next Door, most millionaires aren't driving flashy cars and living in penthouse suites. In fact, most are business owners and regular people who do plumbing, contracting, and ‘regular’ work. They keep the money they earn and acquire their money.
Financially Conscious Thinking:
Andre believes if you think about your items you want to buy before you purchase, you will make more financially responsible choices. Instead of ordering the Uber X, financially conscious thinkers will evaluate choosing the Uber X while considering the cheaper options.
Zombies:
Zombies are Americans who don’t have $1,000 for an emergency fund and continually spend money they may or may not have.
Dave Ramsey:
This man is THE financial guru. His tips from debt snowballing to the 7 baby steps have helped countless people get out of debt. Check him out here.
LIVE BELOW YOUR MEANS:Get out of the habit of spending more than what you earn, relying on credit cards (i.e. other people’s money to get your money to pay for discretionary items), or trying to put on heirs for others when your bank account is on empty. The true test of coin collection isn’t about the money you EARN, it about the money you KEEP. What’s your net worth?
Thank you again for listening and being such an amazing audience. I look forward to hearing from ya’ll soon!
Follow Andre Albritton:
@themillennialsnextdoor
Follow Ashley:
@stacksnthecity
Music:
bensound.com
Hello my CEOs! Today’s CEO Spotlight features a Naseema McElroy, a delivery nurse who managed to pay off shy of ONE MILLIONS DOLLARS of debt in under TWO YEARS! Her feat allowed her to become one step closer to financial independence and inspired her to start Financially Intentional, a brand dedicated to helping other women get out of debt and live a financially stress-free life. Below are some key takeaways from the show:
Taking Control:
Naseema decided that she told bill collectors, students loans, and car notes how she planned to spend HER money- not the other ways around.
Dave Ramsey:
Naseema credits a huge reason for her accomplishment to finance guru Dave Ramsey. His podcast and ‘Baby Steps’ program changed her mindset to getting her money right. Check out Dave Ramsey's website for his money saving tips!
Getting Out of Your Comfort Zone:
Naseema said that making herself uncomfortable was an extremely important part of her journey to financial freedom. Doing some aspects of her life differently helped her in the long run. Sometimes your comfort zone isn’t the best for you- but it is the life you’re accustomed to living.
Many many special thanks to Naseema for sharing such a powerful and touching story. Take a look at Financially Intentional and follow Naseema @financiallyintentional and get your coins on track. YOU CAN DO IT.
Follow Naseema:
@Financiallyintentional
Follow Me:
@stacksnthecity
Music:
Bensound.com
Good morning everyone! Today is the FIRST day of August and what better way to commemorate going back to school, kickstarting a new year, or rounding off our summer than by talking about debt. This is the FIRST episode of It Won't Yours To Begin With month. We are talking about things debt, paying back money, and how to prevent yourself from getting into debt when thinking about college. I am absolutely looking forward to talking about the greatness that is this money!
Proper Money/Debt Management belies in the four following principles:
Planning:
As long as YOU control where you money goes, YOU have a plan. Planning for future expenses means you create a blueprint for where these coins get allocated.
Education:
We have to learn ways to properly get this money. Just because our parents or schools didn't teach us how to get this money doesn't make it a proper excuse to not learn. The information overload age makes it possible to learn everything from credit card repayment, to budgeting, to investing, to saving. The (free) information is there if you want it.
Discipline:
How focused are you to achieving your goals? Getting this money is about more than doing prep work. Stay focused on your goal. Persistence wins the race.
Sacrifice:
What are you willing to temporarily give up for a life of relaxation, choices, and opportunity? It may staying in more, getting creative with outfits, or learning to say no to friends and colleagues. Sacrifice is an investment for your long term happiness.
Thank you again for listening in! I can't wait to see you all next week!
Instagram and Twitter: @stacksnthecity
Music: Bensound.com
Today’s CEO Spotlight features Maya Mitchell of Ms. Young Homeowner. Maya, along with four other under 25-somethings, decided to create a platform to share stories, provide advice, and offer inspiration to other young women on the pursuit of homeownership. Season 1 of Ms. Young Homeowner premiers on YouTube August 2nd and strives to deliver concrete advice on the homeownership process.
Show Notes:
- E Trade: Maya speaks of being a conscientious consumer- that is, one who purchases commodities, but also invests and owns pieces of what she buys. She opened an Etrade investment account to invest in companies she regularly purchased from. Apparently it’s as easy as opening a Facebook account! Do it do it do it!
- Research: Everything Maya does uses may references. From the Wall Street Journal, to asking friends, to Googling, Maya used all of her resources to make informed decisions with her investments and homeownership process.
- Being RESOURCEFUL not HAVING RESOURCES: It’s not about what you have but what you DO with what you have. Maya has been blessed with opportunities to become a homeowner but she used them to her advantage. Take time to look at the opportunities and advantages you have in your life. We all have some. Be resourceful in each circumstance you have.
Thank you again for tuning in. Stay fabulous!
Follow Maya and Ms. Young Homeowner:
Instagam and Twitter: @__Myho
Follow Me!
Instagram and Twitter: @stacksnthecity
Music: bensound.com
Good morning my wonderful CEOs! Today’s CEO Spotlight features Millennial Finance Coach, Entrepreneur, Speaker and Founder of Finances De-mys-ti-fied & The Social Money Tour. Domonique worked at top investment firms such as UBS Financial Services and Edelman Financial Services before realizing that she could better impact her community through entrepreneurship. Dominique strives to educate and encourage people to take control of their money. Her story on entrepreneurship, money, and homeownership at age 22 offers insight to getting what you want in your life.
Key Takeaways from this episode:
- Get goals! Getting what you want requires planning and working to make your Dreams2Reality.
- Be More Resourceful than Wealthy! The most successful people are able to use their resources to their advantage.
- The Neighborhood Assistance Corporation of American (NACA) is a homeownership organization that provides down payment assistance for first-time homeowners. More information is located here.
- Spend money smartly! Dominque managed to learn how to save and spend money purposefully.
- Is Kylie Jenner truly self-made?
- I am teaming with top Real Estate Agent Alex Sardegna and leading lender Troy Toureau of McLean Mortgage Corporation to give the rundown on homeownership. We will be there July 26th at 6:00pm. Attendance is FREE. Sign Up Here.
Thank you again! I absolutely look forward to seeing and meeting you all! As always, please subscribe and rate my show! Let me know what you think!
The Socials:
Instagram and Twitter: @stacksnthecity
Music:
bensound.com
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So you want to be a homeowner eh? Here are my Top Ten Tips to helping you achieve homeownership from point A to ‘I got the keys’.
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Why do you want to buy a home?
Is this something that you want to do because of others? To flex for the ‘gram? Because ‘everyone else is doing it’? You’re probably not ready to buy a home. Homeownership is a personal choice. DFo you want to start building wealth? Buy an investment home? Want the tax benefits? If that’s the case, then you may be ready for homeownership. - Get your money right!!!!
Homeownership is a NUMBERS game. This is not House Hunters. Homeownership is 90% financial and 10% searching for a home! The better your credit score and cash, the easier (and cheaper) your homeownership process will be. - Have Coin!
You need to have some money down to buy your home. Not only are you paying for the down payment for your home, but you also need to factor in inspection, titles, insurance, and commissions for your Real Estate Agent
- Find a Real Estate Agent and get a Preapproval
You can find a Real Estate Agent through Zillow, Yelp, referrals, in restaurants- they’re everywhere! However, the key is to find an agent that has your best interests in mind. It is all about relationship building. Additionally, this person will connect you to a proper lender for a preapproval- this is essentially how much the bank is likely to lend you if you applied for a loan. So no, the $700,000 house on Zillow may not be yours- yet. - Start Searching!!
Look for your dream home!! Pretend like you’re on TV and be great! - Place an Offer
If you find a home you’re in love with, work with your agent to make a competitive offer. - Apply for a Loan
You have 30 days to formally apply for your loan- or mortgage. You need to have allllll of the financial documents in place again to apply for a loan. You want this part to be organized, and seamless. They monitor all accounts! - Get an inspection for your home
Someone should come to make sure that your home is livable. If there are serious issues with your home you can include in the deal to either - Set a Date
You want to find an official date where you, your Real Estate Agent, and a Title Attorney all sit down and go over documents to transfer the deed (rights of ownership) to you. - Get to the Signing!!
This is the date that has been a long time coming. You’re essentially signing away your life and officially becoming a homeowner! After this process you’ll have the keys to YOUR house to do whatever you choose!! CONGRATS!!!!
Instagram & Twitter: @stacksnthecity
Music: Bensound.com
Happy Independence Day, ya’ll!! This is homeownership month! In this episode, I’m going to discuss my real estate journey from owning not one, but TWO condos in one of the most expensive cities in the country! Find out how the expensive mistakes I made with property number one, ways I saved for a downpayment, and how I used my savings to put a downpayment on yet another condo. We’re going to talk about getting this money ya’ll.
It’s our first installment of Ask Ashley! Thank you so much for you submissions and questions. Keep them coming!
What are some effective ways to improve your credit score?
If you want to improve your credit score you have to know your credit score. You can get your report from three different credit bureaus- Experian, Equifax and Transition. They show exactly how much you owe and who you owe. I would also recommend downloading the Credit Karma app. The app shows credit scores from all three credit bureaus so you can work on repairing credit. I would focus on paying off collections, IRS/Government related taxes first and then work on credit card debt. Pay small balances first and then those with high interest rates.
What are some good interest rates? Should I negotiate or shop around?
For interest rates (at least in regards to housing), in my experience, I’d say stop around. The better your credit score, the more competitive homeownership rate you’ll get. Good credit scores always win!
What are some good reads for financial literacy?
I love finance blogs! I know I mentioned Investopedia, but I also want to mention J Money's Budgets are Sexy blog.
What does saving look like for different budgets?
At the end of the day, it isn’t about how much your earn, it’s about your mentality is like. It doesn’t matter if you make 6 figures or $20,000 annually, how do you approach you finances? Are you a natural saver or spender? Mentality doesn’t have a salary!
How can I be serious about retirement when it’s so far away?
I wouldn’t say you have to be super serious about it now, but i would say just put something away. Contribute to your 401(k) as soon as you can. A little bit goes a long way!
I cut out all my extra spending and paid my bills on time. What should I do now? Should I save on get rid of debt?
Focus on both! Saving is number one, but start small with savings. If you’re a natural spender, start with $10 to get automatically deducted per paycheck into a completely separate bank account that you have NO access to. From there, work on getting rid of some debt. Use an app like Credit Karma to see exactly what you owe.
How many bank accounts should I have?
It depends! If you’re a natural spender, have a checking account where you have your general spending and discretionary income, and a completely separate account where you have any savings that you can’t access.
Any leads on the best credit lenders?
Firs
This week features our first CEO Spotlight, where we highlight movers, shakers, and innovators in their respected fields. Today we have Laurie Nicolas of Pink Sunday, a not-for-profit organization established to promote wellness and health amongst women. Find out how Laurie got into credit card debt, and used her knowledge and resources to get out of debt and become an advocate for personal finance for women. HUGE thanks for Laurie sharing her story!
This edition of Cosmos and Convo features a fashionista, a preschool teacher, and a savvy spender together to discuss their perspectives on budgeting and managing their finances. This episode tackles the struggle of splitting checks at restaurants, prioritizing paying Pepco, and the importance Divine Intervention for impulse purchases.
Today's Panelists Feature:
Tiffany Ingram, a savvy young professional and PhD candidate who provides career and fashion advice to inspire Millennial women to look fabulous both in the workplace and on the weekend. She created the blog Policy and Fashion out of a need to help young women decode the "unwritten" rules of the workplace and learn how to cultivate meaningful relationships to excel their careers. She works to motivate women of all shapes and sizes to be confident and stand in their power with style and grace.
Instagram and Twitter: @policyandfashion
Shanelle Robertson, a southern gal who loves food, adventure and family. She is a graduate of The University of North Carolina at Chapel Hill with a B.A. in Psychology and Sociology with a Minor in Social and Economic Justice. She has spent the last 5 years working in urban education through an AmeriCorps Program called City Year. Her experience led her to recently switch careers to Community Organizing around affordable housing and combating gentrification in DC. Shanelle is passionate about helping the people around her realize their dreams and achieve financial freedom, while dismantling the systems of oppression ;) More information available here.
Instagram: @thefreetruthmvmt
Patrice Davenport, a graduate student and preschool educator at Friendship Public Charter Schools in Southeast Washington, DC. Patrice has worked as an educator for over six years, impassioned in helping toddlers from economically disadvantaged communities maximize their intelligence and potential. Patrice's exceptional work in the school earned her a nomination as 2018 Teacher of the Year.
Hey ya'll! We are continuing the conversation with budgeting month. Keep in mind that a budget is something that you create for yourself. Make sure you create a blueprint and guide for a financial plan that works best with your lifestyle. Regardless of how it’s done, you have to have a plan!
Budgeting Baseline: Stacks and the City Style
1) Income:
Ya’ll already know what this is: the money that goes in to your account. This can be paychecks, residual income, alimony, sugar daddy money- get it how you get it. Income makes your bank accounts grow.
2) Outcome:
This is the money that goes out of your account. Subtraction and deduction. Where does your money go out each month? Who gets what? Outcomes make your bank account small.
Understanding the careful balance between the two is essential for growing and building your account. Remember- you want more money coming IN and going OUT.
3) Fixed vs. Variable Costs:
Fixed Costs: Tried and true expenses- bills that come every month that generally have a FIXED amount. Think Rent/Mortgage, car notes, debt repayment etc…
Variable Costs: This is more of your discretionary income. Think gas, groceries, shopping, eating out. The amount of money you spend VARIES by month.
Organizing your finances is paramount to generating and building wealth. Make a T-Chart with one side FIXED costs and the other side VARIABLE costs. Think about who you give your money to each month and write it in one of the slots.
4) Time to Divide: The Pie Chart:
There are various methods to dividing how much you should be allocating funds to but my favorite and most comprehensive one is absolutely Senator Elizabeth Warren’s 50/30/20 rule. She suggests 50% of your finances go toward needs 30% goes toward wants and the 20% goes toward savings/debt repayment. Evaluate your lifestyle choices and fill what should go where. More information on her 50/30/20 rule below:
https://blog.mint.com/saving/the-minimalist-guide-to-budgeting-in-your-20s-072016/ https://www.forbes.com/sites/trulia/2016/07/11/new-to-budgeting-why-you-should-try-the-50-20-30-rule/#123583b032e9
5) LOOK WITHIN!
There are two parts to this: Look at your account balance, credit card statements, banks statements, ev-er-y-thing. Don’t be afraid! Look at patterns and see what you bought that you don’t remember and if it was even worth dropping the coin.
Look at yourself. Evaluate why you want to educate and improve your finances. What does financial independence look like to you? Does it mean saving for a trip? Paying down debt? Not living paycheck to paycheck? Think about what you want to accomplish and make it nasty. J
Today's episode delves into the mentality needed to frame (and keep) a proper budget. It's about allocating these coins ya'll!
The convo was so great that we had to do it again. Sit in on the conversations with Yasmin, Charisse (and myself) as we delve into the different perspectives of saving the coins. Find out what my panelists think about accruing debt for the millennial, if education enhances or depletes our livelihood, and the importance of family for financial success.
Instagram:
@Stacksnthecity
Twitter:
@Stacksnthecity
Music: Bensound.com
Today's episode I'm not alone- I'm sharing the mic with two extremely talented, focused and gritty Washington Women. Each woman comes from different financial backgrounds and shares their unique experiences and perspectives on personal finance topics that affect the millennial woman. Find out how we feel about the relationship between Social Media and Finance, the seemingly unattainable goal of homeownership, and why Fashion Nova won't let me be great. Infinite thanks to my special guests Yasmin Rigney, Legislative Assistant to Senator Kamala Harris, and Charisse Sobers, Senior Treasury Analyst for Park Hotels and Resorts.
Instagram:
@stacksnthecity
Twitter:
@stacksnthecity
Music: Bensound.com
In order to get (and keep) this money, there are questions you have to ask yourself in order to evaluate your overall attitude about money. This episode delves into this concept by asking three questions:
1) What is your overall attitude about money?
Are you a natural saver or spender?
2) Where do these attitudes toward money originate from?
In what ways did you environment/upbringing influence your attitudes about money?
3) What can we do to improve your approach toward money?
Spend less? Save more?
Understanding your overall Financial Philosophy will give direction to best ways to improve your money habits.
Contact Me:
Instagram: @stacksnthecity
Twitter: @stacksnthecity
Music: Bensound.com
Get to know Ashley, the show's host. Find out how Ashley grew up from a young girl living in the backwoods of rural North Carolina to a powerhouse woman in the making with multiple streams of income, two properties, and a story to share.
Twitter: @stacksnthecity
Instagram: @stacksnthecity
Music: bensound.com