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bilibili_data_22095156_BV19a4y1q7Yz_p150_BV19a4y1q7Yz_p150_m4-dialogue_0818821
[S1] So I see the world as shame. I see the world as guilt. I see the world of I, I can never be enough. [S2] Mm-hmm. [S1] Because of my past. And I would tell the person listening to this right now, just because you have some bad chapters, like, listen to me, just because you have some bad chapters doesn't mean your s...
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bilibili_data_22095156_BV19a4y1q7Yz_p150_BV19a4y1q7Yz_p150_m4-dialogue_0818822
[S1] You tell people how to treat you by what you continuously accept. I'm a believer, and I'm sure there's exceptions to certain rules that people will consistently and continuously give you what you allow them to give you. I believe that you're in control of two things in this world. [S2] What are they? [S1] What you...
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bilibili_data_22095156_BV19a4y1q7Yz_p150_BV19a4y1q7Yz_p150_m4-dialogue_0818823
[S1] So if I was like male, you know, this is a cup of poison, drink it. Like, like you wouldn't accept that. And it's crazy because I feel like emotionally we accept so many emotional poisons in our life that we don't have to accept. Nobody can force you to accept it. And the first thing it starts with, again, we go b...
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bilibili_data_22095156_BV19a4y1q7Yz_p150_BV19a4y1q7Yz_p150_m4-dialogue_0818824
[S1] Boundaries are not walls. [S2] They're not walls to keep things out. It can be, if somebody makes it a wall, where they disrespect your boundary over and over, then it becomes a wall, like, "Hey, I'm blocking you from my phone. Leave me alone." [S1] Right. [S2] I'm blocking you. But boundaries aren't walls to keep...
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bilibili_data_22095156_BV19a4y1q7Yz_p150_BV19a4y1q7Yz_p150_m4-dialogue_0818825
[S1] ... then set a boundary. Hey, you know what? If you're not gonna take my advice, don't call me no more with your problems. If I can't call you at two a.m., I call you. You sleep. I get the do not disturb. [S2] [LAUGHS] [S1] Then set that boundary. And boundaries aren't a mean thing. It's a necessary thing to prote...
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bilibili_data_22095156_BV19a4y1q7Yz_p150_BV19a4y1q7Yz_p150_m4-dialogue_0818826
[S1] ... to bring this back, set boundaries and look at boundaries as bridges. And I think it will change your life when you ask yourself what you need. Can I give them a three step process with that? [S2] Please, let's go. [S1] Number one, when you're setting boundaries, first ask yourself, what do you need in your li...
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[S1] Thank you for saying you're proud of us. [S2] For sure. It's a lot. [S1] Yeah. And I, I loved what you said about you're doing things that you're not getting credit for. [S2] Yeah. [S1] Whether you're a parent or not, I think recognizing that in yourself, that you are showing up, that you're a good person, and tha...
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bilibili_data_22095156_BV19a4y1q7Yz_p150_BV19a4y1q7Yz_p150_m4-dialogue_0818828
[S1] But if you just stop, reflect, and pause right now and said, "I am purpose," say that, "I am purpose," and really believe that, you'll make impact in this world greater than anything that could ever be measured. [S2] Incredible. What message do you have for someone who needs to exit a toxic relationship? [S1] Leav...
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bilibili_data_22095156_BV19a4y1q7Yz_p150_BV19a4y1q7Yz_p150_m4-dialogue_0818829
[S1] And I notice it's kind of harsh, but you deserve exactly what you settled for. I believe you deserve more, but you got to believe that yourself and go get it. [S2] Trent, um, I, I just, I, I feel like everybody listening is going to go, "This is exactly what I needed to hear." You know, you talked about a magnet a...
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[S1] Like you embody it. And it's just a unbelievable gift to be able to experience it. [S2] Thank you. [S1] Um, for someone who feels like their current situation is the final destination for them, that they're stuck, what is your message to them? [S2] Give tomorrow a chance. That's what I would tell you. Your current...
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[S1] I'm so excited to be here, Mel. I would love to just jump in and talk about your story with money. And first of all, I want to offer up that your story is very common. That, you know, you are not the exception, but the rules. So many of us, especially when we're younger, struggle with our financial relationship wi...
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[S1] And you've helped as many people as you've helped. [S2] Yeah. [S1] I would imagine that you hear some of the same things. [S2] Yeah. [S1] Whether it's fear or shame. What is something that you want someone to know?
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[S1] Well, one, I want you to know that it is quite possible. If you can hear the sound of my voice, it means that you are still currently here. [S2] Yes. [S1] And because you're still currently here, then you can turn around whatever situation or circumstance that you're in, I promise you. You know? [S2] Awesome. [S1]...
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[S1] I feel like I was born into the budget-nista. I'm one of five girls. [S2] Uh-huh. [S1] And my parents are both immigrants from Nigeria. And my dad especially was really focused on teaching his girls about money. [S2] Okay. [S1] He was an accountant. He has his, um, bachelor's in economics, his master's in finance....
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[S1] Wow. [S2] You know? And honestly, when you're a kid, you think like whatever is, happens in your home is like, that's what happens everywhere. It wasn't until probably middle school and I'm like, "You guys don't, you don't have money class?" [S1] [LAUGHS] [S2] [LAUGHS] 'Cause my dad let us know this is normal. Eve...
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[S1] of money because we talked about it so openly. [S2] Okay. [S1] Like he would leave the light bill on the dining room table, which was central in our house, our dining room, and he would say, "If the light bill goes down, we can put money into our, our traveling fund and we can go to Disney."
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[S1] You know what? I'm stealing that right now. [S2] [LAUGHS] Yeah. [S1] No, I'm serious because I think as a parent, having an 18-year-old son, like I come downstairs in the morning and if he's the last one up, it's like every light- [S2] Yes. [S1] ... in the house is on and you can say it intellectually. [S2] Yes. [...
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[S1] ... to your dad. [S2] [LAUGHS] 'Cause one of the things that he understood and, is that kids don't care about your bills. I don't care if your kid is 30 or three. [S1] True. [S2] They don't care about your bills. What they do care about is what's important to them. And so if you can link your bills to what's impor...
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[S1] And then all of a sudden, even for yourself, like money for money's sake is usually not motivation enough. [S2] Yeah. [S1] You know, matching it to a thing, vacation, less work, more time with family. If you can match it to something that's important, then it's easier to stick to the money goal. [S2] Interesting. ...
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[S1] Well, I was financially, quote, unquote, perfect until about 25, 26, because I just did what my parents told me to do. [S2] Okay. [S1] That's around that age. [S2] Gotcha. [S1] You know, you start, um, old people call it smelling yourself. When you're like, "I'm grown, I can do what I want." [S2] [LAUGHS]
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[S1] And so, um, but I was really good at savings. I went to, to school for business. [S2] Uh-huh. [S1] Um, and I hated all my internships 'cause I'm fun. And it was like, I'm dying here. [S2] Yes. [S1] And so I decided I wanted to teach because I loved kids, and I thought, "I think I wanna be a teacher, but I don't wa...
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[S1] I was the best. I'm not gonna lie. Everybody loved Ms. Tiffany. [S2] [LAUGHS] [S1] I mean, [LAUGHS] 'cause I was like 21 and I had a ball. [S2] Okay. [S1] Teaching. [S2] So you're, you are following the advice of your parents. [S1] Mm-hmm. [S2] You are working the systems. You are able to do a job that you love. [...
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[S1] ... all the boxes, what happened? [S2] I just, saving, saving, saving. [S1] Okay. [S2] 'Cause I lived home for the first year. [S1] Smart. [S2] And my dad showed me how to do my own taxes. Um, so much so that I was so good at, like, budgeting and, and managing money that I would show the other teachers. [S1] Yeah....
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[S1] Just like teaching kids. I like teaching this too. [S2] Right. Okay. [S1] You know? [S2] That's super cool. [S1] You know? And then I want to say about 25, that's when I said, "I don't actually want your advice anymore because I'm an adult." [S2] You mean your father's advice. [S1] Yeah. [S2] Okay. [S1] Yeah.
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[S1] I'm an adult. I have it. I have it. [S2] Uh-huh. [S1] Um, and so it was then that I decided to go back for my master's in education. [S2] Yeah. [S1] I thought maybe I'd be a principal. So all of a sudden I went- [S2] Well, you'd be a great principal too. [S1] Well, you know, I don't know because I feel like you pu...
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[S1] So, so I didn't have undergraduate loans. My parents helped and, and I lived at home part of the time. [S2] Yeah. [S1] So I didn't have student loans. [S2] Okay, so now you're 26, you got $50,000 in student loans. [S1] In student loans, yes. [S2] Uh-huh. [S1] And then-
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[S1] Uh-huh. [S2] And then too, around that time I said, you know, I had $30,000 saved. [S1] Yeah. [S2] Because although I was, um, working and making, by then about $50,000 a year as a teacher, I was really good at side hustling. I, I babysat, I tutored, and so I saved about $30,000 and I said- [S1] Amazing. [S2] ... ...
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[S1] Yes. [S2] Yes. [S1] Yeah, so I bought- [S2] That was when it all happened to me, too. [S1] So I bought it in 2006, right? [S2] Yep. [S1] So I paid $220 for the condo, and I was like, "No problem. I've got a good job." And then I thought, "I wanna learn how to, like, be rich." And I had a friend, air quotes, who I ...
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[S1] I did not know. Yes. [S2] Wait, so this was a guy who basically told you to take out credit cards- [S1] Yes. [S2] ... get a cash advance on the credit cards. [S1] Yes. Give him the money and he was gonna invest it for me. [S2] Oh, man. [S1] [LAUGHS] But at the time, I just, I was like, "But he's rich. He wouldn't ...
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[S1] 'Cause he then took your $15,000 or $20,000- [S2] Yes. [S1] ... and then, like, bought more nice clothes- [S2] Yes. [S1] ... and then went on to the next person. [S2] Yes. [S1] Wow. [S2] Yeah. So I, but I didn't know at first because, and even thinking about the terms, it was, "This $15,000 is gonna yield you $2,0...
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[S1] I'm in. So because I thought I'm about to be rich, I had these credit cards that still, because I had such great credit. [S2] Yeah. [S1] I had these credit cards that I'd never thought about using credit cards before, but I'm like, "Since I'm gonna be rich, let me start using them." I ran up another 15,000 on the ...
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[S1] I can only imagine. [S2] ... interest? [S1] Yes. [S2] Holy smokes. [S1] So now I've got $50,000 in, in, um, student loan debt, $220,000 a mortgage, $30,000 credit card debt. Literally the year before, debt-free. And I was just happy as a clam. Doo-doo-doo, 'cause, you know, like, you're just a little fool. Like, "...
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[S1] He instead would be like, "You didn't get the deposit? I sent it. Call your bank." So it, he went, took me through- [S2] So now he's gaslighting you. [S1] I didn't have the word for it then, and I'd be like, "Bank, you know, did you get the money?" And they were like, "No." Um, so he did that for a few months, and...
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[S1] ... you're a really good saver, a really good budgeter, and so you're just going that, you know, babysit, tutor, and your job, and you're just gonna pay this debt down. [S2] You're gonna chip away at it. [S1] Yes. [S2] And you're not gonna tell anybody. [S1] Yes. And then the recession hit, and people were losing ...
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[S1] And she was like, "Honestly, Tiffany, what's the worst case scenario?" And I was like, "I don't know. I guess I'd lose my condo." [S2] Yeah. [S1] And she's like, "Well, what would happen then?" I'm like, "I guess I would have to tell Mommy and Daddy." I moved back home, and she was like, "Well, why wait? I think y...
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[S1] But he didn't know why I was back. 'Cause he knew it was like a recession, and he didn't know, he didn't know that I lost my job. So he just, he just assumed I was trying to save money. [S2] Right. [S1] But I didn't want him to know all the other shenanigans surrounding- [S2] So did you lose the condo too? [S1] Ye...
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[S1] Yes. [S2] Indeed it can. So I ended up losing my condo to foreclosure. I tried to keep up with the mortgage until my retirement account was, was emptied. So now I have no retirement account. I lost my condo. I still owe all this money, and now I'm living back home with two Nigerian parents who think, like, I'm in ...
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[S1] Yes. I had a sister who was still in high school. They're like, "We don't want you coming in and out." [S2] Yeah. [S1] Like, "Her, her rules are your rules." I was like, "Wait, what?" [S2] Yeah. [S1] And so I stayed there 'til I was 29, and on my 29th, going on 30th birthday, I remember laying in my middle school ...
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[S1] ... cool teen, like, spot in the basement. And she was like, "I don't care if you're home. Go live upstairs with Mommy and Daddy." [S2] Yeah. [S1] And I remember laying in my middle school bed, tears streaming down the sides of my face, and I thought, "I had more money the last time I laid in this bed, when I was,...
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[S1] I walked dogs. [S2] Oh, yeah. [S1] And I was, like, I had more money then. I had maybe, like, $3,000 or $4,000 save then that I do now at 30. And I was calling myself every loser. Like, just talking to myself in a way that I would never let anyone talk to me. And it was, I was filled with such shame- [S2] Yeah. [S...
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[S1] If you knew Linda, you'd be like, 'cause that's Linda. And she was like, "So I'm calling you from my mother's couch." She's like, "Girl, we're all broke. It's the recession." [S2] [LAUGHS] [S1] And I started laughing and she started laughing and it was like the first laugh I had in a long time. But she was like, "...
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[S1] ... been in my, uh, circle of friends then because I needed somebody to tell me that. [S2] Yes. [S1] As, you know, we were about to lose the house and- [S2] It's hard. [S1] ... and, like, really hard 'cause you think you're the only one. [S2] Only one. Yeah. [S1] I mean, the recession isn't your fault. [S2] Yeah. ...
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[S1] You tend to say to yourself, "I did this." [S2] Yes. Yes. [S1] So what did you do? [S2] So what, one, I realized that, so Linda allowed me to shed some of the shame. [S1] Yes. [S2] And shame shielded solutions. It was like- [S1] Ooh, say that again. I love that. [S2] So shame, I realized, shielded solutions. And w...
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[S1] And she was like, "Damn." 'Cause once she tells someone, then she's gonna realize she's not the only one. [S2] Yes. [S1] And then we're not the only ones here, and then I have to leave. [S2] Yes. [S1] And so once I told Linda, and Linda's reaction was like, "Is that it?" Then I told someone else, and they were lik...
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[S1] And that what I'm going through can actually be helpful to other people because I'm not coming to them as like Pollyanna Perfect. [S2] Right. [S1] 'Cause they're like, "Me too." [S2] Yeah. [S1] So we're just all whispering, "Me too." Before you know, the whispers are loud and we're all like, "Me too." Now let's ge...
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[S1] ... took all my credit cards and put it on a balance transfer card. Thankfully, before the foreclosure and things hit, and my credit score would not allow me to do that. [S2] Okay. [S1] So that was one. Two, I was like, "I cannot live here with my parents. I mean, I need, like,
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[S1] ... to go. So I then traded my parents' house for my sister's, um, couch, you know, which I know everyone is not able to do. [S2] Right. [S1] You know, but I was fortunate enough to be able to sleep on her couch, um, for a while. And I started to look for side hustles that were aligned with either my degree or wha...
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[S1] Is that you? But it's like, like I have asthma. I was like, "You're gonna need that pump." [S2] Yes, yes. [S1] And things that I must have. And so everyone else, I was scared, but when you have, like, I always tell people, "Get yourself a Linda." So Linda used to sit next to me on the couch and we would open up ma...
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[S1] So that helped a lot because I was never going to open, you know, those letters. [S2] Well, can we stop right there? We're going to get to the five- [S1] Yes. [S2] ... categories of taking control of your financial life- [S1] Mm-hmm. [S2] ... in just a minute. But can we just hover for a second- [S1] Mm-hmm. [S2] ...
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[S1] You have helped two million people. [S2] Mm-hmm. [S1] Talk to me about why it is so hard to open your bills or look at your bank statement.
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[S1] Because you, there is an African saying that says, "Fear makes the wolf bigger than he is." [S2] Oh. [S1] And so your fear is enhancing what's on the other side. It's rarely ever as big as you think. You know, you're like, "I know on the other side of this door, the wolf is huge. He's gnarling. He's foaming at the...
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[S1] ... topics that I hate when it comes to money. This is number one of the five things you're gonna help us master, Tiffany, and it is budget. [S2] Yes. [S1] It's in your name, budget-nista. [S2] [LAUGHS] [S1] I hate that word, budget. I hate that word, budget. I feel like budget is a punishment. It's a diet. I don'...
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[S1] ... we need a budget, and let's talk budget. [S2] I want you to think about a budget the way, what I say is like how you think about like your mom, right? So you've got three kids, right? [S1] Yeah. [S2] And so if like, say your son's like, oh, when he's little, you know, "Mom, can I have dessert?" You'd say yes a...
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[S1] You know, or, you know, mom, can we go on vacation? Yes, if we lower this, this, you know, the light bill. So your budget is like your mom. She's there to say yes, when, if, after. So it's really a say yes plan, but one that's safely implemented so you can maintain the thing that you want, right? [S2] Okay. [S1] S...
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[S1] ... a budget. [S2] Okay. I love this refrain because I hear the word budget and I hear no in restriction. [S1] Mm-hmm. [S2] And you're saying no, that the budget- [S1] Mm-hmm. [S2] ... is how you say yes to what's important to you. [S1] Yes. It's not there actually to tell me no. It's there to find the yes in the ...
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[S1] I've never stuck to one. [S2] Mm-hmm. [S1] I don't know what my budget should be. Like, where do you begin? [S2] Step one is to write everything down, just the words of, "What do I spend money on?" Don't think about the month, just in general. So it's like, "Oh, the kids. Oh, credit card. Oh, grooming. Going out."...
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[S1] ... these words on my money list, how much am I spending approximately monthly? Some stuff you'll know, like your mortgage or your rent. Some stuff you might not be sure, go pull out your bank statement and see on average the last few months how much you're spending on, on groceries or eating out or grooming. [S2]...
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[S1] ... that you don't even really think, "Oh my God, I got that bill." [S2] Exactly. So then that's within a month frame on average, right? [S1] Yeah. [S2] So that's step two. [S1] Okay. [S2] Then step three is to write down how much you make on average every month from all of your areas. So maybe you get alimony, ma...
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[S1] I have a tissue. [S2] And should you do this with a friend? [S1] Yes. [S2] Should we call Linda? [S1] Yes. [S2] Okay. [S1] Get yourself a Linda. So, so literally, so I, when I used to do one-on-ones, we would do all of that and people would be like, "Okay." And then I, I would literally just grab a box of tissues ...
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[S1] ... 'cause, you know, they added up. I remember it was a nurse, oh, I'll never forget. Um, I'll call her B, and I came to her house, and it was beautiful condo. And so we did that step, and she started crying, and then I started crying, 'cause baby, I'm a baby. Um, and she was just, like, I didn't realize how much...
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[S1] A fan is fine. That tears and tissue step allows you to see what do you need to do now. [S2] And so, let's say you've done that, right? [S1] Mm-hmm. [S2] And you've made the money list. [S1] Mm-hmm. [S2] And you see what's coming in and what's coming out. You're like faced with the reality. [S1] Yeah. [S2] Tears a...
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[S1] What is the next step? [S2] The next step is I want you to categorize your expenses before you get to slashing and dashing, you know? 'Cause that's what people wanna do. I won't eat out, I won't- [S1] Yeah, I'm never gonna eat again. [S2] [LAUGHS] [S1] Never gonna turn the lights on in this house. Get the candles....
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[S1] And give me an example. I know that sounds like a, a basic question, but is your mortgage a bill? [S2] Yes, mortgage is a bill. Rent, um, car note, um, your credit card. [S1] Student loans. [S2] Student loans. So if you don't pay, you're likely to be sued. Think about that. [S1] Gotcha. [S2] Mm-hmm. [S1] Like when...
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[S1] Yes. [S2] That's a bill. [S1] Mm-hmm. [S2] Got it. Okay. [S1] So, a "B" next to all your bills. [S2] Okay. [S1] And then, um, and those are really like fixed expenses, so that way you understand, right? And then I want you to put a "U" in front of any beam that fluctuates based upon your usage. [S2] Oh, I love tha...
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[S1] Electricity. So your usage- [S2] Yes, the data on your phone. [S1] Yes.
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[S1] For many people, most of their money might be going to the B's and UB's. [S2] Uh-huh. [S1] But for some people, it's actually all the C's. [S2] Yes. [S1] So then I, then we have to identify, do you have a don't make enough issue or spend too much issue? And so if most of your money is going to the B's and UB's, yo...
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[S1] Because these are your bills, you know? [S2] Yeah. [S1] But if most of your money's going to your C's, your choices and your cash expenses, then you probably have a spend too much issue, so now we need to slash. [S2] Yes. [S1] You know, because it's entertainment and grocery and, and all those things where your mo...
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[S1] You know? You know, one of the things that I worry about, and I'd be curious to hear your perspective, is that you and I both had the experience of being in college. [S2] Mm-hmm. [S1] And it's that opening week. And literally at the opening registration fair, there were banks. [S2] Mm-hmm. [S1] With credit card ta...
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[S1] ... the fact that in today's world, particularly for people who are in their 20s and 30s, that social media has become like shopping with a click. [S2] Yeah. [S1] And you and I had to leave our house- [S2] Mm-hmm. [S1] ... to go spend money back in the day. [S2] Yeah. [S1] And when I,
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[S1] ... think about TikTok or Instagram. Every other freaking suggested thing has a shop now button. [S2] Mm-hmm. [S1] And stuff gets sent to your house. [S2] Mm-hmm. [S1] And have you seen-
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[S1] Over consumption is the new way. We all have so much that we don't need. I mean, even I, sometimes I'm like, "Tiffany, you do not need, like, another, like, you don't even vacuum." [S2] [LAUGHS] [S1] I'm like, "But that one is so cool." You know? And I'm like, like, "This is influential who I follow, who I love he...
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[S1] ... you, because you're human. [S2] Yeah. [S1] So we're not here to fight against your humanness. [S2] Right. [S1] You know? I'm like, for budgeting, for example, I do this thing where I call it budget without a budget. You go to HR, you say, "Hey, HR," or payroll, "I want to split my money before I get my money."...
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[S1] ... to savings. [S2] Wait, so everybody needs four accounts? [S1] Ideally, give or take. I mean, it depends on where you are, but this is, this is the ideal. Two checking.
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[S1] ... two savings. So checking one is kind of like your spending account. This is attached to your debit card. [S2] Okay. [S1] Right? So most people have this account, but everything just gets dumped there. [S2] Yes. [S1] You know? So that's the account, you keep it. The second account is a checking account, which i...
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[S1] So that's why you're going to do it from, like, I have payroll direct deposit into those accounts. [S2] Oh, so you, at your company- [S1] Company, yes. [S2] ... company level- [S1] Yes. [S2] ... you basically say- [S1] Mm-hmm. [S2] ... x percent- [S1] Yes. [S2] ... of my paycheck is going to go into checking accou...
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[S1] So the key is with that checking account, the second one, you are going to call the bank and say, "I do not want a debit card." I did not know that you could just opt out of a debit card. You can. [S2] But what do, what do I do if I need cash? [S1] Because you have your spending account. Because why are you swipin...
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[S1] work, work, work. And as long as there's balance in there, we're okay. [S2] Yeah. So I like to separate it because I'm like, I know that when I'm at Target, 'cause that's my favorite, I'm a swiping, [LAUGHS] that I know one thing, I'm not swiping my bill money because this debit card is not attached to my bills ac...
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[S1] You know? And so this is like that kind of like what I said, automate, automate, automate. You don't have to be as disciplined. [S2] Right. [S1] So savings one at a high-yield savings account. Typically, these are online-only banks, you know? They pay, right now, currently, maybe 4%, a little bit more. Um, and so ...
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[S1] So, no, 'cause that would be against, I mean, I mean, if they wanna go to like under the jail by federal government. [S2] Yes, okay. [S1] So you could honestly, a, a Google search, there are like a- [S2] We're also gonna link everybody, you know our resources are ro- bust. [S1] [LAUGHS] Mm-hmm. [S2] And today, the...
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[S1] You know what else I love about this approach? 'Cause you mentioned Target and, you know, we have a huge global audience, so just think about your favorite even, uh, place where you go to pick up your prescriptions or your local kind of pharmacy type store. When I walk in there, it's as if I have walked onto a gam...
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[S1] I feel like I need some hair rubber band things. And, you know, I need those little cotton things. [S2] Yes. [S1] I have that shit in my drawers. [S2] Yes. [S1] Like, I don't know why I, there's something about the psychology of that. So in your model, when you do your money list and the B's and the U's, and I wal...
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[S1] Yes. 'Cause all your money is literally squirreled away someplace else. You have a savings account for emergencies, you have a savings account for goals. I wanna buy a house, I wanna buy a car, I wanna invest in the market. We're gonna separate them because you don't wanna spend your emergencies on, on goals. That...
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[S1] I'm not doing all that. [S2] Yes. [S1] You know? [S2] Yes. You do it once, set it, and forget it. [S1] Yes. [S2] And now it's aligned with what you want. [S1] Yes. [S2] Do you have a guideline in terms of when somebody's making their money list, we got the B's, we got the U's, we got the C's. [S1] Mm-hmm. [S2] We'...
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[S1] ... of your income. [S2] Okay. [S1] That's ideal. Like, you might be at 99, that's okay. But this is what you're working toward. [S2] Okay. [S1] No more than 70%. [S2] Okay. [S1] Obviously, you make more, it might be even lower. Like, I think at this point, I might live off of 20 or 30%. [S2] Okay. [S1] At one poi...
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[S1] account and what's in your bills account, that would equate for 70% because that's living off of money. [S2] You know, I love that you just offered up though, this hope. [S1] Mm-hmm. [S2] Because what you just said to somebody who is in the place that you and I have both been in, which is your life costs
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[S1] Way more than you make. And you are also dealing with a mountain of debt. [S2] Mm-hmm. [S1] That there is hope for you. So if you make this money list, which is step one. [S2] Mm-hmm. [S1] Your B's, your U's, your C's. [S2] Mm-hmm. [S1] And you then look at it and you're like, "Oh, I'm screwed." [S2] Mm-hmm. [S1] ...
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[S1] ... covers your life. [S2] Yes. [S1] And the other 30%- [S2] Goes to savings and investing and, mm-hmm. [S1] Awesome. [S2] Yeah. [S1] And I cannot wait to go home and make a money list. Now, there are four other topics, Tiffany, that you're gonna help us master. And so, I don't want you listening to us to go anywh...
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[S1] Well, for debt, you have to, that's another kind of like list. So I just call it, just honestly like the debt list. We have to just get a picture, like what's happening here. [S2] Yes. [S1] Who do you owe? This is what's gonna go on your debt list. Who do you owe? How much do you owe? When is it due? What's the in...
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[S1] Exactly. [S2] So, yeah, so you, 'cause you have to get a pay. This is actually, sometimes it can be a little harder than the moneyless. [S1] Oh, I would think so. [S2] Yes. [S1] 'Cause I was, I, as I'm listening to you, I'm thinking to myself, I haven't even done this for myself. [S2] Yeah. To see, like, who do I ...
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[S1] Yeah. So just knowing, like, what those things are. And like I said, don't do it alone. You can literally have a party. It could be like, you know, like- [S2] But we're not spending money. [S1] Yes. [S2] There's no ice cream, there's no nothing. [S1] It's a potluck, you know? [S2] Yes. [S1] It's like, you could ju...
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[S1] One, there's a snowball method. [S2] Okay. [S1] And so this is when you pay the lowest balance, um, debt first. So you're gonna look at all of your debt and line it up from lowest balance that you owe. [S2] Okay. [S1] Right? Like, and then to the highest, like, debt that you owe. [S2] Okay. [S1] And if you're some...
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[S1] is going to get the bulk of the money that you have available. And you're going to know what that is. This is why that money list is so important. [S2] Right. [S1] 'Cause it's like, "Where am I going to get the money?" Let's look at the money list. [S2] Right. [S1] How, are you making a little more right now? Are,...
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[S1] 'Cause now that debt's paid to Graham. [S2] Yes. [S1] And now we go to the next one. [S2] Yes. The next debt gets its minimum, which it was already getting, but it gets that lowest debts minimum, the first one, and that extra money from your, from your, your money list. So now all of a sudden it's getting like thr...
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[S1] You know? [S2] Yeah. [S1] And when that's paid off, you roll over that full amount to the third. And what's so great is, as the snowball rolls down the hill, it collects snow minimums along the way. So by the time you get to the biggest debt, you have the most amount of money. But it didn't actually take any addit...
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[S1] I'm going to try to translate that. [S2] Mm-hmm. [S1] So if your credit card bill has a minimum of $50- [S2] Yes. [S1] ... and you've just been paying the 50 and paying the 50, that means you're not really chipping away at the, at the balance. [S2] Mm-hmm. [S1] So as you use this method and you get the lowest paid...
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[S1] Got you. And so you've accumulated all these 50s. [S2] Yes. Yes. [S1] And by the time you get to the big one, you might have $200 extra in the cash flow. [S2] Yeah, on top of the minute. Yes.
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[S1] ... in the cash flow. [S2] Yeah, on top of the minimum, yes, yeah. [S1] Got you. Okay. [S2] So it doesn't actually hurt your, um, you, you're not coming out of pocket anymore 'cause you've been paying all these minimums. [S1] Yes. [S2] You know? And so it's a great way for people who need that early success and do...
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[S1] Okay. [S2] So the more you owe, the more the interest rate is gonna affect what you have to, to pay. [S1] Yes. [S2] So you're gonna line your debt up from the highest interest rate- [S1] Yep. [S2] ... to the lowest interest rate first. [S1] Okay. [S2] And you're gonna attack highest interest rate that first. [S1] ...
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[S1] It's like the tsunami is coming over you. And it's like, I have to pay my grandmother back because I feel so bad. And the next, it's really my mortgage. And the next, it's this bike that I bought. And the ne- you see what I mean? [S2] Yes. [S1] So with that method, you're lining up the debt from most stressful to ...
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audio/en/bilibili_data_22095156_BV19a4y1q7Yz_p152_BV19a4y1q7Yz_p152_m4-dialogue_0855679.mp3
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[S1] ... 'cause I wouldn't want to have to face my grandmother either. [S2] [LAUGHS] [S1] They're knocking on the door, complaining again at the dinner table. So, um, you have this concept that I absolutely love. That was budget that we've talked about. [S2] Mm-hmm. [S1] We've now covered debt. [S2] Yeah. [S1] The thir...
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audio/en/bilibili_data_22095156_BV19a4y1q7Yz_p152_BV19a4y1q7Yz_p152_m4-dialogue_0855680.mp3
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