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Tiffany 'The Budgetnista' Aliche Full Interview · The Steve Harvey Morning Show

• 0:00
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  Speaker 1: more time by raycon dot Com. Slash my Heart, My
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  Speaker 1: next guest is an award winning teacher of financial education.
• 1:12
  Speaker 1: It's quickly becoming America's favorite personal financial educator. She's also
• 1:17
  Speaker 1: the creator of the Dream Catchers, which I I'm in
• 1:20
  Speaker 1: awe of her ability to market and brand which is
• 1:23
  Speaker 1: a movement and support group for women that desire to
• 1:25
  Speaker 1: reach their financial goals while working within the community of
• 1:29
  Speaker 1: other women doing the same. Please welcome to Money Making Conversation.
• 1:33
  Speaker 1: Tiffany the Budget Need Star. You know that's she's like Oprah.
• 1:42
  Speaker 1: You know you'll give out the whole name. It's Tiffany
• 1:45
  Speaker 1: the Budget the Star. Well, how are you doing, tiff
• 1:51
  Speaker 1: I'm really well, I'm good. I'm excited to be here.
• 1:53
  Speaker 1: Thank you there. First of all, where are you based.
• 1:56
  Speaker 1: I'm based in New Jersey, New Jersey. I New York
• 1:59
  Speaker 1: is my favorite city. So I'm gonna be a lot.
• 2:01
  Speaker 1: So we have to do lunch. But when I come
• 2:04
  Speaker 1: up there, because I try to create relationships that are
• 2:07
  Speaker 1: real and honest. Because I bring individuals on this show
• 2:10
  Speaker 1: not only for information about for myself. This is a
• 2:14
  Speaker 1: real selfis show because everybody that interview improves my own
• 2:16
  Speaker 1: personal life or my knowledge. And so but in the turn,
• 2:20
  Speaker 1: I share what I learned with my listeners and my
• 2:23
  Speaker 1: viewers and my followers and you, my friend and an
• 2:27
  Speaker 1: amazing individual. And I want to talk about how did
• 2:30
  Speaker 1: it all start? How did this whole thing about budgeting,
• 2:34
  Speaker 1: know their awareness of financial literacy? How did this start
• 2:37
  Speaker 1: for you? Well, I was fortunate enough to be born
• 2:41
  Speaker 1: into it. My father was a CFO and an accountant
• 2:44
  Speaker 1: he's retired now. And my mom just really good at
• 2:49
  Speaker 1: managing our families um, day to day budget. I'm one
• 2:52
  Speaker 1: of five girls, so you know, you gotta learn how
• 2:54
  Speaker 1: to budget have kids, absolutely absolutely moving. And so I
• 3:01
  Speaker 1: just grew up. I mean, so both of my parents
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  Speaker 1: were born and raised in Nigeria, and Nigeria tends to
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  Speaker 1: be a very male dominated culture. But because I'm just
• 3:11
  Speaker 1: so glad I didn't have any brothers, because I suspect
• 3:14
  Speaker 1: if I would have had brothers, my dad would have
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  Speaker 1: taught one of them and then expect that my brothers
• 3:19
  Speaker 1: to look after us, you know, But instead he had
• 3:22
  Speaker 1: a girl after girl after girl after girl. Um and
• 3:25
  Speaker 1: said well, I'm going to teach you how to look
• 3:27
  Speaker 1: at I'm gonna teach you how to look after yourself.
• 3:30
  Speaker 1: So he got have had a mob lawn, he's got
• 3:32
  Speaker 1: to change our oil. And he taught us about money
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  Speaker 1: and we would have weekly money meetings and it became normal.
• 3:38
  Speaker 1: And so that's how it started for me. Well, you know,
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  Speaker 1: I'm my degree is in mathematics, and so I you know,
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  Speaker 1: I'm good and i'm finances. I can't do my taxes.
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  Speaker 1: I refused to do my text. I was just I
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  Speaker 1: have this mental block when it comes to my tax
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  Speaker 1: I think it's called being audited, okay, and I don't
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  Speaker 1: want to make sure that. I want to make sure
• 3:55
  Speaker 1: those numbers are right. So I paid somebody to do that. Now,
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  Speaker 1: for your fall father to have these weekly meetings gave
• 4:02
  Speaker 1: you an enormous amount of confidence when it comes to
• 4:06
  Speaker 1: talking about financial literacy. Talk about that it did because
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  Speaker 1: I think I don't think um people realize that there
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  Speaker 1: is no such thing as normal, and that you can
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  Speaker 1: set normal for your child. And so you know, since
• 4:20
  Speaker 1: I can't remember being like three or four, um and
• 4:24
  Speaker 1: y leaguely remember like I used to love to hear
• 4:26
  Speaker 1: water run before functually was the cool thing. I love
• 4:29
  Speaker 1: the water and I would turn on the faucets in
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  Speaker 1: the house and walk away because I just wanted to
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  Speaker 1: hear the water. And so my dad, you know, it
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  Speaker 1: was like, how do we get this girl to stop
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  Speaker 1: wasting this water? And so what he told me. I
• 4:39
  Speaker 1: remember one time the icy man was coming to ice
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  Speaker 1: cream truck right outside. Came back in to get my dollar.
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  Speaker 1: Because one thing with five kids, everybody's not getting every
• 4:49
  Speaker 1: single day. So my day was Tuesday was a Tuesday.
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  Speaker 1: Let me go get my dollar from that. But even
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  Speaker 1: the lesson of like rotating days, that's the financial lessons,
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  Speaker 1: and I want to get my my dollar. My dad
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  Speaker 1: padded his POxy, said, uh, I forgot. I just gave
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  Speaker 1: you a your dollar to the water man. And I'm like, well,
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  Speaker 1: who's that. He was like, that's the man we had
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  Speaker 1: to pay every time you run the water. So he
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  Speaker 1: was teaching me about the bills. But what he did
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  Speaker 1: wasn't he aligned it what what was important to me,
• 5:18
  Speaker 1: which was my ice cream. So I was devastated, like, wait,
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  Speaker 1: so every time I runder water, that money goes somewhere. Well,
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  Speaker 1: I'm not running that water anymore. And so you know,
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  Speaker 1: he normalized that kind of conversation, but he made an
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  Speaker 1: age appropriate and so as a result, you know, I
• 5:34
  Speaker 1: knew very early on I understood the way money worked.
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  Speaker 1: I understood about living below your means did not mean
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  Speaker 1: that you had less. I wasn't afraid to talk about money.
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  Speaker 1: I mean to me, I'm not afraid, you know, of
• 5:46
  Speaker 1: money conversations because he normalized that. And I think that's
• 5:49
  Speaker 1: the advantage, the competitive edge I feel like I have.
• 5:53
  Speaker 1: Now that's that's amazing that you know you would like
• 5:55
  Speaker 1: to discuss our ways. Five ways to repair your finances
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  Speaker 1: for the new year. Now that's important because here's the deal.
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  Speaker 1: People always end the year, you know, without a plan,
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  Speaker 1: and then they start the year without a plan. How
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  Speaker 1: did you know when you're in January, you you know
• 6:12
  Speaker 1: everything's clean, quote unquote, you know, how do you what
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  Speaker 1: are the five ways to repair your finances for the
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  Speaker 1: new year. We have to start with the budget. I
• 6:22
  Speaker 1: know people don't like to hear the word budget, but
• 6:24
  Speaker 1: a budget is merely just a physical picture of what
• 6:27
  Speaker 1: your money is doing, so that way you can tell
• 6:31
  Speaker 1: it where you wanted to go. So it's just a
• 6:33
  Speaker 1: list of all your finances and what you're spending monthly
• 6:36
  Speaker 1: on on everything and subtracting it from what you take
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  Speaker 1: home every month. You have to get that clear picture.
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  Speaker 1: So that's number one, getting that budget in place. I've
• 6:45
  Speaker 1: done that. I've done that. Now I'm telling something. It's
• 6:47
  Speaker 1: harder now, but I was when my life card got
• 6:50
  Speaker 1: so many businesses. So I have somebody else do it.
• 6:52
  Speaker 1: But that was really important for me because of the
• 6:54
  Speaker 1: fact that no, I gotta pay rent, No I got
• 6:57
  Speaker 1: a light bill, No I got a cable bill, and
• 6:59
  Speaker 1: I got you know, water electrical all that those little
• 7:02
  Speaker 1: bit on this set aside some money for food that
• 7:05
  Speaker 1: I would eat in it, a certain amount of money
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  Speaker 1: for entertainment. It has to be that granular when you
• 7:10
  Speaker 1: talk talking about that month correct correct, especially in the
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  Speaker 1: beginning when you have when you when you have a
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  Speaker 1: little bit more space, so maybe you're making a little
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  Speaker 1: bit more you you you have some space to to
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  Speaker 1: be a little bit more general. But when things are
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  Speaker 1: really tight, that means your budget has to be super time.
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  Speaker 1: You need to know where every all your money is going.
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  Speaker 1: So that's first and foremost, and then number two, it's
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  Speaker 1: a savings plan. Nobody loves the idea of savings. But
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  Speaker 1: here's how you make it easy. You make your money inconvenient.
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  Speaker 1: I believe in having at least one online only savings
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  Speaker 1: account because one, you're going to get a higher interest
• 7:45
  Speaker 1: rate payout. So your normal brick and mortar bank is
• 7:48
  Speaker 1: paying right now, point zero zero one percent. I literally
• 7:51
  Speaker 1: just looked point zero zero one percent. Now, keep it
• 7:55
  Speaker 1: in your pocket, keep in your get knocked in the
• 7:58
  Speaker 1: piece of a penny you like. And so but if
• 8:02
  Speaker 1: you put your some of your savings in an online
• 8:04
  Speaker 1: only bank, um, there's one in particular right now that's
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  Speaker 1: giving two percent interest. So that's not bad. That's two pennies.
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  Speaker 1: But that's better than a piece of a penny. And
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  Speaker 1: so saving your money an online only bank, one you're
• 8:16
  Speaker 1: gonna get a higher interest rate, and two you're gonna
• 8:18
  Speaker 1: make your money inconvenient because if you want to get
• 8:21
  Speaker 1: your money back. So I don't believe in having your
• 8:23
  Speaker 1: checking account at an online only bank, just your savings,
• 8:26
  Speaker 1: so that way you don't have access. The only way
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  Speaker 1: you have access is to transfer back to your regular
• 8:32
  Speaker 1: bank account, your regular checking account at your at your
• 8:34
  Speaker 1: brick and mortar physical bank. That transfer takes about twenty
• 8:38
  Speaker 1: four um to forty eight hours, if not longer. And
• 8:41
  Speaker 1: so what that means is it's gonna be hard for
• 8:43
  Speaker 1: you to spend money that you have to wait on
• 8:46
  Speaker 1: for for at least one day. So creating like a
• 8:49
  Speaker 1: simple savings fund where you're putting your money aside and
• 8:52
  Speaker 1: making it inconvenient, inconvenient money, because it's five of I
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  Speaker 1: want to about to go to a break. So the
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  Speaker 1: first place the budget, and the second was the savings.
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  Speaker 1: And I'm just everybody a little personal history about savings.
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  Speaker 1: In my twenties, I met a very what I called
• 9:07
  Speaker 1: guy who was very very he was. It was a
• 9:09
  Speaker 1: guy who was influential and changing my thought process. And
• 9:13
  Speaker 1: he used to tell him by savings and saying I
• 9:14
  Speaker 1: didn't be I didn't I didn't buy into him. I
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  Speaker 1: didn't believe him. I didn't understand the whole savings process.
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  Speaker 1: And it's really important that you do start saving some form.
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  Speaker 1: And just because it's you know, a hundred dollars a
• 9:25
  Speaker 1: year may not seem like much. That's a hundred dollars
• 9:28
  Speaker 1: that you didn't save the previous year, and so just
• 9:30
  Speaker 1: no saving. You have to start somewhere, and you have
• 9:33
  Speaker 1: to make a commitment to it and just saving. If
• 9:36
  Speaker 1: you go, if it's just fifty dollars a month, that's
• 9:38
  Speaker 1: a savings. If it's just ten dollars a month, that's
• 9:40
  Speaker 1: the savings. And it's really important. We'll be back more
• 9:42
  Speaker 1: with Tiffany. The budget, the stock stop, put the stop
• 9:48
  Speaker 1: money making conversations. She just look at money main conversation, budget,
• 9:51
  Speaker 1: the stuff. Hi this ra Sean McDonald. You know this voice,
• 9:55
  Speaker 1: ra Sean McDonald. This is money making conversations on the phone.
• 9:58
  Speaker 1: Gonna have a Tiffany the Buddonis STI uh. She's she's
• 10:03
  Speaker 1: running down her five ways to repair your finances for
• 10:06
  Speaker 1: the new year, and that's important. We always, you know,
• 10:09
  Speaker 1: we always make these New Year's resolutions about what we're
• 10:12
  Speaker 1: gonna do. Well, guess what, start now, get it right
• 10:15
  Speaker 1: now and you can live a better life. She talked
• 10:17
  Speaker 1: about the budget, you talked about the savings. What better
• 10:19
  Speaker 1: ways to start a budget and the savings in the
• 10:22
  Speaker 1: month of January so you can know how you're gonna
• 10:25
  Speaker 1: live your life for the next eleven months, which is
• 10:28
  Speaker 1: really important. Til depend on how early you want to
• 10:30
  Speaker 1: start your your savings and your budget in the month
• 10:33
  Speaker 1: of January. So what are the next three steps. Next
• 10:36
  Speaker 1: three are credits and debt, so we can combine those
• 10:39
  Speaker 1: suit again, that's three and four. So credit just the
• 10:43
  Speaker 1: best way to raise your credit score is to pay
• 10:46
  Speaker 1: down debt and to pay consistently. If you automate your bill,
• 10:50
  Speaker 1: that's going to help tremendously. That's thirty five of your
• 10:54
  Speaker 1: score paying bills on time. Now also too, you can
• 10:57
  Speaker 1: become an authorized user. Until your grandma has great at it.
• 11:00
  Speaker 1: She's got one card that she pays off and pull
• 11:02
  Speaker 1: every single months. Ask her she can add you as
• 11:04
  Speaker 1: an authorized users that you don't need a card, but
• 11:07
  Speaker 1: just that you want to inherit her good behavior. So
• 11:09
  Speaker 1: credit is critical, especially in the United States, and then dead.
• 11:14
  Speaker 1: I mean that it's such a downer. It is so
• 11:16
  Speaker 1: hard to get your check knowing that most of it
• 11:18
  Speaker 1: does not belong to you. So creating and automated plan
• 11:23
  Speaker 1: like like if you google Snowball plan for debt, it
• 11:27
  Speaker 1: will show you step by step. It's just a really
• 11:30
  Speaker 1: easy plan to paying off your debt in a strategic way.
• 11:34
  Speaker 1: And that's how I was able to get at a
• 11:35
  Speaker 1: thirty five thousand, I was worth a credit card. Debt
• 11:38
  Speaker 1: and then last, but not least, number five. It's just automation.
• 11:41
  Speaker 1: Automation is the news discipline. Automate your budget, automate your
• 11:46
  Speaker 1: savings plan, automate your credit by by paying off your
• 11:49
  Speaker 1: your debt, and full automate your your debt plan. Automation
• 11:53
  Speaker 1: is really going to help you to stay on track
• 11:55
  Speaker 1: because it will be on track even when you're not right.
• 11:58
  Speaker 1: And here's me in in that whole plan, and I
• 12:01
  Speaker 1: agree with everything you said. Okay, you know, I'm a
• 12:03
  Speaker 1: guy who's I like the little life of debt, being
• 12:06
  Speaker 1: debt free. I also like to pay my bills thirty
• 12:11
  Speaker 1: days cycles. You know that if I, oh, if I
• 12:12
  Speaker 1: don't like to let my credit card be a monthly
• 12:15
  Speaker 1: than if I owe it. And I also have a
• 12:17
  Speaker 1: mentality if only buy what I can pay off in
• 12:19
  Speaker 1: thirty days too. A lot of people don't do that, okay,
• 12:23
  Speaker 1: and so they if you, if you if you're gonna,
• 12:25
  Speaker 1: if you're gonna go shopping for groceries, then only buy
• 12:28
  Speaker 1: what you can so you can pay it off. Don't
• 12:30
  Speaker 1: be over there buying some extra stuff that's gonna run
• 12:32
  Speaker 1: you over to and then you got that interest rate,
• 12:34
  Speaker 1: so that tomatoes suddenly was maybe a dollar nizer dollar
• 12:37
  Speaker 1: fifty because it got interest rate attack attached onto it.
• 12:40
  Speaker 1: And a lot of people don't understand that by to
• 12:43
  Speaker 1: your financial level and you will actually gain. And that's
• 12:47
  Speaker 1: all you're just saying in this conversation about five ways
• 12:50
  Speaker 1: to repair your finances for the new year. Correct, correct
• 12:54
  Speaker 1: that living below your means um it will enable you
• 12:58
  Speaker 1: to live above whatever dreams that you have. I don't
• 13:01
  Speaker 1: think people get that that, you know, like, for example,
• 13:03
  Speaker 1: this year, my husband and I bought two homes in cash,
• 13:06
  Speaker 1: in cash. I used to be a preschool teacher. He
• 13:08
  Speaker 1: used to be a maintenance man. So we're not like
• 13:12
  Speaker 1: you know, folks who had like all of this money.
• 13:16
  Speaker 1: But we learned to live below our means. You know,
• 13:18
  Speaker 1: we learned to increase how much we we we earned
• 13:21
  Speaker 1: and we saved a lot tremendously. I mean, collectively we're
• 13:25
  Speaker 1: self made millionaires. But you wouldn't be able to tell
• 13:27
  Speaker 1: by looking at us. But you can tell a boy
• 13:28
  Speaker 1: looking at a bank account. We could tell you about
• 13:32
  Speaker 1: looking at you, though you need to stop all that.
• 13:36
  Speaker 1: Definitely the bunch of these stuff, Okay, We could tell
• 13:38
  Speaker 1: you that your successes in your life but your but
• 13:41
  Speaker 1: you're smart success. You know you don't have the eight
• 13:44
  Speaker 1: cars in the garage. That's what you're talking about. You know,
• 13:47
  Speaker 1: you know you don't vacation on the private jet. That's
• 13:50
  Speaker 1: what you're talking about. You know. I tell people today,
• 13:52
  Speaker 1: you know, you know, I know I'm successful, but if
• 13:55
  Speaker 1: if a good coupon comes sliding across my desk, I
• 13:58
  Speaker 1: will use it. Okay, you know, bad bathroom beyond, I
• 14:03
  Speaker 1: will go in there and use that bad bathroom beyond coupon.
• 14:06
  Speaker 1: That's what she's talking about. So you might see Tiffany
• 14:10
  Speaker 1: the budget needs to walk it into bad bathroom with
• 14:12
  Speaker 1: a discount coupon and think, well, I guess you don't
• 14:14
  Speaker 1: have it going on. She does have it going on
• 14:16
  Speaker 1: because she realized the value of money. If somebody's going
• 14:19
  Speaker 1: to give you a discount on something and you can
• 14:21
  Speaker 1: still buy versus not paying using this discount, the smartest
• 14:25
  Speaker 1: person is to use the discount. And that's all she's saying.
• 14:28
  Speaker 1: And that's all I'm saying when I talk to people
• 14:30
  Speaker 1: about success and understanding that you don't have to be
• 14:34
  Speaker 1: as they say, flaws and to prove a point, don't
• 14:37
  Speaker 1: don't take your money ever, to prove a form. Don't
• 14:40
  Speaker 1: ever show off to the guy next door. I don't.
• 14:43
  Speaker 1: I don't live a life like that. And that's all
• 14:45
  Speaker 1: you're saying in your in your brain, correct correct, correct,
• 14:52
  Speaker 1: There you go, the dream catch your chap. I don't.
• 14:54
  Speaker 1: I cannot leave this show. What you're talking about the
• 14:57
  Speaker 1: dream Catchers? What exa actlets this program? And then we're
• 15:01
  Speaker 1: gonna break down how big it is because women and
• 15:04
  Speaker 1: especially young women need to be involved. Because I always
• 15:07
  Speaker 1: tell people is that what you learn in your twenties
• 15:10
  Speaker 1: is what you are you gonna make money in your
• 15:11
  Speaker 1: forties and fifties. So if you learn good literacy as
• 15:15
  Speaker 1: a young person like you did, and guess what, it
• 15:17
  Speaker 1: will catapult you to be the financial success as you
• 15:20
  Speaker 1: get older. Tell us about dream Catcher. So DreamCatcher started
• 15:24
  Speaker 1: because I did a lot of financial education in person,
• 15:28
  Speaker 1: and as a result, I wanted the students that I
• 15:30
  Speaker 1: was helping um and they were all age rangers. I
• 15:33
  Speaker 1: wanted them to have a place to gather and so
• 15:36
  Speaker 1: UM I started the Facebook group and I called it
• 15:38
  Speaker 1: dream Catchers Live Richer with a Budget stuff, and it's grown.
• 15:43
  Speaker 1: It's been what maybe like five or six years we've
• 15:46
  Speaker 1: grown from that initial to three hundred to three hundred
• 15:51
  Speaker 1: and fifty or sixty thousand, UM. But really it's about
• 15:54
  Speaker 1: seven hundred thousand women worldwide. UM. We've got about twenty
• 15:58
  Speaker 1: or thirty chapters, and and those women meet in person
• 16:02
  Speaker 1: anywhere from l I just hung out with the Houston
• 16:04
  Speaker 1: chapter last weekend. There's sixty chapters. Sixty chapters, okay, in
• 16:09
  Speaker 1: thirty three states, three states. See, I'll tell you, I'm
• 16:13
  Speaker 1: gonna be you. I'm gonna be your pr guy right now. Okay,
• 16:15
  Speaker 1: because you know it's good people like this. She's one
• 16:17
  Speaker 1: of these humble people. You know that. And she's like me.
• 16:19
  Speaker 1: You know a lot of people go, you're you're you're
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  Speaker 1: a big time I go, no, I'm not. Yes you are. No,
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  Speaker 1: I'm not. Okay, yes, Sam, nobody tell you right now,
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  Speaker 1: you very much. Okay, thank you very much. Are female, okay,
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  Speaker 1: and they put the word plus which means it's growing,
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  Speaker 1: Now this is important to hear this word open rate
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  Speaker 1: because see when you send out the email then then
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  Speaker 1: themselves from it. Oh who said this hall open rate?
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  Speaker 1: When she sent out an email blasts what they call
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  Speaker 1: them the industry standard is y'all? The budget needs to
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  Speaker 1: got it going out? What she told? People want to know? Now,
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  Speaker 1: is that t with budget? Budget with Nissta n I
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  Speaker 1: S t A. That is who she is. That's the
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  Speaker 1: as an individual that you are today. So we're just
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  Speaker 1: the ultimate goal, Tiffany, the budgets stuff. What's the ultimate goal? Well,
• 18:54
  Speaker 1: my ultimate goal is throwing a billion dollar company of
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  Speaker 1: a company that's valued that a billion dollars that transforms
• 19:01
  Speaker 1: the lives of women worldwide. Um that I just I
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  Speaker 1: want to help millions of millions of women to get
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  Speaker 1: to where they are, from where they are to where
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  Speaker 1: they want to be. Money is merely just a tool
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  Speaker 1: that we're using. Um. I want ten twenty years from now,
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  Speaker 1: when when folks are looking back, what was the shift?
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  Speaker 1: What happened? How did all of these women, you know,
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  Speaker 1: how did our culture, our community go from struggling financially
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  Speaker 1: to the space where people feel secure. I want to
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  Speaker 1: be one of the bullet points until we can, we
• 19:32
  Speaker 1: can point it back to Tiffity starting this movement with
• 19:35
  Speaker 1: her team. Um yeah, I've always been a teacher before
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  Speaker 1: before I started the budget these, I was actually a
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  Speaker 1: preschool teacher for ten years. But it is my purpose, passion,
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  Speaker 1: and mission to continue to teach for as long as
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  Speaker 1: as I'm allowed to. Well, you know, you're an award
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  Speaker 1: winning teacher of financial education and I quickly become an
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  Speaker 1: America's favorite personal financial educator. And uh, I'm gonna know
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  Speaker 1: it all. And uh and that's good. When you run
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  Speaker 1: these shows, you out to act like you know it all.
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  Speaker 1: When you are across individuals like Tiffany, who really opened
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  Speaker 1: your eyes that she's talking to and changing the world.
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  Speaker 1: She's changing the world how people look at money, how
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  Speaker 1: they should live their lives. You cannot stop. You should
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  Speaker 1: follow her advice. I'm gonna support her. You have a
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  Speaker 1: fan club will be open to you. UM and I
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  Speaker 1: admire you, so you keep doing what you're doing. Tiffany
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