Money Talk With Tiff

Waiting until January to fix your money is a setup.

When you tell yourself you will just swipe through the holidays and figure it out in the new year, you do not get a fresh start. You spend the entire first quarter digging out of a financial hangover.

In this episode of Tiffany's Take, we run a three-step cash flow triage to stop the bleeding right now so you can walk into next year on solid ground:

1. Set boundaries before November hits

List your non-negotiable expenses between now and December 31st...

"If I could just make an extra $1,000 a month, all my money stress would evaporate."

I hear this every week in counseling. But the hard truth is that money is an amplifier, not a mechanic. If your system has leaks, pumping more cash in just makes a bigger, more expensive mess.

When extra money hits, most people fall into the relief-to-scarcity cycle: you sacrifice, cash lands, your nervous system exhales, and subtle convenience spending quietly dissolves the cushion. That is not a discipline failure. It is a design failure.

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My book came out Tuesday and I have not even held a physical copy yet.

People picture book launches with champagne toasts in hotel ballrooms. Mine happened while managing my kids, answering a hundred messages, working my normal day, and tracking a shipment currently sitting in Jamaican customs.

I literally had someone locally ask me for a copy and had to tell them I didn't have one. They said, "I thought it was your book." It is. But I talk about the ROI of peace and protecting your cortisol in the book, so I refused...

Justin Chastain is back on the show. Last time he was here on episode 346, he dropped a line our listeners still quote to this day: "Don't buy green bananas." Stop putting off your actual life for some theoretical retirement date that may never arrive.

Since that conversation, Justin launched his own show, Well-Advised Wealth, built around a core truth. Financial wealth is only one-fifth of the equation.

If you are building a house of wealth, time is the foundation at the bottom. Lose a dollar today, and you can learn how to make three tomorrow...

Nia Adams was on episode 215. Today she’s back because our launches landed in the same 72 hours and we decided not to treat that as a problem.

Her Thrive 360 Conference is September 26 in Atlanta. My book, Money Moves and Mindset Shifts, publishes September 29. We didn’t plan it. We’re using it.

Thrive 360 is mind, body, bank account. Sound bath to start. Zumba to close. Interactive sessions, not lectures. Homeownership with a realtor and a loan officer in the same room. A menopause panel. Rest and burnout. Credit, debt, estate planning. It’s for people who’ve t...

People hear "bankruptcy" and picture a U-Haul and a foreclosure sign. Barry Levine has spent 45 years explaining why that's usually wrong.

Most Chapter 7 cases are what he calls assetless. You file, four months later you get your discharge, and you still own your home. The cars. The pension. Trustees don't sell houses for the fun of it — in an assetless case they get paid $60. They take the path of least resistance, which is doing nothing.

In this episode, Barry walks through what actually happens when creditors come calling:

The timeline nobody tells you. Fi...

I am not a pet owner. Fish and birds, that's my lane. But I am the friend people call when the vet bill arrives. $3,000 my friend didn't see coming. Another friend spent more on his dog's diabetes than his own health insurance deductible. I didn't even know pets got diabetes.

So I called Dr. Michael Bailey, president of the American Veterinary Medical Association, to ask what people miss when they calculate the true cost of pet ownership.

Here's what he said.

Preventative care is not optional. Six-month checkups catch things before they become...

Tariq Beidleman found Money Talk with Tiff the same way you did — scrolling, commuting, probably stuck in DC traffic. Then he emailed me about a website bug. Then he kept listening. Then he paid off $30,000 in student debt, built his brokerage accounts, and quit a stable engineering job to go full-time for a master's in energy economics.

Not because he had a trust fund. Because he ran the numbers until they made sense.

In this episode, Tariq walks through the actual decision: leaving solar asset management for Colorado School of Mines, funding grad school through in...

I delete more interviews than I publish. Here's why.

After 400+ episodes, the standard isn't "fine" — it's "my audience needs this." In this episode I pull back the curtain: the 30-minute circle that said nothing, the scammer I caught before publishing, the MLM disguised as genius, and how I verify every guest before they reach your ears.

I also walk through my actual vetting system — credentials checks, complaint searches, platform audits — and why I built the podcast wiki at podcast.moneytalkwitht.com to track 4,000+ topics so nothing gets stale.

213 unread pitches as I record this...

I used to think the more hours I worked, the more I loved my family. I was wrong.

John Briggs was grinding 18-hour days — 5 a.m. to 2 a.m., three hours of sleep, crushing it by every hustle-culture metric. Then his wife met him at the door at 2 a.m., hyperventilating, and told him she was a single parent.

Not angry. Not negotiating. Just true.

That night in 2010, two promises collided: the oath he made at his wedding, and the "magic formula" hustle culture sold him — more hours equals more money equals success. The...

Brianna Franklin used to tell debt survival stories. Now she prevents the debt.

After her NGO funding dried up, she took a gap year and came back with HIRE vs Higher — curriculum teaching high schoolers to spot predatory lending before they get their first credit card.

We cover:

The biggest myth her students already believe: "Borrowing is just life." Because their families believe it. Because buy-now-pay-later marketing positions itself as the hero giving them what they "deserve."

The HIRE framework: Honor Your Skills, Identify Avenues, Research Monetization, Evaluate ROI. For kids wh...

I bought pizza last night. House full of groceries. Zero capacity to cook. Then guilt.

Sound familiar?

Financial social worker Shirria McCullough, LCSW says this isn't failure — it's data. And the data looks very different depending on whether you're 24 or 42.

In this episode, we break down what survival mode spending actually looks like:

Gen Z — impulsive Klarna purchases, DoorDash three times a day, buying convenience because figuring out groceries requires mental real estate you don't have.

Millennial moms — overcompensation spending. The expensive party because you feel like you're not "mommyi...

I thought my life insurance was fine. I had called. They had assured me. Then I found out my policy was canceled.

Not because I lied on my application. Not because I stopped wanting coverage. Because of an ACH error, a missing form, and the assumption that "someone else was handling it." That someone else was me — and I almost failed.

In this episode, life insurance agent Aquania Escarne walks me through what actually happens when you miss a payment, why reinstatement is possible (but not guaranteed), and how long you really have before a po...

I thought the hard part was writing it. I was wrong.

The manuscript is locked. Page proofs are complete. Wiley told me I can't change anything anymore — which means Money Moves and Mindset Shifts is officially a real book that real people will hold, highlight, and hopefully not use as a coaster.

And I am terrified.

Not imposter syndrome terrified. I've got plenty of that. This is different. This is "I built something I believe in and now it has to survive without me" terrified.

The five parts came together better th...

My podcast listenership dropped for 2 months straight. Here's the honest diagnosis — and the 4-part pivot starting episode 405.

I went from interview-based episodes to 8 solo shows in a row. Good content, wrong rhythm. As a solo parent in Jamaica on a 25-hour work week, guest coordination became unsustainable — but "reliable" isn't the same as "right for you."

The pivot:
→ Interviews return (episode 405)
→ Solo episodes evolve: real experiments, not lectures
→ Direct feedback: I read every newsletter reply myself

If you've drifted, what would bring you back? Reply to my Thursday newsletter — I read every o...

You pay premium prices for pre-cut everything.

Chicken pieces. Oil changes. Tax prep. "Convenience" you never actually tested.

I did too — until I stood in my kitchen in Jamaica with a dull knife, a whole raw bird, and zero idea what I was doing.

In this episode, I share what happened when I stopped telling myself "I can't" and actually tried:

The math worked. One whole chicken became wings, breasts, tenderloins, legs, thighs, and a carcass for broth — multiple meals, zero waste, vacuum-sealed and frozen.

The skill compounded. The firs...

Your calendar is stacked. Your energy is low. Your budget hasn't been opened in weeks.

And the guilt is starting to whisper: "You're falling behind. Again."

Stop.

A full plate is not a failed stewardship season. It's a test of whether your financial systems can survive real life.

In this episode, I share the "Non-Negotiable Trio" — the three core money habits I refuse to drop when chaos hits, whether it's postpartum recovery, a business launch, or just a season where everything feels like too much:

Weekly Numbers Check — ten minu...

You budget alone. Save alone. Stress alone.

Then wonder why money still feels like a fight you never win.

Stewardship was never designed to be solo.

In this episode, I break down the 4 essential roles every person needs in their financial circle — the people who keep you honest, encouraged, focused, and humble:

The Truth Teller — the one who reviews your numbers without flinching and tells you what you don't want to hear

The Encourager — the one who celebrates the small wins so you don't quit before the breakthrough

The...

You missed your savings target. Overspent the budget. Ignored the plan for three months. 

Now the shame spiral starts: "I'm bad with money. I'll never get this right. Why even try?" 

Stop. 

Missing a goal is not a moral failure. It's data. And data has a recovery protocol. 

In this episode, I share the "48-Hour Rule" — the exact framework I use when my stewardship review reveals leaks, gaps, or complete derailments: 

Hours 0–24: Name the facts. No judgment. What actually happened? Write it down. Not "I'm irresponsible" — "I spent $340 on dining out...

You set the goal. You made the plan. Three months later... nothing.

Not because you failed. Because you never measured.

Most of us are excellent at setting targets and terrible at reviewing progress. We rely on feelings ("I think I'm doing okay") instead of facts ("I saved $400 of the $500 target"). Then we wonder why the same patterns repeat.

In this episode, I introduce "The Stewardship Review" — a three-step framework for measuring what actually matters:

Step 1: What did you actually do?
Pull the data. Bank statements. Calendar. Energy levels. Not what yo...

I was working 60+ hours a week, drowning in subscriptions I forgot about, tools I didn't use, and "shoulds" that drained me more than they served me.

Then I did the audit.

96% of my overhead: gone.

Not by earning more. By looking closer.

In this episode, I break down the three-part framework that bought me back 30+ hours a week:

1. The Utility Test — If you haven't used it in 30 days, cancel it. (Yes, even "just in case.")

2. The ROI Check — Does this expense bring measurable value or genuine peace? If n...

Stop scrolling TikTok for financial tips. Tiffany Grant breaks down her 5 strategic paths—Financial Foundations, Investing, CEO Blueprint, Money & Mindset, and Affiliate Marketing—so you know exactly where to start based on where you are right now.

Feel overwhelmed by financial advice? You're not alone. With nearly 400 podcast episodes and 300+ blog posts, even Tiffany admits her catalog is a lot to navigate. That's why she created the 5-path Resource Vault system. In this episode, you'll learn: The 5 strategic paths (Financial Foundations, Investing & Wealth Creation, CEO Blueprint, Money & Mindset, Affiliate & Digital Marketing) — How to identify which path fits y...

I moved to Jamaica thinking I'd escaped the high cost of living. Then I looked at my phone bill: $200+/month for AT&T roaming.

That wasn't serving me. That wasn't serving my family. That was noise.

So I cut it. 96% reduction. $200 down to $20. Same service, different provider.

That's when I realized: I don't have a money problem. I have a stewardship problem.

Most people think they need $1,000 more to be "fine." But if you can't manage $100, you won't manage $10,000. Scarcity focuses on what's missing. Stewardship asks: "How well am I managing...

What happens when life forces you into a hiatus—and how do you use stewardship to weather the storm? 

After Hurricane Melissa devastated Jamaica, I went quiet for 6 months. No power for over a month. No water. No internet. Just survival mode with my kids, sitting under candlelight, charging phones in the car to stay connected. 

I felt guilty as a creator. We're told consistency is king. But sometimes the most practical thing you can do is pause. 

In this episode, I share the 3 stewardship principles that got me through: 

1. Give yourse...

Welcome back to another info-packed episode of Money Talk With Tiff! This week, Tiffany Grant sits down with Nicole White, a powerhouse real estate agent specializing in Jamaican property. 

If you’ve ever thought about buying your dream home or investment property abroad, especially in Jamaica, this is an episode you don’t want to miss.

Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/buying-property-in-jamaica/

What You’ll Learn in This Episode

This week, Tiff dives into the business of filmmaking with special guest Mikey T—a passionate filmmaker whose work centers around Jamaican culture, legacy, and economic empowerment. 

Together, they explore the intersection of creativity, culture, and business, and how aspiring creatives can navigate the industry with both financial sense and social impact in mind.

Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/turning-stories-into-impact/

Key Topics Covered

Today on Money Talk With Tiff, Tiffany sits down with Melissa Broughton to tackle one of the most dreaded topics for entrepreneurs: bookkeeping! Melissa breaks down exactly what a bookkeeper does, why every business owner needs one (no matter what stage you’re at), and how skipping this crucial step could be leaving thousands of your hard-earned dollars on the table. 

From decoding the roles of bookkeepers, CPAs, and fractional CFOs to real-life cautionary tales, this episode is packed with actionable insights for business owners and freelancers alike! Plus, Melissa’s offering a fantastic freebie exclusively for Money...

This week, Tiffany welcomes back financial trauma expert Rakim Sabri (for his fourth appearance!) to unpack what financial trauma really means and why it affects everyone—not just those who’ve had direct money struggles.

Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/healing-financial-trauma/

Key Topics

https://youtu.be/QMkk3HceGC8?si=KenMseuzYP-1b_9zTiffany reconnects with her friend and business collaborator, Jasmine Beard, to dive deep into the importance and benefits of cross-industry collaboration for business owners. Jasmine, a seasoned strategic consultant, shares how business owners can break out of their industry silos, leverage transferable skills, and build partnerships that drive innovation, growth, and fresh opportunities. 

Whether you’re looking to expand your network or simply get unstuck in your business, Jasmine’s insights are packed with actionable advice for broadening your reach and impact.

Check out the full show notes...

In this powerful episode of Money Talk With Tiff, Tiffany sits down with Elyse Archer to break down the real secrets of sales success beyond the typical grind and hustle culture. Elyse introduces her methodology of “superhuman selling” and shares her personal story of quantum leaping from a stagnant income to making her annual salary in just six weeks. 

Together, they dive deep into redefining sales, creating an empowered mindset, and achieving big financial goals—especially for entrepreneurs, moms, and anyone who's tired of trading all their time for money.

Check out our full show notes h...

In this episode of Money Talk With Tiff, Tiffany sits down with Maya Elious, a renowned branding expert, to talk about what it really means to reinvent yourself when you feel like you've outgrown your business or brand. 

If you're feeling burned out, unexcited, or simply misaligned with your current business path, this episode offers both the permission and practical tips you need to evolve!

Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/reinventing-your-brand-and-yourself/

Key Takeaways

In this solo "Tiffany's Take" episode of Money Talk With Tiff, Tiffany Grant—your favorite financial educator and self-professed money nerd—dives into one of the most requested topics: public speaking! Tiffany opens up about her own journey from extreme shyness to confidently presenting in front of large crowds. 

She shares honest, practical tips on how to overcome nerves, actively engage any audience, and truly own your voice—whether you're pitching an idea at work, speaking to stakeholders, or addressing a conference crowd.

Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/public-speaking-tips/

Key T...

Ready to ditch your day job and dive into entrepreneurship? In this solo episode, Tiffany Grant brings you a candid look at what it really takes to thrive as your own boss—especially if you’re eyeing digital entrepreneurship or working abroad!

Drawing on her own journey from corporate HR to full-time entrepreneur, Tiffany covers the essential mindset shifts you need to make before handing in that resignation letter. From building business acumen to managing your mental health, she gets real about the challenges—and wins—of running your own business.

Check out the full show not...

This week on Money Talk With Tiff, Tiffany sits down with the audacious Marty McDonald! Marty shares her journey from corporate America to entrepreneurship, talks about the power of being bold, and gives us a peek into her upcoming book, Audacious. 

If you’ve ever wondered how to turn a hallway chat with a CEO into a national movement—or how to turn rejection into redirection—this episode delivers practical tips and inspiration for anyone looking to live life on their own terms.

Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/dare-to-be-audacious/

What...

In this episode, Tiffany chats with LaVaisha Davis about the concept of the "Family CEO"—the person who leads their family financially and strategically for long-term wealth and stability. If you’re the go-to person in your family for financial decisions or planning, this episode is a must-listen!

Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/stepping-up-as-the-family-ceo/

What You’ll Learn

This week, Tiffany welcomes Dr. Severine Bryan to discuss a topic that doesn’t get enough spotlight: rebuilding your finances after a late-life divorce. Whether you’re in your 40s, 50s, or beyond, Dr. Sev’s candid insights and practical advice are here to help you start fresh.

Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/late-life-divorce/

What is a Late Life Divorce?
Dr. Sev defines it as any divorce after age 45—a time when most are thinking about retirement, not starting over. She shares her personal journey and the challenges of pivoting...

In this lively and eye-opening conversation, Tiffany sits down with LaDarris Hunt, a seasoned life insurance expert, to break down the basics—and the big differences—between term and whole life insurance. Whether you think you’ve heard it all before or you’re just now considering coverage, this episode covers what you really need to know about protecting your loved ones, building generational wealth, and making the smartest insurance choices for your life stage.

What You’ll Learn

In this episode, Tiffany Grant sits down with Dr. Darnyelle Jervey Harmon to explore how business owners can scale their companies from six to seven figures—without losing faith or focus. Dr. Harmon dives deep into foundational strategies, sales infrastructures, and the importance of systems and processes, providing actionable tips and breaking down complex concepts into practical steps.

Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/scaling-your-business-from-six-to-seven-figures/

Key Takeaways

In this episode, Tiffany Grant sits down with Etinosa Agbonlahor, author of How to Talk to Your Parents About Money, for an honest and insightful conversation about navigating financial discussions with your parents. Etinosa shares actionable strategies for kick-starting these sometimes-tough conversations, understanding your own money “scripts,” and building an ongoing dialogue about finances with family.

Key Topics Covered

In this insightful episode of Money Talk With Tiff, Tiffany Grant sits down with attorney Darlene Harris to break down exactly how protecting your brand isn’t just about legal safety—it’s a key step toward building lasting wealth. Darlene explains the importance of trademarks, copyrights, contracts, and other brand protections for entrepreneurs, creatives, and anyone looking to secure the future of their business or intellectual property.

Full episode show notes: https://moneytalkwitht.com/podcast-show-notes/unlocking-the-power-of-trademarks-copyrights-and-patents-for-entrepreneurs/

Key Topics Covered