Money Talk With Tiff

Welcome to a special episode of Money Talk with Tiff! In this milestone 300th episode, host Tiffany Grant celebrates by sharing touching messages from listeners and colleagues, expressing gratitude for the meaningful impact of her podcast. From heartfelt congratulations to personal anecdotes, this episode is a testament to the positive influence of financial education. Join us as we reflect on the journey of Money Talk with Tiff and look forward to the future. So, sit back, relax, and let's dive into this heartwarming celebration of community, shared knowledge, and lasting connections.Connect with TiffanyWebsite: https://moneytalkwitht.comFacebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant Our GuestsJoe & OG (Stacking Benjamins)Anthony Weaver (About That Wallet)Camari Ellis (Philly Tax Team)Matti CareyRahkim Sabree (Overcoming Financial Trauma)Steven Stack (Stacking with Stack)Donté Roberts (Researcher, African American Fatherhood)Justin Pogue (Rental Secrets)Nia Adams (Perspectives)Candace Liger (Center for Body Autonomy)Mawuli Vodi (Financially Present)ShaKeia Kegler-Gray (GovLia)Steven M. Hughes (Know Money)Support this PodcastCopyright 2024 Money Talk With TiffThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

In this episode of Money Talk with Tiff, Tiffany interviews Byron Wolfe, a CFO, to discover how small business owners can work smarter and not harder. They discuss the impact of hustle culture, the importance of maximizing profit over revenue, and strategies for outsourcing tasks to focus on your strengths. Byron also shares insights on leveraging research and development tax credits to increase profitability. Tune in for priceless tips on optimizing your business's financial health and freeing up time for what truly matters.About Our GuestByron's gift for translating the complexities of business financial principles with a focus on small businesses into easily understood communication has made him one of the most highly sought financial and business consultants. He is the Founder of CFO•AF, a financial services and business consulting firm specializing in industries ranging from construction to crypto. Byron is Chief Financial Officer for an INC 5000 company and is the fractional CFO of various companies with annual revenues from 3-25 Million. His certification in the Crypto, NFT, and the Metaverse space has led to many projects with DAOs and crypto companies and he is considered one of the first experts in crypto tax strategy. Byron’s true passion lies in helping small business owners expand their financial reach and success through various tools like the R&D tax credits, proactive tax plans, creative funding and high contact financial management.Connect with ByronWebsite: https://www.cfoaf.com/Facebook: https://www.facebook.com/cfoafInstagram: https://www.instagram.com/the_cfoaf/LinkedIn: https://www.linkedin.com/in/byron-a-wolfe-cpa/Connect with TiffanyWebsite: https://moneytalkwitht.comFacebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant Timestamps[05:18] Replace disliked tasks, focus on strengths, delegate.[08:52] Analyze spending to maximize profitability and productivity.[11:30] Optimize percentages, maximize profit, increase revenue efficiently.[15:01] Evaluate marketing spend based on return on investment.[18:23] Investing in tech can lead to tax benefits.[20:23] Research and development tax credits reduce taxes.Key TakeawaysWork-Life Balance: Reducing workload while being profitable.Outsourcing: Delegate tasks to focus on strengths.Profit Maximization: Focus on keeping more money.Business Efficiency: Getting more accomplished in less time.Expense Management: Understanding the impact of spending.R&D Tax Credits: Utilizing tax incentives for research.Fractional CFO Services: Professional financial guidance for businesses.Support this PodcastCopyright 2024 Money Talk With TiffThis podcast uses the following third-party services for...

In this episode, Tiffany Grant, your money nerd and financial coach, answers a crucial question from a listener: "Tiffany, I have over $50,000 in credit card debt. What do I need to do to get out of this?" Tiffany provides a comprehensive response, delving into the emotional and mental burden of debt, understanding the root cause, and actionable steps to take. She emphasizes the importance of setting achievable goals, building a support network, and staying consistent in your debt repayment journey. Dive into the episode to gain valuable insights and practical tips to tackle massive credit card debt. Don't miss out on these empowering strategies to take control of your financial future.Timestamps[00:00] - Tiffany's podcast answers questions about personal finance.[05:31] - Learn budgeting, reducing debt, and debt consolidation.[06:44] - Analyze debt before considering consolidation, set goals.[10:24] - Seek professional help, connect with similar experiences. Celebrate frugally.[14:11] - Show notes link to resources, encouragement given.Key TakeawaysEmotional burden of debt: Acknowledge and understand feelings.Identifying the root cause of debt: Unchecked spending, job loss, medical bills.Debt repayment methods: Avalanche vs. snowball method.Importance of budgeting: Track expenses and prioritize debt payments.Debt consolidation options: Assess suitability and benefits.Setting achievable goals and celebrating milestones.Building a support network and staying consistent.Additional Links & ResourcesMethods to Tackle DebtEmotions & Money: 3 Things To Avoid And 3 Things To Do MoreDoes Debt Consolidation Hurt Your Credit? Here’s What You Need To KnowTiffany’s Take: Goal Setting | Ep. 187Tiffany’s Take: Smart Goals | Ep. 190Goal Implementation: How To Actually Accomplish Your Goals | Ep. 196How To Stick To Your Goals When You Don’t Feel Like It | Ep. 198The Most Effective Way To Tackle Your Financial Goals | Ep. 193Twitter Post About Net WorthBreaking Free From Financial Shame And Guilt | Ep. 296Want To Achieve Financial Wellness? Get Support From An Accredited Financial CounselorWant your question answered on the podcast? Submit

In this empowering episode of Money Talk With Tiff, Tiffany Grant welcomes the dynamic Brieanna Lightfoot Smith to delve into the crucial topic of strategic spending for small business owners. As a seasoned entrepreneur, Brianna brings her insightful approach to making smart investments that fuel business growth without breaking the bank.Brieanna kicks things off with a counterintuitive tip that will have you rethinking your startup strategy – hint: it involves your business website and what you really need to focus on instead. She then unveils her transformative framework that categorizes business expenses into essentials, opportunities, and aspirations, guiding you through financial commitment stages as your business evolves.Whether you're a product-based business owner eyeing inventory management or a content creator looking to upgrade your tech game, this episode is a treasure trove of wisdom for anyone aiming to make prudent financial decisions while chasing their business dreams.Remember, it's not just about spending money; it's about investing where it counts. Let's get to the money!About Our GuestBrieanna Lightfoot Smith believes a peaceful home and a purposeful brand can coexist. As a business owner, productivity coach, and systems strategist, she loves helping women, especially fellow moms, gain clarity and confidence. As someone who passed out in her car at 7 months pregnant, she's extremely passionate about helping people create a life they love without burning out in the process. You can connect with Brieanna on her website at brandsbybrie.com.Connect with BrieannaInstagram: @blightfootsmithB. Light Podcast: http://brandsbybrie.com(Use code 'aspirations' for a special discount)Connect with TiffanyWebsite: https://moneytalkwitht.comFacebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany GrantSupport this Podcast:Share this episode with a fellow business ownerLeave a review and subscribe on your favorite podcast platformCopyright 2024 Money Talk With TiffThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you grappling with feelings of financial shame or guilt? In this heartfelt episode of Money Talk With Tiff, Tiffany Grant tackles the sensitive topic of overcoming financial shame and the emotional weight of past spending mistakes. With compassion and understanding, Tiffany walks listeners through a step-by-step guide to acknowledging and using these feelings as a catalyst for positive change.From exploring the roots of your money habits to setting realistic goals, Tiffany provides actionable advice on gaining control over your finances. If you're ready to face your financial fears head-on and embrace a future of financial confidence, this episode is a must-listen.Don't forget to rate, review, subscribe, and share this episode with anyone who might be struggling with similar issues.Connect with TiffanyWebsite: https://moneytalkwitht.comFacebook: Money Talk With TiffTwitter: @moneytalkwithtInstagram: @moneytalkwithtLinkedIn: Tiffany Grant Key TakeawaysFinancial shame and guilt - Acknowledging and overcoming negative emotions.Understanding money habits - Identifying spending and saving patterns.Setting realistic goals - Creating achievable financial targets.Creating a budget - Allocating funds based on goals.Educating yourself - Knowledge as a tool to empower.Seeking help - Utilizing financial counseling or therapy.Facing financial challenges - Confronting issues to break the cycle.Additional Links & ResourcesYNABBudget Nirvana CourseBook a 15-minute consultationAsk Tiffany Your Money QuestionSupport this PodcastCopyright 2024 Money Talk With TiffThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Dive into the intriguing world of financial independence with a refreshing twist in this captivating episode of Money Talk With Tiff, featuring the brilliant Diana Miriam. Discover the nuances of Coast FI, a unique approach within the FIRE movement that emphasizes the power of compound interest to secure your future without the pressure of a full-time grind.Diana demystifies the concept of Coast FI, explaining how it allows individuals to "take their foot off the gas" and enjoy the freedom of financial independence much earlier. She shares valuable insights on knowing your expenses and setting achievable milestones on your journey to financial freedom.Tiffany and Diana also explore the human side of financial independence, discussing the importance of community and the excitement of the EconoMe Conference—a place where FIRE enthusiasts can reignite their passion, meet like-minded individuals and even find love.Listeners will walk away with a renewed sense of possibility, practical tips for embarking on their Coast FI journey, and an exclusive offer for the Economy Conference. If you're ready to rethink retirement and embrace a life of financial autonomy, this episode is your gateway to a community where money meets meaning.Join the conversation, learn about the spectrum of financial independence, and discover how you can start making significant changes today. Don't forget to grab your discount for the EconoMe Conference with the code TIFF, and mark your calendars for March 15th, 2024!About Our GuestDiania Merriam is the founder of The EconoMe Conference, a party about money designed specifically for the FIRE movement (financial independence, retire early). She's also the host of the popular podcast Optimal Finance Daily, where she narrates articles from the best personal finance blogs on the planet. Discovering the FIRE movement in 2015 led her to get out of $30k of debt in 11 months, save and invest 60% of her income, take a 2-month sabbatical to walk 500 miles across northern Spain on the Camino de Santiago, and self-fund her own business. She retired from her corporate career at 33 years old and now helps others find community and inspiration on the path to financial freedom.She's been featured on Good Morning America, Business Insider, CNBC, MarketWatch, Good Day Columbus, and WLWT5, as well as podcasts including Choose FI, Bigger Pockets Money, and Stacking Benjamins.Connect with DianiaVisit the website: https://economeconference.com/ (Use code TIFF for 10% off)Twitter: @economeconInstagram: @economeconFacebook: EconoMe ConferenceConnect with TiffanyWebsite:&nbsp;https://moneytalkwitht.comFacebook:&nbsp;Money Talk With Tiff&nbsp;Twitter:&nbsp;@moneytalkwitht&nbsp;Instagram:&nbsp;@moneytalkwitht&nbsp;LinkedIn:&nbsp;Tiffany GrantAdditional Links & Resources<a href="https://moneytalkwitht.com/podcast/3-most-common-types-of-healthcare-fraud-with-angel-cellucci-ep-287/" rel="noopener...

In this episode, Tiffany Grant shares her wealth of knowledge on uncovering hidden funds that could be rightfully yours. From unclaimed property to undelivered refunds, she covers it all. With Tiffany's expert guidance, you'll learn how to navigate official government websites, including the IRS and USA.gov, and specific databases, such as the Pension Benefit Guarantee Corporation and the National Association of Insurance Commissioners. She also highlights credit unions as a potential source for unclaimed deposits. But here's the best part - Tiffany stresses that all these resources are freely accessible and that individuals can do the research themselves without paying external companies. As she says, why pay for something when you can find it yourself? Tiffany shares her personal experience of finding an old paycheck through this process. And don't worry about missing out on any future unclaimed funds because Tiffany recommends periodically checking for them. As a special treat for our listeners, Tiffany has a limited-time offer for her Budget Nirvana course (regularly $297) - a program designed to help you achieve financial bliss by optimizing your budgeting skills. So don't wait any longer and start your journey towards finding quick money with Tiffany today!Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit&nbsp;https://www.moneytalkwitht.com/asktiffany.&nbsp;Connect with TiffanyWebsite: https://moneytalkwitht.comFacebook:&nbsp;Money Talk With Tiff&nbsp;Twitter:&nbsp;@moneytalkwitht&nbsp;Instagram:&nbsp;@moneytalkwitht&nbsp;LinkedIn:&nbsp;Tiffany Grant&nbsp;Additional Links & ResourcesSearch for your unclaimed property (it’s free) – National Association of Unclaimed Property Administrators (NAUPA)MissingMoney.com | Search for Unclaimed PropertyRefunds | Internal Revenue ServiceHome Page | Pension Benefit Guaranty CorporationNational Association of Insurance CommissionersNeed life insurance? Reach out to Acquania EscarneHow to find unclaimed money from the government | USAGovNCUA - National Credit Union AdministrationBudget Nirvana CourseDid you find any money as a result of this episode? Get In...

Are you ready to pick the perfect tax professional and avoid the pitfalls of problematic preparers? Tune in to this enlightening episode of Money Talk With Tiff as Tiffany Grant welcomes back the knowledgeable Camari Ellis for a deep dive into the red flags of tax preparation.Camari, an Enrolled Agent, shares invaluable insights on distinguishing between various tax preparers, such as CPAs, EAs, attorneys, and the unenrolled. He emphasizes the significance of never surrendering your original tax documents and the importance of ensuring your tax preparer includes their PTIN on your return to avoid becoming ensnared in their potential audits.Discover why bigger refunds aren't always better and how choosing a tax preparer who can't answer your questions can lead to trouble. Camari and Tiffany discuss why an informed client is the best client and how to foster a proactive relationship with your tax professional for strategic planning all year round.Don't let the allure of a large refund or the convenience of a back-of-the-gas-station tax service lead you astray. Listen to this episode and arm yourself with the knowledge to select a tax preparer who is above board, knowledgeable, and invested in your financial well-being.Share this episode to spread the word and help others stay on the right side of the IRS!About Our GuestCamari Ellis is a Tax Advisor, with over 30 years of experience in the Financial Services & Tax Industry. He is a Black Wealth Advocate. He graduated from Temple University, majoring in Finance, and loves everything related to business, the stock market, and social media.Connect with CamariEmail: [email protected] a meeting: https://bookme.name/CamariEllis/consultationTwitter (X): @thefinancerebelInstagram: @thefinancerebelYouTube: https://www.youtube.com/@TheFinanceRebelConnect with TiffanyWebsite:&nbsp;https://moneytalkwitht.comFacebook:&nbsp;Money Talk With Tiff&nbsp;Twitter:&nbsp;@moneytalkwitht&nbsp;Instagram:&nbsp;@moneytalkwithtLinkedIn:&nbsp;Tiffany Grant&nbsp;YouTube:&nbsp;Money Talk With Tiff Channel&nbsp;Pinterest:&nbsp;Money Talk With TiffAdditional Links & ResourcesInternal Revenue Service | An official website of the United States governmentSupport this PodcastCopyright 2023 Money Talk With TiffThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Ready to dive into the confusing world of 401Ks? Join Tiffany Grant in this must-listen podcast episode as she shares her conversation with a phlebotomist who sparked the topic. Tiffany discusses why 401Ks are essential to your total rewards package and how to utilize employer-matching contributions to build retirement savings. She decodes the tricky language of 401Ks, clears up misconceptions about vesting schedules, and offers valuable advice on whether to roll over your 401K or leave it with your previous employer. Don't miss out on this informative and eye-opening discussion to help you make the best decisions for your financial future!Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit&nbsp;https://www.moneytalkwitht.com/asktiffany.Connect with TiffanyWebsite - https://www.moneytalkwitht.comFacebook - https://www.facebook.com/moneytalkwithT/Twitter - https://twitter.com/moneytalkwithtInstagram - https://www.instagram.com/moneytalkwitht/LinkedIn - https://www.linkedin.com/in/tiffanygrant1/YouTube - https://www.youtube.com/c/MoneyTalkWithTiffAdditional Links & ResourcesRetirement Planning ArticlesInvesting In Employee Benefits: How Employee Benefits Packages Boost Performance And MoraleEmployee Benefits ArticlesCapitalize - 401(k) Rollovers Made EasySupport this PodcastCopyright 2023 Money Talk With TiffThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you tired of seeing the revolving door of incarceration in our communities? Want to make a change and reduce the high costs of corrections? Then, join us as Victor Vincent, founder of the Reentry Expert organization, shares his insights on breaking the cycle of re-incarceration. In this candid conversation, Victor highlights the importance of providing economic opportunities for ex-convicts and exposing young individuals to the consequences of illegal activities. He also addresses the influence of outside forces on crime within African American communities and the need for open discussions around these taboo subjects. You will be inspired!About Our GuestVictor M. Vincent Jr. is a man of determination and resilience. He has experienced the highs and lows of life, from being an ex-offender to becoming the President of the Student Government Association at Guilford College. This remarkable journey has shaped him into who he is today - The ReEntry Expert.Since his release from prison in 1994, Victor has been on a mission to turn his life around. He obtained his GED and pursued higher education, earning a Bachelor's in Criminal Justice from Guilford College. Along with his education, Victor worked hard to obtain various certifications, including a forklift and a class A CDL endorsement.His hard work did not go unnoticed as he became employed as a Sales Rep for some of the biggest brands in the world. Victor has worked full-time for the City of Greensboro for over 16 years.But that's not all - Victor is also the founder and President of Victor M. Vincent, Jr. The ReEntry Expert, Inc. is a nonprofit organization dedicated to helping others looking to turn their lives around like he did. His passion for reentry work is evident in everything he does, and his empathetic nature makes him stand out as someone who truly cares about making a positive impact in people's lives.With his friendly demeanor and informative approach, Victor continues to inspire and guide individuals through their personal transformation journey. From inmate to President to The ReEntry Expert - Victor M. Vincent Jr.'s story is filled with determination, perseverance, and hope for a brighter tomorrow.Connect with VictorVisit his websiteEmail: [email protected]: The ReEntry ExpertConnect with TiffanyWebsite:&nbsp;https://moneytalkwitht.comFacebook:&nbsp;Money Talk With Tiff&nbsp;Twitter:&nbsp;@moneytalkwitht&nbsp;Instagram:&nbsp;@moneytalkwithtLinkedIn:&nbsp;Tiffany Grant&nbsp;YouTube:&nbsp;Money Talk With Tiff Channel&nbsp;Pinterest:&nbsp;Money Talk With TiffAdditional Links & ResourcesGate City 180 by Dana DaughtryCanTag Solutions - Will Dungee<a href="https://moneytalkwitht.com/donate"...

As we step into 2024, join Tiffany in shaking off the old and embracing the new in this insightful podcast episode. Learn why rest is crucial for financial success, how decluttering can transform your mindset, and the way a subscription audit can save you more than just money. Get ready to set and crush your financial goals this year!Connect with TiffanyWebsite:&nbsp;https://moneytalkwitht.comFacebook:&nbsp;Money Talk With Tiff&nbsp;Twitter:&nbsp;@moneytalkwitht&nbsp;Instagram:&nbsp;@moneytalkwithtLinkedIn:&nbsp;Tiffany Grant&nbsp;YouTube:&nbsp;Money Talk With Tiff Channel&nbsp;Pinterest:&nbsp;Money Talk With TiffAdditional Links & ResourcesStart 2024 Right – Take Control Of Your Finances With Tiffany’s Year-End Financial Checklist | Ep. 284Book a 15-minute consultationGoal Setting PlaylistSupport this PodcastCopyright 2023 Money Talk With TiffThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

In this captivating episode, Erin Lydon of Poker Power deals out a hand of wisdom showing how poker strategies can shape your financial and professional world. Learn why folding isn't just a poker move, but a life skill, and how calculating risks can lead to big payoffs both on and off the felt.About Our GuestErin Lydon is a thought leader, frequent speaker on equal pay and workplace equity, and President of Poker Power. Her passion to lead Poker Power stemmed from her experience working on Wall Street twenty years ago. After learning that she was not being paid the same as her male colleagues, and struggling to find a seat at the table in the male-dominated financial industry, Erin was confronted with the reality of the “force field” surrounding tables of power that keep women from sitting down, playing, and competing equally. Erin discovered poker during this time, and made the connection that learning to think, negotiate and take risks, like a winning poker player, trained her in skillsets that offered a solution for pushing the needle on women’s empowerment in the workplace. Erin now leads Poker Power’s mission to teach one million girls and women how to stack their skills, negotiate, and take calculated risks by gamifying key leadership lessons with poker gameplay. Before joining Poker Power, Erin was the strategic advisor to the management team of Evil Geniuses, a global e-sports organization. She has previously served as an independent corporate director on the boards of Marbles and Roomlinx and began her finance career at JPMorgan. Erin received her MBA from Northwestern’s Kellogg School of Management and BA from Bates College. In 2023, she received the Global Gaming Women “Women of Inspiration–Woman to Watch” award and has spoken on many premier stages including TEDx, Money 20/20 RiseUp, AWS Women’s Leadership Summits, TEDx Talk, Monaco Positive Impact Summit, and many more. Erin serves on the Advisory Board for Money 20/20 RiseUp and was a mentor for SXSW Edu in 2023. Additionally, she is a member of McKinsey’s Midwest Executive Women’s Forum.Connect with ErinWebsite: https://pokerpower.com/Twitter: @joinpokerpowerInstagram: @joinpokerpowerFacebook: Join Poker PowerConnect with TiffanyWebsite:&nbsp;https://moneytalkwitht.comFacebook:&nbsp;Money Talk With Tiff&nbsp;Twitter:&nbsp;@moneytalkwitht&nbsp;Instagram:&nbsp;@moneytalkwitht&nbsp;LinkedIn:&nbsp;Tiffany Grant&nbsp;YouTube:&nbsp;Money Talk With Tiff Channel&nbsp;Pinterest:&nbsp;Money Talk With TiffThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you a freelance writer looking for a new adventure? Or maybe a busy mom seeking more flexibility while still doing what you love? Join Tiffany Grant and special guest, Sarah Gilliland, as they dive into the world of travel writing. Sarah shares her inspiring journey from being a mommy blogger to becoming a successful travel writer. She discusses the challenges she faced and the steps she took to rebrand her blog, including learning about SEO and content creation specific to travel writing.But it's not all about the glitz and glamour of jet-setting around the world. Tiffany and Sarah get real about the hard work and persistence required for success in entrepreneurship. They also emphasize the importance of identifying your passions and not being afraid to pivot when something no longer brings fulfillment.Sarah shares valuable tips for anyone interested in pursuing travel writing, including creating a personal website instead of relying solely on social media platforms, learning about SEO, and understanding popular trends in the industry. She also delves into the reality of balancing work with enjoying your travels.So if you're ready to take your writing skills on an exciting journey, don't miss this informative discussion with Tiffany Grant and special guest Sarah Gilliland on travel writing. Hit that play button now!About Our GuestSarah Gilliland is the voice behind On the Road with Sarah, and she prides herself on being an expert in family travel. Growing up in a military family, Sarah’s wanderlust tendencies were no surprise to her husband, who she married in January 2009, as he was just as keen on seeing the world as she was. Her three children keep her on her toes, but also give her a reason to help others in their quest to make lifelong memories and experiences together. Sarah and her family live in the suburbs of Birmingham, Alabama, and the experiences she has had living in the south have shaped her view of domestic and international travel. Connect With SarahVisit her website: Sarah's Website Sarah's Facebook page @sarahgillilandtravels on Instagram @sarahgilliland on X Sarah on YouTube Connect with TiffanyWebsite: https://moneytalkwitht.comFacebook:&nbsp;Money Talk With Tiff&nbsp;Twitter:&nbsp;@moneytalkwitht&nbsp;Instagram:&nbsp;@moneytalkwitht&nbsp;LinkedIn:&nbsp;Tiffany Grant&nbsp;YouTube:&nbsp;Money Talk With Tiff Channel&nbsp;Pinterest:&nbsp;Money Talk With TiffAdditional Links & ResourcesThe Grown Up Gap Year with Stephanie PerryMaking Travel a Financial Priority with Danielle Desir<a...

Are you worried about healthcare fraud and abuse? You're not alone! Recently, Tiffany Grant introduced guest Angel Cellucci, a specialist in identifying and preventing medical billing fraud and abuse.They discussed the three most common types of billing fraud: double-billing, upcoding, and billing for services not received. Angel also shared her DOVE framework, which will help you get organized and verify details against your medical bills in order to avoid overpaying.&nbsp;About Our GuestAngel Cellucci has been a dedicated healthcare professional for over 20 years. With the knowledge and passion of a true advocate, she has pursued her calling to become a Family Nurse Practitioner and help improve the lives of those in need.In 2016, however, Angel was made aware of the staggering amount of fraud and medical debt impacting individuals across the country. This new awareness inspired Angel to create tools and resources that would protect people and their families from financial insecurity due to medical expenses.With an empathetic and friendly attitude, Angel is passionate about empowering individuals with knowledge by sharing her skills and resources in order to put them back in control of their healthcare system.Connect with AngelWebsite: http://overbrookconsultants.comLinkedIn: Angel CellucciConnect with TiffanyWebsite: https://moneytalkwitht.comFacebook: Money Talk With TiffTwitter: @moneytalkwithtInstagram:&nbsp;@moneytalkwithtLinkedIn:&nbsp;Tiffany GrantAdditional Links & ResourcesMarie Kondo -&nbsp;https://konmari.comDr. Virgie Bright Ellington Demystifies Medical BillsTips For Managing Your Medical Bills When You Have a Chronic IllnessThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Ready to transform your financial future? Join Tiffany as she sits down with Steven Stack, a millionaire who turned the market's mayhem into his wealth-building playground.Learn how Steven's early exposure to savings, a pivotal Denzel Washington movie quote, and a fearless dive into the stock market during its lowest ebb catapulted him into the millionaire's club.This episode is not just a story; it's a blueprint for anyone daring to dream big and invest smart.Connect with StevenWebsite: http://stevenlstack.comInstagram: @stackingwithstackConnect with TiffanyWebsite: https://moneytalkwitht.comFacebook: Money Talk With TiffTwitter: @moneytalkwithtInstagram:&nbsp;@moneytalkwithtLinkedIn:&nbsp;Tiffany GrantAdditional Links & ResourcesInside Man (Movie): https://amzn.to/3RtOQU6 (affiliate link)Roth IRA vs Traditional IRA: Which One is Best For You?More Information about the Great Recession:&nbsp;https://www.history.com/topics/21st-century/recessionMastering Your Health Savings Accounts: 10 Tips for Making the Most of Your HSAMaximize Your Child's College Savings With 529 PlansThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you curious about what it takes to become a successful entrepreneur? Tune in to hear Damien Peters, founder of Wealth Noir, share his incredible journey into entrepreneurship! Discover how he faced numerous setbacks while working at Facebook and later found success when launching Wealth Noir. Find out what inspired him to adopt the 'lifestyle design' concept and move to Spain before returning to the US. Plus, learn about Peters’ new commercial real estate investing venture with WN Capital Partners. Get ready for an inspiring tale that will help guide your own entrepreneurial journey. About Our Guest Damien Peters founded WN Capital Partners after his last startup, Wealth Noir, was acquired. He has always been a proponent of pragmatic investments in real estate and online business and decided to expose his expertise and platform to outside investors. Damien holds an M.B.A. from the Massachusetts Institute of Technology (MIT), and Bachelors in both Computer Science and Economics from the University of Maryland, College Park. Connect With Damien WN Capital Partners: https://www.wncapitalpartners.com/ The Pragmatic Mr. Peters Newsletter: https://www.pragmaticpeters.com/ Twitter: @TheRealMrPeters Instagram: @TheRealMrPeters Connect with Tiffany Visit our website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant Additional Links & Resources 4-Hour Workweek by Tim Ferriss (affiliate link) 5 Types of Entrepreneurial Businesses We Recommend: Which One Will You StartThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Have you achieved your financial goals this year? Join Tiffany Grant in her discussion of a year-end financial checklist to help you get a better understanding of your finances and plan for the future. In this episode, Tiffany will offer helpful advice on budgeting, taxes, debt management, employee benefits, and much more. Get proactive now and start making your own year-end financial checklist! Listen now to take control of your finances with Tiffany's expert tips! Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany If you need help with your debt payoff plan, schedule a 15-minute consultation to see how Tiffany can help you! Connect with Tiffany Visit our website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant Additional Links & Resources Goals Resources Budgeting Resources This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you ready to take control of your finances and embark on a journey to financial freedom? Join Tiffany Grant as she interviews Jamila Souffrant, the creator of the Journey to Launch podcast and author of an upcoming book about financial independence. In this inspiring conversation between two experts, Jamila shares her personal story - from quitting her corporate job and starting a family to saving and investing $169,000 in two years. Jamila dives into the five stages of financial freedom that she outlines in her book - from aiming for stability to achieving ultimate independence - alongside advice on how to change mindsets and adjust plans as needed. Learn how Jamila's insights can help you reach your own dreams of financial freedom! Enter the Giveaway -&gt; https://moneytalkwitht.com/giveaways/ About Our Guest Jamila Souffrant is the author of "Your Journey To Financial Freedom: A Step-by-Step Guide to Achieving Wealth and Happiness" and the host of the Journey To Launch podcast. She is considered a go-to thought leader in the personal finance field, and her work has been featured in BuzzFeed, ESSENCE, Refinery 29, Money Magazine, CNBC, CBS, Business Insider, and more. The Journey To Launch Podcast has over 4+ million total downloads and was listed by the NYTimes as a podcast to help you get better with your money. Jamila and her husband saved $169,000 in two years. She is also a mother of three young children and lives in Brooklyn, NY. Connect with Jamila Visit the website: https://yourjourneytofinancialfreedom.com/ Instagram: @journeytolaunch Twitter: @journeytolaunch Facebook: Journey to Launch Connect with Tiffany Visit our website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you wondering how to talk to your family about important matters such as finances, values, and expectations? If so, this episode is for you! Jennifer Lee and Tiffany Grant discuss the powerful concept of writing a "family love letter" as an effective way to bring your family closer and share your wishes with them. Learn about Jennifer's touching story about her father's final conversation after being diagnosed with a brain tumor. Plus, find out how to get started on writing a family love letter easily with Jennifer's step-by-step “mad libs” style guide. Don't miss out! About Our Guest Jennifer Lee is the founder of Modern-Wealth; a Sarasota-based financial firm with a focus on helping individuals experiencing transition. Originally from Maryland, Jennifer brought her over 27 years (44 years if you count going into the office with her father as a child) of expertise in the financial services industry to Florida. Jennifer has found that a relationship with an advisor is most critical at the intersections in life where emotions collide with financial events. She enjoys facilitating her clients through challenges as they experience life’s upsets such as divorce, the loss of a spouse, or business to retirement transition. Whether you are experiencing divorce, a business client expanding or selling your operation, or a couple wanting to make sure they have provided for their family, Modern-Wealth may be a good fit. Jennifer provides a fresh perspective to the financial planning process by digging deep to understand what drives her clients. At Modern-Wealth, they build long-lasting relationships. As part of their process, they encourage clients to communicate their values to the most important people in their lives by writing a family love letter. This led her to write “Squeeze the Juice: Live With Purpose-Then Leave a Legacy.” Connect with Jennifer Facebook: Modern Wealth Invest Instagram: @modernwealthloveletter Book Website: squeezethejuicebook.com Main Website: modernwealth.com Connect with Tiffany Website: moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant Additional Links & Resources Purchase Jennifer Lee's Squeeze The Juice Book How Generational Wealth Can Really Impact Your Family's Future Success Entreprenuership and Generational Wealth with Russell Fugett Building Generational Wealth Through Investing with Calvin Williams, Jr. This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you looking for a way to practice gratitude in your daily life? Join Tiffany Grant as she dives into the power of gratitude and how it can transform your life! In this episode, she shares her top tips and actionable advice on how to embody gratitude. Learn how journaling, mindful spending, generosity, and visualizing goals can help you appreciate what you have and thank money each time it is spent or saved. Start your own gratuitous journey today by tuning in to Money Talk with Tiff and discover the power of cultivating gratefulness! Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany Connect With Tiffany Visit our website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant Additional Links & Resources Marie Kondo This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you considering living with your partner but worried about the legal implications of cohabiting? Kimberlee Davis has got your back! In this informative episode, she explains exactly what a cohabitation agreement is and how it can help protect both parties in case of a separation. Learn why it’s so important to define each individual’s money language and ownership of assets before taking such an important step. Listen now to learn everything you need to know about creating a secure and equitable cohabitation agreement - essential knowledge for any unmarried couple living together! About Our Guest Kimberlee Davis, affectionately known as the Fiscal Feminist, is an influential figure in the world of finance and empowerment. Born and raised in the United States, Kimberlee's journey is one that demonstrates resilience, determination, and a strong commitment to advocating for financial literacy among women. Professionally, Kimberlee has built an impressive career that spans over three decades. Her experience in the corporate world started as a corporate securities lawyer and eventually led her to become a Partner and Senior Managing Director at The Bahnsen Group, a wealth management firm. Here, Kimberlee's dedication to financial literacy took center stage as she began to focus on women's financial issues, hence the birth of her persona as the Fiscal Feminist. Connect with Kimberlee Visit her website: https://www.fiscalfeminist.com/ Instagram: @thefiscalfeminist Connect with Tiffany Visit our website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant Additional Links & Resources The Fiscal Feminist bookThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

In this lively episode, financial guru Tiffany Grant shares her top tips for avoiding holiday spending pitfalls. With humor and straight talk, Tiffany outlines simple budgeting tricks, like saving small amounts monthly, prioritizing your gift list, and avoiding impulse buys. Her creative gift ideas, like homemade presents and shared experiences, provide thoughtful alternatives to overspending. Tiffany reminds us that quality time with loved ones is the greatest gift of all. Tune in for practical advice to keep your finances on track this holiday season. Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany Connect With Tiffany Visit our site: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant Additional Links & Resources Budgeting Basics: How to Make a Personal Budget That Works For You This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Do you feel overwhelmed by your taxes as a black person? If so, then this episode is for you! In this episode, Tiffany Grant and Camari Ellis discuss the impact taxes have had on black wealth since the era of slavery. They reveal how the tax system has been skewed against Black people and how the IRS often targets them during audits. Learn about tax debt, filing extensions, penalties, and more! Find out how to stay informed and up to date on your tax situation to avoid complications. Tune in now for innovative solutions for navigating taxes as a Black person today! About Our Guest Camari Ellis is a Tax Advisor with over 30 years of experience in the Financial Services & Tax Industry. He is a Black Wealth Advocate. He graduated from Temple University, majoring in Finance, and loves everything related to business, the stock market, and social media. Connect with Camari Looking to hire Camari? Visit https://bookme.name/CamariEllis/consultation and tell him Tiffany sent you! Instagram: @thefinancerebel Twitter: @thefinancerebel YouTube: @TheFinanceRebel Connect with Tiffany Visit our website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant Additional Links & Resources To check your IRS account: https://www.irs.gov/payments/your-online-account The Whiteness of Wealth book This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Exiting your business smoothly takes savvy planning, but few entrepreneurs do it. After a consultation with QuietLight, Tiffany confronts this urgent but overlooked need. She shares expert insights on protecting value, enabling leadership transitions, depersonalizing assets, and maximizing sales price. If you want to future-proof your company for any scenario, don't miss Tiffany's straight talk on crafting your own exit strategy. This episode will start you thinking now before it's too late. Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany Connect With Tiffany Website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant Additional Links & Resources Need life insurance for your business partner or yourself? Acquania has you covered! Book a time to meet with her and discuss your needs. Ready to chat with QuietLight about your business? Ask for Elaine Eason. She was phenomenal! For more small business resources: https://moneytalkwitht.com/small-business/This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you a woman looking for more opportunities but feeling held back by barriers of equal pay, underrepresentation, and biases? Don't feel alone — join Tiffany Grant and Elissa Sangster in this enlightening discussion as they discuss the importance of women championing for themselves in the workplace. Gain insight on building resources for yourself, set goals and create a development plan, ask superiors for support, and be proactive about successes. Plus, hear about the Forte Foundation's mission to get more women into business leadership roles with programs designed specifically to promote gender equity. Get inspired to take control of your career and fight for equal pay! About Our Guest Elissa Sangster serves as CEO of Forté Foundation and brings to the role extensive knowledge of issues affecting women's abilities to seek, prepare for and attain business leadership positions, drawn from her prior experience as Assistant Dean and Director of the MBA Program at the McCombs School of Business at the University of Texas at Austin. There she oversaw all activities related to the full-time McCombs MBA program, including marketing, admissions, student services, and alumni relations. Before McCombs, Elissa was Assistant Director of the MBA Program at Texas A&M University’s Mays School of Business. Visit the website: https://www.fortefoundation.org/ Facebook: Forte Foundation Instagram: @fortefoundation LinkedIn: Forte Foundation Connect with Tiffany Visit our site: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you thinking of quitting your job to become an entrepreneur? Don’t do it without proper financial planning! Hear from Tiffany, a former full-time employee who quit in 2019 after two years of working her business, Money Talk with Tiff, while also working a 9-to-5. Tiffany will share insights on balancing full-time work and starting a business, as well as how to finance everything when you decide to take the leap. She’ll dive into the repercussions of quitting your job too soon and provide advice on using your current income to invest in your business for more financial stability. Learn what it takes to truly build a successful entrepreneur career with Tiffany today! Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany If you need help talking through your entrepreneurship pivot, I would be happy to help! Be sure to book a consultation to see how I can help: https://academy.moneytalkwitht.com/15-minute-consultation Connect with Tiffany Visit our site: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany GrantThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

In this episode, join us live from FinCon 2023 as we delve into the fascinating journey of Pete McPherson, the brain behind 'Do You Even Blog'. Once a dedicated CPA/Accountant, Pete swapped spreadsheets for the written word, transforming his passion for blogging into a full-time career. From his initial plunge into the blogging world in 2010 to eventually leaving his well-paid corporate job, Pete's journey is a testament to following one's heart and defying conventional norms. Listen as Pete candidly shares the trials and triumphs of his blogging journey, including the daunting challenge of starting over 40 businesses before finding his true calling. Learn how he managed to build an engaged community around his blog, turning his idealistic entrepreneurial dreams into a reality. Connect with Tiffany Visit our site: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany GrantThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Take a behind-the-scenes look at the incredible journey of The Black Bourbon Guy: from bartender to restaurant & bar consultant. Join him as he shares his perspectives and experience in building and developing successful restaurants, bars, and eateries. Learn firsthand how restaurant consulting can help you reach your goals or how to become one yourself! About Our Guest Che Ramos is a restaurant-and-bar kind of guy: He has spent nearly 20 years working at Triangle restaurants and bars, notably the Weathervane and Kitchen, both in Chapel Hill, along with the University Club and Counting House at the 21c Museum Hotel, both in Durham. In late 2020, Ramos started The Black Bourbon Guy to offer professional training as well as private whiskey tastings and cocktail classes, with the goal of increasing the presence of people of color both behind the bar and among the patrons at the bars he likes to visit. Connect with Che Instagram: @theblackbourbonguy Facebook: The Black Bourbon Guy Connect with Tiffany Visit our site: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany GrantThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you struggling with budgeting when your income isn’t always consistent? Don’t worry—in this episode, I provide helpful strategies to make budgeting with a variable income a breeze! Learn how to make budgeting easier and make the most of what you have so you can get back on track financially. Watch now and conquer budgeting for an unpredictable paycheck. Additional Links & Resources Budgeting Basics: How To Make a Personal Budget That Works For You YNAB Connect with Tiffany Visit our site: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwithtThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you curious about what a CFA is all about? Joel Bernardin, CFA, gives you an exclusive look into the world of Chartered Financial Analysts and explains how they help investors make informed decisions. Hear from Joel about the critical roles CFAs play in today's markets and gain valuable insight into this respected professional designation. Don't miss out on this great opportunity to learn from an experienced leader in the industry! About Our Guest Joel Bernardin is an accomplished financial expert with a remarkable story to share. He holds a Bachelor's Degree in Applied Mathematics and Statistics, an MBA in Finance, the Chartered Financial Analyst Designation from the CFA Institute, and even a Certificate in Performance Measurement from the CFA Institute. His success is even more impressive when you take into account that he's 100% debt-free - no car payments, no credit card payments, and certainly no student loans! Joel comes to personal finance conversations with enthusiasm and empathy, ready to share his wealth of knowledge and experience with his audience. Connect with Joel Twitter: @debtfreejoel Instagram: @debtfreejoel Connect with Tiffany Visit our site: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany GrantThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you struggling with the sales cycle and process? Looking for strategies to become better at sales? Join us in this interview with Lisa Smith, a renowned sales expert, as she shares her insight on successful sales techniques, mindset shifts that can take your game to the next level, and much more. Tune in now and get ready to become an unstoppable sales champion! About Our Guest Lisa J. Smith is the CEO and founder of SMITH co., a sales consulting firm focused on modern midsize B2B businesses. A dynamic public speaker and natural trainer, she has presented for multiple audiences in various industries across three decades. Having spent 30 years selling B2B services in every economic environment imaginable, Lisa has gained a multitude of diverse experiences and improved the financial situation of countless organizations. She is trained in design thinking, finance, business strategy, sales, advertising, and marketing. These skills allow her to spot and reveal the blind spots most B2B companies encounter in their sales funnel. Think of her as a sales sleuth, revealing and removing the obstacles that hold businesses back from realizing higher revenue and growth. Lisa considers herself a “COVIDpreneur”. She launched SMITH co in June 2020, and despite the turbulent economic landscape, she reached six figures in her first year. She has maintained that for the last 2 years consecutively. She deeply understands her client’s challenges; because she’s been there. She has been designing and creating her whole life. Her latest design challenge; adding a few new items to her summer wardrobe sewn with her own two hands, self-taught BTW. Connect with Lisa Instagram: @smithcosales LinkedIn: smithcosales Connect with Tiffany Visit our site: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant Links & Additional Resources Evy AI Martech.comThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you looking to increase your corporate IQ? Join Tiffany Grant as she interviews former career coach Tangil Johnson in this inspiring podcast episode! Johnson has helped Grant navigate up the corporate ladder and secure raises and promotions. Learn how to get an edge in the workplace with the "circle of five" concept – connecting with successful people who have knowledge and influence – and the revolutionary "Smitty plan", focusing on self-confidence, goal-setting, research, planning, and action. Get advice from a pro on understanding your passions, defining rewards, and navigating industry paths for career success. Plus, hear more about Tangil’s upcoming podcast, “Your Corporate IQ” – Tune in now! About Our Guest With over 40 years of experience in the corporate world, Tangil Johnson is a rare gift to those wanting to get into corporate, especially people of color. Through her consulting services, she has been empowering individuals to navigate the corporate landscape, overcome challenges, and achieve their goals. As a high-energy global corporate professional, she has achieved remarkable success in change management, sales, recruiting, marketing, facilitating, coaching, and training. Tangil's passion lies in helping others ignite their dreams and reach their full potential. Her expertise and industry experience span across management consulting, IT, engineering, manufacturing, staffing, search, corporate recruiting, and personal growth. Tangil holds a Bachelor of Science Psychology- I/O Psychology degree from Purdue University Global with a number of certifications related to assessments and HR - CEB, DiSC, PXTS, SHRM CP Connect with Tangil Facebook: Your Corporate IQ Instagram: @tangiljohnson Twitter: @tangilsmith Connect with Tiffany Visit our site: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant Additional Links & Resources The Career Toolkit with Mark Herschberg I Switch Careers & So Can You! Here's How! Boost Your Career with Personal Branding: What You Need To Know! How To Make More Money in Your Career - Tried and True Strategies for SuccessThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Get the facts about reverse mortgages in this informative episode with Todd Christensen. Learn why reverse mortgages are restricted to those 62 years old and over, how reverse mortgage proceeds can be used, and discover creative ways to use a reverse mortgage. Plus, get tips on other options that may be available for homeowners interested in tapping into their home equity without a monthly mortgage payment. Don't miss this informative episode about reverse mortgages! About Our Guest Author, Accredited Financial Counselor®, and HUD-certified housing counselor Todd R. Christensen, MIM, is an Education Manager at Money Fit by DRS, Inc., a nationwide nonprofit credit counseling agency. Todd develops educational programs and produces materials that teach personal financial skills and responsibilities to all ages. In addition to over a thousand counseling sessions, Todd has facilitated more than 2,000 workshops since 2004 on effective personal financial management. His experiences serve as the basis for his first book, Everyday Money for Everyday People (2014), sharing the discussions, tips, stories, and ideas used by the tens of thousands of participating individuals and couples. Connect with Todd Website: https://moneyfit.org Email: [email protected] Facebook: Money Fit by DRS Twitter: @MoneyFitbyDRS Connect with Tiffany Visit our website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant Additional Resources & Links Episode 188 - Spending Personalities with Todd ChristensenThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you an entrepreneur looking to protect your business's intellectual property? Join Yasmine Salem Hamdan and Tiffany Grant on this episode as they discuss legal landmines that entrepreneurs need to avoid. They emphasize the importance of trademarks, copyrights, and getting consent for content use in your paid products. Plus, Yasmine provides important tips on conducting a trademark clearance search so you don't accidentally step on someone else's toes. Tune in now for essential advice on protecting your intellectual property! About Our Guest Yasmine Salem Hamdan is an inspiring business lawyer, brand consultant & entrepreneur who emphasizes the importance of legal protection for entrepreneurs. She is the founder of Coaches & Company, a digital destination that provides entrepreneurs with ready-to-use legal contract templates and other premium business tools. Drawing upon her extensive experience in representing, supporting, and consulting business owners, Yasmine founded Coaches & Company to help protect hard-working entrepreneurs from getting into sticky legal situations. Through her work, she motivates entrepreneurs to put their ideas and gifts out into the world confidently and securely. Connect with Yasmine Website: https://www.coachesandcompany.com/ref/moneytalkwitht/ Use code "moneytalk" to get $50 off any package Facebook: Coaches and Company Twitter: @coachesandcmpny Instagram: @coachesandcompany Connect with Tiffany Visit our website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany GrantThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you worried about charity fraud? Don't be - just arm yourself with the right information to protect yourself and your donations! Tiffany is here to help. She explains common tricks used by fraudulent charities and offers tips on how to verify if an organization is legitimate. Learn why it's important to check the tax-exempt status and reputation of charities, review their financial statements and annual reports, and more - all with the goal of protecting yourself from scams. Don't miss out - listen now! Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany Connect with Tiffany Website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter (X): @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant YouTube: Money Talk With Tiff Additional Links & Resources https://www.irs.gov/charities-non-profits/tax-exempt-organization-search https://www.charitynavigator.org/ https://www.guidestar.org/This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Did you know that there's a difference between tax planning and tax preparation? In this episode, Nicole Durio and Tiffany Grant discuss the importance of effective tax planning. Learn how to collect documents & data, analyze your profit & loss statements, and identify tax-saving strategies with QuickBooks. Get ready for the end of the year with tips from this tax expert! About Our Guest Nicole Durio is a highly experienced Certified Public Accountant (CPA) based in Houston, Texas. She is currently the Managing Principal at Madison Brothers Consulting Group. She specializes in various areas, including external audit, advisory, mergers & acquisitions, small business consulting, governmental accounting, and not-for-profit accounting. With over 30 years of experience in accounting, financial reporting, and advisory, she has undoubtedly established herself as a proven leader in the consulting industry. She strongly believes in balancing faith, family, and finance in her life. This approach, combined with her extensive expertise and leadership skills, makes her a prominent figure in her field. Connect with Nicole Website: madisonbrothers.com Links and Resources Get Quickbooks: https://quickbooks.intuit.com/ Small Business Accounting Dont's: How to Steer Clear of Costly Mistakes Saving Money on Taxes with Lance Belline Connect with Tiffany Visit our website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Ever wondered what options trading is all about? In this insightful episode, Tiffany Grant introduces Jason Brown, who provides an easy-to-understand explanation of the world of stock market options. From the basics of how to buy a call option to understanding the difference between a 'call' and 'put' option, Jason reveals why options trading isn't as risky as it first appears. If you've been looking for an effective guide on how to get started with options trading, then this is the episode for you! Tune in & get ready to take your financial journey to the next level today! About Our Guest Jason Brown is the founder of The Brown Report, a personal brand he created with the goal of providing free education and support to new traders seeking success in the stock market. With over a decade of experience in stocks and options trading, Brown has positioned himself as a trusted guide for those navigating the financial markets. In addition to his work with The Brown Report, Brown has expanded his brand into Power Trades University, which appears to be a product or service offshoot of The Brown Report. His educational endeavors don't stop there - he also offers tutorials on how to trade stocks and options on his YouTube channel, where he has amassed thousands of views. Connect with Jason Visit his website: thebrownreport.com Instagram: @brownreport Connect with Tiffany Visit her website: moneytalkwitht.com This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you looking to get more from your investments? Real estate syndication may be the way! Tiffany Grant and Stephanie Walter discuss the ins and outs of this lucrative investing opportunity. Learn how the JOBS Act of 2012 changed syndication in a big way, plus discover what qualifications you need to be an accredited investor. Plus get insider tips from Stephanie on researching a location before investing, and learn all about her new book "Shattering Money Myths". Discover why real estate syndication can provide higher returns than REITs - listen now! To enter the book giveaway visit: https://moneytalkwitht.com/giveaways/ About Our Guest Stephanie Walter is a legacy cash flow specialist, capital raiser, syndicator, real estate investor and the CEO of ERBE Wealth. Prior to founding her investment group, Stephanie followed her dream of being an entrepreneur and started her own insurance agency. It was one of the largest, most highly awarded agencies in Colorado. She recently retired and sold her insurance agency of 16 years by following the key principles she now teaches professionals to use. Over years of working with her investors, Stephanie discovered that the very wealthy view and use money differently than the rest of us; they actively have their money working for them -- sometimes at several places at the same time! Stephanie realized these strategies can be used by anyone, not just the rich. Her passion is teaching people to “unlearn” what most of us have been wired to think about money and re-educating people on attaining wealth that can be passed onto the next generation. My goal is to connect my select group of investors with investment opportunities that I’ve found and vetted to be extremely desirable. And at the end of the day, I’m really looking to help my investors reach their financial goals. Connect With Stephanie Visit her website: https://erbewealth.com Facebook: ERBE Wealth Connect With Tiffany Visit our website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter (X): @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant YouTube: Money Talk With Tiff This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Ready to save for your future? Tiffany is here to help! In this episode, she answers a listener's question and shares her top tips for getting started with savings and retirement. Learn how to build an emergency fund, allocate contributions, and invest in multiple sources. Plus, get advice on how to plan for short-term goals without sacrificing long-term savings plans! Don't delay - start saving today! Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany Need help with exploring your options? Schedule a consultation with me here: https://academy.moneytalkwitht.com/15-minute-consultation. Additional Links & Resources Mini Talk: The Baby Emergency Fund Tiffany's Take: How Much Should My Emergency Fund Be? Get a FREE personalized financial plan to see what you should be working on: https://app.savology.com/landing/money-talk-with-tiffThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Looking for a career change or some extra income? Join us as we discuss the ins and outs of contracting with Lata Hamilton. From fixed-term contracts to day rate contracts, learn how you can use recruiters, temp agencies, and platforms like LinkedIn to find the perfect job. Plus, find out how Hamilton tripled her salary by utilizing different kinds of contract jobs. Finally, discover the importance of knowing your worth - get the tips that will make sure you're getting paid what you deserve! About Our Guest Lata Hamilton is a Change Leadership and Confidence expert, and the creator of the “Leading Successful Change” program. After tripling her salary in just 3 years to almost $200,000, her mission is to help millennial women carve their own paths in their career, leadership and life, and find the confidence and authenticity to truly earn their worth. Lata has worked with some of Australia’s biggest companies on changes that have impacted over 100,000 people, operating model changes impacting thousands, global cultural transformations, and digital transformation that is literally changing the way that we work. Connect with Lata Website: www.latahamilton.com Instagram: @latahamilton LinkedIn: Lata Hamilton Connect with Tiffany Website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter (X): @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant YouTube: Money Talk With Tiff Additional Links & Resources Staffing agency Tiffany recommends: https://grahamjobs.com I Switched Careers & So Can You! Here's How! How To Make More Money In Your Career - Tried and True Strategies For Success This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Worried about not being able to pay your mortgage? Don't fret! Tiffany Grant has come to the rescue with her expert advice on what you can do. From loan modifications and refinancing to short sales and forbearance, she'll give you all the options you need so that foreclosure can be a last resort. Plus, learn how to take advantage of government programs and seek help from financial counselors for even greater peace of mind. Listen now for the best tips on dealing with a mortgage crisis! Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany Need a second opinion? Don’t hesitate to schedule a consultation with me to explore your options: https://academy.moneytalkwitht.com/15-minute-consultation. Connect with Tiffany Website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter (X): @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant YouTube: Money Talk With Tiff This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Looking to teach your kids about money and financial literacy? Tyler Nicholls, the creator of Kudosy, has the perfect solution. Kudosy is an innovative education app that helps parents give their children points for good behavior they can use as a financial playground. With Kudosy, parents are able to help their children learn about saving, investing, and overall financial concepts in an easy-to-use interface. Learn more about Tyler's development roadmap for this revolutionary app and how it encourages family economics while teaching important financial lessons. Tune in now to learn about Kudosy and how it can help you raise financially literate children! About Our Guest Tyler Nicholls, a dynamic and seasoned entrepreneur with a passion for making a significant impact, is dedicated to serving people on a large scale through innovative software solutions. A graduate of Brigham Young University with a degree in Business Strategy, Tyler possesses a strong academic background that has informed his entrepreneurial pursuits. His dedication to education led him to a teaching career in 7th grade math at inner-city schools through the Teach for America program. To further expand his expertise, Tyler pursued a Master's degree from Boston University. As an avid investor and personal finance aficionado, Tyler has been deeply influenced by his father, a life-long financial advisor. This familial connection to finance has fueled his passion for financial literacy and its importance in today's world. Tyler's love for inventing software that creates a meaningful impact inspired him to establish Kudosy, a groundbreaking platform designed to empower individuals and families with financial knowledge. Visit Kudosy at https://kudosy.com/ Connect with Tiffany Website: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you interested in learning more about President Biden's new SAVE plan for student loans? Tiffany Grant provides a detailed overview of the plan, including how payments are calculated, the potential benefits and drawbacks of the plan, and who best suits the plan.&nbsp;Get all the information you need to know about the SAVE plan - like how it calculates loan repayments based on the borrower’s income and family size, not on the original loan amount - and find out if it's right for you!&nbsp;Don't miss out on this chance to learn all about this important student loan policy proposal.Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here:&nbsp;https://www.moneytalkwitht.com/asktiffanyNeed help figuring out how to pay off your debt? Don't hesitate to schedule a consultation with me to explore your options: https://academy.moneytalkwitht.com/15-minute-consultation.Additional Links & ResourcesOther Repayment Plans: https://studentaid.gov/manage-loans/repayment/plansStress-Free Student Loans: Everything You Need To Know To Manage Your DebtConnect With TiffanyVisit our website: https://moneytalkwitht.comFacebook: Money Talk With TiffTwitter: @moneytalkwithtInstagram: @moneytalkwithtLinkedIn: Tiffany Grant&nbsp;This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

It's time to get financially flexible! Chianté Jones, a full-time entrepreneur, is invited by Tiffany Grant for an insightful conversation about financial flexibility. Learn practical advice and activities to improve your money habits and free yourself from financial hiccups. Unveil the importance of saving regularly, strategic debt management, and investing in diverse avenues that can help you grow wealth. Hear Chianté's experience of taking the plunge into entrepreneurship after years of consistent saving and mindset shifts; it's inspiring! Join now to discover how you can become financially flexible too. About Our Guest Chianté Jones is a Financial Coach and the Founder of Dollars and Change. As a Certified Personal and Executive Coach, Chianté works with professional women who are ready to create more flexibility in their lives by confidently managing their money and executing a realistic plan to eliminate debt. Through personalized coaching, she provides education, guidance, and accountability to help them have more fun and fulfillment while still creating a solid foundation to build wealth. After becoming consumer debt free, accumulating over a million dollar net worth, and taking the leap from her 9-5, Chianté knows first-hand the freedom and options that come with having well-managed money. Her advice has been featured on PBS and numerous podcasts and her clients have said coaching with Chianté has changed their life and made talking about money feel safe and approachable. When she’s not helping women create more financial flexibility, you can find her binging a true crime show, Googling random things, or lounging at home with her husband and Yorkie. Connect with Chianté Instagram: @dollarsandchangecoach Facebook: Dollars and Change Coach Connect with Tiffany Visit the website: https://www.moneytalkwitht.com Facebook: Money Talk With Tiff Twitter (X): @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant YouTube: Money Talk With TiffThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you concerned that lifestyle creep is silently stealing away your financial stability? Tiffany Grant, Accredited Financial Counselor (AFC), shares her personal story of how lifestyle creep caused her credit card debt to skyrocket. Plus, she outlines her top tips on how to avoid the trap of income-driven spending. Get the insights you need to keep your finances in check and practice sustainable living – listen now! Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany If you are looking for guidance on how to keep your lifestyle expenses in check, I am here to assist you. Don't hesitate to schedule a consultation with me to explore your options: https://academy.moneytalkwitht.com/15-minute-consultation. Additional Links & Resources Budgeting Basics: How To Make a Personal Budget That Works For You Budgets! My Favorite Topic! Learn Why! Tiffany's Take: SMART GoalsThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you looking to become a financial educator? Don't miss out on the conversation between Tiffany Grant and Vince Shorb, CEO of National Financial Educators Council (NFEC).Vince shares his personal journey with finance and how he created NFEC with the mission of bringing quality financial education into communities across the globe. Learn more about their two certifications—for group teaching and one-on-one coaching—and how they ensure that their certified professionals have content knowledge, teaching expertise, and successful program skills.Get an insight into Vince's take on the lack of teacher training when it comes to financial literacy and learn how you can become a Certified Financial Education Instructor (CFEI) with NFEC today!About Our GuestVince Shorb is one of the country’s leading advocates for promoting financial wellness and a thought leader in teaching and scaling financial education programming.After spending 15 years in financial services working one-on-one with more than 20,000 people, he founded the National Financial Educators Council – an organization dedicated to combating the financial illiteracy epidemic. He is the current CEO of the NFEC, an IACET Accredited company and a Certified B Corporation. Vince’s mission is to create a world where people are informed to make qualified financial decisions and confidently take effective financial action that best helps them meet their basic human needs while moving toward fulfilling their personal, family, and global community goals.Shorb has led the NFEC in the development of 2,500 financial education programs and more than 80 financial literacy assets and financial education standards that guide the industry. His focus is on mobilizing and developing community champions and empowering them with the resources, knowledge, and processes they need to help their communities’ citizens work toward financial self-sufficiency and security.Connect with VinceVisit the website: https://www.financialeducatorscouncil.orgAccess the research: https://www.financialeducatorscouncil.org/financial-literacy-research/Instagram: nfec_fineduAdditional Resources and LinksVisit our site: https://moneytalkwitht.com/What is the Definition of Financial Literacy?Financial Literacy in Schools? Here are the Overlooked Pros and ConsFinancial Literacy in High Schools with Yanely EspinalFinancial Literacy for Gen Z: Why it Matters and How To Improve It&nbsp;This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Struggling with your credit score? Tiffany Grant, host of Money Talk with Tiff Podcast, shares easy-to-follow strategies on improving your credit. From understanding credit scoring models to getting free credit reports from the government mandated website, find out how you can increase your credit score and be on your way to financial success. Don't miss out on this invaluable advice - tune in now! Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany Additional Links & Resources A Comprehensive Guide to Credit for Millennials and Gen Z How Much Does Your Credit Score Matter? Markia Brown: How to Improve Your Credit Score Fast Need to book a consultation? Click here!This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Are you feeling overwhelmed by the ever-changing job market? Let Tiffany guide you through the latest trends and career tips to help you pivot or get your dream job. Learn about the growth in healthcare and social assistance, hybrid work schedules, the gig economy, remote work, and more in-demand skills. Plus, get practical advice on how to stay connected and motivated during this challenging time. So don't miss out - tune in now to get all of Tiffany's career tips! Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany If you are an organization and want to hire Tiffany to speak or partner with Money Talk With Tiff, visit our Corporations page at https://academy.moneytalkwitht.com/corporations. Additional Resources Visit our website: moneytalkwitht.com How To Make More Money In Your Career - Tried & True Strategies For Success Last week's episode: I Switched Careers and So Can You! Here's How! Goals Series from January: Tiffany's Take: Goal Setting Tiffany's Take: SMART Goals The Most Effective Way To Tackle Your Financial Goals Goal Implementation: How To Actually Accomplish Your Goals How To Stick To Your Goals When You Don't Feel Like ItThis podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Struggling to produce a play on a budget? Let Adrian Quarles, an experienced and resourceful playwright, poet, and formerly homeless individual show you how it's done! In this inspiring podcast conversation with Tiffany Grant, Adrian provides invaluable tips for getting your theatrical production off the ground without breaking the bank. Learn how to identify your target audience, get liability insurance, save money for financing the play, make a budget list, and book venues through Google and word of mouth – all while staying within your resources. Tune in now to find out more about Adrian's experience with producing plays during the pandemic and gain insight into his philosophy of having a 'thrift store mentality!' About Our Guest Adrian Dion Quarles is an Artist of multiple platforms from Shelby, NC. He has acted in 38 plays, including TIME which he wrote, produced, directed, and acted in September 2019. He has also released three hip-hop mixtapes and is an educator for Guilford County Schools. He's currently the host and creator of ADQ'S RENAISSANCE podcast, in which he aims to connect all black artists of all platforms. Connect with Adrian YouTube: https://www.youtube.com/@AdrianDionQuarles Resources & Links Visit our website: https://moneytalkwitht.com Previous episode: Overcoming Homelessness & Mental Health with Adrian Quarles This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy

Need a career change? Join Tiffany Grant on her podcast to learn tips and strategies for successfully changing careers. Hear from Tiffany about the importance of identifying transferable skills, finding the right resources, and how to balance financial security while taking this leap in your professional life. She'll also discuss potential challenges and ways to tackle them with courage. Get ready for some inspiring advice that'll help you pursue your dream career! Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany If you need help talking through your career pivot, I would be happy to help! Be sure to book a consultation to see how I can help: https://academy.moneytalkwitht.com/15-minute-consultation Additional Resources How To Quit a Job Without Damaging Your Career The Career Toolkit with Mark Herschberg | Ep. 97 Visit our website for more career tools and resources: https://moneytalkwitht.com This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacyOP3 - https://op3.dev/privacy