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Brown Ambition

Brown Ambition is a show about juggling life, money, and your career.
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Aug 15, 2018
Welcome back to a new episode of Brown Ambition!

On today's show, we dedicate some time to questions from our listeners. 
 
One listener wants to know how much she should save by age 30. We take her question on the show and actually reveal how much WE saved by age 30 ourselves. Here's a link to the resource mentioned on the podcast, the JP Morgan Chase Guide to Retirement. The chart that suggests how much to save by different ages is on page 18! Also posting a screenshot below: 
 
Aug 8, 2018

Happy Brown Ambition Wednesday!

On today's show: 

Aug 1, 2018

On today's show, we're joined by Miko Branch, who in 2004 co-founded Miss Jessie's curly hair products with her sister Titi, inspired by their grandmother's homemade recipes They have been serving the curly, kinky and wavy hair community ever since.

This episode originally aired on March 25, 2017.

 

 

Jul 25, 2018

Happy Brown Ambition Wednesday!

On today's show: 

Jul 18, 2018

On today's show: 

  • We shoutout listeners who Tweet or Instagram us on each show. Want a shoutout? Hit us up at @brownambitionpodcast on the gram or @theBApodcast on Twitter. 
  • We take a question from listener Sheena who wants to know if she should defer her student loans in order to pay off her car. 
Jul 11, 2018

Each week we feature comments/questions from our listeners on Twitter and Instagram! Want to get a shoutout? Hit is up @theBApodcast on Twitter or @brownambitionpodcast on the gram. 

As mentioned on the show, here are some great resources if you're looking for a low down payment mortgage program: 

LendingTree: Your Guide to First-Time Homebuyer Programs

MagnifyMoney: The Best Mortgages That Require No or Low Down Payment

HUD: Search down payment assistance programs in your area

Disclaimer: The Q&A segment on our show is when we give off the cuff advice and tips we hope can help you start moving in the right direction — these answers are not intended to serve in place of advice from a certified financial adviser or planner or other financial professional. 

Jul 4, 2018

Happy Fourth of July! We're back with a fresh episode this week. 

We cover: 

Jun 27, 2018

We tackle some juicy topics on today's show:

  • Tiffany's decision on a $60,000 home upgrade (Yikes.)
  • NYT's sobering report on discrimination against pregnant women in the workplace
  • And we take YOUR questions on personal loans, credit cards and how young is too young to build credit.

Want to get a shoutout on next week's show?

Leave us a message on Twitter @TheBApodcast or Instagram @brownambitionpodcast.

 

Jun 20, 2018

Happy Brown Ambition Wednesday!  

On today's show: 

  • This is America? Unpacking the heartbreaking news from the border. 
  • Personal loans vs credit builder loans
Jun 13, 2018

On today's show, we have a truly inspiring story to share. Leo and Faith were about to get married when they attended pre-marital counseling at their church. It was then that they were encouraged to sit down and get honest about the finances and their goals as they started a family together. In total, they carried over $211,000 worth of debt — a combination of both student loans and credit card debt. 

Rather than give up, they rallied and made a plan to aggressively tackle their debt in the summer of 2017. Faith, a nurse practitioner, took on a part-time job working overnight 5 or 6 days a week. Leo, an occupational therapist, also worked a part-time job in addition to his 9 to 5.

As of May 2018, they had successfully paid down $100,000. 

They share their story on today's show. Tune in and hit us up on Twitter or Instagram let us know what you think about their story!

Jun 6, 2018

Happy Brown Ambition Wednesday!

Today on the show, we share some messages from our listeners on Twitter and the 'gram. Hit us up @theBApodcast or @brownambitionpodcast to share your thoughts on this week's episode, give us a shoutout or ask a question.

One of our listeners has a question about the credit card she realizes might not have been the best choice for her....and yikes. It definitely makes our list of our least favorite credit cards. As mentioned on the show, check out this guide to the Best Credit Cards and the Best Credit Cards for Students, each curated by the team at MagnifyMoney. 

Also on the show today:

  • Options for financing a home improvement project
  • Socially responsible investing tips 
  • The awful news that Kate Spade committed suicide rocked us both and reminded us of the importance of leaning on others when we are facing hard times and prioritizing our mental health. The National Suicide Hotline is 1-800-273-8255. As mentioned, here's the spreadsheet Tiffany's Dream Catchers Facebook group has crowdsourced with therapists across the country. 
May 30, 2018

Happy Brown Ambition Wednesday! We are BACK with an amazing guest on today's show — Gayle Jennings-O'Byrne, founder and CEO of iNTENT Manifesto, a new movement aimed at helping women of color-led startups find investors for their businesses. 

"I had to set my own rules. I remember when I told people I want to unlock $1 billion for black women and women of color. People looked at me like I was crazy but they said OK what do I need to do to help you? " 

We talk to Gayle about why she left her 17-year career at JP Morgan Chase after a health scare to launch iNTENT and what resources are out there for women looking to start businesses today:

"I just remember thinking, Lord, if I get through this I'm gonna do things differently. And one of those things I said I was gonna do differently was become a champion for women who look like me."

Sign the manifesto here: https://www.intentmanifesto.com

May 23, 2018

On today's show: 

  • The most important number to know: Your net worth! We take a question from listener Ashely about how to manage side hustles to boost her net worth and we chat about what net worth really means and why you should focus on building your net worth in 2018. You can still sign up for Tiffany's Live Richer Challenge: Net Worth edition.

Have a money or career question?

Go to Brownambitionpodcast.com or send us a note at brownambitionpodcast@gmail.com 

*This episode originally aired on Jan 10, 2018.*

May 16, 2018

Today on the show:

  • We share some real talk beauty confessions...and when it’s worth it to splurge vs save 
  • We used a free stock trading app to buy stocks recently...we’ll tell you how it’s going!
  • We take a question from a listener who wants to know if she should buy a house with her partner before they get married. Yikes. 

Some links to news stories and sites mentioned on the show!  

https://www.intentmanifesto.com/

https://www.magnifymoney.com/blog/building-credit/guide-adding-authorized-user-credit-card432701458/

https://www.cbssports.com/nfl/news/can-i-legally-bet-on-sports-now-everything-you-need-to-know-about-supreme-courts-ruling/

 

May 2, 2018

Want to get a shoutout on our show? Follow us @brownambitionpodcast on Instagram. Post a photo of yourself, tag us in it and use the hashtag #BrownAmbition. In the post, tell us why you're the ultimate representation of Brown Ambition. Did you just score a big promotion at work? Ace your final exams? Finally open that savings account you've been wanting to for months? We want to hear about it. Each week we'll share a story on our show!

On today's show: 

  • We discuss ways we all try to save our parents from themselves (and their awful money choices sometimes) 
  • Tiffany shares a health update
  • Mandi explains the controversy around Zelle, the bank transfer service. 
  • We answer a listener question on 401(k)s

 

Apr 25, 2018

Ep. 125 — The Debt Consolidation Cycle

Happy Brown Ambition Wednesday!

We're featuring a "win of the week" from our BA listeners on Instagram (@brownambitionpodcast) or Twitter (@theBApodcast). Tell us your win of the week and we might feature it on the show!

 

Apr 18, 2018

In September 2016, Sharon Epperson was at the gym when she felt a relentless, migraine-like pain shoot through her head and neck. One S.O.S. call to her husband and several hours in the hospital later, she learned she was one of 30,000 people in the U.S. who suffer a brain aneurysm rupture each year. Two in five die instantly and African Americans are twice as likely as white people to suffer from one.

Sharon, who is the senior personal finance correspondent at CNBC, was one of the lucky ones. On today’s show, she calls the experience one of the great blessings of her life and shares her story with Mandi, including:

Her early days in rehabilitation when she had to relearn everyday tasks.

“That road had so much pain on it. There were people in those rooms who I know probably wouldn't make it...I remember thinking I just have to look at the door straight ahead. If I look in these rooms I’m going to fall down.”

What it was like to return the air at CNBC after 13 months of rehabilitation.

“I am recovered in that I can do that job but I’m doing it differently and better than I’ve ever done it before.”

The financial choices she made that protected her family’s finances during her recovery and time off from work.

“There couldn't have been a rainier day for my rainy day fund. The fact that I had an emergency fund was key. It meant I didn't have to do what many people may have to do which is dip into a 401(k) or their retirement savings to pay for a medical bill.”  

The key steps Sharon says everyone should take to protect their families if they become disabled

—Build an emergency fund

—Sign up for disability insurance

—Secure a power of attorney

Learn more about brain aneurysm research here: bafound.org

Follow Sharon on Instagram and Twitter.

 

Apr 11, 2018

Have 15 seconds to spare? Please take our NEW reader survey! (Yes another one — but this one's more important! Please fill it out :) 

We need at least 250 to sign up and we're halfway there in less than a day. Y'all are the best. Please fill it out if you haven't yet. 

xxMandi & Tiffany

Apr 4, 2018

Today on the show we have attorney extraordinaire Art Steele.

Art Steele is a business and estate planning attorney who helps entrepreneurs and families protect what matters most.  
 
She started her career at Skadden Arps in Washington, D.C., then went to work at General Tax Counsel for Discovery Communications.  She started her own law firm in 2014 and started the Legal-EASE for Entrepreneurs Podcast in 2016 which empowers minority business owners to tackle the legal needs of their business.  
 
To get Art's estate planning checklist mentioned on the show text “Willpower” to 44222 (you'll be prompted to enter your e-mail to download and may receive future emails from Art about estate planning) or you can download the checklist directly from this link. 
Mar 28, 2018

Happy Brown Ambition Wednesday!

Today on the show: 

  • The parental pressure around baby birthday parties — let's discuss. 
  • The Federal Reserve Bank raised rates again last week....what the heck does that mean for us? Mandi explains.

Today on the show we mentioned the Credit Karma credit score simulator: 

And also You Need a Budget is a solid app/budget management tool. 

Mar 21, 2018

This week, we welcome a very special young entrepreneur who recently reached out to the show to tell us her story of clawing her way out of $80,000 worth of debt. 

Tasha Danielle, 31, is a corporate accountant in Detroit and founder of Financial Garden, LLC, a financial literacy program that partners with Detroit-area businesses and nonprofits to bring financial literacy to public schools. Before she began working with schools, Tasha was like many 20-somethings who graduated at the height of the recession — mired in student loan debt and already feeling like she was starting her career three steps behind because of her massive debt load. 

Over the years, she overcame a broken engagement, job changes, and took drastic measures to not just maximize her income but minimize her spending to aggressively pay down her debt. 

Tune in to hear how! 

Brownambitionpodcast.com

 

Mar 14, 2018

Today's show is all about YOU, our lovely listeners. We're shaking up our mail bag and answering your burning money and career questions. 

Have a question? Hit us up at brownambitionpodcast.com. 

We're having a special guest soon to talk about ALL the documents you should have in order before you die...a will? Power of Attorney? What does that even mean anyway? We've got you covered. Send us your estate planning Qs and we'll select a few to discuss on the show!

Here are a few resources we mentioned on today's show: 

Mar 7, 2018

A packed show, per usual!

First up, we have some REAL TALK about insurance. It's that thing we all know we need but don't really talk about it until it's too late. We'll explain the basics of life insurance and offer tips on how to shop and compare policies. The site mentioned on the show is Policygenius.com, which you can use to shop and compare policies.

We also take a listener question about keeping credit cards at a $0 balance. Have a Q you want answered? Hit us up at brownambitonpodcast.com.

Other topics on today's show: 

  • Looking for a job? Tune in to hear Mandi's warning for job candidates who aren't 100% truthful on their job applications. 
  • #OscarsSoWOKE
  • Happy Independence day Ghana! Here's another excuse to read Mandi's favorite book of the year — Homegoing by Ghanian-American novelist Yaa Gyasi. 
Feb 28, 2018

Have a question for the show?

Head to brownambitionpodcast.com 

Also, we're on Instagram! @brownambitionpodcast

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