Shows
Black and Brown Make Green, A Money Podcast74. Let's debunk some money mythsSometimes it's hard to sift through opinions that are so deeply rooted they become folklore. A bad opinion that is so ingrained is a myth and you know of and have heard many money myths in your life. In this episode Natasha and Damian debunk a few money myths you may be believing in.
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Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here.
Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe We will send you...2024-05-1526 minBlack and Brown Make Green, A Money Podcast73. Money routines you need in your lifeHave you ever wanted to just say "Money is easy?" In this episode Natasha and Damian share just how they put money management on autopilot, including all the tips, tricks, and techniques they use and how they have changed over time.
Book your Clarity Session (a detailed financial review and action plan)
Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here.
Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up.
Listen online to this episode at https://blackandbrownmakegreen.com/podc...2024-05-0827 minBlack and Brown Make Green, A Money Podcast72. Is owning a home overrated?In this episode Natasha poses a question that many people of our generation and younger are having to produce answers to. That question is, "Is owning a home overrated?" We discuss the benefits and drawbacks of owning a home vs. renting a home or apartment and give our opinions on the question at hand.
Book your Clarity Session (a detailed financial review and action plan)
Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here.
Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe We will...2024-04-1719 minBlack and Brown Make Green, A Money Podcast71. Lost and unclaimed retirement accountsThere are over 29 million retirement accounts that have gone unclaimed that total $1.65 trillion in assets according to a U.S News article by Brian O'Connell. Are all of your retirement accounts accounted for? If not, tune in to find out what to do to recover them.
Resources
National Registry of Unclaimed Retirement Benefits
U.S. Dept. of Labor Abandoned Plans
Tips for finding an unclaimed retirement benefit
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Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how...2024-04-1117 minBlack and Brown Make Green, A Money Podcast70. What to do with that tax returnYour tax return just hit your checking account and it's burning a hole in your pocket. Before you spend it, tune in to this episode to find out some things that you may do with it instead of buying that item you've been wanting for months. Your future self may just thank your past self for slowing down and thinking it through!
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Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here.
Sign up for the email list...2024-04-0318 minBlack and Brown Make Green, A Money Podcast69. How to save and still find joy in lifeDebt can make you feel like you're under a pile of bricks when you have it. In this episode, Natasha and Damian discuss ways to save and pay down debt while still finding ways to extract joy and meaning from life.
Book your Clarity Session (a detailed financial review and action plan)
Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here.
Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up.
Listen online to this episode at ...2024-03-2024 minBlack and Brown Make Green, A Money Podcast68. Why you should get life insurance right nowIn this episode Natasha and Damian discuss the importance of having life insurance, the details of their life insurance policies, and why it's important to start making plans for when death comes a'knocking.
Book your Clarity Session (a detailed financial review and action plan)
Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here.
Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up.
Listen online to this episode at https://blackandbrownmakegreen...2024-03-0623 minBlack and Brown Make Green, A Money Podcast67. Should I claim this accident on my vehicle insurance?There are so many decisions that shape your personal finances and that is what makes them personal. In this episode we discuss vehicle insurance. How much coverage should you have? Should you claim an accident on your insurance? Why does this decision differ from other types of insurance?
After a deer hit Natasha while driving, she questions whether she should claim the repair on her vehicle insurance and walks you through the decision-making process she uses to determine if she should even fix the damage or not.
Book your Clarity Session (a detailed financial review and action plan)...2024-02-2719 minBlack and Brown Make Green, A Money Podcast66. Should I pay off my debt or not?The decision to pay off debts or not can be very emotional. In this episode we walk you through our decision-making process for paying off debts or holding onto those debts so we can maximize our earnings potential using a few different decision points, and the rationale that went into making the decision around the big question of, "Should I pay off my debt now or not?"
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Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find...2024-02-2123 minBlack and Brown Make Green, A Money Podcast65. Getting a new jobIn this episode, Natasha and Damian discuss the year-long journey of getting a new job. They discuss the preparation and the process, which includes planning, resume writing, and sharpening skills.
Book your Clarity Session (a detailed financial review and action plan)
Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here.
Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up.
Listen online to this episode at https://blac...2024-02-1436 minBlack and Brown Make Green, A Money Podcast64. Life without Amazon PrimeNatasha and Damian, the hosts of the Black and Brown Make Green podcast, discuss the pros and cons of relying on Amazon Prime for purchases versus going without it. They share their personal experiences and insights on how to make do without Amazon Prime. Tune in to to learn more about their financial education and tips on how to manage your money with confidence.
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Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how ...2023-12-1220 minBlack and Brown Make Green, A Money Podcast63. Am I a Scrooge? Rethinking gift-giving during ChristmastimeIn this episode, Natasha and Damian talk about how they are considering a different approach to gift-giving during Christmas time. They discuss the impact of consumerism on the environment and the importance of adopting a needs-based approach to gift-giving. Lastly, they discuss their approach of adopting a family to give to someone in actual need, and the different thought process that surrounds that act.
Book your Clarity Session (a detailed financial review and action plan)
Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how...2023-12-0521 min
Stay At Home Mom? Yeah Right!Be Confident With Your Money: A Chat With Natasha CarrilloNatasha is the founder of Money with Confidence, where she serves as a Financial Educator and Coach. She is the co-host of Black and Brown Make Green, a financial empowerment podcast that she hosts with her husband, Damian. Her mission is to educate and inspire others to manage their money with confidence.Natasha holds a B.S in Elementary Education and Master's in Educational Technology. She spent 10 years in education with most of her time as an Elementary Teacher and Instructional Coach. She volunteers as a financial mentor with 3rd Decade. She does one-on-one coaching and money...2023-11-2822 min
Healing MyselfEp. 71: Money talk with Natasha and Damian Carrillo.If you caught episode 70, then you know we weren’t sure if we’d be able to make the last five episodes of the year happen because we’ve been through a lot lately, and we wanted a break. Well, we decided to find a way to work smarter instead of giving up.
We’ve been blessed to be guests on a number of other podcasts this year, and we’re sharing a few of those episodes and reflections. Up first, is our convo with Natasha and Damian Carrillo of Black and Brown Make Green Podcast. We had an honest mon...2023-10-2335 minBlack and Brown Make Green, A Money Podcast62: Financial accounts we useWhat financial accounts do you use and why? Sometimes it can be crippling to decide on financial accounts because there are so many out there. In this episode, we reveal the exact accounts we use - credit cards, budgeting apps, bank accounts, and retirement accounts. Most of you probably know that we use Sofi Bank, but are you curious to know what other accounts we use on a daily basis? If so, check out this episode to find out which ones we use and why.
Need a new bank? Try out SoFi! We enjoy the 4.50% APY on...2023-10-1134 minBlack and Brown Make Green, A Money Podcast61: Where is the Hope?Where is the hope? Rising prices, stagnant wages, and climbing debt can make life feel hopeless. How can you afford a home with today’s high prices and interest rates? How can you keep up with inflation when salary and wages are not keeping up with inflation? How do you handle the current economic challenges that make things seem hopeless?
Hope is a powerful tool that can help us to overcome challenges and to achieve our goals. Even when things are tough, there is always hope.
We discuss some real-life tips and strategies to help yo...2023-09-2734 minBlack and Brown Make Green, A Money Podcast60: Getting one month ahead - How to avoid stress and anxiety with your moneyGetting one month ahead in your finances means that you have enough money in your bank account to cover all of your bills and expenses for the next month before it even starts. This way, you don’t have to worry about living paycheck to paycheck, overdraft fees, late payments, or unexpected emergencies.
But how do you get one month ahead in your finances? It may seem impossible, especially if you are facing financial challenges or have a lot of debt. But don’t worry, we have some tips and strategies that can help you achieve this goal...2023-09-2016 minBlack and Brown Make Green, A Money Podcast59: Help, I'm overspending!In this episode, we’re going to be honest with you and tell you how we discovered that we were spending way more than we needed on some of the things that we thought were important, but actually were not. We’ll also share with you some of the strategies that we used to cut down our expenses and increase our savings.
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Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here.
Sign up for the email list...2023-09-1323 minBlack and Brown Make Green, A Money Podcast58: An honest money conversation with Scott and Shaté from The Love Haze PodcastScott and Shaté Hayes are the hosts of The Love Haze podcast. They process out loud what most people experience in silence, and in this episode, they process their thoughts, feelings, and experiences around money out loud with us.
Book your Financial Review (Clarity Session)
Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here.
Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe We will send you our free 10 Step Guide to Figure Out Your Finances when you sign up....2023-09-0629 min
Investor MamaExpert Tips for Parental Budgeting - How Natasha and Damian Carrillo from Black and Brown Make Green Make Smart Money DecisionsIn this week's episode, Natasha and Damian Carrillo from Black and Brown Make Green share their top tips and tricks for managing a family budget and making smart money decisions. They break down their own budgeting strategies and discuss how they prioritize expenses, save money, and plan for the future. Using their personal experiences and expertise, they offer actionable advice on budgeting and savings for parents. Tune in to learn from them and take control of your family's finances!2023-05-0456 minBlack and Brown Make Green, A Money Podcast57: Are credit card points worth it?Jen Narciso from the Investor Mama podcast shared about travel hacking using credit cards rewards points in episode 56. Damian and I keep the conversation going by digging deeper into using credit card rewards.
In episode 57, we tackle the question: Are credit card points really worth it? We share our experience using credit card points for travel, cashback, and rewards. We talk about how to know if you're getting the short end of the stick when it comes to using credit card points and the consequences of closing a credit card. We also talk about Damian's journey to reac...2023-04-2624 min
Black and Brown Make Green, A Money Podcast56. Travel hacking with Jen Narciso | How to travel for free or cheap using credit card pointsJen Narciso from the Investor Mama podcast has traveled to Disney, Washington D.C, and Hawaii for free or nearly free, and she shares all the details on how you can too.
Jen shares how she has used different rewards points from credit cards to get free flights, free hotels, free Disney tickets and free breakfasts! Using points for traveling always seemed like work to me, but Jen makes it super easy with her approach.
Jen is the host of the Investor Mama podcast. She is a real estate investor, realtor, wife, and mom of 2. C...2023-04-0531 minBlack and Brown Make Green, A Money Podcast55: 3 things everyone should know about their financesNatasha and Damian each share 3 things they think everyone should know about their money.
Do you know your numbers?
How much insurance should you get?
Is a 3-6 month emergency fund enough for us?
How do you balance making money and taking care of yourself?
How do you become the best advocate for yourself in the workplace?
How do you work with your partner to make your best money decisions together?
What holds people back from talking about money?
How can we make...2023-03-2232 minBlack and Brown Make Green, A Money Podcast54. How being in a relationship affects our finances | Where would I be without you?People can make a huge impact on your life. Even just one interaction can change your trajectory. This episode is somewhat of a reflection episode where we reflect on the impact we've had on each others' lives, and we discuss how our lives would be different without each other. We discussed career, finances, and risk-taking and how we can utilize relationships for our growth. We discussed stock splits, investing strategies, and more.
Book your Clarity Session (a detailed financial review and action plan)
Want to learn exactly where your money is going, how to track it, and how to...2023-03-1523 minBlack and Brown Make Green, A Money Podcast53: How to save for your kid's collegeWe hope our kids will get a full ride scholarship if they choose to go to college, but if not, we've got plans. Are you saving for your kids' college? Or do you have other money matters you're trying to figure out? Get help here if you're trying to figure out your own money plans.
Damian and I were fortunate to graduate college debt free, but about 45 million Americans have student loans. We hope to relieve our kids of this burden, which means we've already started saving for them.
Listen in to hear why we've ch...2023-03-0826 minBlack and Brown Make Green, A Money Podcast52: Raising money-confident KidsHave you ever said, 'I wish I learned that sooner'? If you have kids, then you have the opportunity to help them learn it sooner - learn about money management that is. We were both raised to be money confident adults. We didn't have all the knowledge we needed, but we had enough to quickly propel us up the ranks of financial freedom. No worries if you didn't have the same experience because we're sharing what that looked like for us and how we're helping our kids to become money confident kids. And if you're feeling unconfident yourself, there...2023-03-0125 minBlack and Brown Make Green, A Money Podcast51: Break up with your bankMost people never consider switching banks, but Damian and I have each had 7 different bank accounts. Our main motivator in switching banks is to earn more money, but there are other reasons as well.
We always look for a bank that offers a high yield savings account and one that does not charge fees to have a checking or savings account. Does your bank charge a fee for your checking and savings account, and are you getting the most out of your banking relationship? Listen to find out what we consider when choosing a bank and to hear...2023-02-2223 minBlack and Brown Make Green, A Money Podcast50: Spenders vs. SaversYou might identify as a spender or a saver, but the reality is that we are all spenders and savers. This week we discuss our inclination towards spending or saving, how it manifests, and strategies we use to try to be more balanced between the two. Listen in as we share our emotions around spending versus saving and how we work to bring our spending and saving habits more into balance.
Sign Up for Money Talks Webinar
Saving vs. Spending and How Our Brains Are Wired Around Money (aarp.org)
Your Brain May Be W...2023-02-1522 min
Black and Brown Make Green, A Money Podcast49: Money Talk$ with Sherifah Munis of NewWave FoundationSherifah Munis is the founder of Newwave Foundation, a nonprofit organization whose mission is focused on inspiring the next generation of dreamers by creating opportunities for educational equality. Sherifah shares about how credit almost got the best of her because of an initial lack of knowledge around handling credit, and how Newwave Foundation aims to prevent things like that by filling knowledge gaps and providing equitable financial education to students, young adults, and even parents. Beyond that she shares how Newwave Foundation is committed to making the most of their financial knowledge to positively impact themselves and others well...2023-02-0125 minBlack and Brown Make Green, A Money Podcast48: Make Green Challenge part 4 - Values to help you design a meaningful lifeWhat are your guiding principles? What are the values you have that guide your actions? What are the qualities that really matter to you? What are your family's values? What are your partner's values?
These values are the things that guide you. These values are what make you say yes to some things and no to others. Can you name yours? We think we saved the best for last (in the Make Green Challenge). We discuss our values and the importance of identifying them in order to chart a path for your life.
This episode h...2023-01-2532 minBlack and Brown Make Green, A Money Podcast47. Make Green Challenge part 3 - Putting processes on autopilotDo you like doing difficult things? Probably not. We feel the same when it comes to money. Managing money should be fairly easy. Yes, there may be some difficulties getting everything set up, but on a day-to-day basis, it should mostly be easy. We share our tips and strategies to make money easy in part 3 of the Make Green Challenge. In this week's challenge, we are challenging you to take one of these actions to make managing your money easy. Listen to find practical tips to make it easy.
Resources & Related Links
Episode 46: Make Green Challenge P...2023-01-1822 minBlack and Brown Make Green, A Money Podcast46: Make Green Challenge part 2 - Tools for the winWe never thought we needed a budget because we've always spent less than we made. Therefore, we were always saving, but there wasn't any intentionality around the money that we saved. We weren't saving a set amount and we were just giving ourselves the leftovers. No longer do we give ourselves the leftovers! We plan to save to be able to pay for things that matter to us - early retirement, traveling, and experiences. We share our journey from no budget to recognizing the need for us to budget in part 2 of the Make Green Challenge.
In...2023-01-1123 minBlack and Brown Make Green, A Money Podcast45: Make Green Challenge Part 1 - Flex on that RetirementEating greens and black-eyed peas is a long-standing New Year's Day tradition in the Black community and in others as well. We eat greens to bring us money during the year, and the black-eyed peas are for good luck. We're taking you beyond Black-eyed peas and greens with this series of episodes, and we're giving you practical tips on how to truly make green and get to a better place financially by the end of this year. We start part 1 with a focus on retirement. Most people don't get started on retirement until later in life, but it is...2023-01-0432 minBlack and Brown Make Green, A Money Podcast44: Our successes, setbacks, and setups coming into the next yearThis week we reflect on our biggest successes and setbacks from 2022. We share how we are ending this year on a high note, the strategy we're using to make sure we check all our 2022 goals off our list before the year ends, and how we plan to make 2023 a success.
We reference episode 17, our Yearly Finance Check-in episode that we are using to help us end this year strong. Check it out and listen to this week's episode as well.
Helpful links
Episode 17: Yearly Finance Check-in
3rd Decade - Nonprofit Creating Financially Literate and...2022-11-2329 minBlack and Brown Make Green, A Money Podcast43: Snap purchase, impulse buy, or informed decision?We bought a new car a few weeks ago, and the process was very easy because we knew all of our numbers beforehand. We discuss buying vs leasing, getting a loan vs paying cash, and give you all the details about our experience.
You may not be in the market for a new car, but knowing your numbers when it comes to making big purchases is important.
Book your Clarity Session (a detailed financial review and action plan)
Want to learn exactly where your money is going, how to track it, and how to reach your goals? Fin...2022-11-1619 minBlack and Brown Make Green, A Money Podcast42: Know your benefitsThis week's episode is inspired by a bill we received from Noah's pediatrician. We have been dealing with this bill since February of this year. We discuss how to choose the best health benefits for you, the difference between FSAs and HSAs, other company benefits, and more about knowing your benefits.
Book your Clarity Session (a detailed financial review and action plan)
Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here.
Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe We will...2022-11-0924 minBlack and Brown Make Green, A Money Podcast41: Our credit card got declined!We are talking all about credit on this week's episode. We discuss how we choose the best credit card for us, why we choose to use credit, and why you should or should not use credit cards.
In This Episode We Discuss
What does it mean to take unconfident action?
How do we use credit cards?
Is it worth it to use credit cards?
Is it important to have credit?
What are the best credit cards to use?
How can you protect your credit?
Resources & Related Episodes
Annual Credit Report - Get your free...2022-11-0226 minBlack and Brown Make Green, A Money Podcast40: Taking unconfident actions | A new way of thinking part 2Do you avoid doing things because you don't feel good enough? Do you defer to others because you feel unconfident? How do you decide to take action when you're feeling like that? How do you take unconfident action? Sometimes you have to do things when you're scared, unconfident, unsure, or when you just don't feel good enough. We explore how we deal with feeling unconfident, how to recognize if you're self-sabotaging due to being unconfident, and specific ideas of how to take action when you feel unconfident.
In This Episode We Discuss
What does it mean...2022-10-2622 minBlack and Brown Make Green, A Money Podcast39: I'm not good enough | The Abundance vs. Scarcity mindset | A new way of thinking part 1How often have you thought any of the following: I'm not good enough. I don't belong here. I don't know enough to do this. Who am I to be in this position? These are self-defeating thoughts that may be holding you back from
ching your full potential and living your most abundant life. Embracing an abundance mindset has changed the way we view the world and the way we interact in it. Learn how we tap into an abundance mindset, and how we keep those negative thoughts at bay.
In This Episode We Discuss
...2022-10-1222 minBlack and Brown Make Green, A Money Podcast38: The one thing that has the biggest impact on your incomeIn This Episode We Discuss
What are some of the factors that impact your income?
What is the biggest impact on your income? This one thing can increase your income by 20%!
How do you access the biggest impact on your income so that you can increase your income?
Resources & Related Posts
Vast New Study Shows a Key to Reducing Poverty: More Friendships between Rich and Poor
Social Capital II: determinants of economic connectedness
Seven Key Takeaways from Chetty's new research on friendship and economic connectedness
Network Opportunity: social capital and economic mobility...2022-10-0523 min
Black and Brown Make Green, A Money Podcast37: We hired a financial planner. Should you? Part 3 | Meet our financial planner, Thomas KopelmanThomas Kopleman is a financial planner with AllStreet Wealth. He was selected as one of Investopedia’s Top 100 Financial Advisors for 2022. He is passionate about financial planning and has a blog, thomaskopelman.com where he writes weekly about personal finances. He hosts a podcast, The Long Game, where he shares even more on personal finances.
In This Episode We Discuss
What is a financial planner and what does a financial planner do
The difference between a financial planner and adviser
How to choose a financial planner
How to know if you need a financial planner
Ways a f...2022-09-2825 minBlack and Brown Make Green, A Money Podcast36: We hired a financial planner. Should you? Part 2 | How to improve your finances without a financial planner or professionalIn 2017, Damian and I started our journey to figure out our finances as a couple. We had been married for 2 years at that point and we were ready to strategize.
We did research, we made a plan, and then we implemented that plan.
This week we share the intimate details of what we did to figure out our finances. These are the steps we took before we hired a financial planner. These are the steps that put us on the path to financial independence. Do you want to fully understand and make a plan for...2022-09-2126 minBlack and Brown Make Green, A Money Podcast35: We Hired a Financial Planner. Should You? Part 1In This Episode We Discuss
Our experience working with a financial planner
The different types of financial professionals you could work with, including a financial planner, a financial coach, and/or financial therapist
How to know what type of financial professional is right for you
Resources & Related Posts
Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe
Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial...2022-09-1424 min
Black and Brown Make Green, A Money Podcast34: How to earn, keep, and grow your money with Joe Bautista | Money tips from a CFPJoe Bautista is a Certified Financial Planner with Bautista Planning and Analytics. He is all about self-motivation, growth, and development. He is the author of The More You Know, The More You Grow and Your Daily Cup of Joe, a book with daily micro lessons to fuel your personal development.
Joe joins us as the final CFP in our Money Tips from a CFP series. We talk about earning, keeping, and growing your money, living abroad, how he is prioritizing his spending now, and more. Joe started his career in the marines, has worked in D.C...2022-09-0729 min
Black and Brown Make Green, A Money Podcast33. How to take action to achieve your vision with Maggie Klokkenga | Money tips from a CFPMaggie Klokkenga, a Certified Financial Planner with Make a Money Mindshift has been in the finance industry for over 25 years. She is also a Certified Public Accountant, and she has experience in accounting, financial planning, and financial coaching. Maggie’s current expertise is helping women in transition and individuals and couples to understand what they truly want and make a plan to get there. Maggie shares the importance of mindset in relation to finances, what it really takes to make long-lasting changes, and some of the best resources for individuals wanting to take control of their finances.
In...2022-08-3133 min
Black and Brown Make Green, A Money Podcast32: How to budget, track spending, and support family with Raquel Tennant | Money tips from a CFPRaquel Tennant, a Certified Financial Planner with 2050 Wealth Partners joins us to share her finance story and best money tips. She is the first in our Money Tips from a CFP (Certified Financial Planner) series. Raquel discusses her Jamaican and Panamanian roots. She shares how she transitioned from spending everything she earned to saving and investing in herself. She shares her journey from restaurant worker to Certified Financial Planner and drops so many financial tips throughout this episode. Be sure to listen to the end of the episode when Raquel shares what has been the biggest impact on her...2022-08-2438 min
Black and Brown Make Green, A Money Podcast31: Reflections on our Money MindsetYour money mindset can be a driving force when making financial decisions. How you think about money, your past experiences with money, and things you learned about money growing up can all affect your approach toward managing you finances today. In the very first episode, we explored our money mindset. We shared some background on how our money mindset was shaped and how we have worked to change our mindset over time. For this final episode of season 1, we reflect on our money mindsets. We share how our mindsets have changed and one specific thing we’ve learned in th...2022-05-1825 minBlack and Brown Make Green, A Money Podcast30: Should we cash out and move to a cheaper area?The cost of living is rising in the city we live in. Housing prices are skyrocketing, and with that, property taxes are rising as well. We live in a high property tax state so this could be a big deal to our monthly budget. This has us wondering if this is a good time to cash out, sell our home, and move to a cheaper area. There are pros and cons to this idea, and we discuss them in this episode. We share our thought process, questions we are asking ourselves, and our current conclusion on if we should...2022-05-1126 min
The 3rd Decade PodcastGuest Episode: Black & Brown Make GreenNikita is joined by Co-Hosts of Black & Brown Make Green Podcast, Natasha & Damian Carrillo. In this episode, we learn more about their own finance story, talk about what generational wealth can mean, and discuss how to talk to your children about finances. 2022-05-0428 min
Black and Brown Make Green, A Money Podcast29: 4 for 40 | 4 financial lessons learned over 4 decadesDamian is turning 40, and he is taking time to reflect on lessons he’s learned in his 40 years of life. He narrows it down to 4 lessons for each decade he’s been alive. We discuss the importance of living within your means, working with your partner, investing, and betting on yourself.
In This Episode We Discuss
What are 4 of the lessons Damian has learned over his 40 years of being alive?
How do you live within your means?
How do you work together with your partner to achieve more?
Why is investing important and how do you lear...2022-05-0427 minBlack and Brown Make Green, A Money Podcast28: Rising property taxes and how to combat themDo you own a home, or do you hope to purchase a home soon? We have been homeowners (or home-loan-owners) 😆 for about 7 years. We just received our property tax values for the next year, and we were shocked by the increase. We weren't shocked that the value went up; we were shocked by how much.
Property taxes are one cost that I didn’t fully understand going into home ownership, but it is extremely important to understand how your property is taxed and what is the approximate rate your property will be taxed at. In Texas, and acros...2022-04-2727 min
Black and Brown Make Green, A Money Podcast27: Overcoming adversity to be your own boss featuring Lori Goto of Encore Real EstateApril is financial literacy month. Financial Literacy month is all about increasing your financial knowledge, and we reached out to a real estate expert, Lori Goto, to share her extensive knowledge on this episode. Lori Goto is the broker/owner of Encore Real Estate, and she has been in the real estate field for over 15 years. Lori shares strategies for first time home buyers, real estate investors, real estate agents to be, and more in this episode.
Lori Goto has been working in real estate for over 15 years. She was in the 10M dollar club with her...2022-04-2038 minBlack and Brown Make Green, A Money Podcast26: 2022 Financial literacy challengeFinancial literacy is all about being able to manage your finances effectively. April is recognized as Financial Literacy Month. It’s a time to increase your financial education and challenge yourself to improve your finances. We are challenging ourselves to take one action to improve our financial literacy this month. We hope you’ll take this challenge with us. Listen to find out how we have increased our financial knowledge in the past, how we recognized our need to improve, and what we are doing now to continue to up our financial knowledge.
In This Episode We Disc...2022-04-1326 min
Black and Brown Make Green, A Money Podcast25: Becoming financially confident with Nikita WolffHave you ever wanted a road map that shows you what you need to do with your finances? In this episode, Nikita Wolff shares her story of how she was able to have a road map to be able to confidently manage her finances. She gives much credit to 3rd Decade, a program dedicated to helping 18-35 year olds know exactly how to approach their finances.
3rd Decade provides 18-35 year olds with knowledge about how to manage finances and pairs each participant with a financial mentor, typically a Certified Financial Planner, that mentors and gives individualized...2022-03-3025 minBlack and Brown Make Green, A Money Podcast24: Building your net worth while supporting multiple generationsWe sometimes talk about generational wealth—passing your wealth on to your offspring—but in this episode we consider the case where you are taking care of multiple generations of your family.
In This Episode We Discuss
Article: First Generation Black Wealth Builders Have to Put Themselves First
How do you plan for yourself and for your parents or other family members?
Seeking out other available resources
Resources & Related Posts
How To Help Your Parents Financially — Without Going Broke Yourself
How Gen X Can Define First Generation Wealth for Themselves
First-generation Black wealth builders must e...2022-03-2321 minBlack and Brown Make Green, A Money Podcast23: How to invest in a volatile marketThe stock market has been dropping, some people are buying, and some people are selling. Should you sell, buy, do nothing at all, or something else altogether? This episode is all about investing in a volatile stock market. Listen to find out our strategies to confidently invest in the stock market even when it’s dropping.
In This Episode We Discuss
The history of the stock market, including bear markets vs. bull markets vs. corrections
The importance of understanding your risk tolerance to determine your asset allocation
Short-term investing vs long-term investing
Diversification in your portfolio
Hol...2022-03-1622 min
Black and Brown Make Green, A Money PodcastMarch 2022 Book GiveawayGet your money or your mind right with one of these 3 books, Get Good with Money by Tiffany Aliche aka The Budgetnista, The Black Girl’s Guide to Financial Freedom by Paris Woods, or Outliers by Malcolm Gladwell.
Enter to win by signing up for the email list. Visit blackandbrownmakegreen.com/signup
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Follow @blackandbrownmakegreen
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Are you already on the email li...2022-03-0902 minBlack and Brown Make Green, A Money Podcast21: Finding financial freedom with Paris WoodsParis Woods, author of The Black Girl’s Guide to Financial Freedom shares her debt free journey, her path to FIRE, and how she is helping other Black Women and Women of Color reach financial freedom. In This Episode We Discuss Paris’ Journey to Debt-Freedom Paris’ Path to FIRE (Financial Independence, Retire Early) Purpose behind Black Girl’s Guide to Financial Freedom How Paris is Helping Black Women and Women of Color Reach Financial Freedom Resources & Related Posts Paris Woods’ Website Paris Woods’ Instagram Paris Woods’ Youtube Channel For show notes and additional resources, visit blackandbrownmakegreen.com/021 Disclaimer: Any discussion on...2022-03-0225 minBlack and Brown Make Green, A Money Podcast20: The American Dream | Creating your own dream | Showing up as your authentic selfWhat is the American Dream? Are you living the American Dream? Do you want the American Dream or do you want to create your own personal dream? How do you realize your dream and go after it? These are the questions we are discussing on this episode.
We think part of defining your dream is showing up as your authentic self. But how do you show up as your authentic self? We explore all of this in this episode.
This discussion was prompted by a video created by Timothy Ward, titled Why I Gave Up...2022-02-2322 minBlack and Brown Make Green, A Money Podcast19: Launching the legacy with Tiera Williams, Miss Black New Jersey USATiera Williams, the reigning Miss Black New Jersey USA, joins us to discuss her finance story and her Launching the Legacy Campaign. Legacy is an acronym that stands for leading and engaging generations to achieve capital in their youth.
Tiera is passionate about spreading financial knowledge throughout the community with a specific focus on teens and young adults. She speaks about her journey to learning how to manage her finances, which includes her finance degree from Howard University and strong guidance from her mother.
Links
Tiera’s Go Fund Me
Tiera’s Instagram – Timeless Tiera
...2022-02-1629 minBlack and Brown Make Green, A Money Podcast18: The value of a career choice | The impact your career has on your financesThe type of career you choose can have a large impact on your finances. These choices can have lasting impacts, but career choice doesn’t have to be permanent. There are often opportunities to pivot to something better if you’re willing to take on the challenge of pivoting. This might mean you work in a field that is not highly desirable, but sometimes making some sacrifices is necessary to advance. These decisions are important to weigh when you’re young and entering into a career field, or when you’re established and seeking to transition. It’s important to know th...2022-02-0921 minBlack and Brown Make Green, A Money Podcast17: Yearly finance check-inDo you ever check in on your finances to make sure you’re on the right track? We have a list of questions we like to ask ourselves at least once a year. These questions help us to continue making progress towards our financial goals. Listen to find out the questions that you should be asking every year to keep your finances in check.
In this Episode We Discuss
How do you know you’re on the right track with your finances?
What questions should you ask yourself yearly to improve your finances?
Resources & Related Post...2022-02-0224 minBlack and Brown Make Green, A Money Podcast16: Thoughts on generational wealthThis week we discuss our thoughts on generational wealth. We talk about what generational wealth is, personal wealth vs generational wealth, and how to build it.
What do you think of when you hear 'generational wealth'? Send us a message. We would love to hear your thoughts! Sign up to stay updated here.
In this Episode We Discuss
What is generational wealth
Keys to building generational wealth
The difference between personal wealth and generational wealth
Resources & Related Posts
Get Good with Money by Tiffany Aliche
The Next Millionaire Next Door by Thomas...2022-01-2618 minBlack and Brown Make Green, A Money Podcast15: Why everyone needs an emergency fundYou think you’re doing fine until you get an unexpected $200 or maybe $2,000 expense. We recently had an unexpected $2,000 expense and was able to easily handle it because we have a fully funded emergency fund. In this episode we get into the nitty-gritty about how we set up our emergency fund, when to use it, and how to replenish it.
Book your Clarity Session (a detailed financial review and action plan)
Want to learn exactly where your money is going, how to track it, and how to reach your goals? Find out how here.
Sign up for the email list by visiting...2022-01-1923 minBlack and Brown Make Green, A Money Podcast14: Setting goalsThe end of the year is often a time of reflection. It’s a time to reflect on your wins, your losses, and it’s a time to think ahead to new goals for the new year. We noticed that in our past we were often just making hopes and dreams, not quite goals. In this episode, we dig into the difference between goals and pipe dreams. We share some past pipe dreams, some current goals, and how to set goals so that you are most likely to achieve them.
Book your Clarity Session (a detailed financial review and action...2021-11-1725 minBlack and Brown Make Green, A Money Podcast13: Raises and bonusesIt is that time of year when raises and bonuses are given out. Yearly evaluations are being conducted, and a lot times those evaluations include a discussion about a raise for the next year and sometimes a bonus for the current year. And we want to share the importance of a raise, how we are using our raise and bonus, how to position yourself to be worthy of a raise, and how to know if your raise is enough.
In this Episode We Discuss
The importance of a raise
How to position yourself for a raise
...2021-11-1021 minBlack and Brown Make Green, A Money Podcast12: Conscientious saving and spending with Garry DavisGarry Davis joins us to chat about intentional budgeting and saving, the best debt to take on, and learning how to spend. This episode is for you if you're trying to create or revise your budgeting method, if you want to hear how we talk finances with our close friends, or if you want to hear how to teach yourself to spend. Or if you like good, down-to-earth friends enjoying a drink and chatting it up, this episode is for you.
In this Episode We Discuss
How to manage your budget using a 3-category system
How t...2021-10-2731 minBlack and Brown Make Green, A Money Podcast11: Saving without depriving yourselfHave you ever felt like you are depriving yourself to reach financial goals? Have you ever wondered how to save, invest, and enjoy your life? It takes a balanced approach that can be difficult to master, but you can save without depriving yourself. In episode 11, we discuss things that we do to save without depriving ourselves. We don’t want to feel like we are saving, saving, saving, and not living life. We share our strategies and ideas of what can be done to prevent this from happening.
In this Episode We Discuss
How do we pr...2021-10-2022 minBlack and Brown Make Green, A Money Podcast10: Social media and your financesA lot of people have a love-hate relationship with social media. Yet, there are still a ton of people who are using it. According to the Pew Research Center, about 72% of Americans use social media. These users might be surprised to find that using social media can affect your finances. In this episode, we explore the positives and negatives of how social media can affect your finances.
In this Episode We Discuss
How does social media affect your finances?
What are the positive benefits of social media?
What are some negative effects of social media?
How...2021-10-1328 minBlack and Brown Make Green, A Money Podcast9: Joint financesWe have a joint bank account, and there are some people who are for that and others who are strongly against it. Either way - you still need to be able to talk to your spouse or partner about finances so that you can work together to reach your goals. This can cause a lot of tension in a relationship. In this episode, we discuss how we manage our finances and ways to start talking about finances without tension.
In this Episode We Discuss
How do you break the ice to start talking about finances as...2021-10-0627 minBlack and Brown Make Green, A Money Podcast8: I got scammedI got scammed and I want to make sure that you don’t end up in the same situation as me. This cautionary tale is to remind you that part of building your financial legacy consists of playing defense. We focus a lot on earning and growing money, but you also need to remember to protect what you have earned.
In this Episode We Discuss
How to prevent from getting scammed in this digital age
How to keep your information safe
Tips to make it easier to protect your info
Book your Clarity Session (a detailed financi...2021-09-2924 minBlack and Brown Make Green, A Money Podcast7: Should I stay or should I goThis is a special Q&A episode. A listener reached out saying her co-workers made her mad, and now she’s ready to chunk deuce. We are going to discuss her situation and give her our take on if she should stay or go. We will also share our experiences with this situation, and things to consider when deciding to stay at a job or accept an offer from a new one.
In this Episode We Discuss
How to know when to accept a job offer
What things you need to consider before accepting a new job ...2021-09-2216 minBlack and Brown Make Green, A Money Podcast6: 5 money moves to makeDo you have a firm financial foundation? Do you know how much money you earn, how much you spend, and is your money making you money? This episode gives you 5 money moves to prepare you for good times and difficult ones. Listen as we share the top 5 money moves that you should make now. Are you currently trying to build wealth? Then this episode is for you!
In this Episode We Discuss
5 money moves to make now
How to build a solid financial foundation
How to be prepared during economic highs and lows
Book your Clarity...2021-09-1530 minBlack and Brown Make Green, A Money Podcast5: How to beat inflationHave you noticed your grocery bills being a little bit higher? Or is your favorite fast food or restaurant meal a little more than you remember? You may be noticing the effects of inflation. Prices are rising across multiple sectors, which is most likely affecting your wallet. Listen in today or read the transcript to find out what is inflation, why you should care about inflation, and how you can protect against inflation.
In this Episode We Discuss
What is inflation?
How does inflation affect your money?
What is purchasing power?
What can you do to...2021-09-0822 minBlack and Brown Make Green, A Money Podcast4: 2021 Child Tax CreditWhat is the 2021 child tax credit? What should you do with it if you receive it? When should you decide to opt-out of receiving it? We get into all the details of the 2021 child tax credit. This episode is especially for you if you’re the parent of a child under 18.
In this Episode We Discuss
What is the Child Tax Credit?
What should you do with the Child Tax Credit money if you receive it?
When should you opt-out of receiving the Child Tax Credit?
Book your Clarity Session (a detailed financial review and action plan)...2021-09-0114 minBlack and Brown Make Green, A Money Podcast3: From fired to FIREHave you ever quit your job or are you thinking about quitting your job? Or maybe you didn’t have a choice and you were laid off. Sometimes getting laid off or quitting your job can feel like a setback, but it doesn’t have to be. In episode 3, we are telling our story of how we used getting laid off and quitting our jobs to propel us financially and career-wise. Our story goes from being fired to being on the path to FIRE or financial independence, retire early. Listen in or read the transcript to learn the things that...2021-08-2525 minBlack and Brown Make Green, A Money Podcast2: How to save for retirementAn article on money.com stated that people in their 50s have saved an average of $160,000 in their retirement accounts. It also went on to state that one in four has no retirement savings at all. Natasha and Damian discuss this and give some reasons as to why that may be the case. They also discuss ways that you can get started investing or ways that you might alter your investments. They talk about their retirement savings journey and how it has changed over time so that they can be prepared for an early retirement.
In this...2021-08-2540 minBlack and Brown Make Green, A Money Podcast1: Money MindsetDo you want to know how to become a millionaire? The secret to becoming a millionaire may not be your job title or status in society. Rather, the secret is your money mindset.
Mindset can be the determining factor that propels you to become a millionaire or prevents you from becoming one. In this episode, we discuss our money mindsets and how to create a money mindset that can propel you to financial success.
We also explore the issue plaguing the Black and Brown communities in America that these groups may be losing wealth instead o...2021-08-2531 min