Episode Number: 209

Episode 209- Becoming Financially Whole, Doing What You Enjoy, and Making Good Money w/ Tiffany Aliche “The Budgetnista”

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Becoming Financially Whole, Doing What You Enjoy, and Making Good Money

Jamila Souffrant 0:00

You're listening to the Journey to Launch podcast, Becoming Financially Whole, Doing Good Work and Making Good Money with Tiffany Aliche "The Budgetnista"

Intro 0:13

Welcome to the Journey to Launch podcast with your host Jamila Souffrant as a money expert who walks her talk, she helps brave journeyers like you get out of debt, save, invest and build real wealth. Join her on the journey to launch to financial freedom

Jamila Souffrant 0:37

Hey, hey, hey, Jamila here. Welcome to the Journey to Launch podcast. I'm so excited for today's episode. This one is a long time coming. I am speaking to someone that I consider a powerhouse in the personal finance entrepreneurship business space. Tiffany "The Budgetnista" Aliche.

Now before we hop into this episode, I want to remind you that doors to the Money Launch Club are closing depending on when you're listening to this if you catch this in real time, doors close on April 8 2021. So if you're listening to this in time, and you want to join a community that can help you get focused, give you accountability, get the tools you need to stay consistent and motivated to financial freedom and independence. The money launch club is for you. So go to moneylaunchclub.com to join us before doors close.

Now in this interview with Tiffany I mean I call this just like a casual conversation. I literally felt like we were just two girlfriends catching up. Even though this is literally the first time I've actually spoken to Tiffany one on one. But I've known her of her I've seen her around you know you can't miss her if you are a personal finance creator in the space because she has such a massive platform. Tiffany is an award winning teacher of financial education and is quickly becoming America's favorite personal finance educator. Through her company the Budgetnista, Tiffany has created a financial movement that's helped over 1 million women worldwide collectively save over $200 million pay off over $100 million of debt purchase homes, transform lives. And she's going to talk about her journey from being a preschool teacher making $39,000 a year to running an eight figure business.

She's going to talk about what that took to get from where she started living in purpose serving in joy and how you can give and serve and make money at the same time. She's going to take us through that journey while touching upon what can make us financially whole. I'm really excited because her book is out now "Get Good with Money." She'll talk more about that too. So I really can't wait for you to hear this episode. Tiffany. Also, by the way, is the host of a podcast called Brown Ambition. So you should check that out to wherever you listen to this podcast.

The journey to launch podcast is sponsored by DCU digital Federal Credit Union. Happy Financial Literacy Month. It's April if you're listening to this when the podcast comes out. So yes, it's Financial Literacy Month. DCU is sponsoring the 2021 EVERFI financial literacy Bee, which is a nationwide initiative open to any US or Canadian student DCU member or non DCU member between the ages of 13 to 18 years of age. The Bee is made up of a four part online course and an essay contest where students will have the opportunity to win up to $10,000 in college scholarships and run through April 15 2021. So you still have time to apply. a committee of every five judges will select the winners in mid May, and she's will be judged based on creativity, the content of the message quality of writing and demonstrated understanding of the financial concepts from the course three winners will receive college scholarships, and their essays will be shared with written approval on the ever fi financial be website and their affiliates. Scholarships will be awarded in the form of a 529 College Savings scholarship. For more information on the EVERFI financial literacy Bee and sponsor of the podcast DCU please visit dcu.org/financialbee that's dcu.org/ f INANCIAL b e e .

If you want the episode Show Notes for this episode, go to journeytolaunch.com or click the description of wherever you're listening to this episode. in the show notes. You'll get the transcribed version of the conversation, the links that we mentioned and so much more. Also, whether you are in OG journey or are brand new to the podcast, I've created a free jumpstart guide to help you on your financial freedom journey. It includes the top episodes so listen to stages to go through to reach financial freedom, resources and so much more. You can go to journeytolaunch.com/jumpstart to get your guide right now. Okay, let's hop to the episode.

Okay Journeyers I'm excited I feel like this is long overdue. But it's right on time because we are talking to Tiffany Aliche "The Budgetnisa" on the podcast today. Hi, Tiffany.

Tiffany Aliche 5:08

Hey, thank you so much for having me on. I honestly, I didn't want to come on for such a long time. I'm like, when will it be my turn?

Jamila Souffrant 5:16

It's your turn, because you have an amazing book coming out. Actually, the week that this releases, it's gonna be the first week once the release date,

Tiffany Aliche 5:23

March 30.

Jamila Souffrant 5:24

Okay, so this will be this podcast is coming out right in time for people that will grab it called get good with money. But before we get into the actual book, I want to talk a bit about your journey to becoming "The Budgetnista." Now there's some people in my audience who might not know you, there are some people who do because I feel like you are a powerhouse in the personal finance space as a leader and entrepreneur. But you started as a preschool teacher.

Tiffany Aliche 5:49

Yes, I did.

Jamila Souffrant 5:51

And I love that about you. So I want to hear more about that.

Tiffany Aliche 5:53

And that's it. It's probably my favorite part of the story. Because I really love teaching. I taught preschool for over 10 years. And it was my intention that I would still be teaching preschool like right about now. The kids will be sitting down for circle time. And we'd be doing our letter shapes, colors, numbers, and we would have a letter of the day that I would have released them to go play. Like I always sometimes I will look at the time and say right about now 10 years ago, Tiffany, it will be nap time, or it'd be outside time. Yeah, I after graduating college, I had a business degree, but I hated all my internships. And I've always loved teaching and while on campus, at school, I worked at the childcare center to make extra money on work study. And I was like, wait, I love this, I want to do this. But I'm a junior. I've already taken all my classes. So I said just finish your degree and then see what you can do to teach after college. And so I did. And I taught preschool because at the time, you didn't have to have a teacher's license to teach preschool. Just a degree a college degree. And so I said, I'll go back for my teaching license, which I did. And I thought I would move on to older grades. But I fell in love with preschool. So

Jamila Souffrant 7:01

and I'm smiling because I have three young kids I just dropped out of the rush just now I had to drop them all off. And one is that preschool right now. So I'm just like, oh, like, you know, it would have been like, I just get that I get that and what I this is why I love your story. Because, okay, you started with a business degree, was honest with yourself that okay, this is not what I want, like and you know, with a business degree in technical terms you supposed to be able to make more money than as a teacher. But you said to yourself, I'm assuming and you can bring me back to that, that that didn't matter about the money. You were following your passions as a teacher?

Tiffany Aliche 7:31

Yes, because I'm someone I realized, it took me a little while to realize it really was college that I recognized that myself and everyone has to recognize for themselves. I have a very small, what I call bs cup, right? So meaning that there are a lot of people that can take a lot, like I hate this job, I could still go I hate this teacher, I could still get a I hate this class, I could still Excel. And so I noticed that myself through high school much to my parents frustration that I would randomly get all A's one year and then Cs the next year. And then and then just like what's going on, and I realized for me that when I worked joyfully, whatever was bringing me joy, I excelled. And when I didn't even know something I was good at. I did not. And so I once I recognized that in myself, I really honed that in college like Tiffany statistics is hard. Why are you getting A, because I love the teacher, she was really nice and funny. And then I'm like, But meanwhile, you're getting a D in finance, which is basic, like compared to statistics. And I'm like, that's because I teach is boring. And that teachers me, I don't like the way he talks to me. So I realized, like, okay, Tiffany, for you, you have to find an environment or something that you can latch on to that brings you extreme joy if you are going to excel. So after my internships, I hated all of them. And I said, even though the work is not hard, you know, like, and they offered me a job after I graduated, they offered me a job for $50,000. I remember one of my internships. And then or I could be this preschool teacher for 39,000. So $11,000 difference, which is huge for a 21 year old or 20.

Jamila Souffrant 9:06

Yeah, yeah.

Tiffany Aliche 9:08

But I remember thinking Tiffany, even though you're going to make $11,000 more here, you hate it, and you are going to tank and they likely will fire you because you get Cs Ds where you don't find joy, right? But teaching preschool you love. And because I learned how to manage my money at home. My father was a CFO and accountant and we would literally get money lessons at home. That Do I really need to make as much to be able to navigate, like a happy life as a teacher. So I chose teaching and I said I'm just going to really tighten up. And really that summer I read every finance book I could find. I started to like plan my finances ahead of time. I decided to stay home for a year to gather like a nest egg before I moved out. So I pre planned my life. And when I tell you I love teaching preschool like my friends who are like lawyers and worked in corporate would call me during the day and I was like, Oh girl, let me call you back. I'm next on the slide and john They try to cut the line, you know, and they'd be like, sounds like you're having fun. I'm like I am. It's nice outside, I'm on the swing. I loved it. And because I loved it, I loved it like nothing else. I finally found my place. I excelled so much I was Teacher of the Year the state would come visit, we were model classroom. I mean, I was winning every awards you can think of. And I remember my father being like, oh, because he didn't want me to go to become a teacher. He wanted me to go to law school. But once he saw high Excel, it's like, it clicked for him. My mother, like, oh, with Tiffany, you can't just put her anywhere. She has to be happy there if we want to get the best out of her. And so once I learned that about myself, and then I really thought I teach forever. What happened is a 2008 recession hit. And like so many people, I lost my job. And as a result, I thought that I was burnt out from teaching just because day in day out. The kids were awesome. The parents, oh, you know how y'all be?

Jamila Souffrant 10:55

Yeah, right.

Tiffany Aliche 10:56

But even the parents, you could get cool, cuz I'm like Jamila, God,

is your preschooler boy or girl.

Jamila Souffrant 11:02

So right now, girl, but they're not far behind each other, all three of them are like, six, four, and two. So

Tiffany Aliche 11:07

if you knew me, as a teacher, you would know how much I loved your kid, like loved your kid, you know, like, you know, I loved your girl. Don't do that. Because you might be like this, Tiffany, I feel like that, you know, she's not progressing with her letters or shapes with numbers. Are you spending time with her? And I'm like, don't do that. You know, I stay I come early. I stay late. You know, like, these kids are my kids. Like, literally, I would go to Walmart and get them things. I mean, everything was in 15 people at Walmart. I thought that I was like, how did she start having babies? Because I got clouded. Right. So like, so even the parents and I, you know, because once you know how much your teacher really cares about your kid, you're like, I can tell the teacher really loves my kid. But I will say like, the what burned me out was really the administration because they didn't care. Like I cared. You know, they would make rules where I knew it doesn't make sense for this child. Why is that the rule, you know, and so that burned me out. And I thought I was done with teaching. But thankfully, I recognize and this is for everyone listening as their journeying to launch. I recognize that I could take a skill set and put it other places. And so my skill set is teaching. Someone teased me the other day and said, Tiffany, wow, everything you touch turns to gold, because you seem like you just winning out here. And I was like, let me tell you a secret. That's not what it is. I just learned to only touch gold.

Jamila Souffrant 12:23

Oh,

Tiffany Aliche 12:24

yes. Meaning that I stay in my lane. What you see me do is I'm only ever teaching. I don't do nothing else. I teach through writing a book. I teach through my online school Live Richer Academy. I teach to my podcast Brown Ambition. I teach to my IG lives, my Facebook lives I literally all you see me doing a blog post the challenges. I only do one thing I'm a one trick pony, I'm a master teacher, I have my 10,000 hours in, in teaching 10 years in. And so I don't have to be good at a lot of things I have turned teaching on its head. I've twisted it left right side side on in. And so like, yeah, it was losing that job was the best thing ever. Because it forced me to take that skill set and use it different ways.

Jamila Souffrant 13:07

Okay, and so here's what I definitely want journeyers to pick up on here is, first of all, I admire your ability to look past the numbers and go after your passion. Because I do believe you know, I was one of those people where I didn't really know what I wanted to do. So I just went for the money which worked out. But I could have had a more joyful journey in the beginning if it was more following. And if I discovered what my passion was, I know that a lot of people listening right now are in this position where they have written shows like, you know, they went for the money, or they went for the job because it was there and they're not in their passion. But they may have something or have identified something that they're good at already. And so now it's the planning of how do I transition to that. And what I want to talk about with you is how you took your skill sets as a teacher, like you said, really what you're doing with personal finance and with your business now is teaching, even going that route, taking the lesser job in terms of the money allowed you to be who you are today was like a millionaire entrepreneur, based on the skill sets and the learning blocks that you built along the way. And I think that's a valuable lesson that yes, I think going for the money is smart, but going with the passion and also still like being smart about your money will get you much further.

Tiffany Aliche 14:17

I think what it is, is just it's still going for the money just differently. Right. So I was like I because I have to know myself. That's what's really critical. There are some people who are like, you know what, I can excel. I ain't gotta love these people. Because I love my life at home, everything is good. I take my vacations, I'm gonna make my 150 and gear for three years use it to build my business. I'm in and out to me. There's nothing there's nothing wrong with that, but I knew me. That's what I knew that I was going to work at this job get myself fired because I damn near got myself fired as an intern because I used to write poetry on the job and then forget it leave my computer on and my job was like what my internship and then I remember the CEO of the company came by my computer when I was like off to the copy machine. And when I came back, he was like nice poetry. I was like, oh, but luckily I was like 18. So they let us live, let's just say they're like Tiffany, we do not pay you to write poetry on this job. But because I knew myself, I knew I couldn't take that route and succeed. So that's what I hope the big takeaway is, is that if going for the money, so you can use that money to build whatever life you want. makes sense for you do that. If you're something like me who like I actually will not succeed in an environment where I have not found the joy, then don't push yourself to that because you're not going to succeed.

Jamila Souffrant 15:32

Do you think that you can find joy wherever you are, though, so for someone who has already picked a career, that's not necessarily what they want, but they have plans for other things, but in the meantime, they can't just jump ship, they got responsibilities, they got kids a mortgage, because I feel a lot of people feel stuck right now on a lane that they feel like they should not be in. How do you feel like they could find joy where they are regardless of the job that they're in?

Tiffany Aliche 15:56

So you certainly can't I sometimes joy is not at the job, maybe joy is maybe one of the things I found joy, nice to have a work mom at my own at my internship. And I love Sheila, right? Miss Sheila will bring me like food and counsel me. And so sometimes joy is like in what my work. bestie is here, my work husband is here. Or sometimes there's joy in learning something new, or sometimes honestly, there is no joy at the job. But I like to what I sometimes do is I will live in the future in my head, meaning that like, so I used to write at the end, when I was getting burned out from the administration, I used to drive to work. So I lived about 45 minutes outside of Newark, I now live in Newark, where that Newark Airport is big international airport. So I would go into going into work, I had to be at work, teaching preschool at 7am. But so it'd be like the sky would be purple and pink and really pretty. And the plans would be flying overhead in Newark. And I used to pretend that I was not driving into work, you know, to deal with the administration that they were coming to do like a classroom visit, I would pretend that I was driving to Newark to get on a plane to go speak somewhere to get on the plane to do whatever amazing thing. So that would be something like that would be a little bit of joy. I would still for myself, like little girl, where are we going today? Oh, we're going to California because the speaking of such a such a we're going to herebecause you're taping your show, you see what I mean?

Jamila Souffrant 17:12

And now you're doing that

Tiffany Aliche 17:14

Exactly. So right or during that time, I would use that time to read books, or to listen to you know, watch YouTube videos. So sometimes you're right, there's no joy in the actual act itself. But you could steal minutes from yourself that you're allowed to have, you know, because I encourage you to do so because even with a Budgetnista, I don't love every single aspect of of what I do. So there are days when it's brutal, because it's emails back to back. Even though I have an admin, there's still some things I have to do. Or sometimes it's meetings like, I love interviews, because this is like a form of teaching. But meetings go with the budget. Not my favorite meetings to go over what's happening I've ever, but sometimes I have days that are packed with that. But I make sure to influence use lunch, and to take lunch in my backyard, because I like to work from home, in the front yard, I have a favorite spot in the couch that looks out to the front. So you have to take joy where you can, whether it's through finding something at the job that you like a person or literally taking minutes for yourself. But knowing that this is not where you're going to stay, you should be planning for what it looks like when you're no longer here and how you're going to get there. Don't just accept where you are, you know, because I didn't I thought to myself, what are you going to do? Tiffany, you've been teaching preschool for 10 years, you don't know how to do anything else. So you're stuck here. And as soon as my daycare center closed, because they lost their funding during the recession, all of a sudden, I figured it out, you know, like, I literally would have stayed there forever, because I wanted to know how to do anything else. What other skill set do you have? I don't need any other skill set. My teaching skill set was enabled me to take in other places. So that story, you're telling yourself like, I don't know how to do anything else. I'm stuck here. If your job was to close today, what would you do?

Jamila Souffrant 18:57

And sometimes it does take an event that forces your hand, right? Like I always say for me jumping into entrepreneurship journey to launch what forced my hand or what felt like a natural progression was because I didn't want to go back to work after having my third child. So I was like, okay, so I don't know that I would have been as bold I think I would have if I was not pressured with like having three kids and just having in birth, I might have stuck around a little bit longer because I felt like oh, I need to but in your situation. You also came up to this like well, now you don't have a job. So what you're going to do so what did you do?

Tiffany Aliche 19:29

So honestly, at first nothing I panicked. There was so much going on. I just bought a condo a few years before so I'm like, how am I gonna pay this mortgage? I'm not I lost it to foreclosure. I was like I just finished my Master's in education. How am I going to pay this $52,000 student loan debt? I'm not I put it in forbearance. And then I was a victim of credit card scam that left me $35,000 in debt. How am I gonna pay off this credit card debt? I didn't know how so I rolled over all that debt to this balance transfer card so I could have at least that I You are so have zero interest payments and just pay the minimum. And I ended up moving back home. You know, I know everyone doesn't have that ability, but I was 29 going on 30. And I remember feeling so shameful that like, I couldn't take care of myself, but I'm like, What am I going to do? So I moved my stuff back home, and stay with my parents for a year. And I just stood in the darkness for almost two years to climb out on my sister's couch. Same thing. I just couldn't like I could not get past the fact that I'd fallen so far from financial grace. And because I was known as the go to like all my friends like all money, oh, budget, Oh, girl, see Tiffany? Oh, credit, Tiffany. And then here I was, and I just fallen from grace. And it wasn't until my best friend Linda who'd been calling me for months and months and months, and I've been avoiding her. Finally got me on the phone. And I was gonna lie and be like, everything's fine. But you know, your bestie knows your voice. And she's like, Girl, please. It's not fine, what's wrong? And I burst into tears and told her everything. And she was like, Girl, I'm calling you from my mother's couch as we speak. So what are you talking about? You don't have a job who says take a look around all of us lost our job. credit card debt. Welcome to the club says we've been in credit card debt in our 20s You were the only one without it. I failed to see what's your crying. That was like, wait, wait. So sometimes you get so wrapped up. I call it the Tiffany shell. Now whenever I'm in a funk, you know, that lesson taught me that whenever I'm in a funk for an extended period of time, that means I've been watching the Tiffany show for too long, it's time to turn the channel activity to activity. And then Tiffany. And so I turned the channel by typically reaching out to a friend I turned the channel a lot of times through volunteer work. So that way I can expose myself to other people are going through things to you ain't the only one.

And what I really recognized that I needed to do. And I'll share this with your journeyers and I just realized this because I now have a personal coach who is also a therapist, that what was really happening there was shame. Because shame doesn't say to Jamila you made a mistake. Shame says Jamila, you are a mistake. And it's like it's so detrimental and shame thrives in silence. Shame thrives in fear. Shame thrives in shadow, shame wants you to be by yourself. And the only antidote to shame is voice that you have to give voice to the thing you're ashamed of. Because it makes it step into the shadow and you realize is not as bad as you think. So when I told him that everything I was going through, she was like okay, and and all of a sudden Shane was like dress foiled again, like the cartoon, you know. And then the more I shared my story, it's one of the reasons why I wrote my book "Get Good with Money", because the more I shared my story, the more I was like, there's no shame attached to it, because shame also shield solutions. So then I was like, wait, Tiffany, girl, you learn how to budget six, you learn how to save that seven, you learn how to fix your credit at 12 you learn how to you know what I mean? So I realized that you have all the tools, and I started just working toward those tools when the took it took a long time for me to acknowledge that I was struggling with with shame and so hopefully hearing that you you know to find your own Linda, a safe space a place that you can share your shame so you can move past it.

Jamila Souffrant 23:12

Yeah, so when you did realize like wait a second, I'm not the only one going through this. Let me take some action here. What were your next steps in getting back to being financially whole?

Tiffany Aliche 23:22

It was really just me going back to the basics. I said let me fix my money. Okay, let's start with a cornerstone first mindset is always first then budget. Let me work on a budget. I only had unemployment at the time. I said how do I budget with this unemployment? Okay, this is what's leftover. Okay, I can babysit, I can tutor. Let me learn to earn that's one of the steps to financial wholness honus learning to earn. I was doing studies girl, I was like Why? Yes, I like crest toothpaste. That'd be 250 things. Yes. I love Harry Potter books. How much is that study? Okay, $50. I was like, whatever I could do to make extra money. And as I was fixing my finances, a friend was like, Girl, I'm really struggling. I don't know how to budget. And I was like, well, girl just come up with this weekend, I'll show you. And then she was like, Oh my god, I never did it this way. This is so good. And then another friend and another friend and another friend and then find a friend. And then one day someone who I didn't know showed up at my house. And I was like, ah, I don't know. And they were like, no, such as such said I'm like you a friend of a friend, girl the boldness but come on in. You know. And so what happened was, and especially I remember, in particular, I used to go to the library, and I had a netbook and, and I built like the first three years of business on this netbook, which is so crazy, because a netbook is like the Mac air really small and a cell phone, it's like somewhere in between. It's almost like it's smaller even than iPad. And so imagine building your whole business like literally a netbook, it's like a It looks like a baby computer like something to get to your four year old. And so that's all I could afford those $250 and I used to go to the library and like, um, work for to get their free internet. And so I was building the whole budget needs to on there because one day a friend said you should charge people for this Was it okay, maybe another little side hustle, I'll do that, because, but prior to that, I started the budget needs to be a nonprofit, because I liked volunteering. And when I was teaching, parents used to ask me to help them budget, the maintenance man, everyone used to always ask me and so I said, You know what? I used to go into schools and Boys and Girls Clubs to help teach financial education to the kids. And my younger sister gave me the nickname budgetnista. So but it was not something I thought of as a business. It was just, this is what I do for fun. And I'm making it into a nonprofit. So then when she said, You should charge for these like budgeting sessions, I said, Well, let me just off budgetnista. And then maybe I'll make it into a business. But then I realized no one had any money for the one on ones.

Jamila Souffrant 25:42

Well, I was gonna say it, Was there some conflict within yourself about charging people even back then

Tiffany Aliche 25:47

yes.

Jamila Souffrant 25:47

So how did you go because I think this is important, because as to who you are now and your business, right, it's built on helping people get better with their money. And then now we're in the business of personal finance. And there are people who are listening right now who part of them are listening, and they don't want to become personal finance influencers, or people with businesses. And some people are really like, I think I have a knack for this. And I kind of want I love the way that Tiffany has built her business. I love the way Jamila has built her business. But then you get into the stage of Okay, we're selling financial education, or budgeting or whatever that is that you, you put that label on, and then charging for it. And sometimes it feels I wait, should I do? Should this just be free, but then you're teaching your audience that they should earn. So how is it that you're not going to earn so how did you get through those emotions?

Tiffany Aliche 26:30

It was so hard because I would sit down with someone, typically, like nine times out of 10 a woman, and we would do her budget. And like we would look at it was a negative 200. And I would look at her and she looked at me. I look at her, she looks at me. And I'm like, Girl, go ahead. No, I'm gonna pay the $50 I'm like, God, where's the money? I mean, one time in particular, there was a woman, she was a single mother, three little babies running around playing I love cuz I'm like, I miss preschool. And so like, we're doing her budget and it's like negative $100. And she's boohoo cuz she's, I don't know, I'm gonna make and I was like, you're not gonna keep me out to get to heaven says keep your coins because how many babies don't eat like I felt like honestly ask her does she need money? I'm like, Do you need anything? Oh, babysit on Friday. I just couldn't. I mean, I know people will tell you, like, people love to say stuff like, especially about women. That's the same woman that I buy sneakers, though. That's the same woman. Everybody doesn't navigate like that. You know, there are people who are actually struggling and the people that I was serving. They weren't frivolously frivolously spending their money that just was not enough money at the end of the month, you know? And I said, Okay, typically, this is not going to work, because you're spending hours of time, you're not making any money. So I went and reached out to my mentor, so I encourage people to ask for help.

So I reached out to my mentor, Christine Carter. I remember she got the first million dollar grant in the city of Newark, everybody so impressed with her. She was sister and I was like, Christine, what should I do? Because people don't know money, girl, I can't, I can't take the money, but I don't have anybody. And she was like, because because he was big on contracts. I never thought about that. She Christine wants you to do something good. So the contract that she got was to build a homeless shelter. So Christine's life was always about service. I loved her. She was all about service. But she was bossing up and making all these coins. So she was like, I realized that to that the very people I wanted to serve the homeless hope they don't have the money girl. So she was like, I looked for contracts with someone who had money so I can serve the community that didn't. And I was like, oh, but now what she's a girl. I said, I gotta go, I gotta meet. And I was like, wait. So what I did was I was like, okay, who can I get contracts with? And I thought about all the places that I volunteered with before. That's the budgetnista to and I emailed them. They were about 50 places. I emailed them and said, Hey, and remember me, Tiffany. You know, I used to call myself but in Easter, I used to volunteer here. I started a business helping people with financial education. I would love to see if you if you want me to teach at your you know, your organization.

Nobody emailed me back, except for one organization, the United Way. Her name was Catherine Wilson. And Catherine what I didn't know that it was like in her first few months of being the community developer or something to that. Basically, she was supposed to look for resources for the community. So it was like the perfect person. But I didn't even know Kathryn, whoever was there before and maybe Her name was Amy or something. That's who I knew. And she's like, oh, and her email really literally read. Hey, Amy no longer works here. Sorry. I was like, great. Well, who are you? Can I meet you? And she was like, Okay, the next day I was in her Oh, Catherine. I still like really good friends. He's one of my best friends to this day. The next day, I found myself in her office. We're the same age. And we just clicked I happen to bring I'd written this book called The one week budget back then. I brought it with me, and I was all nervous and we're talking but then once I realized we clicked we became fast friends. And I did what I do best. Catherine was like um, but Budgetnista the hot girl I could use a bunch I'm gonna what's the issue because the teacher my ears perked up and sitting right there. I whipped out the Look, we mapped out her whole budget. It just came innately and she was like, That was amazing. Do you think you could do this with my staff? I was like, Girl do prepay. I can't, but no for her, and she was like, okay, she cut a check for $500, which I was like $500. And she was okay, I'll see you next week. And so, with that $500 A friend of mine had found this because I was tired of my sister's couch, a friend had found this really beautiful brownstone that was renting out by the room. Because in Newark, where I lived, is a college town. So oftentimes, you can buy very inexpensive housing, you know, they're like these college because I'm like, Look, I by the time I was like, 32, I was like, but I'll take it because it was just her. And she was my friend was my age. And she was struggling, too. So she was trying to fill it with all her friends. So no college kids live with us. And so I was like, I have my $500. That's all the lady needed. So I can move in. And I just figured I'll figure out how to make the rest. When I tell you, I talked my heart out, I went to the dollar store and got like folders. I made copies at the United Way. I just gave my all to teach the staff. I did such a good job that people who work there that they heard about it. So Katherine called me again and say, girl, it was so good that the staff that missed it are upset, can you come back? And she's like, Yes, I can prepare again. I was like, Yes. So I made $1,000 in two weeks. And then she was like, this was so great. We actually have this program because we got all this money from this bank. And the bank wants to give it to the community. But they'd like the community to have financial education first. Do you have a curriculum? I will say yes. Meanwhile, I did not. But I was a teacher. And I had my Master's in education. So I knew how to write curriculum. I just never wrote one. And she's like, Okay, how many weeks is it? I remember, I was like, six.

I was just making stuff up. Let me see that. Okay. Make me a proposal. proposal. So I did not know how to write a proposal. And so I went on Twitter. This is why I'll say this that you will hear as my story progresses, how things they were throwbacks that had a knock on this, this wouldn't happen. Had I not done this, that all your experiences matter?

Jamila Souffrant 32:07

Yeah, connected. It's all connected all your experiences. So I had tweeted

Tiffany Aliche 32:11

how I need to write a proposal. I don't know how to write a proposal. And never forget this woman named Michelle Thomas. At the time, I didn't realize that she was the communications director for the city of Newark. She had seen all the volunteer work I had been doing for years. And as the communications director for the city, she loved it because it looked good on the city. So I didn't know that at the time. But she reached out to me, she tweeted me said, Tiffany, I love what you're doing. I'm going to help you. And then later she told me, it's because I saw all the work you did for the city. I said, Well, let me pour into her because she's poured into my city. So Michelle put together all my mom's pots of ideas into a proposal form. And I submitted it to Katherine and I got the gig. And it was $500. Is it a three or $500 for each class. So I went from making no money a month to making like 1800 to $2,000 a month, you know, and I was like, Oh, my goodness. So that was my first contract. And then I convinced them to buy books, you know, so I was like, Okay, so now I'm making 2500. And I was like I could teach two of these classes, I could do a Tuesday cohort for six weeks and the Thursday cohort. So now I'm looking at $4,000 a month I was so for three years, I work with the United Way. And I really I want from one to one, which didn't really pay much to want to few you but the United Way, but through the United Way I learned to market because the first cohort, only five people came because the United Way did the marketing. And I was like they're not going to pay me to teach five people. So the next time that we did a cohort, you know, the six week course with the same people. I said, Can I post about it on my social media? At the time, there was no Instagram, there was Twitter, and there was Facebook, but there was no business on Facebook, just personal stuff, you know. And it was just a regular feed, no algorithm. So I changed my name on Facebook to Tiffany added "The Budgetnista", my middle name Alicia. And I got to marketing because my degree in business, I have a concentration in marketing,

Jamila Souffrant 34:01

all that coming back.

Tiffany Aliche 34:03

All that coming back. So I used to be like, Hey, want to take free classes. So I was using all my marketing documents. So the next cohort had 20 people the next 50, the next 100 to the point where we have to get we have to literally rent rooms for like how many people wanted to come to my classes. And so the anatomy loved it. I went from one to one to one to a few. Right? And I thought to myself, hmm, I'm making like $4,000 a month now this is great. But how do I up my you know, if I want to increase and make more, you know, because I remember my goal was to make $10,000 a month How do I do that? So I had to go to one from one to one. Once a few get away to one to many. And it came to me because I was visiting a friend of mine. And he was celebrating because his brother just became like junior class president. And I was Oh, that's great. That's awesome, you know? And he was like, Yes, I'm so excited. I get to book speakers and stuff. I said, Well, you get to book speakers. The 18 year olds get to book speakers. Yo, they wild he was like Isn't that crazy? He, he was like, yeah, the next speaker, you know, I'm thinking like our budgets about 15 $100. I said, Excuse me, 15 $100 How long did speaker speak? He's like about 45 minutes to an hour. I was like I will ever speak. You know, and he was like, I told my him finance education. And he was like, I bet that was it. Because the way colleges work is that colleges do all the work behind the scenes. They figure out the budget, they disseminate it to like all the sororities, fraternities in the clubs, and then they give you an advisor to make sure you don't go too crazy. But ultimately, it's the kids that decide. And so he was, so he had me come to speak. And I remember thinking like, wait, I can do three United Way's classes, or I can speak for one hour and make that same 1500. That's when I shifted from one to one, once a few to one to many. And I was like, okay, same Tiffany, less time, more money, more people. And I said, Okay, so then I started speaking at colleges, high schools, and organizations like Prudential banks, JetBlue, like all these different places, because you got way more money for way less time. And I said, Okay, so I didn't have to do as many I could do two speaking engagements for one month's worth of a United Way, teaching. So then I started to think, Okay, and so then, I was starting to make $10,000 a month, you know, as the budgetnista. And I thought, Well, how do I get to the next level? You know, how do I make multiple six figures? So it's one to one, then what if you then want too many, what is one to infinite to look like? So I was still doing the United Way. This is when social media start to really open up and the algorithm starts to come into play. Because before it was like, if you lived in Jersey, you saw my posts. That's it. Maybe New York, you know, but then someone hit me from Florida was like, Oh, I want to come. I was like, Girl, you live in Florida. This is in Jersey, oh, man, California, I want to come on social on Facebook. And I was like, well, this is in Jersey. Oh, man. And that's the HA, how do I serve these ladies where they are? What if I created took this curriculum that I wrote that I own, and put it online for one to infinite so I can reach an infinite number of people.

And so I created my first live richer challenge. And it was totally free. And my goal was to get 10,000 women to sign up. And my goal was to get it sponsored. So I got the 10,000 women to sign up, it took me eight months to organically get 10,000 women to register. And I remember I think I got maybe like $5,000 in sponsorships out of pity sponsor from Prudential and never being so frustrated, because quite honestly once to financial institutions realize that my audience were women and black women in particular, they didn't want they didn't want to sponsor. So like they would be excited about the number. And this guy knows because it's black women, because my media kit have black women, when they heard the number they were like, let's do it. When I sent my media kit, I would visibly see cuz I would meet with them. When they saw the face of the black women. They'd like, Oh, I don't know if this is a fit, but they met was we don't serve black women. But I'm glad they said it because they're fools because you know, now they sweat me obviously. Because if I would have partnered with one of them, maybe my live with your challenge would belong term, one of them. And the challenge is the way I built my audience. So I was like, you know, I'm gonna do it myself. I pieced together cobbled together money that I barely had. And I launched the first challenge. And by the end of the first year, we had 20,000 women signed up

Jamila Souffrant 38:17

what year was this?

Tiffany Aliche 38:18

This was I want to say 2014. I think the first challenge launched. So by 2015, I had 20,000 women signed up, and then 50, then 100,000. And to this day, we've had over 1 million women take one or more of the Live Richer Challenges. But then what I learned one of the ways I learned to monetize the challenge was as a result of my audience, the challenge, the first challenge was going to launch in a month. And they were getting so excited that women to 10,000 when they signed up, and someone said Is there a book version? And I was like, since the challenge is free? Because my thinking was I was gonna find a financial backer for the challenge. So why would you want to buy a book? It's almost like why don't because the challenges online like it was like a blog post series. And that seemed like, well, I don't want to read everything on the computer. And then a couple other people want to book and I was like, okay, so I found this young, graphic designer, Hector, who I still use today. I told him Can you take off his blog post and put it in a book? And he did he formatted it beautifully Put the cover on it. And I was like, Alright, so the challenge launch and I was like, and here's the book. And I sold $10,000 worth of books that month. I was like, wait, what it was my first $10,000 month. And then I was like, and then I learned about affiliate links and things like, I didn't realize that they were they were they were already banks and things that I liked that I put in the challenge. Like I like this bank, and I like this. And then someone was like, you know, these people, sometimes they have a link that if you send people to them, they'll pay you. So by the second challenge, I started to do that. So the challenge starts to generate this passive income. Every challenge had a book, every challenge had affiliate links for the banks and the things that I really enjoyed. So it was generating 1000s of dollars for me automatically a month from this free challenge. So it wasn't a burden. My community, but it allowed me to make income. And then I realized, well, how do I really expedite this one to infinite infinite. And so I started an online school, the Live Richer Academy, that's when we got to the point where we're making like really good money. The Academy is like 40, but was 50 bucks a month, but there's always some sales running, but about 50 bucks a month, we have over 40,000 students. So it collectively, my businesses make eight figures a year, so just over 10,000 times $10 million a year as a result. So that's what that one to infinite look like. This is all within a 10 year span, really shorter, running about seven, eight year span, one to one, once a few, one to many, one to infinite, teaching, teaching, teaching along the way,

Jamila Souffrant 40:44

journey as you just got, like a crash course in building going from, you know, zero to scaling a million dollar business. And actually, while you were talking I just wanted I had some just takeaways, just for people that I wrote down, someone else maybe heard something and you took away from the different so tag myself at journey to launch and Tiffany, what's your Instagram?

Tiffany Aliche 41:04

@The budgetnista

Jamila Souffrant 41:05

So here's what I got, you sent emails to 50 people, only one person responded. So shows how you keep going. And you might not get a response on the 1011 1213 email. But it may be it's the 50th. Maybe it's the 100. So I love that part. Ask for help. Yes, speak up. Like you have to speak up and ask for help. Because you never know who in your friend group or who a friend of a friend knows that can help you with something that you're struggling with. Share your journey you talked about on Twitter, like you were just sharing what you were doing. And because of that, when now it came time for you to meet something and say something and ask for help. That person was like, Oh, I remember you because you were sharing your journey. All your experiences are for a reason. They don't care right now, if you're listening, you're just like, well, I don't know what there's reasons for that. I'm just sitting in this cubicle, or at home doing this thing I don't want to do but it is that and if you look at it that way, and you can build upon the skill sets or the experiences, it will lead you to something else or help you in the future. I love the in person work that you had to do to get to where you are. Yeah. Because so many people want to start and say like, Oh, I just want to like go online and just do the work but you know, doing a different with the pandemic, but you have to do the work in person with first and even in person like one on one doing the work like learning your methods. What were the pain points, instead of jumping ahead and try and do one to infinity, which is what a lot of people try to do now.

Tiffany Aliche 42:24

Because I base all that, like, I pull it like the one to one people these are that's a case study. Oh, that's how you do Oh, so when I built the Academy, I knew exactly what learners needs to learn. cuz I'd work with 1000s of people in person.

Jamila Souffrant 42:36

Yeah. And so your teaching experience also helped you grow the community. And I think that is the thing. So we are talking like this part of the conversation is more like business focus. But I do think that a lot of people, regardless if you're entrepreneur or not could learn from just building the skill sets because you have to earn money some ways, whether you're an intrapreneur, and you're working for someone else and in a corporation, being able to network and speak up and share your wins in the way that Tiffany was doing on her journey is what can also help you.

Tiffany Aliche 43:03

And I will say one bullet that is probably missing is that I was only able to do all of this because I maintain a strong financial foundation. If I was overspending when think about it like I was living and I'm not saying you have to do this but I had to pull back and live frugally so I could reinvest in myself. I was like, You know what, I would love another car now right now, you know, what can you walk instead of driving? Hey, Tiffany, I'm gonna rent this room for a few years. So there were all of these, like, I was always on top of my finances. Once I had that financial trauma. And in during the Great Recession, I said, Tiffany, your finances are going to be the reason that you're going to be able to live the life of your dreams or not. So do you want to take what I call the short term L for the long term W you know, like the short term loss meaning like, okay, nobody want to really want to live in this room, but we don't do it. You know, I would love to get a nicer car, I would love to be able to afford better clothes. But if I can take this, what seems to be temporary loss, I can pour back into my business. So I can have a long term win. That's why literally like I mean, I started the budgetnista in 2008. But I didn't really do anything with it until 2010. And I didn't really start rocking and rolling until 2013. So you're seeing like to grow not just a multi million dollar business like no last year, we cleared over $10 million. I've only ever had two jobs as an adult preschool teacher and what you see me doing now. So in like seven, eight years, I built up to $10 million. So that financial foundation component cannot be overlooked. Because if you don't have that, then nothing else work.

Jamila Souffrant 44:41

And I'm glad you took it back. We're taking it back to like the personal finance and being a good steward of your money because it whatever is coming in wherever it's coming from, you have to be able to manage that and have that as a foundation. Right and so I do want to talk a little bit about your book "Get Good with Money" which you know, literally is like a manual have everything that you need to do to get good with money. And I love that I love that like, literally you can go to anything about insurance credit, like building your credit, like it literally has everything in it. And so I want to talk about a little bit like the foundations like this, this concept of financially whole. What does that mean to you? And what are if you want to share, like, if you could just top baseline things that you'd want someone to do from listening to this episode and then find the book.

Tiffany Aliche 45:27

So finally, to be financially whole is when the 10 aspects 10 core aspects of your financial life are working together to create the strongest financial foundation possible. And I came up with the concept of financial wholeness as I was working through my journey as an entrepreneur because I thought to myself, the Rockest time is when I was furthest from financial wholeness. And when I was like, even now, like there were times, you know, because pandemic was hard for a lot of people, including myself, there were times when I was just like, Are we going to be all right? Yes, because I had achieved financial wholeness. And so those 10 steps are budgeting, savings, credit, debt, learn to earn first five, and that's the that's the like the core core foundation. Then next, investing, insurance, net worth, your money team, your financial professionals, and estate planning. That's the next layer. When these 10 things combined. They really create an atmosphere that any financial house could be built on, you want to start a business great, you're financially whole, you want to make more at work, or take a risk or to make a little less at work to learn something new. Great. You can do that because you're financially whole. And you'll Jamila I think to myself, like moving back like I'm like, I still am preschool teacher, Tiffany, because what do preschool teachers do, but teach the foundation for the rest of your educational life. I am going back to like, you know, I'm not even going back I don't know that I've ever moved away from I am your first teacher letter shapes, colors, numbers, some reading a little bit of writing. Because if I can get my three and four girls because most of the babies I taught were black and brown babies. And I always thought to myself, I don't know what's going to happen after this or your teachers gonna love you like I love you, I want to give you everything you need, that no matter what you have the foundation to succeed in life. Because once you can read and write. And so even though most four year olds, you know, that's not the expectation, I was really trying to get my four year old to to to that space because I wanted to know that no one could take that away from you, that foundation that you can build the rest of your life on. So it's the same with finance when it comes to me that I want you to trade options and, and do and short and I want you to I want you to you know buy real estate for investing purposes I want you to do all those things. But for me, I want you to learn that foundational financial information that you need to be able to build that life on I want that when you experience financial trauma and drama that you land safely here at your foundation extra core and that's what get good with money 10 simple steps to becoming financially whole we'll do it walks you through every step. I even give you homework as a teacher step by step by step how to do every everything I just mentioned it's really what I call my love letter to the women that will be reading it because I poured my heart and soul and and love into this book just like I said to me that I would love your daughter you'd be like I just love this Tiffany why cuz a little kids

, but that it's still me were like, I put so much love and, and empathy and kindness, but also knowledge into all that I do. Because I want you to walk away and not needing anything, I want you to walk away this confident, capable woman who is able to take on the rest of her financial life. And that's what get good with money is going to do I feel really used I'm pretty hard on myself, I think like many, many overachievers and entrepreneurs. And I usually I'm like, man, I just decided to do you could do better. But I feel for the first time in a long time. Like fully proud of what I've been able to produce. I even read it, which was brutal, like doing the audio version. Like it's a lot. It's like four days of like eight hours of reading. But I did the audio version too. I just can't wait for you know this baby to be well, it's out in the world now. And um, yeah,Get Good with Money. I think it's gonna change a lot of lives.

Jamila Souffrant 49:18

Yeah, I can't wait for people to get their copies. And now I just want to talk quickly about your own personal financial journey. So you talked about, you know, growing up and having the financial foundation, then like many people who were impacted by this pandemic and life that they can't control you had the recession happened to you and you're kind of like the rug was pulled up from under your feet but then you have to rebuild. Now it seems that you're in a position you know, you have a business that is generating a lot of money, right? And I always say you know, income is one thing but like net worth is like another like your actual like assets. Where are you now in terms of your financial goals?

Tiffany Aliche 49:54

wealthy,

Jamila Souffrant 49:55

wealthy guys? Yes.

Tiffany Aliche 49:57

Oh, my God. It's so little Yesterday, my husband the other day, because like, we're just regular people, especially my husband, he grew up into projects like he just. And so sometimes he'll be fussing over something and like not fussing, but being like, oh, babe, let's not go to Whole Foods, we can get those bananas 50 cents cheaper. At shoprite I'm like, you know, we were millionaires, right? Many times over. Like we're not. It's not like, oh, and when I say million, and I'm talking about in cash, like not cash, but because sometimes you listen, you know, like, yes. Do our collective assets, like the homes because we have this home. And then we have, we have another real property that we purchase and, and our assets, yes, but we also in, like, if I wanted to pull money out of like, stocks, bonds, savings, like so like millionaires in the hard asset, but also in the liquid asset sense. And so I always tease him when he's like, you know, like, let's just go down the street and get the bananas for 50 cents, which is good, you know, but like, I never thought at that time, also, I never thought I'd get here. It feels strange to be here, because I could still see the Tiffany, from eight years ago.

Jamila Souffrant 51:01

And that's the thing, right? Because I like many people, when I say okay, when I have that, like those millions, this is what I'm going to do differently. Like I said, I joked around the other day, because I don't know if you saw a little yachi when he talked about, like always having I always having to work. So for people who are not aware, he just made a comment that if he has like, literally baseline expenses, $53,000 a month, and he has to keep working. If he doesn't keep working, even if he had million 12 million or something in the bank, it will run out and I was like, Well, you know, technically, if you're doing like the math, not not really, if you're investing it. And so I made a post about it. And I was like, Well, if I had that money, like I might do a podcast once a year, I don't know, I'll see how I feel right? You are actually in a place where you have the financial security and independence. And you're still working as hard as you work and doing what you do. So what you're doing now, did you think that you'd be different or have a different life when you got to this point?

Tiffany Aliche 51:52

I think everybody thought that because i thought you know, first of all thought every million had like a yacht and like a mansion and all this other stuff. And, and I don't necessarily see myself ever with a yacht and I I thought one day that I was asked my husband to do so we get a bigger house. But honestly, the truth is, it's me him. And I have a stepdaughter that's with us half the time. And like we have a beautiful house. Now it's five bedrooms, three, three full baths finished basement. And this feels like almost just too big, because five bedrooms, there's two of us, you know, and then at part time, one other person, you know, and so I don't know that I would get a house much bigger than this. And we fully like we bought this house this houses, we bought it cash, it was a foreclosure for 180. we renovated a cash. So we don't have any mortgages. Even on the other property. It was a tax deed from the city, we bought it a tax deed is when the city we possess is a property that hasn't been paid taxes haven't been paid on. So we bought it for $10,000 because it was rundown. And we've renovated the house and we're renting it out. And so that house also has no mortgage. So we own two houses, no mortgage, I have a car, he has a car car, no car note, I'm debt free, like a five year old. So I hear a little Yachty. But he's made a mistake, that he's inflated his life to a point where now he's a slave to what he has to do.

Jamila Souffrant 53:07

Like, right?

Tiffany Aliche 53:08

Like, if I told you how much our life costs us a month, it's not far off than like what it costs when I was a preschool teacher, because we don't have any major bills, we don't have a mortgage, we don't have a car. No, our car insurance, it's pretty low. And as a result of, you know, US owning our cars, I, you know, like our overhead for life is pretty low. So we don't need to make as much it's to the point where what I bring home, sometimes I have a certified financial planner to help us like really with wealth building. When I bring home sometimes she'll ask like, wait, so I'm looking at your tax return. It says you made this, and I'm looking at what we put up essentially put up that because like, we're like we're spending and it doesn't mean like I mean, we buy things but we just I make way more way more than enough than what's necessary and needed. And what's I'm not working hard for the money. Now I work hard for the legacy. You know, so I remember I was just remembering that. So I'm one of five girls and my father who wanted a son so bad but you know didn't have that there girl number five as you know, my mom was like brah you're lucky you got your dad like

yes, it's a wrap.

Right and so but I always thought that bad because it's my like my father's last name is elite che and I always thought Wow, he's not going to have a son to pass that Aliche a name down to that's very big for for African men. My father is Nigerian, as am I. And I remember thinking you know what, although I won't be able to pass my name down to my children. What I can do is I can make his name immortal, that if I can get my name on a book that Aliche a will live on forever and ever. And it just hit me I was like looking down in my book, kick it with money and I'm like, Wow, did it here it is that like you know, like I've self published like smaller books and things before but this is my first big book. So even when my dad is no longer here and I'm no longer here This is like the sun that he didn't get to have like this name gets to live on and on and on. And so that's why I work so hard because I enjoy doing the budget needs to I love, love love writing, I love teaching. I mean randomly, you'll see me on a live giving everything away like and then and this how to do this and people are like, you're not gonna say that for this. I'm like, I don't believe in saving stuff for for that I believe that you're put here for a reason do that thing, regardless of what the outcome is you can only I can only control the input. You know, I can't control the output. It's called the law of detachment, that my job is to put in not to worry about what comes out,

Jamila Souffrant 55:40

joyfully put in to joyfully put in like you have joy. Yes,

Tiffany Aliche 55:44

George. Mm hmm. And so people used to tell me, you're foolish. The challenge is free, you're bugging, you're giving all this stuff away for free. You're bugging delivered your cabins only 4050 bucks a month for all this stuff, your bugging. And yet my buggin has led us to eight figures a year. Yeah. Somehow, if you see what I mean, you know, and, and I think I read somewhere less than 2% of women were owned and led businesses ever make ever set over seven figures a year. And we're at eight. And I know that we're going to reach nine, all while giving that service Tiffany is still here. Service empathy, kindness, not just to the women that we serve, but to internally to my team. Like I call my team of mostly women and mostly women sisters, dream catchers, that dream cast, I call y'all dream catchers, my own my audience, but I call my women internally, unicorn unicorns because I tell them to make magic happen every day. I believe you can live a life where everyone wins, where you can do good work, you can help good people and you can make good money it is it is possible to do all of those things. So in all that I do, I do so with the pride of my ancestors to give my best. And that's why I'm excited about "Get Good with Money" because I poured all of that in here, you're gonna be like, Girl, this could have been two books, you played yourself now I want you to have everything you need to succeed. I cannot learn a thing and not teach a thing. I'm not capable of keeping good things to myself. If I have something it's yours as well. I don't know if that's Jamila. I don't know if that's part of me because I'm like one of five girls. And you know, your sit everything was like me, my sisters, me my sisters and I've extended my my sisters to the million plus women that I get to serve. So

Jamila Souffrant 57:27

oh my gosh, this is I think you are just a walking testimony of giving and living and giving abundantly and why which is why you receive abundantly I just hope that people are touched by this and also pick up your book. One of things I wanted to mention is when you get the book what I'm also proud of is that you're on the cover of the book as a black woman that's a big deal.

Tiffany Aliche 57:48

I always was it I almost wasn't and it wasn't because the publisher is because of me. Jamila like they asked me to be on the cover and my instinct was I don't know because then when people come by it and not that my audience is necessarily white women but I thought I wanted the book to be universal universally accepted. And so they It was like okay you'll be on the cover I was like I don't know that I want to be on the cover so they were like what so they put They showed me all these other covers with like graphs and charts and they're like no Tiffany we refuse they admit they did a mock up of one of my like they took a picture of it on Instagram and did a mock up they said no you belong on this cover women need to see you on this cover you are universal you know why is a black woman not University

Jamila Souffrant 58:30

Exactly.

Tiffany Aliche 58:31

You know and I was so I'm so happy that my you know with my partnership with Penguin Random House and in my agent Heather, Heather Jackson neither of which none of them are are women of color but they saw me and they were like your women and other women need to see you and so yeah and so this cover is literally black excellence because the photographer I insisted I said what you're not gonna like if I won't be able to cover now I got to control it because you're not gonna have me look ashy.

Jamila Souffrant 58:58

Crazy, right?

Tiffany Aliche 59:00

Yes, so to narrow down she has to take all of my headshots sister took my headshot Leila Nima i said i sister has to do my makeup so she always does my makeup she killed it. My sister style me This is Rent the Runway I was like since I need outfit so she pulled from Rent the Runway cuz I'm such a tomboy so I usually don't wear like dress up clothes will pull from Rent the Runway that I asked my baby sister Lisa The one who gave me the nickname budgetnista to come to like for the vibe because she is you know these young girls like you know they they're on so she is a Instagram model.

Jamila Souffrant 59:29

I have one of those I have my little sister She is just like that I'm like I'm just listening to you because you I'm just old at this point. So like

Tiffany Aliche 59:36

oh she's behind me like do this no look like this make your hands play an afro beats in the background. So this is it was just like, like literally the sisters hands that touch to make this possible and just the universal sisters that that helped to make this possible. Yeah, it's just what I tell you. I'm excited. You know how and some of you will know what i mean that sometimes you you can feel that there's a pivot or shift or like you are the literally going from one place to the next place. This book is the door knob. I can feel it it is going to open up doors for not only me, but for the folks who read it. Can I share it? People can get it from their member like Word.

Jamila Souffrant 1:00:11

But yes, of course, yes. Let everyone know where they could get the book and more and find out more about you and follow you.

Tiffany Aliche 1:00:15

You get the book literally at the title getgoodwithmoney.com and I am the budgetnista stuff on Instagram, Twitter, YouTube, Facebook, all the things so you can i Instagram is probably my favorite. Like Yeah, so you get your copy of get good with money and take a picture. tag me, I'm definitely gonna do a book club at some point. So we can work through it together. I think that'd be really fun to Jamila thank you so much for having me on.

Jamila Souffrant 1:00:42

Oh my gosh, thank you for being here. And I will link all that in the episode show notes too, so you can get that. Thanks again, Tiffany.

Tiffany Aliche 1:00:48

Thank you.

Jamila Souffrant 1:00:53

Okay, journeyers I really hope you enjoy that conversation with Tiffany the budget Nisa, I got so many gems, listening to her story. I recap some of them in episode. But what really stood out to me was the fact that Tiffany serves from a place of joy from giving, you know, she gives abundantly you can tell in the interview, she gives abundantly, the information she teaches her people, right she teaches because she wants other people to gain knowledge and to get to a better place. And because she just gives in that way, it comes back in the way that people want to support her buy from her. And it's just a process that I feel like we all can learn from not just what we can do for ourselves, but what we can do for others to make this world a better place. So I'm really excited that Tiffany's book is now out again, you can go get it. Get good with money wherever you find books. Also, check out Tiffany's podcast called brown ambition. And follow Tiffany on social media at the budget Nisa and follow me at journey to launch on Instagram. If you listen to this episode. You enjoyed it. You loved it, take screenshots of you listening and tag me and Tiffany at the budgetnista at journey to launch and share it with us so we can see what you learn from it. And let us know what you thought of what your biggest takeaways were.

Don't forge, doors to the money launch club, my membership community for juniors who want more who loved the podcast who love the content who want to be financially free, but just need more accountability tools and support doors are not open but not for long. They will be closing on Thursday, April 8, end of day so I want you to come join us go to money launch club.com for more information.

Jamila Souffrant 1:02:35

Don't forget you can get the episode Show Notes for this episode by going to journey to launch.com or click the description of wherever you're listening to this and you can still grab your jumpstart guide for free to help you on your journey to financial freedom by going to journeytolaunch.com/jumpstart.

Jamila Souffrant 1:02:53

If you want to support me and the podcast and love the free content and information that you get here, here are four ways that you can support me in the show. One, make sure you're subscribed to the podcast wherever you listen, whether that's Apple podcasts, that purple app on your phone, your Android device, YouTube, Spotify, wherever it is that you happen to listen, just subscribe so you are not missing an episode. And if you're happening to listen to this and Apple podcasts, rate review and subscribe there I appreciate and read every single review. Number two follow me on my social media accounts. I'm at journey to launch on Facebook, Instagram and Twitter. And I love love love interacting with journeyers there. Three support and check out the sponsors of this show. If you hear something that interests you, sponsors are the main ways we keep the podcast lights on here. So show them some love for supporting your girl for And last but not least, share this episode this podcast with a friend or family member or co worker so that we can spread the message of journey to launch. Alright, that's it. Until next week, keep on journeying journeyers

(This post may include some affiliate links)

This week on the podcast, I have award-winning financial educator, host of the Brown Ambition podcast, and author of Get Good with Money Tiffany “the Budgetnista” Aliche. Tiffany shares her journey from being a preschool teacher making $39k a year to running a successful 8 figure business. 

Tiffany embarked on a career in teaching after graduating college because she genuinely loved it. She was crystal clear on who she was and what she needed to do to excel: do what she enjoyed. After losing her job, direction in life, and experiencing financial trauma, she realized that she could take her skills as a teacher and launch into a brand new career, financial education.

Tiffany shows us how it’s  possible when you serve from a place of joy & abundance while earning money. 

In this episode you’ll learn:

  • How Tiffany went from making 39k a year to over 8 figures 
  • What living in purpose and serving with joy looks like
  • 5+ lessons from Tiffany’s journey to entrepreneurship
  • What does it mean to be financially whole
  • What are the 10 core steps to being financially whole and much more…

Episode 209- Becoming Financially Whole, Doing What You Enjoy, and Making Good Money w/ Tiffany Aliche “The Budgetnista” Click To Tweet

Doors to the Money Launch Club are now open!

 The Money Launch Club is my online membership community that gives you the support, tools, education & plan to reach your various money goals while on the way to your ultimate goal of Financial Independence.

When you become a member of the Money Launch Club, you;

  • become part of a close knit community where you feel like you belong, and can really get to know others in the group
  • interact regularly with like-minded people who are serious about financial independence
  • learn from others to implement the lessons and ideas into your own daily life
  • go from always feeling guilty about spending to feeling bliss, happiness, and joy about the things that bring you joy

Join before doors close on April 8th by clicking here.

Sign up for the Pop Up Podcast Series, Building Blocks of Financial Success: Get Out of Debt, Save, Invest, and Achieve your Money Dreams”

In this series you will learn: 

  • Who are you and what is your “WHY”? Why do you want financial independence?
  • The Simple and Advanced Wealth Formulas
  • How to improve your mindset and habits to bring you more wealth
  • How community and accountability will make your journey more enjoyable
  • What is the Money Launch Club and how it can help you reach financial freedom

Hurry! The series goes away forever after April 8th!


Other related blog posts/links mentioned in this episode:

  • Get The Budgenista’s book; Get Good With Money by clicking here!
  • Doors to the Money Launch Club are now open! Join before they close on April 8th 2021!. 
  • If you missed enrollment, join the waitlist for my FI course.
  • Join The Weekly Newsletter List
  • Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!
  • Watch me on News12  Watch my latest segments on News12
  • YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link.

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