Thank you for this episode! It's vitally important to center the voices of folks who are struggling, because everyone is struggling. At the supermarket earlier today, a woman ahead of me was holding one $20 bill. It reminded me of being little and watching my Mom at the check out, ashamed of handing over food stamps to pay, and asking the cashier to deduct items that put the total above our limit. I watched the woman put back a bag of fresh greens and two boxes of clearance sale breakfast cereal, until the total came in below the $20 in her hand. Watching her decide what food she and her family could do without made me angry. I tapped her on the arm, and asked her quietly for permission to add the food items to my purchase. She nodded. The cashier quickly and quietly added the items to my tab without missing a beat, placing them in the woman's bags. The woman left with her groceries. The addition to my bill was about $7. The cashier commented on it after and I said, "We've all been there, right?" But I could tell we both felt like crying. It's wrong that so many people are struggling, it's just plain wrong. This country is on a terrible downward spiral so that more and more people can't even survive, are doing without medicine, healthcare, housing, food! Something has got to give.
I hear you. A friend of mine has to take certain meds regularly. She didn't have enough on her one time but I put it on my credit card, so she could have it.
Join Democratic Socialists of America. She doesn't like to say it too much, but our host here is well aware that all this horrible mess is just the normal pattern of capitalist decay.
Building wealth from nothing involves consistent saving, disciplined spending, and strategic investments. Begin by creating a budget to track expenses and identify areas for savings. Prioritize paying off high-interest debt and establishing an emergency fund. As you build a foundation, start investing in low-cost options like index funds, and focus on continuous learning and improving your skills for better income opportunities.
Impressive insights! For beginners like me, managing and staying updated can be overwhelming. Are you an experienced investor or do you have a strategic approach for staying informed?
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
That's quite remarkable! I'm genuinely interested in benefiting from the guidance of such experienced advisors, especially considering the current state of my struggling portfolio. May I know the name of the advisor who has been assisting you in navigating these financial challenges?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you for the information. I conducted my own research and your advisor appears to be highly skilled and knowledgeable. I've sent her an email and arranged a phone call. Her expertise is impressive, and I'm eagerly anticipating our conversation.
Idk how she stayed so composed while talking about her husbands passing and her eventual passing too. This made me open my mind on the finances of death
Tiffany's book saved us. We were in a lot of debt and I searched Libby for finance books. The first one I read was All Your Worth by Elizabeth Warren (cowritten by her daughter whose name I unfortunately cannot remember) and her explanations for the systemic issues, why the cards are stacked against consumers, helped so much with my shame. Then I read Tiffany's book. Her optimism and shame-free teaching invigorated me. I couldn't put it down and I learned so much. There are so many yelling, slimy, religious men in finance and that stuff just isn't helpful for a lot of us, ESPECIALLY women who have been in abusive situations. We aren't exactly able to open our minds and feel vulnerable and optimistic and release ourselves from shame if the financial "expert" brings out the same emotions as the abusers we've freed ourselves from.
This woman is a quote a minute! Such intelligence, intention, and eloquence. She is a true lighthouse. Her benevolent & compassionate heart rewarded her in the end, we love to see it 😍
I really love what she said about estate planning and the luxury of being able to ONLY miss someone rather than grieve them and piece together a funeral and financial stability at an emotional time. I've finally convinced my parents to do their estate planning this year for that very reason. I know their wishes will likely come down to me more than my siblings, so I want to make sure there is no fighting or ambiguity when the time comes. Great guest.
My grandfather died unexpectedly with no plans in place - not plot, no insurance, nothing - so we spent that week panicking to assemble a proper funeral. When my grandmother (his wife) died a few years later, she'd been so determined to keep things hidden from us that we had to go through every magazine page, every book, everything to find her important documents. Even during the funeral, I was thinking about all the cleaning we had to do, instead of just focusing on the funeral itself. Estate planning is hard, but it's also a way to show your loved ones that you care.
I cannot fully express how timely and important this episode is for me. I just returned to my mom's, and only a couple months before turning 30 to boot. I burned through my savings to stay in a city I'd just moved to for a job that laid me off less than a month after my move. I just got a job at the local diner that I hope will regrow both my sense of worth and my savings, all $13 an hour at a time.
Absolutely enthralled during this entire interview. The shame she mentions is sooooo real and the second I talked to someone about it, it felt so lighter. PLEASE do this with someone in your life! Money shame wears on u like no one’s business. CANNOT THANK U ENOUGH FOR INTRODUCING US TO HER! 🥳🥳🎉
Awww I was holding back my tears with a lot of effort until she said at 47:00 about his videos. I can see you really loved him and that’s so beautiful that you had him for the time you did. So sorry for your loss and I’m so moved by you talking about this.
Love this collab 😍 Watching my father navigate my mother's untimely death at 19 years old, that they didn't prepared for....now I'm navigating stage 4 cancer diagnosis @35....health/grief/financial/legal/psychological/spiritual preparation and assistance are imperative. You don't think it'll happen to you and yours until it does....
Baring our broken hearts connects us to common humanity in a way that no amount of "success" ever will. I'm in Ontario, Canada was - born into middle class and have been well under the poverty line since I left home at 18yrs. I'm now 58 and I'm so tired. Thank you for this essential interview.
I’m an atheist and I’m believing this woman is an angel 💖 this is exactly what I’ve needed to hear for the last couple years. The shame I've felt was driven into me, as I’m intelligent enough to educate myself regarding economic trends and systems. However, It was never about the money, it was a tool for control and degradation by those I trusted in my vulnerability. Maybe some have yet to witness but the disabled community is commonly crushed by poverty. We’re told we haven’t earned/don’t deserve our way out of the terror of financial precarity. Compound that with a political landscape more libertaran by the day with efforts toward sunsetting all basic social safety nets and what’s left of the dilapidated medical system.
For the longest time i have had trouble putting into words what growing up poor and living poor in adulthood does to you. "Post traumatic broke syndrome" captures it perfectly. I can say it and folks who had a similar journey instantly understand what you mean.
26:00 I agree. The people still going through their financial journeys don't get platforms, so (some) influencers take advantage of that and belittle us. Most of us are still going through it!
This was, quite possibly, the most impactful episode I’ve watched (and I’ve been watching for years). Between identifying with “post traumatic broke syndrome” and shouldering the grief of my mother’s sudden death when I was 20 years old, followed by the recent loss of my father nearly 20 years later (I was his guardian), I very much connected to this. I’m glad to have established solid financial habits that will change my future and my family’s future. Estate planning with a trust and will is imperative! Well said ladies!! Thank you ❤
The last fifteen mins of this convo were so real and helpful. Thank you for bringing up the finances of grief. And she’s right - take as many videos as possible of the people you love!
Excellent interview! I could listen to Chelsea and Tiffany all day. So much wisdom, vulnerability, transparency, and real talk here. I appreciate you both. ❤
Amen. Thank you so much for having Tiffany speak. Tiffany, I am so very sorry for your loss. From one widow to another this was 1000% so vital. I am 51 and almost 10 years out, it gets "better". Year 2 was my and my other widow friends roughest and more "real". I say this to hopefully help as I felt at that particular time that I was going backwards and flailing. Hang in there. Thank you for all that you do and for being so transparent.
This was an awesome conversation and right out the gate, I want to say that TFD crew and staff are in my village and I wouldn’t have made it as far as I have without this UA-cam channel. You guys filled a niche for me at a time I truly needed it. You really do change lives and I want to thank you so much. I def took a break from the channel when it seemed all reality shows, skincare, and doom and gloom about the financial system, but I’m back and I’m totally TOTALLY here for the next season.
Greetings from the UK, and thank you for your new direction. I was widowed last year when I was 44, and it helps to hear about other people’s experiences of grief.
I’m 22, but after watching this it made me reflect on a death in the family a few years back and watching how my family members had to scramble due to that family member not preparing for death. That said, I’m making a life binder so that if something did happen to me my chosen family knows and when I have the money I’ll get a will or trust made… I really liked this episode and my heart goes out to her, her husband seemed like a caring soul
I don't usually comment but this was such an interesting interview. Not only do I love Tiffany Aliche, but listening to her speak about her husband really opened my eyes about my lack of estate planning. I've just been dragging my feet on it, but listening to her real life experience with it left such an impression. Thanks Tiffany! Also really ready for next season and hearing from more "down to earth" people and what their realities are like.
Amazing. Yes, community is so important. I've had several friends go budget and help me plan. It was hard to share when i was in debt, but helped to get me out of the funck of feeling trapped in a hole... I also had a bad bf who got me further into to debt, lost my job, had to file bankruptcy. 13 years later and I'm completely debt free with a 740 credit score and a ton of more wisdom & experience... most helpful thing in did was making a spreadsheet to track my progress and see how much money I was saving in interest by paying off debts faster. Also, love the talk about the post debt trauma. I was just telling my friend how I still feel broke even with the savings I now have... I've still been buying used shoes, so I think next pay check, I'm going to buy a new pair of shoes.
The nice thing about used shoes is that you don’t have to break them in 🤣 i bought a couple new pairs at one point and I was like… why are these MFs so damn stiff??? 🤣😂🤣
I so appreciate this interview. And I'm so excited for where TFC is heading... I'm a high school teacher with personal loan, student loan, an overdraft over a thousand, below average credit score, and a lot of impulsive spending that im addressing and I've loved TFD for years and have been wanting more relatable content for a while.... ❤❤❤❤
I'm really glad to hear you'll be doing more "relatable" conversations in the future. I think part of that is hearing voices that aren't from NYC or LA. As someone who lives in the midwest, I have a hard time relating to a lot of the conversations because of that.
building weawlth after decades and generaltional poverty is such a struggle. It's so hard to not only save but also invest in the correct things without shaming myself or setting fake bling goals. Really appreciate you shift in these conversations, because honestly it isn't the financial successful we should look at to build from where were at. How many of us broke people are going to be able to copy someone else's path, especially a privilege path we don't understand and will cripple us for trying to repeat.
This video should be watched by everyone, in several languages, all over the world. I just shared it with my mom and I’m trying to summarize it in Spanish for her. Thank you, thank you both. And to everyone reading this, wish you peace and success in your personal journeys.
As someone who has been following your content for almost a decade now, I'm thrilled to see you returning to your roots and speaking from a relatable point of view for low-income persons. Thank you for your videos!
I love it when my faves collab! Tiffany, thank you for sharing your story and giving us info on what we may feel as we reach new levels, what real wealth looks like, and how we can plan for our loved ones after we’re gone 💜. Chelsea and TFD team, thanks for bringing on a *legend*. I’m excited for what the next season will hold.
Looking forward to next season -- especially during an election year. It's helpful hearing from a range of people with average income and different circumstances. I'm sure it will lead to great conversations.
love this! I like the focus on "enough". Providing this to women is so huge and empowering. So happy to know how much you're helping others. Thank you!
Building wealth for necessity (such as navigating grief) and not over-consumption, is such a valuable lesson. I appreciate Tiffany's vulnerability and also her offering such gems during this talk. I've been with her since the United Way finance forums in both Harlem and NJ. I am also a Dream Builder/Dream Catcher and so grateful for her presence in this particular space.
Thank you!!! Thank you for sharing. I also lost my husband 💔😭. He died 3 years ago and some days it's hard. I'm glad my husband saved money and I was working. My daughter and I moved back in Illinois. I work for the school district part-time and I have a side hustle with my sewing skills and crocheting for customers. Please keep up the amazing work.😊 Robin N Otis -Clayborne
I'm very excited to hear your going in this direction. Resently I've felt the channel has been more "upper class" in its conversion and I've been watching less because it felt not only discouraging but very disconnected from reality as I know it. I live in Colorado and it's been horrendous for years with the population of the front range doubling in less then 50 years the people (myself included) who have grown up here are getting wrecked by affiliate new residence who are moving in with California and Texas money. It's impossible to get an apartment with rents going up because no one can buy a house that can be purchased upfront with out of state cash. While min wage is going up nickels and dimes at a time its not enough and I've been discouraged by the resent content because I feel like I'm missing something. If you can talk to people not in New York that would be cool but if you can have more "I'm struggling NOW and here's what I'm doing" and "it's ok things are broken they will get better" that would be very helpful for me personally. I've heard a lot of "back in my day comments from old folks so even a retrospective of "this has happened before and here's what happened" would be comforting. I don't know, I'm tired of being the generation that seems to careen from crisis to crisis. I know "things have always been unstable" but starting with Columbine and ending with Covid, it's enough.
Great speaker. I lost my mom 4 days before Christmas in 2023 and it was a struggle trying to help my dad plan the funeral and find the documents needed. I really appreciated her talk on estate planning. No one plans to leave here but you never know. My dad is preparing us for when he passes ( hopefully not for a long time but it’s just reality) so we won’t have to struggle either. Enjoyed so much and Tiffany’s book is awesome
Thank you SO MUCH for this episode! It was so great to hear how Tiffany overcame struggle. I'm a former elementary school teacher turned therapist and made the switch after going through cancer twice in my late twenties, as well as dealing with so many side effects now in my thirties. Cancer treatment/treatment side effect maintenance in this country is not cheap and it's so nice to hear about someone who has overcome being in large amounts of debt later in life.
Thank you so much for this episode, and I'm so excited for next season! I am 34 and recovering from decades of ED behaviors and poor mental and physical health. I'm in therapy and finally facing and healing my trauma head-on. The sheer toll negative coping behaviors and chronic metal and physical illnesses have on financial health and security is seriously not talked about enough in the financial sphere. I'd love to see an episode on that.
Very excited to see what the next season is like! I’ve been craving some relatable financial conversations as someone who grew up low income and just started a full time job with a much higher salary than anyone in my family has seen. It has put me in the fortunate position where I can save a lot of money and aggressively pay down my student loans. But my mother and 13 y/o brother have recently moved into a shelter after their landlady became hostile, calling them squatters when they were renting land from her and she wouldn’t even fix the electricity. So they were paying her rent and living in a cabin with no electricity and heat for nearly a year. I’m glad they moved into the shelter just before the polar vortex hit because they were already freezing and the shelter has been much nicer. As a result of the situation, I feel highly pressured to buy a property for them to live in (with help from my mom and in my brother’s high school district), but the Seattle area is not cheap. I want to buy a home with my mother for ~400k, and I feel fortunate I have the income to consider this decision at my age. But it also worries me that if I have a mortgage for this house for 15-30 years, I won’t be able to buy my own house/apartment in the future because my Debt to Income ratio will be too high to have two mortgages. It is hard to see myself making a large enough income to afford 2 mortgages, even though I am in a well-paying career. It is hard for me to see myself in that position, even though my coworkers are very privileged and I can probably expect to end up like them. There’s always a feeling in the back of my mind that I won’t be here for long and this income is temporary. I am also terrified of losing this job even though I have received a lot of praise and confirmation that I’ll be staffed throughout the next year. It’s been difficult to find discussions where people are struggling with a similar situation, so I am excited for the direction of the next season! Even if it’s not that similar, I hope to hear from people who can understand the struggle of supporting your family as the highest income earner, but just starting a career and only recently starting to invest for the future.
What an amazing/wise person! I love the theme of community throughout the interview. I often feel that this channel is lacking that community aspect to money
I would love to see you have Madeline Pendleton on this podcast especially since her book I survived Capitalism and All I Got Was This Lousy T-shirt just came out!!
What a great video ! Thank you Tiffany I learned a lot. I feel like TFD could change the title though as I found the way she explained the financial aspect of grief of a family member more concretely than how to get out of poverty
An INCREDIBLE episode! I really appreciated so much of Tiffany's advice, but her words on grief and death planning were particularly resonant. It was an important question to ask her, Chelsea. And I'm so glad Tiffany was as transparent and thorough in responding to that prompt as she was.
Really enjoyed this interview and really hope you continue to bring on more people of color to share their perspectives and center their narratives. It would also be great to have a video on online shopping addiction and how to overcome that since you’ve touched upon consumerism as it relates to influencers and shopping hauls.
Fantastic episode. I am really interested to see your guests who are navigating the difficulties. I am learning so many lessons. I am really interested in other peoples journeys and where they are.
this interview is fantastic! it is great that people who have had experiences like that are getting profiled and more visible. I feel like if we surveyed people, we have all made financial mistakes of varying sizes, and like tiffany said, people are just alone with their shame unable to find solutions. there is a lot to know and lots of us have had to learn via mistakes vs having access up front to good advice. good luck with your process everyone!
I'm still recovering from my resentment and grief about my husband's death, and how much my life has changed, in terms of being thrown into relative poverty.
So cool to hear you'll go in this direction. I'm currently 43 and rebuilding my entire life after abuse, drugs, homelessness and related problems!
It takes a lot of courage and effort to reimagine your life and reinvent yourself ❤ good luck to you
Amazing! Best of luck and blessings on your journey
We're rooting for you!
I wish you all the best. You got this dear. You have made decisions to make your life better and that's what matters.
You got this!
Thank you for this episode! It's vitally important to center the voices of folks who are struggling, because everyone is struggling. At the supermarket earlier today, a woman ahead of me was holding one $20 bill. It reminded me of being little and watching my Mom at the check out, ashamed of handing over food stamps to pay, and asking the cashier to deduct items that put the total above our limit. I watched the woman put back a bag of fresh greens and two boxes of clearance sale breakfast cereal, until the total came in below the $20 in her hand. Watching her decide what food she and her family could do without made me angry. I tapped her on the arm, and asked her quietly for permission to add the food items to my purchase. She nodded. The cashier quickly and quietly added the items to my tab without missing a beat, placing them in the woman's bags. The woman left with her groceries. The addition to my bill was about $7. The cashier commented on it after and I said, "We've all been there, right?" But I could tell we both felt like crying. It's wrong that so many people are struggling, it's just plain wrong. This country is on a terrible downward spiral so that more and more people can't even survive, are doing without medicine, healthcare, housing, food! Something has got to give.
Bless you 🖤 Our family isn't food insecure anymore but I'll never forget the people who helped when they didn't have to.
Thank you for this comment. I do this when I can and what's ridiculous is how much more help we are all needing to get by, your comment summed it up.
I hear you. A friend of mine has to take certain meds regularly. She didn't have enough on her one time but I put it on my credit card, so she could have it.
Join Democratic Socialists of America. She doesn't like to say it too much, but our host here is well aware that all this horrible mess is just the normal pattern of capitalist decay.
That was me.😢
Building wealth from nothing involves consistent saving, disciplined spending, and strategic investments. Begin by creating a budget to track expenses and identify areas for savings. Prioritize paying off high-interest debt and establishing an emergency fund. As you build a foundation, start investing in low-cost options like index funds, and focus on continuous learning and improving your skills for better income opportunities.
Impressive insights! For beginners like me, managing and staying updated can be overwhelming. Are you an experienced investor or do you have a strategic approach for staying informed?
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
That's quite remarkable! I'm genuinely interested in benefiting from the guidance of such experienced advisors, especially considering the current state of my struggling portfolio. May I know the name of the advisor who has been assisting you in navigating these financial challenges?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you for the information. I conducted my own research and your advisor appears to be highly skilled and knowledgeable. I've sent her an email and arranged a phone call. Her expertise is impressive, and I'm eagerly anticipating our conversation.
Idk how she stayed so composed while talking about her husbands passing and her eventual passing too. This made me open my mind on the finances of death
This is their second upload. The first one was in person and she teared up.
Tiffany's book saved us. We were in a lot of debt and I searched Libby for finance books. The first one I read was All Your Worth by Elizabeth Warren (cowritten by her daughter whose name I unfortunately cannot remember) and her explanations for the systemic issues, why the cards are stacked against consumers, helped so much with my shame. Then I read Tiffany's book. Her optimism and shame-free teaching invigorated me. I couldn't put it down and I learned so much.
There are so many yelling, slimy, religious men in finance and that stuff just isn't helpful for a lot of us, ESPECIALLY women who have been in abusive situations. We aren't exactly able to open our minds and feel vulnerable and optimistic and release ourselves from shame if the financial "expert" brings out the same emotions as the abusers we've freed ourselves from.
Thank you for this! I’m going to check these out! So need to get unstuck
This woman is a quote a minute! Such intelligence, intention, and eloquence. She is a true lighthouse. Her benevolent & compassionate heart rewarded her in the end, we love to see it 😍
It’s incredible that she’s still so concerned about not becoming a further financial burden on people who already need help. Wonderful to see
I really love what she said about estate planning and the luxury of being able to ONLY miss someone rather than grieve them and piece together a funeral and financial stability at an emotional time.
I've finally convinced my parents to do their estate planning this year for that very reason. I know their wishes will likely come down to me more than my siblings, so I want to make sure there is no fighting or ambiguity when the time comes. Great guest.
My grandfather died unexpectedly with no plans in place - not plot, no insurance, nothing - so we spent that week panicking to assemble a proper funeral. When my grandmother (his wife) died a few years later, she'd been so determined to keep things hidden from us that we had to go through every magazine page, every book, everything to find her important documents. Even during the funeral, I was thinking about all the cleaning we had to do, instead of just focusing on the funeral itself. Estate planning is hard, but it's also a way to show your loved ones that you care.
yea, that was a really interesting point i;ve never thought about before
Tiffany “The Budgetnista” and Chelsea of TFD?! A collaboration we love to see! Great interview.
I cannot fully express how timely and important this episode is for me. I just returned to my mom's, and only a couple months before turning 30 to boot. I burned through my savings to stay in a city I'd just moved to for a job that laid me off less than a month after my move. I just got a job at the local diner that I hope will regrow both my sense of worth and my savings, all $13 an hour at a time.
You got this!
Absolutely enthralled during this entire interview. The shame she mentions is sooooo real and the second I talked to someone about it, it felt so lighter. PLEASE do this with someone in your life! Money shame wears on u like no one’s business. CANNOT THANK U ENOUGH FOR INTRODUCING US TO HER! 🥳🥳🎉
Awww I was holding back my tears with a lot of effort until she said at 47:00 about his videos. I can see you really loved him and that’s so beautiful that you had him for the time you did. So sorry for your loss and I’m so moved by you talking about this.
Love this collab 😍
Watching my father navigate my mother's untimely death at 19 years old, that they didn't prepared for....now I'm navigating stage 4 cancer diagnosis @35....health/grief/financial/legal/psychological/spiritual preparation and assistance are imperative. You don't think it'll happen to you and yours until it does....
I’m sending good thoughts to you
I’m so sorry for all that you’re going through.
I’m so sorry you’re going through this. Sending love and light ❤️✨
Sending love ❤
27:13 as a mental health provider, this is real. Addressing money shame is super important. And she’s right, we cannot go it alone!
Baring our broken hearts connects us to common humanity in a way that no amount of "success" ever will. I'm in Ontario, Canada was - born into middle class and have been well under the poverty line since I left home at 18yrs. I'm now 58 and I'm so tired. Thank you for this essential interview.
I’m an atheist and I’m believing this woman is an angel 💖
this is exactly what I’ve needed to hear for the last couple years.
The shame I've felt was driven into me, as I’m intelligent enough to educate myself regarding economic trends and systems. However, It was never about the money, it was a tool for control and degradation by those I trusted in my vulnerability.
Maybe some have yet to witness but the disabled community is commonly crushed by poverty. We’re told we haven’t earned/don’t deserve our way out of the terror of financial precarity. Compound that with a political landscape more libertaran by the day with efforts toward sunsetting all basic social safety nets and what’s left of the dilapidated medical system.
This new direction of TFC is so exciting!!!!!! Thank you!
Loved this guest! Her vulnerability, resilience, and kindness really shone through ❤ definitely had me crying at several points
Listening to Tiffany talk about her late husband and step daughter (and step daughters mum) was so warming xxxxx
I had never heard about the budgenista but I love her, I’m chocking up watching this
For the longest time i have had trouble putting into words what growing up poor and living poor in adulthood does to you. "Post traumatic broke syndrome" captures it perfectly. I can say it and folks who had a similar journey instantly understand what you mean.
26:00 I agree. The people still going through their financial journeys don't get platforms, so (some) influencers take advantage of that and belittle us. Most of us are still going through it!
This was, quite possibly, the most impactful episode I’ve watched (and I’ve been watching for years). Between identifying with “post traumatic broke syndrome” and shouldering the grief of my mother’s sudden death when I was 20 years old, followed by the recent loss of my father nearly 20 years later (I was his guardian), I very much connected to this. I’m glad to have established solid financial habits that will change my future and my family’s future. Estate planning with a trust and will is imperative! Well said ladies!! Thank you ❤
The last fifteen mins of this convo were so real and helpful. Thank you for bringing up the finances of grief. And she’s right - take as many videos as possible of the people you love!
Excellent interview! I could listen to Chelsea and Tiffany all day. So much wisdom, vulnerability, transparency, and real talk here. I appreciate you both. ❤
This is officially my favorite TFD interview 🙌🏾💖 I can’t wait to see what the rest of the year holds!!!
Amen. Thank you so much for having Tiffany speak. Tiffany, I am so very sorry for your loss. From one widow to another this was 1000% so vital. I am 51 and almost 10 years out, it gets "better". Year 2 was my and my other widow friends roughest and more "real". I say this to hopefully help as I felt at that particular time that I was going backwards and flailing. Hang in there. Thank you for all that you do and for being so transparent.
Oh My GOSH 2 of my literal faves. Why am I emotional?! 🤧🥺
This was an awesome conversation and right out the gate, I want to say that TFD crew and staff are in my village and I wouldn’t have made it as far as I have without this UA-cam channel. You guys filled a niche for me at a time I truly needed it. You really do change lives and I want to thank you so much. I def took a break from the channel when it seemed all reality shows, skincare, and doom and gloom about the financial system, but I’m back and I’m totally TOTALLY here for the next season.
Greetings from the UK, and thank you for your new direction. I was widowed last year when I was 44, and it helps to hear about other people’s experiences of grief.
I’m 22, but after watching this it made me reflect on a death in the family a few years back and watching how my family members had to scramble due to that family member not preparing for death. That said, I’m making a life binder so that if something did happen to me my chosen family knows and when I have the money I’ll get a will or trust made… I really liked this episode and my heart goes out to her, her husband seemed like a caring soul
I love this guest!!! Back to the financial roots and girl brought numbers!! Thank you ❤
I don't usually comment but this was such an interesting interview. Not only do I love Tiffany Aliche, but listening to her speak about her husband really opened my eyes about my lack of estate planning. I've just been dragging my feet on it, but listening to her real life experience with it left such an impression. Thanks Tiffany!
Also really ready for next season and hearing from more "down to earth" people and what their realities are like.
I thought this was a particularly great episode, Chelsea. Would love to see Tiffany back in the future!
Quotable quote! "Shame shields solutions." Thank you The Budgetnista for your transparency!
Amazing. Yes, community is so important. I've had several friends go budget and help me plan. It was hard to share when i was in debt, but helped to get me out of the funck of feeling trapped in a hole... I also had a bad bf who got me further into to debt, lost my job, had to file bankruptcy. 13 years later and I'm completely debt free with a 740 credit score and a ton of more wisdom & experience... most helpful thing in did was making a spreadsheet to track my progress and see how much money I was saving in interest by paying off debts faster.
Also, love the talk about the post debt trauma. I was just telling my friend how I still feel broke even with the savings I now have... I've still been buying used shoes, so I think next pay check, I'm going to buy a new pair of shoes.
The nice thing about used shoes is that you don’t have to break them in 🤣 i bought a couple new pairs at one point and I was like… why are these MFs so damn stiff??? 🤣😂🤣
I so appreciate this interview. And I'm so excited for where TFC is heading... I'm a high school teacher with personal loan, student loan, an overdraft over a thousand, below average credit score, and a lot of impulsive spending that im addressing and I've loved TFD for years and have been wanting more relatable content for a while.... ❤❤❤❤
I'm really glad to hear you'll be doing more "relatable" conversations in the future. I think part of that is hearing voices that aren't from NYC or LA. As someone who lives in the midwest, I have a hard time relating to a lot of the conversations because of that.
building weawlth after decades and generaltional poverty is such a struggle. It's so hard to not only save but also invest in the correct things without shaming myself or setting fake bling goals. Really appreciate you shift in these conversations, because honestly it isn't the financial successful we should look at to build from where were at. How many of us broke people are going to be able to copy someone else's path, especially a privilege path we don't understand and will cripple us for trying to repeat.
This video should be watched by everyone, in several languages, all over the world. I just shared it with my mom and I’m trying to summarize it in Spanish for her. Thank you, thank you both. And to everyone reading this, wish you peace and success in your personal journeys.
I could listen to Tiffany talk all day. Her book is amazing and I recommend it often. Thank you for this episode!
I really enjoy her book Get Good with Money. Love this chat, two of my faves!
As someone who has been following your content for almost a decade now, I'm thrilled to see you returning to your roots and speaking from a relatable point of view for low-income persons. Thank you for your videos!
I love it when my faves collab! Tiffany, thank you for sharing your story and giving us info on what we may feel as we reach new levels, what real wealth looks like, and how we can plan for our loved ones after we’re gone 💜. Chelsea and TFD team, thanks for bringing on a *legend*. I’m excited for what the next season will hold.
Also, 🇳🇬🇳🇬🇳🇬🇳🇬🇳🇬
Looking forward to next season -- especially during an election year. It's helpful hearing from a range of people with average income and different circumstances. I'm sure it will lead to great conversations.
love this! I like the focus on "enough". Providing this to women is so huge and empowering. So happy to know how much you're helping others. Thank you!
“The lone wolf perishes in the winter.”
Building wealth for necessity (such as navigating grief) and not over-consumption, is such a valuable lesson. I appreciate Tiffany's vulnerability and also her offering such gems during this talk. I've been with her since the United Way finance forums in both Harlem and NJ. I am also a Dream Builder/Dream Catcher and so grateful for her presence in this particular space.
Thank you!!! Thank you for sharing. I also lost my husband 💔😭. He died 3 years ago and some days it's hard. I'm glad my husband saved money and I was working. My daughter and I moved back in Illinois. I work for the school district part-time and I have a side hustle with my sewing skills and crocheting for customers. Please keep up the amazing work.😊 Robin N Otis -Clayborne
This is the way the world should work: help people and the universe rewards you. Tiffany is my hero!!
I'm very excited to hear your going in this direction. Resently I've felt the channel has been more "upper class" in its conversion and I've been watching less because it felt not only discouraging but very disconnected from reality as I know it. I live in Colorado and it's been horrendous for years with the population of the front range doubling in less then 50 years the people (myself included) who have grown up here are getting wrecked by affiliate new residence who are moving in with California and Texas money. It's impossible to get an apartment with rents going up because no one can buy a house that can be purchased upfront with out of state cash. While min wage is going up nickels and dimes at a time its not enough and I've been discouraged by the resent content because I feel like I'm missing something. If you can talk to people not in New York that would be cool but if you can have more "I'm struggling NOW and here's what I'm doing" and "it's ok things are broken they will get better" that would be very helpful for me personally. I've heard a lot of "back in my day comments from old folks so even a retrospective of "this has happened before and here's what happened" would be comforting.
I don't know, I'm tired of being the generation that seems to careen from crisis to crisis. I know "things have always been unstable" but starting with Columbine and ending with Covid, it's enough.
Great speaker. I lost my mom 4 days before Christmas in 2023 and it was a struggle trying to help my dad plan the funeral and find the documents needed. I really appreciated her talk on estate planning. No one plans to leave here but you never know. My dad is preparing us for when he passes ( hopefully not for a long time but it’s just reality) so we won’t have to struggle either. Enjoyed so much and Tiffany’s book is awesome
This is the most valuable content I have ever had the pleasure to find and listen to - ever. So appreciate the both of you!
Probably my favorite episode yet. Thank you Tiffany for opening up and sharing so much with us.
Thank you SO MUCH for this episode! It was so great to hear how Tiffany overcame struggle. I'm a former elementary school teacher turned therapist and made the switch after going through cancer twice in my late twenties, as well as dealing with so many side effects now in my thirties. Cancer treatment/treatment side effect maintenance in this country is not cheap and it's so nice to hear about someone who has overcome being in large amounts of debt later in life.
Thank you so much for this episode, and I'm so excited for next season! I am 34 and recovering from decades of ED behaviors and poor mental and physical health. I'm in therapy and finally facing and healing my trauma head-on. The sheer toll negative coping behaviors and chronic metal and physical illnesses have on financial health and security is seriously not talked about enough in the financial sphere. I'd love to see an episode on that.
I LOVE TIFFANY!!! Thank you for having her ❤
Very excited to see what the next season is like! I’ve been craving some relatable financial conversations as someone who grew up low income and just started a full time job with a much higher salary than anyone in my family has seen. It has put me in the fortunate position where I can save a lot of money and aggressively pay down my student loans.
But my mother and 13 y/o brother have recently moved into a shelter after their landlady became hostile, calling them squatters when they were renting land from her and she wouldn’t even fix the electricity. So they were paying her rent and living in a cabin with no electricity and heat for nearly a year. I’m glad they moved into the shelter just before the polar vortex hit because they were already freezing and the shelter has been much nicer.
As a result of the situation, I feel highly pressured to buy a property for them to live in (with help from my mom and in my brother’s high school district), but the Seattle area is not cheap. I want to buy a home with my mother for ~400k, and I feel fortunate I have the income to consider this decision at my age.
But it also worries me that if I have a mortgage for this house for 15-30 years, I won’t be able to buy my own house/apartment in the future because my Debt to Income ratio will be too high to have two mortgages. It is hard to see myself making a large enough income to afford 2 mortgages, even though I am in a well-paying career. It is hard for me to see myself in that position, even though my coworkers are very privileged and I can probably expect to end up like them. There’s always a feeling in the back of my mind that I won’t be here for long and this income is temporary. I am also terrified of losing this job even though I have received a lot of praise and confirmation that I’ll be staffed throughout the next year.
It’s been difficult to find discussions where people are struggling with a similar situation, so I am excited for the direction of the next season! Even if it’s not that similar, I hope to hear from people who can understand the struggle of supporting your family as the highest income earner, but just starting a career and only recently starting to invest for the future.
Not my two fav personal finance girlies! Can’t wait to watch!
What an amazing/wise person! I love the theme of community throughout the interview. I often feel that this channel is lacking that community aspect to money
Oh my god, I'm not even going through much of the issues she talked about, but her message felt so life-changing to me.
She went through extreme financial hardship and made it out twice! Her methods must work.
Thank you for this video and for the direction your channel is taking: for the people, by the people. Bravo!
I would love to see you have Madeline Pendleton on this podcast especially since her book I survived Capitalism and All I Got Was This Lousy T-shirt just came out!!
This was a great conversation. I really appreciate hearing different perspectives and I can’t wait for the next season!
I love the way you are taking this channel. Everything about this episode affected me. Thank you.
Very excited for next season!
Oh snap! TWO ICONS
Loved the candor. Thanks ladies.
What a great video ! Thank you Tiffany I learned a lot.
I feel like TFD could change the title though as I found the way she explained the financial aspect of grief of a family member more concretely than how to get out of poverty
Excellent, excellent, excellent episode and incredibly intelligent and eloquent guest 👏👏👏👏👏
what an amazing woman and conversation. so happy i got to see this.
Wow I have watched every video of Tiffany on UA-cam and I'm so happy I found her as well on your channel Chelsea!!!
Hearing about the next season is such a breath of fresh air! I'm really looking forward to all the new guests!
Yes!!! The village. I love it.
An INCREDIBLE episode! I really appreciated so much of Tiffany's advice, but her words on grief and death planning were particularly resonant. It was an important question to ask her, Chelsea. And I'm so glad Tiffany was as transparent and thorough in responding to that prompt as she was.
What a beautiful guest ❤
45:21 Thank you for making the two definitions of a will and a trust clear.
What a dream of a person and guest. 😊
Great episode! Tiffany congratulations on your achievements! You are a courageous woman!
Next season sounds really good. Looking forward to it.
Thank you for this. What a great share and inspiration to those who have little hope for financial freedom and security.
Tiffany is just the best 💕
Tiffany is amazing 🙌🏻 can't wait to see more people like her in the future
My problem is I finally became unbroke, too close to my retirement, with no savings. So now any extra money I have is going to my 401k. Still "broke".
This was an amazing conversation, I watched till the very end. great great great conversation
Loved this episode and the conversation around why we really need to save.
Really enjoyed this interview and really hope you continue to bring on more people of color to share their perspectives and center their narratives. It would also be great to have a video on online shopping addiction and how to overcome that since you’ve touched upon consumerism as it relates to influencers and shopping hauls.
Amazing episode. Thank you
Fantastic episode. I am really interested to see your guests who are navigating the difficulties. I am learning so many lessons. I am really interested in other peoples journeys and where they are.
Incredible interview 👏🏾
I agree with you 100%
Thank you TFD
this interview is fantastic! it is great that people who have had experiences like that are getting profiled and more visible. I feel like if we surveyed people, we have all made financial mistakes of varying sizes, and like tiffany said, people are just alone with their shame unable to find solutions. there is a lot to know and lots of us have had to learn via mistakes vs having access up front to good advice. good luck with your process everyone!
Thanks for this amazing interview.
This was so good, what a wonderful guest!
I highly recommend Tiffany’s book, Get Good with Money!💕💵
Loved this and appreciate you both!
I'm still recovering from my resentment and grief about my husband's death, and how much my life has changed, in terms of being thrown into relative poverty.
This was so good, I have to watch it more than once
I highly recommend the book: Poverty: by America by: Matthew Desmond
So many great nuggets. Thank you Tiffany!❤