Money Talk With Tiff

Hosted by Tiffany Grant

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300

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Nov 2026

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About the show

Managing money shouldn’t feel like an endless cycle of guilt, confusing jargon, or hustle fatigue. Hosted by accredited financial counselor Tiffany Grant (MBA, AFC®), Money Talk With Tiff delivers honest, down-to-earth conversations and practical strategies to help you move from financial scarcity to intentional stewardship. Whether navigating everyday cash flow, digging out of debt, investing for the future, or scaling a business, Tiffany breaks down complex financial topics into clear, actionable steps. Alongside solo breakdowns (“Tiffany’s Take”), you’ll hear unfiltered interviews with top financial experts, entrepreneurs, and everyday people sharing the real decisions behind building sustainable wealth. Straight talk. Real numbers. No shame. Explore guided resources, tools, and past episodes at moneytalkwitht.com.

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60 recent

November 5, 202612 min

Tax Loss Harvesting: Turn Investment Losses Into Tax Savings

Staring at red numbers in your brokerage account stings your ego, but holding onto losing investments just to avoid admitting a mistake is bad stewardship. In this episode of Tiffany's Take, Tiffany Grant breaks down how to use tax loss harvesting in your taxable brokerage accounts to offset capital gains, reduce ordinary income, and legally cut your tax bill before year end. How the math works : How dollar-for-dollar offsets reduce your taxable capital gains, how to write off up to $3,000 of excess losses against ordinary income, and how the carryforward rule preserves leftover deductions indefinitely. The taxable account rule : Why tax loss harvesting only works in individual or joint brokerage accounts and cannot be used inside tax-advantaged accounts like IRAs or 401(k)s. Navigating the 61-day wash sale rule : Why buying the same or substantially identical asset within 30 days before or after a sale disqualifies your tax deduction, and how to safely reinvest in sector ETFs or cash sweeps instead. Why December procrastination backfires : How broker settlement rules, cutoff times, and holiday closures can push late December trades into the next tax year, and why late November is the sweet spot to act. Timestamps: 00:00 Introduction to Tiffany's Take and portfolio losses 01:30 What is tax loss harvesting? 02:35 Offsetting capital gains dollar-for-dollar 03:30 The $3,000 ordinary income deduction and carryforward rule 04:20 Why this only applies to taxable brokerage accounts 05:15 The IRS wash sale rule and the 61-day window 07:05 How to stay invested without triggering wash sales 08:00 The December settlement trap: Why timing matters 09:40 When to consult a CPA or CFP 11:00 Ditching ego for stewardship and booking an intensive RESOURCES & NEXT STEPS 🌿 Download Tiffany’s Free Financial Resource Vault (15 Tools): https://moneytalkwitht.com/moves 📬 Join The Deep Dive Newsletter (Delivered Every Thursday): https://moneytalkwitht.com/link-in-bio 📖 Read Money Moves & Mindset Shifts (Published by Wiley): https://moneytalkwitht.com/moves 💼 Book a 1-on-1 Financial Strategy Intensive with Tiffany (AFC®): https://calendly.com/moneytalkwitht/financial-counseling-session CONNECT WITH TIFFANY Website: https://moneytalkwitht.com Facebook Community: https://www.facebook.com/groups/letstalkmoneygroup Instagram / Threads: @moneytalkwitht LinkedIn: https://www.linkedin.com/in/tiffanygrant1

October 29, 20266 min

Money Blind Spots: How High Earners Stop Cash Leaks

Why do smart, high-earning professionals and business owners still struggle with cash flow? In this episode of Tiffany’s Take, Accredited Financial Counselor (AFC®) Tiffany Grant exposes the hidden money blind spots that derail educated earners—not because of bad math, but because of fatigue, convenience, and autopilot spending. Learn how to recognize the "convenience tax," stop borrowing relief from your future self, and execute a simple 15-minute transaction audit to plug your cash leaks without shame. IN THIS EPISODE, YOU’LL DISCOVER • The Convenience Tax: How outsourcing fatigue turns into an expensive unconscious default. • Future Windfall Trap: Why relying on bonuses, tax refunds, or upcoming invoices keeps you trapped in catch-up mode. • The 15-Minute Pattern Audit: How to spot stress spending, ghost overhead, and pacing leaks across your last 30 days. • Look for Patterns, Not Pennies: Why removing emotional shame from your financial data restores clarity. TIMESTAMPS [00:00] Introduction to Money Talk With Tiff [00:28] The myth of high incomes and math: Why intelligence doesn't prevent money leaks [01:14] Blind Spot #1: The Convenience Tax and paying for fatigue [02:30] Blind Spot #2: Borrowing relief from future income (bonuses, refunds, invoices) [03:45] The 15-Minute Pattern Audit: Spotting stress spending and ghost overhead [04:55] Overcoming blind spots: Getting objective eyes on your numbers [05:25] How to book a 1-on-1 Year-End Financial Strategy Intensive RESOURCES & NEXT STEPS 🌿 Download Tiffany’s Free Financial Resource Vault (15 Tools): https://moneytalkwitht.com/moves 📬 Join The Deep Dive Newsletter (Delivered Every Thursday): https://moneytalkwitht.com/link-in-bio 📖 Read Money Moves & Mindset Shifts (Published by Wiley): https://moneytalkwitht.com/moves 💼 Book a 1-on-1 Financial Strategy Intensive with Tiffany (AFC®): https://calendly.com/moneytalkwitht/financial-counseling-session CONNECT WITH TIFFANY Website: https://moneytalkwitht.com Facebook Community: https://www.facebook.com/groups/letstalkmoneygroup Instagram / Threads: @moneytalkwitht LinkedIn: https://www.linkedin.com/in/tiffanygrant1

October 22, 20269 min

Stop Waiting for January: The Year-End Cash Flow Triage

Waiting until January to fix your money is a setup. When you tell yourself you will just swipe through the holidays and figure it out in the new year, you do not get a fresh start. You spend the entire first quarter digging out of a financial hangover. In this episode of Tiffany's Take, we run a three-step cash flow triage to stop the bleeding right now so you can walk into next year on solid ground: 1. Set boundaries before November hits List your non-negotiable expenses between now and December 31st, from travel and meals to teacher gifts. Set a hard dollar cap. If the money is not in your account today, do not borrow from your future to impress people this season. 2. Protect your cortisol buffer Forget the six-month emergency fund rule for a minute. Do you have $1,000 to $1,500 tucked away in a completely separate account? When checking hovers near zero, your brain enters fight-or-flight mode and your decision-making drops. Give your nervous system room to breathe. 3. Name the one leak that drains your peace Look back over the last 10 months with zero judgment. Pick the single debt, recurring subscription, or cash flow habit that causes the most anxiety. When you name it plainly, it stops being a monster and becomes a logistical problem you can solve. RESOURCES & NEXT STEPS 🌿 Get Tiffany’s Free Financial Resource Vault (15 Tools) 📬 Join The Deep Dive Newsletter (Thursdays) 📖 Read Money Moves & Mindset Shifts (Wiley) 💼 Work 1-on-1 with Tiffany (AFC® Counseling) #personalfinance #cashflow #holidaybudget #emergencyfund #moneymindset #tiffanystake #moneytalkwithtiff #financialcoaching #stewardship #debtfreecommunity #financialpeace

October 8, 20269 min

More Money Won't Fix a Broken Pipeline

"If I could just make an extra $1,000 a month, all my money stress would evaporate." I hear this every week in counseling. But the hard truth is that money is an amplifier, not a mechanic. If your system has leaks, pumping more cash in just makes a bigger, more expensive mess. When extra money hits, most people fall into the relief-to-scarcity cycle: you sacrifice, cash lands, your nervous system exhales, and subtle convenience spending quietly dissolves the cushion. That is not a discipline failure. It is a design failure. In this episode, we break down 3 structural shifts to fix your cash flow before asking for more water: 1. Visibility: Calculate your exact survival floor so every dollar in checking doesn't look like spending money. 2. Separation: Stop mixing bills and lifestyle in one account to prevent optical illusions. 3. Pacing: Sync your budget to your actual pay cycle instead of rigid monthly templates. Pick one leak to fix this week. Grab your copy of Money Moves and Mindset Shifts and unlock the Resource Vault tools: 🎯 moneytalkwitht.com/moves #personalfinance #moneymindset #budgeting #cashflow #tiffanystake #moneytalkwithtiff #stewardship #financialpeace #wealthbuilding #financialcoaching

October 1, 202618 min

My Book Launched and I Still Haven't Touched It

My book came out Tuesday and I have not even held a physical copy yet. People picture book launches with champagne toasts in hotel ballrooms. Mine happened while managing my kids, answering a hundred messages, working my normal day, and tracking a shipment currently sitting in Jamaican customs. I literally had someone locally ask me for a copy and had to tell them I didn't have one. They said, "I thought it was your book." It is. But I talk about the ROI of peace and protecting your cortisol in the book, so I refused to burn down my own mental health trying to make a launch look effortless. Even with the delays, the launch has blown me away. Money Moves and Mindset Shifts already broke into the Amazon top 100 across three categories: Number 32 in Income Inequality Number 87 in Economics Number 96 in Wealth Management Seeing a 384-page Wiley hardcover out in the world with my name on it hit me hard. I started as a teen mom studying heavy Wiley business textbooks late at night just trying to survive undergrad and grad school. Now I wrote one. In this episode, I share the real story behind launch week and why I wrote this book in the first place. Most personal finance advice relies on shame, restriction, and punishment. Skip your coffee, starve your life today, feel guilty for existing. That never worked for me and it doesn't work for my clients. This book is an operational manual for peace: Calming panic with the $1,000 cortisol buffer Automating your flow using the three-bucket system Building your legacy binder and writing legacy letters so your family is protected Money is a mental game. You can pay off debt and build wealth without starving the life you have today. Grab your copy and get instant access to the Resource Vault tools: 🎯 moneytalkwitht.com/moves #moneymovesandmindsetshifts #booklaunch #personalfinance #moneymindset #financialpeace #stewardship #moneytalkwithtiff #wileyauthor #wealthmanagement #debtfreeliving #financialcounselor

September 18, 202631 min

The 5 Types of Wealth (And Why Money Is Only One Fifth)

Justin Chastain is back on the show. Last time he was here on episode 346, he dropped a line our listeners still quote to this day: "Don't buy green bananas." Stop putting off your actual life for some theoretical retirement date that may never arrive. Since that conversation, Justin launched his own show, Well-Advised Wealth, built around a core truth. Financial wealth is only one-fifth of the equation. If you are building a house of wealth, time is the foundation at the bottom. Lose a dollar today, and you can learn how to make three tomorrow. Lose a minute today, and nobody can get that back for you. In this episode, Justin and I walk through the five types of wealth from Sahil Bloom's framework and look at what they actually mean in real life. Time wealth Why a six-figure salary is a trap if you only enjoy two out of seven days a week. Justin shares the hard conversation he had with his late mother about walking away from an unfulfilling corporate grind to build his own firm. Physical health The hospital wake-up call in his thirties that forced him to realize no investment portfolio matters if you ruin your body getting there. Mental health Navigating burnout, family loss, and learning to quiet the noise through journaling and daily gratitude practices. Social wealth The power of intentional circles and shared hobbies to fight isolation and keep your mind sharp as you age. Financial wealth Treating money as a tool rather than the ultimate prize. As Justin says, nobody has ever seen a Wells Fargo armored truck hitched to a hearse. Connect with Justin at justin@parallelfinancial.com , or listen to his podcast Well-Advised Wealth on YouTube, Apple Podcasts, and Spotify. 🎯 moneytalkwitht.com/moves #fivetypesofwealth #justinchastain #timewealth #personalfinance #financialfreedom #moneymindset #welladvisedwealth #moneytalkwithtiff #stewardship #wealthbuilding #worklifeharmony #burnoutrecovery #holisticwealth

September 10, 202617 min

Thrive 360: Why We Chose Collaboration Over Competition

Nia Adams was on episode 215. Today she’s back because our launches landed in the same 72 hours and we decided not to treat that as a problem. Her Thrive 360 Conference is September 26 in Atlanta. My book, Money Moves and Mindset Shifts, publishes September 29. We didn’t plan it. We’re using it. Thrive 360 is mind, body, bank account. Sound bath to start. Zumba to close. Interactive sessions, not lectures. Homeownership with a realtor and a loan officer in the same room. A menopause panel. Rest and burnout. Credit, debt, estate planning. It’s for people who’ve tried to get money right, felt overwhelmed, and didn’t feel like they belonged in personal finance rooms. Nia’s point is simple. You can’t get the room from a podcast. Direct access to vetted people. A community that’s already choosing to invest in themselves. A vibe that doesn’t look like the old white-guy-finance-conference default. We also talk about why promoting someone else’s launch when yours needs attention isn’t charity. It’s how the work actually grows. Her conference is hosted by her nonprofit, The BASE Foundation. Collaboration is how it exists. The book will be given away at Thrive 360. Conference: thrive360atl.com Nia: niaadams.com Nonprofit: baseforchange.org/ (the word for, not the number) 🎯 moneytalkwitht.com/moves #thrive360 #niaadams #collaborationovercompetition #personalfinance #financialwellness #atlantaconference #moneymovesandmindsetshifts #stewardship #moneytalkwithtiff #communityovercompetition #financialanxiety #homeownership #creditrepair #blackwomenandmoney #holisticfinance

August 13, 202645 min

What Bankruptcy Actually Does with Attorney Barry Levine

People hear "bankruptcy" and picture a U-Haul and a foreclosure sign. Barry Levine has spent 45 years explaining why that's usually wrong. Most Chapter 7 cases are what he calls assetless. You file, four months later you get your discharge, and you still own your home. The cars. The pension. Trustees don't sell houses for the fun of it — in an assetless case they get paid $60. They take the path of least resistance, which is doing nothing. In this episode, Barry walks through what actually happens when creditors come calling: The timeline nobody tells you. First the notices. Then the collection agency nudging. Then the attorney. Then the lawsuit. Each step takes months, and at every point you can dispute in writing — which buys time, even if you know you owe it. Why written disputes still matter. Every collection letter says you can dispute the amount due. Barry makes his clients do it. Not because the debt is fake. Because it forces the creditor to produce documentation, which slows the machine down. Chapter 7 vs. 13 vs. 11 in plain English. 7 is the four-month discharge for most people. 13 is the wage-earner repayment plan for higher incomes or people saving a house from foreclosure. 11 is basically for businesses, though individuals with complex assets can use it. Student loans aren't the brick wall they used to be. Barry used to joke that death was the only discharge option. Now he's discharged over half a million in student loans through a process that looks at good faith, age of the loan, whether the school is still open, and whether your degree matches your job. What it actually costs. About $2,500 for a straight Chapter 7, plus $338 in government filing fees. Barry takes $250 to retain, then holds creditors at bay while you pay the rest over six months. No interest, no penalties. Just paperwork and patience. And the biggest myth of all: that bankruptcy is a trap or a moral failure. Barry calls it what the law calls it — a fresh start. 🎯 moneytalkwitht.com/moves #bankruptcy #chapter7 #debtrelief #freshstart #personalfinance #moneymanagement #creditors #debtcollection #financialplanning #barrylevine #stewardship #moneytalkwithtiff #judgmentproof #assetless #studentloans

August 6, 202618 min

Only 4% of Pets Have Insurance. Dr. Michael Bailey Explains Why

I am not a pet owner. Fish and birds, that's my lane. But I am the friend people call when the vet bill arrives. $3,000 my friend didn't see coming. Another friend spent more on his dog's diabetes than his own health insurance deductible. I didn't even know pets got diabetes. So I called Dr. Michael Bailey, president of the American Veterinary Medical Association, to ask what people miss when they calculate the true cost of pet ownership. Here's what he said. Preventative care is not optional. Six-month checkups catch things before they become catastrophic. Vaccinations matter. And not for the reason you think. Yes, they protect your pet. But rabies vaccines primarily protect your family. Rabies is still present in U.S. wildlife. If your unvaccinated dog gets bitten by a raccoon and clinical signs start showing, it is nearly 100% fatal. For the pet. For the person. The reason you barely hear about rabies deaths here? We vaccinated our way out of it. Two U.S. deaths last year. 53,000 worldwide. Pet insurance exists. Only 4% of U.S. pets have it. In some European countries it's 70%. Dr. Bailey calls it a U.S. failure. Our mindset puts money into today instead of potentially for down the road. If insurance feels like too much, open a self-managed pet health savings account. Same monthly amount you'd pay a carrier. Act like it's not there. When you need it, it's there. Wellness plans through your vet's office are another middle path. Pay monthly. Build the relationship. Don't skip the routine stuff. We also talked about why veterinary care costs what it costs. Advanced medicine means longer lives. Cats that used to live 10-12 years now hit 25. But longer lives mean more cancer, more joint disease, more specialists. Board-certified radiologists. Oncologists. Ophthalmologists. The same medical infrastructure as human health care, which means the same cost reality. And yes, we covered what not to buy. The short version: if your veterinarian didn't recommend it, pause before you trust the internet or an AI chatbot with your pet's medical decisions. 🎯 moneytalkwitht.com/start #petinsurance #veterinarycare #preventativecare #rabiesvaccine #pethealth #moneymanagement #personalfinancepodcast #moneytalkwithtiff #stewardship #petcosts #zoonoticdisease #healthsavings #veterinarymedicine #petownership #financialplanning

July 30, 202623 min

From Listener to Guest: Quitting His Job for Grad School

Tariq Beidleman found Money Talk with Tiff the same way you did — scrolling, commuting, probably stuck in DC traffic. Then he emailed me about a website bug. Then he kept listening. Then he paid off $30,000 in student debt, built his brokerage accounts, and quit a stable engineering job to go full-time for a master's in energy economics. Not because he had a trust fund. Because he ran the numbers until they made sense. In this episode, Tariq walks through the actual decision: leaving solar asset management for Colorado School of Mines, funding grad school through investment accounts instead of new loans, and the family conversation where his Trinidad-and-Tobago-raised mother — who values hard work and security — still gave him the thumbs up. We also cover: How commuting in DC traffic became his financial education (podcasts, not willpower) The moment he realized part-time grad school was a slow-motion quit waiting to happen Why "optional" education still needs an ROI calculation What Caribbean family dynamics actually look like when you trade stability for growth Tariq's on LinkedIn if you want to connect — apparently he's the only Tariq Beidleman on the platform. 📬 moneytalkwitht.com (Thursday newsletter) #financialindependence #gradschoolfunding #careerpivot #studentdebtpayoff #energyeconomics #trinidadandtobago #caribbeanculture #moneypodcast #personalfinance #stewardship #listenerstory #moneytalkwithtiff #returntoschool #engineeringcareer #solarindustry

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