Tips with Te

Hosted by Te'Aira Melvin

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199

Latest episode

Jul 2025

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About the show

Dr. Te’Aira Melvin is the Chief Executive Officer of M&J Financial Management, where her mission is to help clients achieve financial stability. Join Dr. Melvin as she shares her journey of becoming an entrepreneur and learn tips on how to achieve financial freedom through financial literacy. Find Dr. Melvin at www.mjfinancial.biz.

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July 23, 2025Episode 19810 min

Ep. 198: Retirement Planning for Young Adults

Retirement may feel like it’s decades away, but starting now can change your entire financial future. In this episode, we break down why young adults should start retirement planning early, how compound interest works in your favor, and simple steps to get started—even if you’re on a tight budget. Your future self will thank you!Ebooks: https://payhip.com/mjfm14Booking services/consultation: https://mjfinancial.setmore.com/consulting#tipswithte #podcast #letstalkmoney #entrepreneur #smallbusiness

July 9, 2025Episode 19716 min

Ep. 197: Money for Millennials

Millennials (born between 1981 and 1996) face a financial landscape that’s vastly different from previous generations. From student debt and rising living costs to side hustles and digital investing, this episode explores the unique money challenges millennials face—and the powerful financial opportunities they can tap into. Whether you're navigating your first big purchase or trying to build long-term wealth, this episode is packed with practical tips.

June 18, 2025Episode 19615 min

Ep. 196: Multiple Streams of Income

Relying on a single source of income can be risky, especially in uncertain economic times. Developing multiple streams of income provides financial security, helps you build wealth faster, and gives you the freedom to pursue your goals. In this episode, we’ll explore why having multiple income streams is essential and break down practical ways to create them—whether you’re a beginner or looking to scale.Ebooks: https://payhip.com/mjfm14Booking services/consultation: https://mjfinancial.setmore.com/consulting#tipswithte #podcast #letstalkmoney #entrepreneur #smallbusiness

June 4, 2025Episode 19516 min

Ep. 195: Emergency Funds: Why You Need One and How to Build It

Life is unpredictable, and unexpected expenses can derail your finances if you’re not prepared. That’s where an emergency fund comes in! In this episode, we’ll discuss why having an emergency fund is crucial, how much you should save, and simple strategies to build and maintain it—no matter your income level.Ebooks: https://payhip.com/mjfm14Booking services/consultation: https://mjfinancial.setmore.com/consulting#tipswithte #podcast #letstalkmoney #entrepreneur #smallbusiness

May 21, 2025Episode 19414 min

Ep. 194: Budgeting Made Simple

Budgeting doesn’t have to feel overwhelming or restrictive. It’s a tool that helps you take control of your money, align your spending with your priorities, and achieve financial success. In this episode, we’ll break down how to create a simple budget that fits your lifestyle, share practical tips to stick to it, and discuss how to budget for specific financial goals like travel, homeownership, retirement, side hustles, and debt repayment.Ebooks: https://payhip.com/mjfm14Booking services/consultation: https://mjfinancial.setmore.com/consulting#tipswithte #podcast #letstalkmoney #entrepreneur #smallbusiness

May 7, 2025Episode 19311 min

Ep. 193: Good Debt vs. Bad Debt

Not all debt is created equal. Some debt can help build wealth and improve your financial future, while other debt can trap you in a cycle of financial stress. In this episode, we’ll break down the difference between good debt and bad debt, how to use debt wisely, and strategies for managing it effectively.Ebooks: https://payhip.com/mjfm14 Booking services/consultation: https://mjfinancial.setmore.com/consulting#tipswithte #podcast #letstalkmoney #entrepreneur #smallbusiness

April 23, 2025Episode 19213 min

Ep. 192: Student Loans: Paying Them Off

Student loan debt can feel like a heavy burden, but with the right strategies, it’s possible to pay it off while still saving for future goals. In this episode, we’ll explore practical ways to balance debt repayment with building savings, so you can secure both your present and future financial well-being.Ebooks: https://payhip.com/mjfm14 Upcoming webinars: https://www.eventbrite.com/o/mj-fwinancial-management-llc-20241339445#tipswithte #podcast #letstalkmoney #entrepreneur #smallbusiness

April 9, 2025Episode 19115 min

Ep. 191: Financial Goal Setting: Achieving Milestones with Intention

Setting financial goals is the key to achieving financial freedom and stability. But without a clear plan, goals can feel overwhelming or unattainable. In this episode, we’ll break down how to set realistic, intentional financial goals and provide actionable steps to help you stay on track and reach your milestones.Ebooks: https://payhip.com/mjfm14 Upcoming webinars: https://www.eventbrite.com/o/mj-fwinancial-management-llc-20241339445#tipswithte #podcast #letstalkmoney #entrepreneur #smallbusiness

March 19, 2025Episode 19010 min

Ep. 190: Paying Off Debt

Debt can feel overwhelming, but with the right strategies, it’s possible to pay it off and achieve financial freedom. In this episode, we’ll break down effective methods for tackling debt, including the popular snowball and avalanche methods. Whether you’re dealing with credit card balances, student loans, or medical bills, this episode provides actionable steps to help you get out of debt faster.Ebooks: https://payhip.com/mjfm14#tipswithte #podcast #letstalkmoney #entrepreneur #smallbusiness

March 5, 2025Episode 18915 min

Ep. 189: Living Below Your Means

In this episode, we’ll explore the concept of living below your means—spending less than you earn while still enjoying a fulfilling lifestyle. We’ll share practical strategies to cut unnecessary expenses, make smarter financial decisions, and maintain a sense of balance and enjoyment in life.Ebooks: https://payhip.com/mjfm14 #tipswithte #podcast #letstalkmoney #entrepreneur #smallbusiness