May 23, 2025 ā¢ 34 mins
https://chat.openai.com/g/g-8E47AuJfB-life-points-assistant
https://FaceBook.com/Lifepointswithronda1
https://youtube.com/@lifepointswithronda2968
https://TikTok.com/@lifepointswithronda
https://Instagram.com/@lifepointswithronda
https://Patreon.com/@lifepointswithronda
https://Lifepointswithronda.com
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
They're telling us to prepare for a recession, but
the truth is we've been livingone.
Black communities have alreadybeen hit by inflation,
gentrification, job loss andrising costs at every corner.
So, while the world ispanicking about the economy, let
me ask you this Are you inposition to pivot?
Because this isn't about doomand gloom.
(00:20):
It's about Black genius, Blackresilience and creating your own
lane.
This is not a drill.
This is a blueprint.
Let's go Trigger warning.
This episode containsdiscussions on financial
hardship, systemic inequalityand economic instability.
Please listen with care andtake breaks if needed.
(00:40):
Your mental peace matters most.
What's up, family?
Before we go deep, make sureyou're subscribed to Life Points
with Rhonda on YouTube, at LifePoints with Rhonda 2968, and on
your favorite podcast platform.
Visit LifePointsWithRhondacomto grab your free budgeting
template, get access to ourfinancial freedom toolkit and
(01:02):
book your consultation.
Follow at Life Points withRhonda on Instagram, Facebook,
youtube and Patreon and, ifyou're new text, the word money
to our ManyChat link to get yourfree financial affirmation
audio.
Let's go.
I know your time is valuable,so let's get started okay, and
dive into the episode.
(01:23):
I'm Rhonda, your host and yoursister in transformation and
this conversation right here.
It's vital.
This isn't just another moneytalk.
This is a soul talk, becauseour families, our futures, our
freedom depend on financialliteracy, now more than ever.
The whispers of recession areloud, but for Black families
it's personal, it's historical,it's spiritual.
(01:45):
So today I'm giving you sevensoul-deep steps to not just
survive but build wealth throughthe storm.
Real strategies, no fluff,because when the system shakes
we steady ourselves.
The real state of the economythrough our lens.
We can't talk about the economywithout talking about reality,
(02:06):
and our reality is layered.
For generations, blackcommunities have been left out
of wealth building systems andright now the cracks in the
economy are only exposing theinjustice deeper.
What does that mean for us?
It means, while the world isjust now waking up to
instability, we've beennavigating it since the moment
we set foot in this country.
(02:27):
But make no mistake, there'spower in that experience.
We know how to stretch, how tocreate, how to build from what
looks like nothing.
Let's break it down Blackunemployment is still nearly
double that of white Americans,and job stability in sectors we
dominate service health caregovernment is slipping fast.
Evictions are surging.
(02:49):
In some cities like Atlanta,black renters are facing removal
at rates two to three timeshigher than others.
Grocery bills have skyrocketedand access to fresh food is
diminishing in urbanneighborhoods.
We're paying more for lessnutrition.
Meanwhile, federal aid isdrying up.
Stimulus checks are gone, childtax credits have been rolled
(03:09):
back, assistance programs areharder to access and slower to
process.
So what does all this mean?
It means our old models ofsurvival won't cut it anymore.
Now is the time for strategicrepositioning not just cutting
back, but leveling up.
Here's the shift.
You are not powerless in abroken system.
You are a pivot point.
(03:30):
Our ancestors built economicsystems under far worse
conditions, using bartering,mutual aid and divine insight to
make it through.
You carry that same DNA.
And here's the thing no onewill say out loud.
This new economy is not justabout money.
It's about control.
(03:51):
The rise of artificialintelligence, digital currency,
surveillance, capitalism it'sall being designed without us in
mind.
But we can't afford to beexcluded.
We have to get educated,organized and financially lit up
in ways that protect our future.
We can't build legacy from fear.
We build it from clarity, frompreparation, from community
Action.
Steps for this section Researchlocal and national economic
(04:15):
trends from Black-led platformslike Blavity, the Griot and your
Black World.
Begin journaling your currentfinancial state.
Not just bills, but how youfeel about your money.
Track your emotional economy,set a weekly family finance
night.
Talk openly, share what youlearn.
Saving like your life dependson it, because it might.
(04:37):
Let's be clear Saving money asa Black person in America isn't
just about building wealth.
It's about reclaiming power.
It's about saying I will not becaught off guard again.
It's about economicself-defense.
For too long we've been toldthat saving is something we do
once we get extra.
But what if the extra nevercomes?
(04:59):
What if the economy never fullyrebounds?
For us, then, saving becomesnot a bonus but a baseline.
That's why we start with what Icall the three-layer stack
system, and I want you to takethis to heart like it's
scripture.
One the quick grab fund.
This isn't your rent money.
This is your grab and go bag500 to $1,000 in cash,
(05:22):
preferably in small bills,stored safely but accessible.
This is for real emergenciesyour car breaks down, your
lights get cut off, your childneeds urgent supplies.
It should not be in your bank.
It should not be digital.
It should be real cash.
If you've ever been in ablackout or watched a system
outage erase your account, youknow why this matters.
(05:45):
Two, the liquid security fund.
This is one to three months ofbills kept in a high yield
savings account.
Look for black owned creditunions or reputable online banks
offering 4% plus APY.
This account should be separatefrom your checking account,
harder to access, no debit cardattached Labeled for your vision
(06:07):
.
Call it my Freedom Account ifyou want to.
Even if you're only putting in$25 a week, that's over $1,200 a
year.
That's a cushion.
That's a reset button.
Three, the Black Legacy Fund.
This is your long-term stack,not for emergencies, but for
elevation.
(06:27):
You'll use this for things likeland-down payments, starting
your business, seed, fundingyour child's college or
launching a product.
This money can live in CDs,money markets or a combination
of low-risk, long-terminstruments.
It's not flashy, it'sfoundational.
Combination of low-risk,long-term instruments.
It's not flashy, it'sfoundational.
Why this matters?
Culturally, we have historicallybeen left out of savings
(06:49):
culture due to redlining,underemployment, medical racism
and exploitation, so we weretrained to live on just enough.
But now is the time to disruptthat mindset, because wealth is
not what you flash.
It's what you store.
Daily habits that help you save.
Round up every purchase intosavings using apps like Acorns.
Cook four out of five meals aweek at home.
(07:11):
Choose one day a week to be ano-spend day.
Set up automatic transfers.
Even $5 matters.
Use windfalls, tax refunds,bonuses to stack first, spend
second.
Words of wisdom Saving doesn'tmean you're broke, it means
you're wise.
You're not waiting for thegovernment.
You're not begging your job,you're building your own
(07:32):
lifeboat.
And listen don't save alone.
Do it in community.
Start a family savingschallenge.
Do a group chat accountabilitycheck-in.
Teach your elders how to stashsafely.
Get your kids involved.
Action steps for this sectionSet a savings goal with a real
dollar amount.
Write it and post it.
Open or name your threeaccounts.
(07:53):
Give them spiritual names ifneeded my comeback fund,
ancestor honor account, etc.
Add five dollars today.
Don't wait that five dollars isa seed and seeds grow.
Add $5 today.
Don't wait that.
$5 is a seed and seeds grow.
Section three budgeting forBlack freedom, not bear survival
.
Let's call it what it is.
Budgeting has been weaponizedin our community.
(08:13):
It's been turned into a tool ofshame.
How many of us grew up hearingwe can't afford that or that's
not in the budget, with noexplanation, no plan, just fear
that trauma sticks with us.
But what if I told you thatbudgeting is actually one of the
most powerful acts of self-loveand ancestral alignment you can
do, because when you controlwhere your money flows, you
(08:37):
control your outcomes.
You reclaim your future.
Budgeting isn't aboutdeprivation, it's about
direction, it's about vision.
It's about saying I know whatI'm building and every dollar I
move is a brick in thatfoundation.
Let's start with rethinking thebudget model.
Most mainstream advice givesyou the 50-30-20 rule, but let's
(08:57):
make that culturally relevantand rooted in our real-world
needs.
The 50-30-20 rule remixed forliberation 50% necessities rent
utilities, food, basictransportation, elder care and
spiritual supplies.
30% flex plus debt tools,credit repair, child care,
(09:19):
bartering costs, communitysupport, small business
materials.
Bartering costs, communitysupport, small business
materials.
20% freedom fund investmentsside hustle, development savings
and courses that elevate yourincome.
That's a remix that fits theaverage Black household, trying
to juggle caregiving, spiritualobligations and multiple income
(09:40):
streams.
But here's where we go deeper.
Your budget should also reflectyour trauma healing.
That means you include therapyor healing circles as part of
your necessities.
Wellness like massage, herbs orReiki in your Freedom Fund.
Giving back to family, churchor ancestors in your Flex Fund.
Because money moves through usspiritually.
(10:02):
If you ignore the emotional,the numbers won't stick.
How to build a liberating budget, step by step Track without
judgment.
Spend 30 days simply observingwhere your money goes.
Use a notebook, a spreadsheetor apps like Good Budget or Zeta
Great for couples.
Assign every dollar a missionInstead of budgeting by category
(10:24):
.
Budget by intention.
X $100 for legacy, $75 forhealing, $40 for black joy.
Use visuals.
Print out vision boards thatreflect what you're saving
toward Property, peace, familyunity.
Put them inside your wallet,phone case or bathroom mirror
(10:47):
Real Talk.
Your budget must include BlackTax.
What's Black Tax?
It's the unspoken financialresponsibility we carry Helping
family, covering unexpectedcommunity needs, being the one
who made it.
Include a category for it.
Don't resent it, just plan forit Tools that can help YNAB.
(11:08):
You need a budget forgoal-based tracking Tiller if
you love spreadsheets syncedwith your bank.
Zeta if you budget with apartner or family member.
Envelopes or cash jars forthose who prefer analog
Affirmation for this section.
I am a conscious steward of mymoney.
My budget honors my ancestors,nourishes my present and builds
(11:30):
my future.
Community wisdom Tip Host abudget plus vision board Night
with friends.
Share goals, swap resources,pray over each other's goals,
make sacred action steps forthis section.
Rename your budget, call itsomething loving my liberation
plan, my garden budget or wealthflow blueprint.
(11:53):
Spend one sunday doing a deepfinancial cleanse.
Light a candle, make it sacred.
Lay out every bill, expense anddream.
Choose one thing to eliminatethis month and one thing to
elevate X.
Cancel DoorDash.
Elevate grocery prep.
Small money, big moves, smartinvestments on a budget.
(12:14):
Let's have a heart-to-heartfamily.
Most of us were never taught toinvest.
In fact, we were taught to fearit.
We were told it was too risky,only for the rich or a scam.
But here's the truth Notinvesting is the bigger risk.
When your money just sits, itloses value.
When your dollar doesn't move,it dies in your hand.
(12:36):
But when it circulates withintention, it multiplies.
You don't need thousands toinvest.
You don't need a stockbroker.
You need a mindset, you need astrategy and you need courage.
Smart Starter Investments for2025 and beyond.
These are areas where you canstart with as little as $5 to
(12:57):
$100 and still build realmomentum over time.
Let's walk through them withclarity, love and vision.
1.
Fractional shares and indexfunds.
Apps like Fidelity, charlesSchwab and Public allow you to
buy slices of major stocks orbundles like the S&P 500 for
(13:18):
just a few dollars.
Don't chase trendy stocks.
Instead, think long-term.
Look at companies you use everyday.
Look at companies you use everyday Apple, google, visa and
black-owned or led ETFs like theNAACP ETF Investment tip.
(13:40):
Start with a recurring buy $10a week into a diversified fund.
Watch it grow.
2.
Crypto long-term only.
Cryptocurrency is volatile, butit's also the future of digital
value transfer.
Stick to coins with long-termutility XRP, ada, cardano, xlm,
shib for community power or BTCBitcoin.
(14:01):
Avoid meme coins unless youunderstand the risk fully.
Use platforms like Coinbase orUphold.
Set a recurring buy $5 to $20per month.
Move your crypto to a privatewallet if you're planning to
hold for years.
3.
Precious metals silver and gold.
Start small.
(14:21):
A one-ounce silver coin cancost around $30.
Gold grams are available for$60 to $100.
Physical metals are a greathedge against inflation and
store of wealth.
Stick to reputable sellers likeJM Bullion, apm, ex or local
coin shops.
Keep them in a fireproof safeat home or a bank deposit box.
(14:44):
Fourth, community investmentcircles.
Black families have longpracticed collective economics
Susu savings, tithes, group landownership.
Use digital tools like Seat atthe Table, kiva or Buy the Block
to pool funds into real estatestartups or small businesses.
This is where legacy begins.
(15:05):
When you invest in anotherBlack entrepreneur, you plant a
generational tree.
Use $25 to learn Canva orShopify.
Buy a used herbalism book.
Those skills can launch yourside hustle, elevate your income
(15:35):
and create independence.
Make yourself a high returnasset.
The emotional side of investing.
Let's not ignore the truth.
Many of us fear investingbecause we've seen money
disappear through scams, badadvice or economic collapse.
That fear is valid, but itshould not rule you.
Start small, with what you'rewilling to lose.
(15:55):
Build confidence by doing yourown research.
Take your time, ask questions.
Build from a place of groundedpower.
Spiritual practice forinvesting Before each new
investment.
Spiritual practice forinvesting Before each new
investment.
Light a green candle, say anintention prayer.
I invest in alignment with mydestiny.
My money multiplies in purpose,not panic.
(16:17):
Offer a cup of water to yourancestors and ask for guidance.
This keeps you grounded,aligned, protected.
What not to do?
Don't invest money you can'tafford to lose.
Don't copy someone else'sportfolio without understanding
it.
Don't panic sell.
Ride the waves.
Long term is key.
Action steps Choose onecategory above and make your
(16:40):
first $10 to $25 investment thisweek.
How it felt?
Was it scary, exciting,liberating?
Create a simple spreadsheet ornotebook to track your
investments monthly.
Building our own systems DIYmedical food and housing.
Let's get one thing clearLiberation is not just about
what you earn.
(17:00):
It's about what you can sustainwithout dependency.
For generations, we've reliedon external systems, government
programs, healthcareinstitutions and corporate
structures that were never trulydesigned for our survival, let
alone our success.
And while some of those systemscan offer temporary support, we
cannot depend on them long term.
(17:22):
That's why, now more than ever,we must return to the wisdom of
our ancestors self-reliance,collective power and spiritual
innovation.
True wealth is the ability tofeed yourself, heal yourself and
house yourself, even if thelights go out and the world
stops spinning.
Let's talk about how to buildthat wealth in practical, sacred
(17:43):
ways.
Food, grow it, share it, storeit.
Thank you, drive away, that'snot an accident, that's policy.
(18:06):
And we counter policy withplanting.
Start here Balcony or windowherb gardens with basil, mint
collards and tomatoes, Indoorhydroponic towers or mason jar
lettuce jars.
Share crops in community lotsor backyards.
Build garden co-ops with familyand friends.
Each family grows two to threeitems and you trade weekly Bulk
(18:29):
buying strategies.
Use membership programs, costco, sam's or local ethnic markets.
Freeze your own fruits,pre-chop your veggies and prep
meals to reduce waste.
Learn to can, dehydrate andferment to extend shelf life.
Naturally, spiritual foodpractice.
Bless every meal.
(18:57):
Set up an ancestral plate eachSunday.
Grow herbs like basil androsemary, thank you.
There were midwives, rootworkers and grandmamas with
molasses and mullein in thecupboard.
Now's the time to bring thosetraditions forward.
Build your own apothecary withsupernaturally you herbal blends
for respiratory immunity andspiritual hygiene.
(19:19):
Diy salves, coconut oil,beeswax, calendula and plantain,
herbal tinctures for stress,passionflower, lemon balm,
skullcap.
Diy first aid kits shouldinclude activated charcoal,
poisoning stomach detox, applecider, vinegar, infections,
inflammation, cayenne pepper,circulation and bleeding, ginger
(19:42):
tea and turmeric blends forcolds.
Partner with a communityherbalist or naturopath to learn
how to dose and prepareformulas.
Join Black herbalism groupsonline and share knowledge, like
your life depends on it becauseit might Spiritual tip.
Before you mix any remedy, prayover it.
Use psalms, yoruba, ariki oryour own words.
(20:03):
Infuse that tea with intentionHousing.
Secure your shelter.
The biggest wealth builder forBlack families historically has
been home ownership.
But what if that's not possibleright now?
Then we get creative.
Explore rent-to-own programsthrough local credit unions.
Convert garages or sheds intobackyard studios.
(20:25):
Co-live with family to reducecosts and stack savings.
Start a tiny home or containervillage with trusted friends and
collective land ownership.
Land is legacy.
Land gives us the power to farm, build housing, host spiritual
retreats and pass something down.
Even a quarter acre can feed afamily and become a sanctuary.
(20:46):
Land strategy tips Look at USDArural loans for 0% down
financing, check tax lien salesand land auctions in smaller
towns.
Use platforms like Buy theBlock or Blackland Ownership
Facebook groups, action steps.
Choose one food item to growthis week, even if it's just
basil in a jar.
(21:06):
Build a spiritual first aid kitand add one new herb.
Monthly Research one to twoland options within 100 miles of
you.
Start a folder, start a dreamhow to teach our kids so they
never panic.
We're not just preparing forsurvival.
We're preparing our legacy tothrive, and that means educating
(21:27):
our children early.
We're preparing our legacy tothrive and that means educating
our children early, often andintentionally.
Money, power and opportunityshould never feel like foreign
concepts to them.
The earlier our children areexposed to financial wisdom, the
deeper it roots in theirconsciousness and the more
naturally they step intoleadership in every room they
enter.
Let's be real Many of us werenot taught this.
(21:51):
We learned through crisis,through loss, through
embarrassment.
We found out what a creditscore was when it was already
ruined.
We learned about taxes fromgetting hit with a fine.
We learned about savings thefirst time the lights were cut
off.
But that cycle ends now Startearly.
Speak real.
Children are more capable thanwe think.
(22:13):
You don't have to wait untilthey're in high school to
introduce them to money.
By age five, they canunderstand that money comes from
effort.
By age 10, they can budgetallowance.
By age 13, they can start aside hustle.
Let them sit in on familyfinance talks.
Let them count grocery money.
Let them sit in on familyfinance talks.
Let them count grocery money.
Let them plan meals with a $20budget.
(22:34):
Give them the chance to feelempowered instead of anxious
Tools for financial education.
By age Ages 3 to 7, use threejars Spend, save, share.
Teach them to divide any moneythey receive.
Ages 8 to 12, open a youthsavings account.
Use apps like go henry,greenlight or famzu for digital
(22:54):
guidance.
Ages 13 to 17 let them manage areal debit card with
limitations.
Teach them about compoundinterest fees and scams.
Ages 18 plus guide them throughtheir first credit card,
student loans, taxes and jobcontracts.
Recommended books RaisingFinancially Confident Kids by
(23:16):
Mary Hunt.
I Am Net Worthy by Chris SmithMoney as you Grow Free.
Pdf from the CFPB Girl CEO andside hustle.
Great for entrepreneurial teens.
Make it a rite of passage.
What if we made financialliteracy part of our cultural
initiation, a celebration ofgrowing into self-responsibility
(23:38):
?
Imagine a 13th birthday where,instead of just gifts, they
receive a checking account, ajournal of affirmations and
their first business license.
That's power.
Create a ceremony.
Have elders give money advice.
Let youth make a money goal andshare it aloud.
Gift them a piggy bank, awallet or a cash envelope system
(23:58):
.
Mental and emotional awareness.
Children absorb our moneystress.
If you're anxious about bills,they can feel it even if you
don't say it.
That's why it's vital to modelcalm, conscious conversations.
Replace we're broke with.
This week is a savings week.
Instead of we can't afford thattry, we're choosing to invest
(24:20):
in something bigger.
Normalize, saying no withoutshame, talking about income,
investing and legacy,celebrating saving just as much
as spending.
Cultural empowerment.
Thank you, bankers and bosses.
(24:48):
By blood, action steps.
Host a kid wealth night.
Let each child present onemoney idea.
Create a family money missionstatement and post it on the
fridge.
Give them a monthly moneyjournal prompt.
What does wealth mean to methis month?
Spiritual wealth is the root ofall abundance.
Let's be honest there is nosuch thing as true wealth
(25:10):
without spiritual alignment.
You can have millions and stillfeel empty.
You can hit every money goaland still walk around
spiritually bankrupt.
For us, as a people, prosperityis a holistic state.
It touches the soul, the heart,the ancestors and the bank
account, and when those thingsare out of balance, we feel it
deeply.
We have to teach and practicethat wealth is not just what you
(25:33):
earn.
It's what you radiate, what youprotect and what you nurture
within Soul currency.
What are you really spending?
Money is just one form ofenergy.
You spend your energy every dayon people, problems, platforms
and patterns.
Ask yourself are you investingyour energy in things that give
(25:55):
you peace and purpose, or areyou pouring into people in
places that only leave youdrained?
Every budget needs a spiritualaudit.
Where's your energy going?
What are you tithing toemotionally?
Are you hoarding out of fear orcirculating out of faith?
Spiritual affirmation Icirculate wealth with wisdom.
I give and receive in balance.
My soul is my most valuableasset.
(26:18):
Energetic debt is real, justlike financial debt.
Spiritual debt weighs you downEvery time you suppress your
intuition, betray your valuesfor a paycheck or ignore your
healing path.
You accrue debt and it shows upin your money Delayed payments,
lost opportunities, chaos inyour finances.
(26:38):
But here's the good newsSpiritual debt can be cleared
with intention, prayer, ritualand truth-telling.
Start with a cleansing bathwith Florida water, sea salt and
hyssop Journaling.
What money patterns have Iinherited?
What am I ready to release?
Setting up an ancestor altar toask for guidance in restoring
(26:59):
alignment?
Rituals for abundance?
Rituals are not superstition.
They are structure for yourspirit.
They ground your money goals inancestral wisdom and divine
energy.
Try this On Fridays light agreen or gold candle.
Speak your financial intentionsaloud, place coins and fresh
(27:19):
water on your altar.
Give thanks in advance Bonus.
Play music that elevates yourvibration Jazz, soul, spirituals
or 432 hertz frequencies.
Meditate with money.
Sit with your wallet, your bankstatement or your coins.
(27:40):
Breathe deeply.
Don't judge the numbers, justspeak truth.
This is where I am, but notwhere I'll stay.
I bless this account.
I bless this journey.
The goal is to remove shame andinfuse your finances with grace
.
You don't manifest from anxiety.
You manifest from alignment,collective abundance.
(28:00):
Your spiritual wealth alsoincludes your community.
Are you sharing wisdom?
Are you showing up for otherswith love?
Are you creating space for joy,not just hustle your blessings.
Multiply when they pass throughmore than one set of hands.
Host spiritual wealth circles,share abundance rituals, pray
over each other's businesses.
This is how Black Wall Streetgets rebuilt.
(28:22):
Soul first, system secondEmotional signs You're in
alignment.
You feel peace when you checkyour bank account, even if it's
not where you want it.
You feel proud of how youmanage your income.
You give without resentment andreceive without guilt.
Action steps Create a simplewealth altar this week A candle,
(28:44):
a crystal like pyrite orcitrine, a glass of water and an
intention.
Commit to one abundance ritualevery Friday for the next month.
Write a spiritual money mantraand repeat it daily.
In conclusion, how it all tiesto relationships.
Let's bring it full circle.
Family, because here's thetruth Money without connection
(29:06):
is just numbers, wealth withoutlove is just noise, and all the
stacking, saving and investingin the world won't mean a thing
if the relationships in yourlife are broken, imbalanced or
burdened by silence.
When you align your financeswith your values, your
relationships naturally shift,because money isn't neutral.
It carries emotion, intention,trauma and legacy.
(29:29):
If you and your partner can'ttalk about money without
fighting, that's not a budgetissue.
It's a communication wound.
If you feel pressure tofinancially rescue everyone
around you, that's notgenerosity, it's emotional debt.
And if you hide your moneyhabits from your loved ones out
of fear or shame, that's notprivacy, it's spiritual
isolation.
Let's heal that.
Budgeting is intimacy.
(29:51):
Sitting down with your partner,your parent or your child and
laying the numbers out on thetable takes courage, but it also
builds trust.
It says I want us to succeedtogether.
Create a ritual around yourmoney talks, tea, candles, music
.
Make it gentle, make it aregular check-in.
Budgeting together should feellike goal setting, not
(30:14):
punishment.
Financial transparency isemotional safety, whether it's a
friendship, a romanticrelationship or a business
partnership.
Money boundaries matter.
Learn how to say that's not inmy plan right now.
I want to contribute, but let'sfind another way.
I need to take care of my ownfinancial healing first.
(30:36):
Clarity is kindness and yourpeace is not up for negotiation.
Legacy is love.
When you teach your family howto save, invest, budget and
protect themselves, you areloving them in advance.
You are planting freedom insoil.
They haven't even walked on yet.
You are becoming the ancestorthey will one day thank so.
(30:59):
Make it sacred.
Host a wealth circle with yourpartner.
Have money Sundays with yourkids.
Share your financial story withyour elders.
Replace secrecy with strategy.
Replace shame with soul.
Final reflection Ask yourselfwhat story do I want my finances
to tell about my life?
What do I want my loved ones tofeel when they think about how
(31:21):
I move through this season?
Write that story now.
Final action steps Schedule arelationship Money reset
conversation this week.
Make it loving, notconfrontational.
Choose a shared goal withsomeone you care about and
create a 30-day financial actionplan.
Speak these words over yourhousehold we are divinely
(31:42):
provided for.
We build together, we risetogether Because, in the end,
money isn't just about dollars.
It's about devotion.
It's about building homes,hearts and futures that hold us
safely.
Let this episode Thank you,thank you, you.
They're telling us to prepare for a recession, but
the truth is we've been livingone.
Black communities have alreadybeen hit by inflation,
gentrification, job loss andrising costs at every corner.
So, while the world ispanicking about the economy, let
me ask you this Are you inposition to pivot?
Because this isn't about doomand gloom.
(00:20):
It's about Black genius, Blackresilience and creating your own
lane.
This is not a drill.
This is a blueprint.
Let's go Trigger warning.
This episode containsdiscussions on financial
hardship, systemic inequalityand economic instability.
Please listen with care andtake breaks if needed.
(00:40):
Your mental peace matters most.
What's up, family?
Before we go deep, make sureyou're subscribed to Life Points
with Rhonda on YouTube, at LifePoints with Rhonda 2968, and on
your favorite podcast platform.
Visit LifePointsWithRhondacomto grab your free budgeting
template, get access to ourfinancial freedom toolkit and
(01:02):
book your consultation.
Follow at Life Points withRhonda on Instagram, Facebook,
youtube and Patreon and, ifyou're new text, the word money
to our ManyChat link to get yourfree financial affirmation
audio.
Let's go.
I know your time is valuable,so let's get started okay, and
dive into the episode.
(01:23):
I'm Rhonda, your host and yoursister in transformation and
this conversation right here.
It's vital.
This isn't just another moneytalk.
This is a soul talk, becauseour families, our futures, our
freedom depend on financialliteracy, now more than ever.
The whispers of recession areloud, but for Black families
it's personal, it's historical,it's spiritual.
(01:45):
So today I'm giving you sevensoul-deep steps to not just
survive but build wealth throughthe storm.
Real strategies, no fluff,because when the system shakes
we steady ourselves.
The real state of the economythrough our lens.
We can't talk about the economywithout talking about reality,
(02:06):
and our reality is layered.
For generations, blackcommunities have been left out
of wealth building systems andright now the cracks in the
economy are only exposing theinjustice deeper.
What does that mean for us?
It means, while the world isjust now waking up to
instability, we've beennavigating it since the moment
we set foot in this country.
(02:27):
But make no mistake, there'spower in that experience.
We know how to stretch, how tocreate, how to build from what
looks like nothing.
Let's break it down Blackunemployment is still nearly
double that of white Americans,and job stability in sectors we
dominate service health caregovernment is slipping fast.
Evictions are surging.
(02:49):
In some cities like Atlanta,black renters are facing removal
at rates two to three timeshigher than others.
Grocery bills have skyrocketedand access to fresh food is
diminishing in urbanneighborhoods.
We're paying more for lessnutrition.
Meanwhile, federal aid isdrying up.
Stimulus checks are gone, childtax credits have been rolled
(03:09):
back, assistance programs areharder to access and slower to
process.
So what does all this mean?
It means our old models ofsurvival won't cut it anymore.
Now is the time for strategicrepositioning not just cutting
back, but leveling up.
Here's the shift.
You are not powerless in abroken system.
You are a pivot point.
(03:30):
Our ancestors built economicsystems under far worse
conditions, using bartering,mutual aid and divine insight to
make it through.
You carry that same DNA.
And here's the thing no onewill say out loud.
This new economy is not justabout money.
It's about control.
(03:51):
The rise of artificialintelligence, digital currency,
surveillance, capitalism it'sall being designed without us in
mind.
But we can't afford to beexcluded.
We have to get educated,organized and financially lit up
in ways that protect our future.
We can't build legacy from fear.
We build it from clarity, frompreparation, from community
Action.
Steps for this section Researchlocal and national economic
(04:15):
trends from Black-led platformslike Blavity, the Griot and your
Black World.
Begin journaling your currentfinancial state.
Not just bills, but how youfeel about your money.
Track your emotional economy,set a weekly family finance
night.
Talk openly, share what youlearn.
Saving like your life dependson it, because it might.
(04:37):
Let's be clear Saving money asa Black person in America isn't
just about building wealth.
It's about reclaiming power.
It's about saying I will not becaught off guard again.
It's about economicself-defense.
For too long we've been toldthat saving is something we do
once we get extra.
But what if the extra nevercomes?
(04:59):
What if the economy never fullyrebounds?
For us, then, saving becomesnot a bonus but a baseline.
That's why we start with what Icall the three-layer stack
system, and I want you to takethis to heart like it's
scripture.
One the quick grab fund.
This isn't your rent money.
This is your grab and go bag500 to $1,000 in cash,
(05:22):
preferably in small bills,stored safely but accessible.
This is for real emergenciesyour car breaks down, your
lights get cut off, your childneeds urgent supplies.
It should not be in your bank.
It should not be digital.
It should be real cash.
If you've ever been in ablackout or watched a system
outage erase your account, youknow why this matters.
(05:45):
Two, the liquid security fund.
This is one to three months ofbills kept in a high yield
savings account.
Look for black owned creditunions or reputable online banks
offering 4% plus APY.
This account should be separatefrom your checking account,
harder to access, no debit cardattached Labeled for your vision
(06:07):
.
Call it my Freedom Account ifyou want to.
Even if you're only putting in$25 a week, that's over $1,200 a
year.
That's a cushion.
That's a reset button.
Three, the Black Legacy Fund.
This is your long-term stack,not for emergencies, but for
elevation.
(06:27):
You'll use this for things likeland-down payments, starting
your business, seed, fundingyour child's college or
launching a product.
This money can live in CDs,money markets or a combination
of low-risk, long-terminstruments.
It's not flashy, it'sfoundational.
Combination of low-risk,long-term instruments.
It's not flashy, it'sfoundational.
Why this matters?
Culturally, we have historicallybeen left out of savings
(06:49):
culture due to redlining,underemployment, medical racism
and exploitation, so we weretrained to live on just enough.
But now is the time to disruptthat mindset, because wealth is
not what you flash.
It's what you store.
Daily habits that help you save.
Round up every purchase intosavings using apps like Acorns.
Cook four out of five meals aweek at home.
(07:11):
Choose one day a week to be ano-spend day.
Set up automatic transfers.
Even $5 matters.
Use windfalls, tax refunds,bonuses to stack first, spend
second.
Words of wisdom Saving doesn'tmean you're broke, it means
you're wise.
You're not waiting for thegovernment.
You're not begging your job,you're building your own
(07:32):
lifeboat.
And listen don't save alone.
Do it in community.
Start a family savingschallenge.
Do a group chat accountabilitycheck-in.
Teach your elders how to stashsafely.
Get your kids involved.
Action steps for this sectionSet a savings goal with a real
dollar amount.
Write it and post it.
Open or name your threeaccounts.
(07:53):
Give them spiritual names ifneeded my comeback fund,
ancestor honor account, etc.
Add five dollars today.
Don't wait that five dollars isa seed and seeds grow.
Add $5 today.
Don't wait that.
$5 is a seed and seeds grow.
Section three budgeting forBlack freedom, not bear survival
.
Let's call it what it is.
Budgeting has been weaponizedin our community.
(08:13):
It's been turned into a tool ofshame.
How many of us grew up hearingwe can't afford that or that's
not in the budget, with noexplanation, no plan, just fear
that trauma sticks with us.
But what if I told you thatbudgeting is actually one of the
most powerful acts of self-loveand ancestral alignment you can
do, because when you controlwhere your money flows, you
(08:37):
control your outcomes.
You reclaim your future.
Budgeting isn't aboutdeprivation, it's about
direction, it's about vision.
It's about saying I know whatI'm building and every dollar I
move is a brick in thatfoundation.
Let's start with rethinking thebudget model.
Most mainstream advice givesyou the 50-30-20 rule, but let's
(08:57):
make that culturally relevantand rooted in our real-world
needs.
The 50-30-20 rule remixed forliberation 50% necessities rent
utilities, food, basictransportation, elder care and
spiritual supplies.
30% flex plus debt tools,credit repair, child care,
(09:19):
bartering costs, communitysupport, small business
materials.
Bartering costs, communitysupport, small business
materials.
20% freedom fund investmentsside hustle, development savings
and courses that elevate yourincome.
That's a remix that fits theaverage Black household, trying
to juggle caregiving, spiritualobligations and multiple income
(09:40):
streams.
But here's where we go deeper.
Your budget should also reflectyour trauma healing.
That means you include therapyor healing circles as part of
your necessities.
Wellness like massage, herbs orReiki in your Freedom Fund.
Giving back to family, churchor ancestors in your Flex Fund.
Because money moves through usspiritually.
(10:02):
If you ignore the emotional,the numbers won't stick.
How to build a liberating budget, step by step Track without
judgment.
Spend 30 days simply observingwhere your money goes.
Use a notebook, a spreadsheetor apps like Good Budget or Zeta
Great for couples.
Assign every dollar a missionInstead of budgeting by category
(10:24):
.
Budget by intention.
X $100 for legacy, $75 forhealing, $40 for black joy.
Use visuals.
Print out vision boards thatreflect what you're saving
toward Property, peace, familyunity.
Put them inside your wallet,phone case or bathroom mirror
(10:47):
Real Talk.
Your budget must include BlackTax.
What's Black Tax?
It's the unspoken financialresponsibility we carry Helping
family, covering unexpectedcommunity needs, being the one
who made it.
Include a category for it.
Don't resent it, just plan forit Tools that can help YNAB.
(11:08):
You need a budget forgoal-based tracking Tiller if
you love spreadsheets syncedwith your bank.
Zeta if you budget with apartner or family member.
Envelopes or cash jars forthose who prefer analog
Affirmation for this section.
I am a conscious steward of mymoney.
My budget honors my ancestors,nourishes my present and builds
(11:30):
my future.
Community wisdom Tip Host abudget plus vision board Night
with friends.
Share goals, swap resources,pray over each other's goals,
make sacred action steps forthis section.
Rename your budget, call itsomething loving my liberation
plan, my garden budget or wealthflow blueprint.
(11:53):
Spend one sunday doing a deepfinancial cleanse.
Light a candle, make it sacred.
Lay out every bill, expense anddream.
Choose one thing to eliminatethis month and one thing to
elevate X.
Cancel DoorDash.
Elevate grocery prep.
Small money, big moves, smartinvestments on a budget.
(12:14):
Let's have a heart-to-heartfamily.
Most of us were never taught toinvest.
In fact, we were taught to fearit.
We were told it was too risky,only for the rich or a scam.
But here's the truth Notinvesting is the bigger risk.
When your money just sits, itloses value.
When your dollar doesn't move,it dies in your hand.
(12:36):
But when it circulates withintention, it multiplies.
You don't need thousands toinvest.
You don't need a stockbroker.
You need a mindset, you need astrategy and you need courage.
Smart Starter Investments for2025 and beyond.
These are areas where you canstart with as little as $5 to
(12:57):
$100 and still build realmomentum over time.
Let's walk through them withclarity, love and vision.
1.
Fractional shares and indexfunds.
Apps like Fidelity, charlesSchwab and Public allow you to
buy slices of major stocks orbundles like the S&P 500 for
(13:18):
just a few dollars.
Don't chase trendy stocks.
Instead, think long-term.
Look at companies you use everyday.
Look at companies you use everyday Apple, google, visa and
black-owned or led ETFs like theNAACP ETF Investment tip.
(13:40):
Start with a recurring buy $10a week into a diversified fund.
Watch it grow.
2.
Crypto long-term only.
Cryptocurrency is volatile, butit's also the future of digital
value transfer.
Stick to coins with long-termutility XRP, ada, cardano, xlm,
shib for community power or BTCBitcoin.
(14:01):
Avoid meme coins unless youunderstand the risk fully.
Use platforms like Coinbase orUphold.
Set a recurring buy $5 to $20per month.
Move your crypto to a privatewallet if you're planning to
hold for years.
3.
Precious metals silver and gold.
Start small.
(14:21):
A one-ounce silver coin cancost around $30.
Gold grams are available for$60 to $100.
Physical metals are a greathedge against inflation and
store of wealth.
Stick to reputable sellers likeJM Bullion, apm, ex or local
coin shops.
Keep them in a fireproof safeat home or a bank deposit box.
(14:44):
Fourth, community investmentcircles.
Black families have longpracticed collective economics
Susu savings, tithes, group landownership.
Use digital tools like Seat atthe Table, kiva or Buy the Block
to pool funds into real estatestartups or small businesses.
This is where legacy begins.
(15:05):
When you invest in anotherBlack entrepreneur, you plant a
generational tree.
Use $25 to learn Canva orShopify.
Buy a used herbalism book.
Those skills can launch yourside hustle, elevate your income
(15:35):
and create independence.
Make yourself a high returnasset.
The emotional side of investing.
Let's not ignore the truth.
Many of us fear investingbecause we've seen money
disappear through scams, badadvice or economic collapse.
That fear is valid, but itshould not rule you.
Start small, with what you'rewilling to lose.
(15:55):
Build confidence by doing yourown research.
Take your time, ask questions.
Build from a place of groundedpower.
Spiritual practice forinvesting Before each new
investment.
Spiritual practice forinvesting Before each new
investment.
Light a green candle, say anintention prayer.
I invest in alignment with mydestiny.
My money multiplies in purpose,not panic.
(16:17):
Offer a cup of water to yourancestors and ask for guidance.
This keeps you grounded,aligned, protected.
What not to do?
Don't invest money you can'tafford to lose.
Don't copy someone else'sportfolio without understanding
it.
Don't panic sell.
Ride the waves.
Long term is key.
Action steps Choose onecategory above and make your
(16:40):
first $10 to $25 investment thisweek.
How it felt?
Was it scary, exciting,liberating?
Create a simple spreadsheet ornotebook to track your
investments monthly.
Building our own systems DIYmedical food and housing.
Let's get one thing clearLiberation is not just about
what you earn.
(17:00):
It's about what you can sustainwithout dependency.
For generations, we've reliedon external systems, government
programs, healthcareinstitutions and corporate
structures that were never trulydesigned for our survival, let
alone our success.
And while some of those systemscan offer temporary support, we
cannot depend on them long term.
(17:22):
That's why, now more than ever,we must return to the wisdom of
our ancestors self-reliance,collective power and spiritual
innovation.
True wealth is the ability tofeed yourself, heal yourself and
house yourself, even if thelights go out and the world
stops spinning.
Let's talk about how to buildthat wealth in practical, sacred
(17:43):
ways.
Food, grow it, share it, storeit.
Thank you, drive away, that'snot an accident, that's policy.
(18:06):
And we counter policy withplanting.
Start here Balcony or windowherb gardens with basil, mint
collards and tomatoes, Indoorhydroponic towers or mason jar
lettuce jars.
Share crops in community lotsor backyards.
Build garden co-ops with familyand friends.
Each family grows two to threeitems and you trade weekly Bulk
(18:29):
buying strategies.
Use membership programs, costco, sam's or local ethnic markets.
Freeze your own fruits,pre-chop your veggies and prep
meals to reduce waste.
Learn to can, dehydrate andferment to extend shelf life.
Naturally, spiritual foodpractice.
Bless every meal.
(18:57):
Set up an ancestral plate eachSunday.
Grow herbs like basil androsemary, thank you.
There were midwives, rootworkers and grandmamas with
molasses and mullein in thecupboard.
Now's the time to bring thosetraditions forward.
Build your own apothecary withsupernaturally you herbal blends
for respiratory immunity andspiritual hygiene.
(19:19):
Diy salves, coconut oil,beeswax, calendula and plantain,
herbal tinctures for stress,passionflower, lemon balm,
skullcap.
Diy first aid kits shouldinclude activated charcoal,
poisoning stomach detox, applecider, vinegar, infections,
inflammation, cayenne pepper,circulation and bleeding, ginger
(19:42):
tea and turmeric blends forcolds.
Partner with a communityherbalist or naturopath to learn
how to dose and prepareformulas.
Join Black herbalism groupsonline and share knowledge, like
your life depends on it becauseit might Spiritual tip.
Before you mix any remedy, prayover it.
Use psalms, yoruba, ariki oryour own words.
(20:03):
Infuse that tea with intentionHousing.
Secure your shelter.
The biggest wealth builder forBlack families historically has
been home ownership.
But what if that's not possibleright now?
Then we get creative.
Explore rent-to-own programsthrough local credit unions.
Convert garages or sheds intobackyard studios.
(20:25):
Co-live with family to reducecosts and stack savings.
Start a tiny home or containervillage with trusted friends and
collective land ownership.
Land is legacy.
Land gives us the power to farm, build housing, host spiritual
retreats and pass something down.
Even a quarter acre can feed afamily and become a sanctuary.
(20:46):
Land strategy tips Look at USDArural loans for 0% down
financing, check tax lien salesand land auctions in smaller
towns.
Use platforms like Buy theBlock or Blackland Ownership
Facebook groups, action steps.
Choose one food item to growthis week, even if it's just
basil in a jar.
(21:06):
Build a spiritual first aid kitand add one new herb.
Monthly Research one to twoland options within 100 miles of
you.
Start a folder, start a dreamhow to teach our kids so they
never panic.
We're not just preparing forsurvival.
We're preparing our legacy tothrive, and that means educating
(21:27):
our children early.
We're preparing our legacy tothrive and that means educating
our children early, often andintentionally.
Money, power and opportunityshould never feel like foreign
concepts to them.
The earlier our children areexposed to financial wisdom, the
deeper it roots in theirconsciousness and the more
naturally they step intoleadership in every room they
enter.
Let's be real Many of us werenot taught this.
(21:51):
We learned through crisis,through loss, through
embarrassment.
We found out what a creditscore was when it was already
ruined.
We learned about taxes fromgetting hit with a fine.
We learned about savings thefirst time the lights were cut
off.
But that cycle ends now Startearly.
Speak real.
Children are more capable thanwe think.
(22:13):
You don't have to wait untilthey're in high school to
introduce them to money.
By age five, they canunderstand that money comes from
effort.
By age 10, they can budgetallowance.
By age 13, they can start aside hustle.
Let them sit in on familyfinance talks.
Let them count grocery money.
Let them sit in on familyfinance talks.
Let them count grocery money.
Let them plan meals with a $20budget.
(22:34):
Give them the chance to feelempowered instead of anxious
Tools for financial education.
By age Ages 3 to 7, use threejars Spend, save, share.
Teach them to divide any moneythey receive.
Ages 8 to 12, open a youthsavings account.
Use apps like go henry,greenlight or famzu for digital
(22:54):
guidance.
Ages 13 to 17 let them manage areal debit card with
limitations.
Teach them about compoundinterest fees and scams.
Ages 18 plus guide them throughtheir first credit card,
student loans, taxes and jobcontracts.
Recommended books RaisingFinancially Confident Kids by
(23:16):
Mary Hunt.
I Am Net Worthy by Chris SmithMoney as you Grow Free.
Pdf from the CFPB Girl CEO andside hustle.
Great for entrepreneurial teens.
Make it a rite of passage.
What if we made financialliteracy part of our cultural
initiation, a celebration ofgrowing into self-responsibility
(23:38):
?
Imagine a 13th birthday where,instead of just gifts, they
receive a checking account, ajournal of affirmations and
their first business license.
That's power.
Create a ceremony.
Have elders give money advice.
Let youth make a money goal andshare it aloud.
Gift them a piggy bank, awallet or a cash envelope system
(23:58):
.
Mental and emotional awareness.
Children absorb our moneystress.
If you're anxious about bills,they can feel it even if you
don't say it.
That's why it's vital to modelcalm, conscious conversations.
Replace we're broke with.
This week is a savings week.
Instead of we can't afford thattry, we're choosing to invest
(24:20):
in something bigger.
Normalize, saying no withoutshame, talking about income,
investing and legacy,celebrating saving just as much
as spending.
Cultural empowerment.
Thank you, bankers and bosses.
(24:48):
By blood, action steps.
Host a kid wealth night.
Let each child present onemoney idea.
Create a family money missionstatement and post it on the
fridge.
Give them a monthly moneyjournal prompt.
What does wealth mean to methis month?
Spiritual wealth is the root ofall abundance.
Let's be honest there is nosuch thing as true wealth
(25:10):
without spiritual alignment.
You can have millions and stillfeel empty.
You can hit every money goaland still walk around
spiritually bankrupt.
For us, as a people, prosperityis a holistic state.
It touches the soul, the heart,the ancestors and the bank
account, and when those thingsare out of balance, we feel it
deeply.
We have to teach and practicethat wealth is not just what you
(25:33):
earn.
It's what you radiate, what youprotect and what you nurture
within Soul currency.
What are you really spending?
Money is just one form ofenergy.
You spend your energy every dayon people, problems, platforms
and patterns.
Ask yourself are you investingyour energy in things that give
(25:55):
you peace and purpose, or areyou pouring into people in
places that only leave youdrained?
Every budget needs a spiritualaudit.
Where's your energy going?
What are you tithing toemotionally?
Are you hoarding out of fear orcirculating out of faith?
Spiritual affirmation Icirculate wealth with wisdom.
I give and receive in balance.
My soul is my most valuableasset.
(26:18):
Energetic debt is real, justlike financial debt.
Spiritual debt weighs you downEvery time you suppress your
intuition, betray your valuesfor a paycheck or ignore your
healing path.
You accrue debt and it shows upin your money Delayed payments,
lost opportunities, chaos inyour finances.
(26:38):
But here's the good newsSpiritual debt can be cleared
with intention, prayer, ritualand truth-telling.
Start with a cleansing bathwith Florida water, sea salt and
hyssop Journaling.
What money patterns have Iinherited?
What am I ready to release?
Setting up an ancestor altar toask for guidance in restoring
(26:59):
alignment?
Rituals for abundance?
Rituals are not superstition.
They are structure for yourspirit.
They ground your money goals inancestral wisdom and divine
energy.
Try this On Fridays light agreen or gold candle.
Speak your financial intentionsaloud, place coins and fresh
(27:19):
water on your altar.
Give thanks in advance Bonus.
Play music that elevates yourvibration Jazz, soul, spirituals
or 432 hertz frequencies.
Meditate with money.
Sit with your wallet, your bankstatement or your coins.
(27:40):
Breathe deeply.
Don't judge the numbers, justspeak truth.
This is where I am, but notwhere I'll stay.
I bless this account.
I bless this journey.
The goal is to remove shame andinfuse your finances with grace
.
You don't manifest from anxiety.
You manifest from alignment,collective abundance.
(28:00):
Your spiritual wealth alsoincludes your community.
Are you sharing wisdom?
Are you showing up for otherswith love?
Are you creating space for joy,not just hustle your blessings.
Multiply when they pass throughmore than one set of hands.
Host spiritual wealth circles,share abundance rituals, pray
over each other's businesses.
This is how Black Wall Streetgets rebuilt.
(28:22):
Soul first, system secondEmotional signs You're in
alignment.
You feel peace when you checkyour bank account, even if it's
not where you want it.
You feel proud of how youmanage your income.
You give without resentment andreceive without guilt.
Action steps Create a simplewealth altar this week A candle,
(28:44):
a crystal like pyrite orcitrine, a glass of water and an
intention.
Commit to one abundance ritualevery Friday for the next month.
Write a spiritual money mantraand repeat it daily.
In conclusion, how it all tiesto relationships.
Let's bring it full circle.
Family, because here's thetruth Money without connection
(29:06):
is just numbers, wealth withoutlove is just noise, and all the
stacking, saving and investingin the world won't mean a thing
if the relationships in yourlife are broken, imbalanced or
burdened by silence.
When you align your financeswith your values, your
relationships naturally shift,because money isn't neutral.
It carries emotion, intention,trauma and legacy.
(29:29):
If you and your partner can'ttalk about money without
fighting, that's not a budgetissue.
It's a communication wound.
If you feel pressure tofinancially rescue everyone
around you, that's notgenerosity, it's emotional debt.
And if you hide your moneyhabits from your loved ones out
of fear or shame, that's notprivacy, it's spiritual
isolation.
Let's heal that.
Budgeting is intimacy.
(29:51):
Sitting down with your partner,your parent or your child and
laying the numbers out on thetable takes courage, but it also
builds trust.
It says I want us to succeedtogether.
Create a ritual around yourmoney talks, tea, candles, music
.
Make it gentle, make it aregular check-in.
Budgeting together should feellike goal setting, not
(30:14):
punishment.
Financial transparency isemotional safety, whether it's a
friendship, a romanticrelationship or a business
partnership.
Money boundaries matter.
Learn how to say that's not inmy plan right now.
I want to contribute, but let'sfind another way.
I need to take care of my ownfinancial healing first.
(30:36):
Clarity is kindness and yourpeace is not up for negotiation.
Legacy is love.
When you teach your family howto save, invest, budget and
protect themselves, you areloving them in advance.
You are planting freedom insoil.
They haven't even walked on yet.
You are becoming the ancestorthey will one day thank so.
(30:59):
Make it sacred.
Host a wealth circle with yourpartner.
Have money Sundays with yourkids.
Share your financial story withyour elders.
Replace secrecy with strategy.
Replace shame with soul.
Final reflection Ask yourselfwhat story do I want my finances
to tell about my life?
What do I want my loved ones tofeel when they think about how
(31:21):
I move through this season?
Write that story now.
Final action steps Schedule arelationship Money reset
conversation this week.
Make it loving, notconfrontational.
Choose a shared goal withsomeone you care about and
create a 30-day financial actionplan.
Speak these words over yourhousehold we are divinely
(31:42):
provided for.
We build together, we risetogether Because, in the end,
money isn't just about dollars.
It's about devotion.
It's about building homes,hearts and futures that hold us
safely.
Let this episode Thank you,thank you, you.
Popular Podcasts
On Purpose with Jay Shetty
Iām Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and Iām so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood youāre able to deal with relationship struggles, work challenges and lifeās ups and downs with more ease and grace. I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them weāve never seen before. New episodes every Monday and Friday. Your support means the world to me and I donāt take it for granted ā click the follow button and leave a review to help us spread the love with On Purpose. I canāt wait for you to listen to your first or 500th episode!
The Breakfast Club
The World's Most Dangerous Morning Show, The Breakfast Club, With DJ Envy And Charlamagne Tha God!
The Joe Rogan Experience
The official podcast of comedian Joe Rogan.