May 15, 2025 • 16 mins
In this special episode of Money Talk With Tiff, host Tiffany Grant sits down with Petra-Ann Brown, the host of Island Money365, to talk about money habits, cultural expectations, and financial challenges facing people with Caribbean backgrounds—especially when navigating life and family expectations between the islands and the U.S.
Check out the full episode show notes: https://moneytalkwitht.com/podcast-show-notes/navigating-family-expectations/
Takeaways
- In Caribbean culture, it's common to live multi-generationally, with families supporting each other financially and emotionally.
- Expectations for financial support from children in Caribbean families can be very different than in the States.
- Be honest with your family back home about your financial situation to manage expectations effectively.
- Establish clear financial plans for supporting family members back home to avoid misunderstandings.
- It's essential to verify that funds sent home are used for their intended purpose, especially when building homes.
- Community support in Caribbean cultures is strong, often leading to a more interconnected relationship with neighbors compared to American norms.
Connect With Petra-Ann
Website: brownfinancialsolutions.com
Instagram: @islandmoney365
Podcast: Island Money365 (available on Spotify, Apple Podcasts, Amazon Music, iHeartRadio, and YouTube)
Connect with Tiffany
Website: moneytalkwitht.com
Social: @MoneyTalkWithT on all platforms
Copyright 2025 Tiffany Grant
This podcast uses the following third-party services for analysis:
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OP3 - https://op3.dev/privacy
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:01):
You know what it is?
That's right.
It's time to talk money withyour money nerd and financial coach.
Now tighten those pursestrings and open those ears.
It's the Money Talk with Tiff podcast.
Hey, everyone.
I'm so excited because I havePetra Ann on the line and she is
the host of Island Money365.
(00:22):
And I wanted to bring her onto talk about what island money looks
like being from a Caribbean background.
So.
Hey, Petra.
And how are you?
I am great.
Thanks for having me.
So happy to be here finally.
I'm like.
I want.
I'm like, tiff, when are yougoing to have me on?
Seriously?
I'm kidding.
I'm kidding.
No, no, she's not.
She said that every week in mybook club.
(00:45):
Speaking of black businessbook club, definitely join us.
We have a ball.
But anyway, let's hop rightinto what we're here for today.
So from just me being here inJamaica, I see a few differences
in how money is treated whenit comes to Caribbean household.
So let's just dive into someof the things that are the same,
(01:08):
things that are different, andthen maybe some tips around how to
navigate, you know, those things.
So first and foremost, I'llsay what I've noticed is that in
the culture here, it's like,oh, you know, have kids so that way
they can take care of you later.
And I'm like, in the States,you on your own.
(01:30):
So talk to us a little about that.
Yes, that's something Irealized too, when I first migrated.
Like in Jamaica, everybodysleep on the same plot of land.
Like, boys go off, get marriedand they bring the girls home and
they just build another roomon the house, or they take pistol
in and build and, you know,build a home for themselves.
But, yes, I was always underthe impression that my father, my
(01:54):
mom is working and I'm gonnatake care of them.
It's just what it is, youknow, multi, multiple generation
living on this, on the sameland, in the same house.
You know, you heard theexpression just one room?
Does Bella.
One room, Tiff?
No, I haven't.
No, I said just below a room.
But, you know, but things arechanging a little bit.
(02:15):
I do see now when I returnhome and see family members that
they're building homes orthey're renting homes.
And that wasn't what it waswhen I, when I was there when I was
younger.
It was like, okay, here's yourhome and we do everything.
We.
We don't leave home unless,once again, you're married or you
bring in your.
Your spouse back home, and wejust, you know, add to the house
(02:36):
or take piece of plot of landand add to it.
That's us.
And I feel like that is agreat way to go because I feel like
just as people, like, as apeople, as black people, because
it was the same way even whenI was in Africa.
They have, like, compoundswhere the whole family stays, like,
in the same vicinity.
And then, you know, people getmarried, they just.
(02:59):
The spouse just moves in.
All the cousins are outsideplaying together.
When the lady that I wasstaying with, she cooked.
Everybody was like, oh, whatyou make?
And then people just grabbingfood, you know, it's just very community
oriented.
Exactly, exactly.
My grandmother, when I visitmy grandmother in Samarka, she's
on the.
Down that side of the island.
(03:19):
Salvo was Moreland.
She would like, take this toyour grandfather around the corner,
or take this to.
Take this to your uncle andjust talk about food.
You know, they cook and it just.
Everybody come eat from the pot.
My cousins who have a houseright next door, come over and eat.
It's just one communal thing.
So it's different here.
Here I cannot go to myneighbor and say, can I get a spot
spoon of flour, a cup offlour, a cup of sugar?
(03:40):
And that's really different, right?
Not at all.
And you know, I always jokeand I'm like, shoot.
I stayed at my house in theStates for like seven years, and
I only knew like a couple of neighbors.
And it was just that, hey, howyou doing?
All right, bye.
Like, it wasn't like here,like, before I hit record, I said,
oh, you know, my nose is alittle stuffy, and one of my neighbors
(04:04):
is going to get me some leafof life.
So that way my nose can unstuff.
And in the States, that wouldnever happen.
Like, people wouldn't evenknow you were sick, for instance.
Yeah, yeah, that's true.
And you know, I.
I'm happy you said that,because here, that is correct.
But in my neighborhood, right,I am different.
And you can see that I'mdifferent because I know everybody
(04:26):
in my neighborhood.
I make it upon a duty to know them.
They know me.
We have conversations whenwe're out there.
So.
But that's not the same amongthe other neighbors.
But, yeah, all the neighborsknow me because that's my experience
growing up.
I see everybody.
Good morning, you know, goodafternoon, good evening, you know,
and I'm walking, I see therest of.
We have a conversation and wekeep going.
So.
Yeah.
(04:46):
Yes, yes.
And another difference, INotice money related is kind of like
what you said.
Like, if it's a family house,everybody stays here until, you know,
you get married or somethinglike that.
And so I noticed that evenlike kids in their 30s and, you know,
it really doesn't matter.
The parents are like, okay,you know, until you're ready to fly,
(05:11):
like, yes, I'm gonna stilllook out.
So I feel like that's adifference too.
Yeah, they're not kicking you out.
Which I found very weird.
Like when I come here andpeople say, oh, when you're, when,
when you turn 18, I'm finished.
I'm like, what do you mean you finished?
I'm like, what do you mean?
And I've heard a lot of myfriends here say that, oh, yeah,
one year 18, I'm, I'm done.
(05:31):
My responsibility is finished.
I'm like, really?
Because, I mean, I havecousins and stuff still living at
home.
And you know, even thoughcareers and great jobs and they have
kids, like, we're still on thesame land, we're still there, you
know, So I don't, I don't get it.
It's a, it's a new concept to me.
(05:52):
But no, you can move away ifyou want.
And what's happening though,like, if people migrate to different
countries, that's alsoshifting the dynamic a little bit.
But for the most part,especially in the country, we, we're
still hanging out.
We're still hanging out withher in laws.
So hopefully if you're marriedinto the families, it's all good.
(06:12):
Right?
Right.
That's why I'm like, I gottafind me a Jamaican man to get married
to so I can have a wholeextended family.
Go to the.
Make you get one from the country.
Gotcha.
Hilarious.
So, okay, let's, let's back upa little bit though.
Yes.
Because the original pointthat I was making with, you know,
(06:36):
you're expected to take of your.
Yes, yes, yes, yes, yes.
Now, what if we have someonelistening and they're like, you know,
I'm from a Caribbeanbackground as well.
This is the expectation.
But I live in America and thisis not the reality.
Like, I don't know how I'mmaking ends meet on my own, let alone,
(06:56):
you know, sending money backto the island.
So, and I know you talk aboutthis all the time on your podcast.
What are some things that youcan think about to tell those people
out there listening like that?
Okay, this is a real challenge.
This is the real challenge.
That's more most of us havewhen we migrate, and especially for
A first generation, you know,that expectation of us.
(07:16):
And we are coming here andwe're still in a survival boat, right?
So in survival mode.
And you got to be honest, Itell them all that, even in my family,
I said, you have to be honestwith your family back home.
Do not give this image thatlife is great.
I mean, you come up here andyou go back home to visit and you're
bringing down so many suitcases.
You're sending down barrelsevery month.
(07:38):
You're dressing in like allname brands, knowing that you put
it on credit cards, you know,no, they probably took it a personal
loan.
Don't do it.
Be honest and say, look, timesare hard.
I am living in the basement ofsomebody's house.
I'm sleeping on the couch, orit's a tea of somebody house.
And I am making my way up tofinancial stability.
But this is where I'm at.
(07:58):
And you guys just got tounderstand right now, make a plan
if you know that's part of it, right?
Make a plan for yourself.
Say, okay, I know I need touplift myself and gain financial
stability here, but I make alife myself here.
But also, I want to alsouplift my family and their finance
and give them financialstability back home.
And you got to come up with a plan.
(08:19):
Say every quarter I'm going tosend them this amount of money and
let them know when I send itto you.
This is all I have so they canuse the resources that you're providing
them wisely.
And don't think it's going to forever.
Free flow.
People get things and theyjust give it out to neighbors and
say, oh, you know me.
Sunday Foreign.
It's all right, man.
We can't take care of you.
We can't give you.
(08:40):
No.
Your son is struggling,working 3, 4, 5 jobs to send you
that barrel or send you thatlittle change.
And I mean, not getting anysleep and sometimes I have to borrow
to send you those thingsbecause they know you're in need.
So you really make your familyunderstand the struggles that you're
in, the reality of it.
So they can really take careof the resources that you're sending
(09:02):
to them and see the full picture.
Right?
I love that because, you know,that's why we're here.
Money talk, right?
It's so important to be openand honest about your financial situation,
to kind of head off any issueslater down the road.
Because, you know, if you'reliving this facade and you know,
you're like, yeah, I'm inAmerica, I'm far and Wherever it
(09:23):
is, and I got it made andthings is good, then when you start
struggling, people still gonnahave their hand out, like, yeah.
And a big thing tiff is justlet your family know that a dollar
here is a dollar.
Wherever you are, wherever youmigrated to, a dollar is a dollar,
right?
They every time you send moneyback home, you' it right?
(09:43):
They can convert their moneyto their, like, oh, it's a lot of
money.
Here it's a dollar.
There's no conversion.
You know, so the value isdifferent, and they have to understand
that.
So they might think, oh, youmight be getting a good paycheck,
but that by the time youfinish with the expenses, what's
left over for you, right?
And then you got to send partof that back home with family and
(10:05):
live off that too.
So you have to be honest and upfront.
Yes, yes.
I love that tip.
Okay, what's one more tip?
Because we can't give it all away.
But what's one more tip thatyou can give anyone in the diaspora
when it comes to dealing withmoney and family expectations?
(10:26):
Oh, that's a good one.
That's another one.
I give you a lot of gems.
No, ask them what is it thatthey expect from you, Right?
We already know they expectyou to take care of them in their
old age.
Like, my mom, even though shelives here with me, we still have
that conversation was like, donot put me in a home.
(10:47):
Don't put me in a home.
Let's be clear.
Don't put me in a home.
And then when my mom, my momis living here, but my grandfather,
who passed, you know, a coupleyears ago, God bless, rest his soul,
my mom, when he got sick, hemama was sending money back home
to take care of him.
Now, this is something I wantto say, and it's another thing when
this, the big tip, when familymembers are telling you that your
(11:11):
grandparents, your parents are sick.
Right?
Sip, this is big.
Get some receipts.
Get some receipts.
Okay?
And I'm.
I'm not saying anything to say anything.
You can infer what you want toinfer, but I'm saying get some receipts
because.
And then decide if thetreatment is even necessary.
(11:32):
For example, you know, Mygrandfather was 90 in his early 90s.
93, 94.
And some things that they saida doctor want to do.
I'm like, that's not necessary.
He's 94.
Not saying, want to kill himoff, but you know, it.
But his quality of life wouldnot improve or it wouldn't even.
(11:53):
What, what, what is it doing?
Is it extending his life is,you know, it's making him comfortable,
like something's not necessary.
So I will say get receipts.
And then not only that, get sit.
They can talk to the doctors.
You know, it's not, it's not impossible.
You can set up a conversationto talk with the doctor and, and
the nurse staff and stuff like that.
So I will say make sure youknow exactly what's happening, what's
(12:15):
taking place.
And oh, another thing I knowsay talk about family, but if you
are living abroad and you wantto return back to your homeland and
you want to build a home,please make sure your money is actually
going to what it is that youare sending it to for and make sure
it's getting done.
Because I've seen a lot ofsituations where people thought they
(12:36):
were building a home and therewas no home, but yet they were sending
money weekly.
And family members are saying,oh, not family members.
I wouldn't say that allowed that.
The individuals that they putentrusted to get it done were saying,
oh, we need money for this, weneed this.
And then there was nothing there.
So those are the things I will advise.
Yes, yes, that's very Trustbut verify.
(12:58):
Yes, that's big because I'veheard so many horror stories from
different people that liveabroad and are trying to invest here
or trying to build residentshere, what have you.
And things just don't get donelike they thought it would.
And I actually thought, youknow, me and my business brain, I'm
like, oh, that might be abusiness for me.
(13:20):
It's just to make sure peopleget their stuff done and be like
the in between.
But anywho.
Yeah, okay.
Yeah, those are some awesome tips.
Now you have a podcast.
I know I mentioned it when wefirst got on it's Island Money365.
If you can just give ouraudience a little bit.
I know you talk about what wetalked about today, but what more
can they expect from thepodcast and how can they tune in?
(13:41):
Yes, it is on all platforms.
Well, let's say all.
It's on Spotify, I, Art radio,Apple podcast, Amazon Music, YouTube.
Yes, it's on those platforms.
But what we talk about, I liketo share the migration story of other
immigrants showing theirsuccess, their failures, their struggles.
Just tell the.
The real story of it.
And then what they're doingright now just to give back and how
(14:04):
they accomplish or reach theAmerican dream.
And the reason why that cameabout, because when I first moved
here, Tiff, is that everybodywas coming through and, and going
through the same struggle orSimilar struggle, right?
And I'm like, why don't wejust share with each other what we're
going through so we can say,hey, we book me two over there.
So.
Right, so don't go over there.
It's a big rock store over there.
(14:26):
There's a big rock.
So don't, don't, don't go over.
They're gonna buck your tour, but.
But everybody just keepeverything to themselves.
And I'm like, they're so scared.
I don't know what they'rescared of.
So I always ask mygrandmother, like, why don't we just
share and talk more?
My grandmother will be like afasting too fast.
And I'm like, no, I just wantto know why we can't open up and
tell each other her journey sothat we can say, it might not go,
(14:47):
and I happen the same way tous, but at least we're familiar and
we can, you know, navigate theterrain a little bit better.
So I just want to hear themigration story of other individuals,
their money stories and howthey make it happen.
Absolutely.
And I love that you are givingthat platform.
So like you said, we can alllearn from each other.
(15:07):
So thank you so much forjoining me today.
Now, if there's any way thatpeople can reach out to you, maybe
it's someone interested inlearning more about your journey
or what have you, where canthey find you other than the podcast?
Oh, yes.
Www.brownfinancialsolutions.com I'm
a financial educator as ourwonderful tifier.
(15:28):
Even though TIFF is lightyears ahead of me.
I love it.
I love it.
And I'm just thinking aboutand you can find me on Facebook,
Chrome, Financial Solutionsand Instagram Island Money365.
Yes, I love it.
Thank you so much for comingon the show and this was great.
(15:48):
And hopefully it can help someof those listeners that are struggling
with these types of situations.
Bye.
Thank you for listening,joining, and being a part of the
Money Talk with Tiff podcastthis week.
You can check Tiff out everyThursday for a new Money Talk podcast.
But if you just can't waituntil next week, you can listen to
previous podcastepisodes@moneytalkwitht.com or follow
(16:13):
TIFF on all social mediaplatforms at Money Talk with T.
Until next time.
Spend wise by spending lessthan you make.
A word to the money wise isalways sufficient.
You know what it is?
That's right.
It's time to talk money withyour money nerd and financial coach.
Now tighten those pursestrings and open those ears.
It's the Money Talk with Tiff podcast.
Hey, everyone.
I'm so excited because I havePetra Ann on the line and she is
the host of Island Money365.
(00:22):
And I wanted to bring her onto talk about what island money looks
like being from a Caribbean background.
So.
Hey, Petra.
And how are you?
I am great.
Thanks for having me.
So happy to be here finally.
I'm like.
I want.
I'm like, tiff, when are yougoing to have me on?
Seriously?
I'm kidding.
I'm kidding.
No, no, she's not.
She said that every week in mybook club.
(00:45):
Speaking of black businessbook club, definitely join us.
We have a ball.
But anyway, let's hop rightinto what we're here for today.
So from just me being here inJamaica, I see a few differences
in how money is treated whenit comes to Caribbean household.
So let's just dive into someof the things that are the same,
(01:08):
things that are different, andthen maybe some tips around how to
navigate, you know, those things.
So first and foremost, I'llsay what I've noticed is that in
the culture here, it's like,oh, you know, have kids so that way
they can take care of you later.
And I'm like, in the States,you on your own.
(01:30):
So talk to us a little about that.
Yes, that's something Irealized too, when I first migrated.
Like in Jamaica, everybodysleep on the same plot of land.
Like, boys go off, get marriedand they bring the girls home and
they just build another roomon the house, or they take pistol
in and build and, you know,build a home for themselves.
But, yes, I was always underthe impression that my father, my
(01:54):
mom is working and I'm gonnatake care of them.
It's just what it is, youknow, multi, multiple generation
living on this, on the sameland, in the same house.
You know, you heard theexpression just one room?
Does Bella.
One room, Tiff?
No, I haven't.
No, I said just below a room.
But, you know, but things arechanging a little bit.
(02:15):
I do see now when I returnhome and see family members that
they're building homes orthey're renting homes.
And that wasn't what it waswhen I, when I was there when I was
younger.
It was like, okay, here's yourhome and we do everything.
We.
We don't leave home unless,once again, you're married or you
bring in your.
Your spouse back home, and wejust, you know, add to the house
(02:36):
or take piece of plot of landand add to it.
That's us.
And I feel like that is agreat way to go because I feel like
just as people, like, as apeople, as black people, because
it was the same way even whenI was in Africa.
They have, like, compoundswhere the whole family stays, like,
in the same vicinity.
And then, you know, people getmarried, they just.
(02:59):
The spouse just moves in.
All the cousins are outsideplaying together.
When the lady that I wasstaying with, she cooked.
Everybody was like, oh, whatyou make?
And then people just grabbingfood, you know, it's just very community
oriented.
Exactly, exactly.
My grandmother, when I visitmy grandmother in Samarka, she's
on the.
Down that side of the island.
(03:19):
Salvo was Moreland.
She would like, take this toyour grandfather around the corner,
or take this to.
Take this to your uncle andjust talk about food.
You know, they cook and it just.
Everybody come eat from the pot.
My cousins who have a houseright next door, come over and eat.
It's just one communal thing.
So it's different here.
Here I cannot go to myneighbor and say, can I get a spot
spoon of flour, a cup offlour, a cup of sugar?
(03:40):
And that's really different, right?
Not at all.
And you know, I always jokeand I'm like, shoot.
I stayed at my house in theStates for like seven years, and
I only knew like a couple of neighbors.
And it was just that, hey, howyou doing?
All right, bye.
Like, it wasn't like here,like, before I hit record, I said,
oh, you know, my nose is alittle stuffy, and one of my neighbors
(04:04):
is going to get me some leafof life.
So that way my nose can unstuff.
And in the States, that wouldnever happen.
Like, people wouldn't evenknow you were sick, for instance.
Yeah, yeah, that's true.
And you know, I.
I'm happy you said that,because here, that is correct.
But in my neighborhood, right,I am different.
And you can see that I'mdifferent because I know everybody
(04:26):
in my neighborhood.
I make it upon a duty to know them.
They know me.
We have conversations whenwe're out there.
So.
But that's not the same amongthe other neighbors.
But, yeah, all the neighborsknow me because that's my experience
growing up.
I see everybody.
Good morning, you know, goodafternoon, good evening, you know,
and I'm walking, I see therest of.
We have a conversation and wekeep going.
So.
Yeah.
(04:46):
Yes, yes.
And another difference, INotice money related is kind of like
what you said.
Like, if it's a family house,everybody stays here until, you know,
you get married or somethinglike that.
And so I noticed that evenlike kids in their 30s and, you know,
it really doesn't matter.
The parents are like, okay,you know, until you're ready to fly,
(05:11):
like, yes, I'm gonna stilllook out.
So I feel like that's adifference too.
Yeah, they're not kicking you out.
Which I found very weird.
Like when I come here andpeople say, oh, when you're, when,
when you turn 18, I'm finished.
I'm like, what do you mean you finished?
I'm like, what do you mean?
And I've heard a lot of myfriends here say that, oh, yeah,
one year 18, I'm, I'm done.
(05:31):
My responsibility is finished.
I'm like, really?
Because, I mean, I havecousins and stuff still living at
home.
And you know, even thoughcareers and great jobs and they have
kids, like, we're still on thesame land, we're still there, you
know, So I don't, I don't get it.
It's a, it's a new concept to me.
(05:52):
But no, you can move away ifyou want.
And what's happening though,like, if people migrate to different
countries, that's alsoshifting the dynamic a little bit.
But for the most part,especially in the country, we, we're
still hanging out.
We're still hanging out withher in laws.
So hopefully if you're marriedinto the families, it's all good.
(06:12):
Right?
Right.
That's why I'm like, I gottafind me a Jamaican man to get married
to so I can have a wholeextended family.
Go to the.
Make you get one from the country.
Gotcha.
Hilarious.
So, okay, let's, let's back upa little bit though.
Yes.
Because the original pointthat I was making with, you know,
(06:36):
you're expected to take of your.
Yes, yes, yes, yes, yes.
Now, what if we have someonelistening and they're like, you know,
I'm from a Caribbeanbackground as well.
This is the expectation.
But I live in America and thisis not the reality.
Like, I don't know how I'mmaking ends meet on my own, let alone,
(06:56):
you know, sending money backto the island.
So, and I know you talk aboutthis all the time on your podcast.
What are some things that youcan think about to tell those people
out there listening like that?
Okay, this is a real challenge.
This is the real challenge.
That's more most of us havewhen we migrate, and especially for
A first generation, you know,that expectation of us.
(07:16):
And we are coming here andwe're still in a survival boat, right?
So in survival mode.
And you got to be honest, Itell them all that, even in my family,
I said, you have to be honestwith your family back home.
Do not give this image thatlife is great.
I mean, you come up here andyou go back home to visit and you're
bringing down so many suitcases.
You're sending down barrelsevery month.
(07:38):
You're dressing in like allname brands, knowing that you put
it on credit cards, you know,no, they probably took it a personal
loan.
Don't do it.
Be honest and say, look, timesare hard.
I am living in the basement ofsomebody's house.
I'm sleeping on the couch, orit's a tea of somebody house.
And I am making my way up tofinancial stability.
But this is where I'm at.
(07:58):
And you guys just got tounderstand right now, make a plan
if you know that's part of it, right?
Make a plan for yourself.
Say, okay, I know I need touplift myself and gain financial
stability here, but I make alife myself here.
But also, I want to alsouplift my family and their finance
and give them financialstability back home.
And you got to come up with a plan.
(08:19):
Say every quarter I'm going tosend them this amount of money and
let them know when I send itto you.
This is all I have so they canuse the resources that you're providing
them wisely.
And don't think it's going to forever.
Free flow.
People get things and theyjust give it out to neighbors and
say, oh, you know me.
Sunday Foreign.
It's all right, man.
We can't take care of you.
We can't give you.
(08:40):
No.
Your son is struggling,working 3, 4, 5 jobs to send you
that barrel or send you thatlittle change.
And I mean, not getting anysleep and sometimes I have to borrow
to send you those thingsbecause they know you're in need.
So you really make your familyunderstand the struggles that you're
in, the reality of it.
So they can really take careof the resources that you're sending
(09:02):
to them and see the full picture.
Right?
I love that because, you know,that's why we're here.
Money talk, right?
It's so important to be openand honest about your financial situation,
to kind of head off any issueslater down the road.
Because, you know, if you'reliving this facade and you know,
you're like, yeah, I'm inAmerica, I'm far and Wherever it
(09:23):
is, and I got it made andthings is good, then when you start
struggling, people still gonnahave their hand out, like, yeah.
And a big thing tiff is justlet your family know that a dollar
here is a dollar.
Wherever you are, wherever youmigrated to, a dollar is a dollar,
right?
They every time you send moneyback home, you' it right?
(09:43):
They can convert their moneyto their, like, oh, it's a lot of
money.
Here it's a dollar.
There's no conversion.
You know, so the value isdifferent, and they have to understand
that.
So they might think, oh, youmight be getting a good paycheck,
but that by the time youfinish with the expenses, what's
left over for you, right?
And then you got to send partof that back home with family and
(10:05):
live off that too.
So you have to be honest and upfront.
Yes, yes.
I love that tip.
Okay, what's one more tip?
Because we can't give it all away.
But what's one more tip thatyou can give anyone in the diaspora
when it comes to dealing withmoney and family expectations?
(10:26):
Oh, that's a good one.
That's another one.
I give you a lot of gems.
No, ask them what is it thatthey expect from you, Right?
We already know they expectyou to take care of them in their
old age.
Like, my mom, even though shelives here with me, we still have
that conversation was like, donot put me in a home.
(10:47):
Don't put me in a home.
Let's be clear.
Don't put me in a home.
And then when my mom, my momis living here, but my grandfather,
who passed, you know, a coupleyears ago, God bless, rest his soul,
my mom, when he got sick, hemama was sending money back home
to take care of him.
Now, this is something I wantto say, and it's another thing when
this, the big tip, when familymembers are telling you that your
(11:11):
grandparents, your parents are sick.
Right?
Sip, this is big.
Get some receipts.
Get some receipts.
Okay?
And I'm.
I'm not saying anything to say anything.
You can infer what you want toinfer, but I'm saying get some receipts
because.
And then decide if thetreatment is even necessary.
(11:32):
For example, you know, Mygrandfather was 90 in his early 90s.
93, 94.
And some things that they saida doctor want to do.
I'm like, that's not necessary.
He's 94.
Not saying, want to kill himoff, but you know, it.
But his quality of life wouldnot improve or it wouldn't even.
(11:53):
What, what, what is it doing?
Is it extending his life is,you know, it's making him comfortable,
like something's not necessary.
So I will say get receipts.
And then not only that, get sit.
They can talk to the doctors.
You know, it's not, it's not impossible.
You can set up a conversationto talk with the doctor and, and
the nurse staff and stuff like that.
So I will say make sure youknow exactly what's happening, what's
(12:15):
taking place.
And oh, another thing I knowsay talk about family, but if you
are living abroad and you wantto return back to your homeland and
you want to build a home,please make sure your money is actually
going to what it is that youare sending it to for and make sure
it's getting done.
Because I've seen a lot ofsituations where people thought they
(12:36):
were building a home and therewas no home, but yet they were sending
money weekly.
And family members are saying,oh, not family members.
I wouldn't say that allowed that.
The individuals that they putentrusted to get it done were saying,
oh, we need money for this, weneed this.
And then there was nothing there.
So those are the things I will advise.
Yes, yes, that's very Trustbut verify.
(12:58):
Yes, that's big because I'veheard so many horror stories from
different people that liveabroad and are trying to invest here
or trying to build residentshere, what have you.
And things just don't get donelike they thought it would.
And I actually thought, youknow, me and my business brain, I'm
like, oh, that might be abusiness for me.
(13:20):
It's just to make sure peopleget their stuff done and be like
the in between.
But anywho.
Yeah, okay.
Yeah, those are some awesome tips.
Now you have a podcast.
I know I mentioned it when wefirst got on it's Island Money365.
If you can just give ouraudience a little bit.
I know you talk about what wetalked about today, but what more
can they expect from thepodcast and how can they tune in?
(13:41):
Yes, it is on all platforms.
Well, let's say all.
It's on Spotify, I, Art radio,Apple podcast, Amazon Music, YouTube.
Yes, it's on those platforms.
But what we talk about, I liketo share the migration story of other
immigrants showing theirsuccess, their failures, their struggles.
Just tell the.
The real story of it.
And then what they're doingright now just to give back and how
(14:04):
they accomplish or reach theAmerican dream.
And the reason why that cameabout, because when I first moved
here, Tiff, is that everybodywas coming through and, and going
through the same struggle orSimilar struggle, right?
And I'm like, why don't wejust share with each other what we're
going through so we can say,hey, we book me two over there.
So.
Right, so don't go over there.
It's a big rock store over there.
(14:26):
There's a big rock.
So don't, don't, don't go over.
They're gonna buck your tour, but.
But everybody just keepeverything to themselves.
And I'm like, they're so scared.
I don't know what they'rescared of.
So I always ask mygrandmother, like, why don't we just
share and talk more?
My grandmother will be like afasting too fast.
And I'm like, no, I just wantto know why we can't open up and
tell each other her journey sothat we can say, it might not go,
(14:47):
and I happen the same way tous, but at least we're familiar and
we can, you know, navigate theterrain a little bit better.
So I just want to hear themigration story of other individuals,
their money stories and howthey make it happen.
Absolutely.
And I love that you are givingthat platform.
So like you said, we can alllearn from each other.
(15:07):
So thank you so much forjoining me today.
Now, if there's any way thatpeople can reach out to you, maybe
it's someone interested inlearning more about your journey
or what have you, where canthey find you other than the podcast?
Oh, yes.
Www.brownfinancialsolutions.com I'm
a financial educator as ourwonderful tifier.
(15:28):
Even though TIFF is lightyears ahead of me.
I love it.
I love it.
And I'm just thinking aboutand you can find me on Facebook,
Chrome, Financial Solutionsand Instagram Island Money365.
Yes, I love it.
Thank you so much for comingon the show and this was great.
(15:48):
And hopefully it can help someof those listeners that are struggling
with these types of situations.
Bye.
Thank you for listening,joining, and being a part of the
Money Talk with Tiff podcastthis week.
You can check Tiff out everyThursday for a new Money Talk podcast.
But if you just can't waituntil next week, you can listen to
previous podcastepisodes@moneytalkwitht.com or follow
(16:13):
TIFF on all social mediaplatforms at Money Talk with T.
Until next time.
Spend wise by spending lessthan you make.
A word to the money wise isalways sufficient.
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