Staying in the Black
Stay in the Black is dedicated helping teachers get their money straight and live their fullest life on a public servant salary Are you a teacher living check to check? Are you worried about your student loans? Can you afford to purchase a home? Can you afford to have children or send them to college? In this podcast we will cover pensions, student loans, side hustles and ways to maximize and expand your finances. We will also cover budgets, saving, credit and more! You will find information, interviews, book reviews and you will leave with action steps to help you Stay in the Black, for more go to stayingintheblk.com
Episodes
In this episode Ms, Black talks about the her car being totaled. She shares the whole process from police report to find a new - new-to-her (used) car.
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1M in her retirement...
In this episode Ms, Black reviews Tiny Habits by BJ Fogg. after reading Power of a Habit and Atomic Habits I think I found the book that helped me establish new habits or break undesirable habits.
Tiny Habits by BJ Fogg
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves...
In this episode Ms. Black evaluates the value of her professional and social memberships. Ask yourself the following questions to evaluate your memberships:
- Is the membership necessary/meaning to your life (work/networking)?
- Do you utilized the membership?
- Are you maximizing the benefits of the membership?
- What would happen if you didn't have the memebrship?
Ms. Black, the host of Staying in the Black, is a single mom, ho...
In this episode Ms. Black share how she's lost thousands of dollars in interest because she did not monitor the interest on her high yield savings account (HSYA). The lesson learned is to not only monitor the balance, deposits, and withdrawals. When comes to HYSAs you must also monitor the interest rate to ensure that you are getting the best rate.
It is important to monitor all financial account: savings, checking, ...
In this NYC episode Ms. Black discusses the raises that principals and managers received and the importance of being intentional about how you allocate your increase income. Consider your options, increase your retirement saving, investments, and/or increase debt repayment among many other things. Be wary of lifestyle creep.
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educato...
In this episode Ms. Black updates you on her Runway to Entrepreneurship.
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1M in her retirement accounts beyond her pension.
Learn more about Ms. Black:
Website: http://...
In this episode Ms. Black shares her 2023, 4th Quarter retirement account numbers. She shares two books that support her with her retirement mindset. Listen to her book reviews below.
Book Review: It's Not About the Money Brent Kessel
Book Review: Die with Zero by Bill Perkins
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two prope...
Ms. Black wants to know if she can afford to retire early so she consulted with two Certified Financial Planners (CFP). In this episode Ms. Black shares her experiences meeting with 2 CFPs. Find out what they advised her.
If you want to know how Ms. Black prepared to meet with the CFPs list to this episode: Preparing to meet with a CFP
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and publi...
In this episode Ms. Black discuss the importance of exploring side hustles and next chapter options. You may be interested in starting a side hustle or have an idea of what you want to do once you retired but have you truly explored the idea? Do you know the pro and cons? Do you know if you'll truly enjoy doing the job? Many times we fall in love with the idea of a certain job/position/title but don't know what the actua...
Ms. Black share the podcast highlights for 2023.
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $1 million in her retirement accounts beyond her pension.
Learn more about Ms. Black:
Website: http://www.stayingintheblk.c...
Happy New Year! In this episode Ms. Black talk about strategies for keeping your financial resolutions.
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.
Learn more...
Ms. Black celebrates the 3 year anniversary of the Staying in the Black Podcast!
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.
Learn more about Ms. Black:
Websit...
In the episode Ms. Black discusses why you may want to meet with a Certified Financial Planner (CFP) and how prepare to meet with a CFP.
Questions to Ask a Certified Financial Planner
Certified Financial Planner Documents Checklist
Certified Financial Planner Search: https://www.plannersearch.org/
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in ...
There are many sites online where professional appraisers or subject matter experts offer estimates on your items. Simply upload a photo and add descriptions. The site will typically respond within a week with a valuation of the item.
However, some items may have more value to you than others may be willing to pay for them. In this episode Ms. Black discusses the value of her 2008 Honda Accord EX-L and the "True Valu...
Step for successful gift giving:
- Set budget including taxes, shipping and handling
- Make a list, check twice
- Look for sale, promo code, use browsers plug-ins like honey
- Make purchases
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has ov...
Intuit is closing the Mint, budgeting app, as January 1, 2024. OMG! Ms. Black shares how you should go about identifying a replacement budgeting app and a list of potential replacements.
Ask yourself the following questions:
- Do I want a free app or can afford to pay for an app?
- What is my budgeting style (zero-based, envelop system, 50/30/20, spending plan, spreadsheet)?
- Do I want to connect my financial institutions, up...
In this episode Ms. Black reviews Build the Life You Want by Arthur C. Brooks and Oprah Winfrey
Build the Life You Want by Arthur C. Brooks and Oprah Winfrey
Take the PANAS quiz mention in the episode here.
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves...
In the episode Ms. Black discusses why is it essential to know your financial numbers. She discuss how four of her clients have been inspired meet their financial goal when learning their actual numbers. Use these numbers to meet whatever goals you set for yourself. You can earn more, spend less, or a combination of both to meet your goals faster. The choice is up to you.
Learn your numbers
Step 1: Track your spendi...
This a New York State/City specific episode. It addresses New York State/ City Tier VI retirement requirements and how they differ for from Tiers III/ IV.
Learn more about fixing Tier VI at https://fixtier6.org
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves trav...
In this episode Ms. Black reviews It’s Not About the Money: A Proven Path to Building Wealth and Living the Rich Life You Deserve by Scarlett Cochran, JD.
It’s Not About the Money: A Proven Path to Building Wealth and Living the Rich Life You Deserve
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away fr...
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