Staying in the Black

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

June 13, 2025 21 mins

Ms. Black shares some of the financial decisions regarding her 50th Birthday celebration. The episode was recorded in Morocco. Listen and start planning your next celebration. 

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 re...

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In this episode, Ms. Black talks about teaching young adult children intentional money lessons.

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...

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May 30, 2025 16 mins

In this episode, Ms. Black talks about steps to take in a recession. Although she does not believe in causing financial fear she's received several calls about recession concerns and decided to record an episode.  

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...

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May 23, 2025 38 mins

In this episode, Ms. Black reviews Feel Good Finance by Aja Evans. This book has the most impact on Ms. Black current practice. She has even purchased a hard copy of the book.

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 ret...

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May 16, 2025 20 mins

In this episode, Ms. Black shares why you should be intentional about where you spend your money and she is participating in a boycott.  

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.

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In this episode, Ms. Black reviews Money Out Loud: All the Financial Stuff No One Taught Us by Berna Anat.

Book reviewed 

Money Out Loud by Berna Anat 

Other Books Mentioned
Girl, Get Your Money Straight by Glinda Bridgforth

Mind Over Money by Brad Klontz

Success Runs in Our Race by George Fraser

Zero Debt by Lynnette Khalfani-Cox

Get Good with Money by Tiffany Aliche 

Ms. Black, the host of ...

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April 25, 2025 19 mins

In this episode, Ms Black discusses the importance of celebrating all financial wins, She shared how to schedule in you celebrations for saving and debt reduction.

Celebration Steps

  1. Set the goal
  2. Identify check-ins (weekly, monthly, quarterly)
  3. Utilize tracker (color-in sheet, spreadsheet, calendar)   
  4. Identify celebration (words of affirmation, a treat, activity)  


Ms. Black, the host of Staying in the Black, is a single mom...

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April 18, 2025 16 mins

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://w...

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April 11, 2025 26 mins

In this episode Ms. Black gives a update on Runway to Retirement.

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://www.staying...

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This episode kicks-off  Financial Literacy Month! 

Ms. Black reviews the 8 Keys for Financial Empowerment

Budgeting-tracking your spending allows you to see where your money is going and identify areas where you can save

Savings- is the first step in building wealth an Emergency Fund stops you from blowing your budget. You can then various savings buckets (i.e. new car, gifting, maintenance)

Debt- deceasing and eliminating debt allows ...

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In this episode, Ms. Black reviews Happy Mind, Happy Life by Dr. Ragan Chatterjee. This book provides you the research behind happiness and exercises to improve your happiness.  

Book: Happy Mind, Happy Life: The New Science of Mental Well Being 

Podcast: Feel Better, Live More with Dr. Rangan Chatterjee


Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two proper...

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March 21, 2025 29 mins

In this episode Ms. Black discusses the definition of wealth and the importance of defining it for yourself. She shared a newsletter on Substack How to be Rich by Andrew Lokenauth including the steps he defined in Building Wealth:

  1. Define What Wealth Means to You 
  2. Declutter Your Life 
  3. Invest in Relationships, Not Things
  4. Create Daily Wealth Rituals
  5.  Learning the Art of Savoring 

And provides a frameworks for your wealth journey in...

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In this episode, Ms. Black reviews the book, Happy Spending: The Science of Happier Spending by Elizabeth Dunn & Michael Norton. 

Here are the principles:

  1. Buy Experiences
  2. Make It a Treat
  3. Buy Time
  4. Pay now, Consume Later
  5. Invest in Others  

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 ...

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March 7, 2025 18 mins

In this episode Ms. Black talks about deciding to retire. Her client that discover that they would earn more in retirement than they are making working decided to now! Ms. Black shares how her client made the decision and things you may want to consider when making you decision, beyond finances. 

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...

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February 21, 2025 21 mins

In this episode, Ms. Black speaks about teaching financial literacy to students and provides resources.

Next Generation Personal Financer: https://www.ngpf.org/

FDIC Money Smart for Young People: https://www.fdic.gov/consumer-resource-center/money-smart-young-people

Pockets Change: https://www.pocketschange.com/

Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two ...

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February 14, 2025 24 mins

In this episode Ms. Black share how and why she'd joined the credit points game, the pros, cons, and challenges of the points game.  

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.<...

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February 7, 2025 24 mins

In this episode, Ms. Black speak about personal finance is personal. She shares how everyone financial journey is unique and the purpose the podcast is to she her journey so that you can learn and hear different perspectives.  She encourages you to take what you need from different resources and make them your own.   

Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns...

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January 31, 2025 22 mins

In this episode, Ms. Black share the story of one her clients and their F.E.A.R. of retiring. Once they did the clients retirement math they discovered they would make more money in retirement!

F-False 

E-Evidence 

A-Appearing 

R-Real

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 travelin...

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January 24, 2025 15 mins

In this episode Ms. Black gives a update on 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://www.s...

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January 17, 2025 33 mins

In this episode Ms. Black gives a update on Runway to Retirement.

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://www.staying...

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