Episode Transcript
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Speaker 1 (00:00):
Hello, hello and
welcome back to the Mindfully
Rich podcast, your weekly lookat life and finances with a
twist, where we talk aboutimproving your overall
relationship with money andbuilding better financial habits
.
On each episode, I'll discussreal life situations and give
y'all practical advice.
The point of this podcast is tohelp you stay in your financial
lane so you won't end up broke.
(00:22):
I'm the creator and host, ginaRitchie Richardson.
Now let's jump into today'sconversation.
What's up y'all?
We back, we back, and it isweek five of Consistency, might
I add, for everybody.
That's counting.
Okay, I know I'm counting.
Okay, y'all don't have to bebecause I'm excited.
(00:42):
This season.
Your girl got that fire.
I am ready to talk.
I have been gone.
Here is my story.
That's what I'm on this season.
Of course, I always got tostart with gratitude.
I am so grateful and thankfulthat I have y'all as my rich
gang, as my listeners, becausey'all are sharing these episodes
(01:03):
far and wide.
I know because I look at thestats like who I know over there
?
Okay, I know, I don't know them.
I know you know them.
Thank you for spreading theword.
This is a one woman team overhere.
We're going to build this up,okay, so keep me in your prayers
.
Okay, but one woman team rightnow.
So thank y'all so much forsharing these episodes far and
wide.
Word of mouth is the biggest waythat people buy, listen, do any
(01:29):
of the things that they'redoing in life.
When you're looking forsomething and somebody tells you
about it and you're like, oh, Ishould go get what, then you go
buy it.
Or if someone says, go listento this, that's when you go
listen.
So that's the reason why I'malways staying on this Like
y'all, make sure you are sharing.
You never know who needs theseepisodes.
And, speaking of these episodes, the last series that I did,
(01:50):
man, if y'all haven't listenedto all four parts of that, it
was really good, it was reallydeep, it was very therapeutic
for me, just because in theopening I always talk about ways
so that you don't end up broke.
I wanted this podcast to be away to keep you in the financial
know, to keep you up on yourmoney management, to keep you on
(02:13):
point financially right, butthere are times, financially,
where you just going through it,and one thing that I did my
homework on was going back andlooking at all of the episodes
that I've done and looking atthe episodes that have the most
listens, and a lot of thoselistens come on those episodes
where I'm talking about yourrebuilding or talking about
(02:35):
turning around, talking aboutwhen you're in times of
transition.
So I said you know what,especially since I'm going
through my own time oftransition?
I'm going through my own timewhere I am trying to reclaim and
build myself back up, build abetter foundation so I can build
myself higher.
I said I have to talk aboutthese things because I know if
(02:55):
I'm going through this, there'ssomeone that's also going
through this, going throughsomething similar.
They're at a different stage ofit.
I need to bring notice to itbecause this is life.
Life ain't just going to be thegood times, unfortunately.
I'm old enough to know that.
Y'all old enough to know thatthat there are going to be times
where we got to be in ourbuilding season and a lot of
(03:17):
people are there.
There is a lot going oneconomically, financially, for
people right now, and I want tomake sure that I'm being that
voice, that I am keeping my earto the ground, that I am
continuing and maintaining myrealness and talking to y'all
about the topics that may feeluncomfortable, but we still need
to get them out, becauseawareness is key, and I talked
(03:39):
about that in the last episode,where I talked about you have to
not only be aware, but you haveto be accepting of the
situation that you're in, sothat you can move past this, so
that you can get to the nextstage, so you can build yourself
up, so you can get to that next.
What is the ladder call?
What's the things on the laddercall?
I don't know, but you can go upthe ladder child.
(04:06):
I don't know.
I don't know what it's called.
So I want to make sure that I'mcontinuing to do that and I'm
going to always be that voicefor that.
So I want to make sure that Iam saying thank you, thank you,
thank you to everyone forlistening, thank you for all the
DMs, thank you for reaching out, thank you for sharing with me
how these episodes have impactedyou.
And while you're sharing itwith me, share it out loud,
(04:27):
share it out loud on your socialmedia, tag me in it, put it out
there to the world so that theycan know, so that they can
listen, and I appreciate all ofy'all in advance for doing so.
And so I want to go ahead andrecap last week's episode.
So it was from financiallyhealthy to vulnerable, and I was
talking about understanding thephases of your financial
(04:49):
wellness, understanding thatthere are different stages that
we can be in.
And I mentioned beingfinancially healthy, which is
the stage that we all want to bein.
Being financially coping, whichis a stage where you're in that
paycheck to paycheck mode Can'tnothing go wrong because you
got just enough to get by.
And then also being financiallyvulnerable, where you don't
(05:11):
have it.
You may be trying to live offyour savings.
You may be in a situation whereyou don't have enough money
coming in.
You can't pay all of your bills.
It's not a good time.
And I wanted to talk aboutthose different stages because
financial wellness is a spectrum.
We have our times where thingsare good.
We're going to have those timeswhere things are a little shaky
.
We're going to have those timeswhere things are challenged.
(05:34):
It's just a thing that happensin our life.
It's something that also canhappen in our finances and I
broke that down pretty well inthat series along within that
episode.
So if you haven't listened tothose, after this one you
already know what to do.
Go ahead and go back and, onceagain, share, share, share.
Social media shares.
I'm here for those.
(05:55):
The Facebook, twitter, oh, whatis it called?
Now, x?
I don't think people be sharingreal stuff on X, no more.
I think they just be talkingChild, instagram, tiktok,
wherever it is that you atSnapchat, for those of y'all
that still on it, wherever youat, share it, share it, share it
.
Okay.
So let's go ahead and move intoour mindful money moment.
So, ahead and move into ourmindful money moment.
(06:16):
So I know, for the last fourweeks it has been, we've been on
it Like I've been on next, okay.
So I decided to lighten the moodthis week.
I wanted to talk aboutsomething happy, something that
could bring you joy, and I wanty'all to make sure that you tell
me wait, I can't say it now,cause now I'm getting ahead of
myself.
Anyways, I'm gonna tell y'allin the end.
(06:37):
I'm going to tell y'all in theend.
I'm going to tell y'all in theend Moving on, moving into the
mindful money moment, becauseI'm so excited because I get to
talk about something that's morejoyful today, and so this week
I do got a song, okay, cashingout, okay.
I don't know if y'all rememberthat song, but that used to be
my song.
It's still on the playlist butI don't listen to it as much as
I used to.
But the reason why I called thecashing out?
Because I want to talk to y'allabout how you can claim your
(07:01):
unclaimed money from your state.
I know that that is a longtitle.
That's all I know how to do.
I talk a long time.
That's it.
I use a lot of words.
That's just where I'm at, okay.
So, like I just said, I amsuper excited to talk to y'all
about how you can claimunclaimed money and property
that your states hold.
(07:22):
So a lot of y'all may not evenbe aware that there are websites
designated to your state'sTreasury Department of Revenue,
owed money from, say, afinancial institution like a
bank or a credit union, aninsurance company.
If you have rents or depositsthat you've paid or overpaid and
(07:43):
they need to get the money toyou.
If, say, walmart, target,somebody, if anybody owes you
money in that particular state,there is a website that you can
go to for your state and you canlook up your name, your address
and you can find monies thatare owed to you.
(08:04):
I know y'all are sitting therelooking like you can.
You absolutely can.
I got money owed to me rightnow and I check this thing every
year just because you don'tknow if you're owed those money,
if somebody had you overpaysomething, and I'll always be
thinking inside my head I know Ipaid this, but it be those
times where you know you paidthis, you overpaid, and then now
(08:24):
they have to give that money toyour state's treasurers
Department of Revenue so thatthey can get that money back to
you.
So you can go on the website.
So this is just the generalwebsite.
It's wwwunclaimedorg.
You can go to your state's linkfrom there.
You don't have to do all that.
I want you these are the steps,because this episode is going
(08:46):
to be kind of light.
I'm just talking to you becauseit's not really too step by
ste-steppy, we don't have tomake it into that.
I'll say and of course you canjust go back, rewind, go listen
to what I just said, so that youcan get your money.
I want you to Google your stateand put in your state unclaimed
(09:07):
money and property.
The link should pop up.
If it don't pop up for somereason even though I didn't try
it for everybody's state you cango to wwwunclaimedorg but
Google your state, say unclaimedmoney and property.
You can put treasury, whateverkeywords that you want to put in
there, and it should bringeverything up.
It's going to tell you aboutthe site, what it is, how you do
(09:30):
it and what you're doing isyou're trying to find a match.
So the one thing that I can sayis, when you get on this page
and you're entering yourinformation, sometimes your name
may be misspelled.
You're going to have to put indifferent addresses of where you
live just in case they misssomething, because I went on
there and my address was wrong.
(09:51):
My name was spelled wrong, likemy real name is spelled with an
E and some people spell it witha U.
I have no idea where they gotthat from, but your name may be
misspelled.
So you want to make sure thatwhen you are entering your
information, you're putting itin there different ways.
Put your name in there, putyour middle name in there, put
different addresses that you'velived in in that particular
state, so that way you can findyour money.
(10:12):
And what you're doing is you'rechecking for those matches and
you're looking for your payouts,and one thing that they do they
let you know is this under ahundred dollars, is it over a
hundred dollars, like y'all mayfind some money money.
I went on there for my state andalso all of the states that
I've lived in.
I grew up in Chicago in thestate of Illinois, looked up
(10:34):
Illinois first, cause I'm like Iain't been looking for no money
here in forever, so looked upmoney there first.
I've also lived in Florida.
I've lived in Mississippi.
I lived wait, where I'm tryingto go with that.
California.
I'm like, wait, where else Ilive.
I was sitting here thinkingabout it Like, oh, was there
another one Like I?
I thought I had like a runninglist and that was the end of the
(10:56):
list.
So I felt a little salty onthat one.
But I look in all of thoseStates and all I did was Google
that States unclaimed money andproperty.
So Texas unclaimed money andproperty.
Illinois unclaimed money andproperty.
Mississippi Y'all get what I'msaying.
Sometimes you just got to.
You know everybody listening.
You all want to make sureeverybody get it, okay.
(11:16):
So you want to make sure thatyou are Googling that and you
are getting on those sitesputting in your information.
Remember you're putting in yourname, you're putting in middle
names.
You know doing differentvariations.
You're doing that along withyour addresses.
Addresses is key because itcould be a different address and
they may even have the addressmisspelled because other people
(11:40):
that's what I wanted to keep youin mind of other people have
your same name.
They may not have the sameexact spelling of the name or
the same exact middle name orany of those things, but you
have to make sure that you'relooking at the name, you're
looking at the address andmaking sure that you are linking
it to yourself.
It may be.
I'm going to give you anotherexample.
(12:00):
I had money that was linked tomy grandma house because I lived
at my grandmother's house, soit may be an address that you're
associated with as well.
The reason why I'm tellingy'all about this is because
there is too much money that theDepartment of Revenue for your
state has and you want to makesure that you are getting all
(12:21):
your coins.
Okay, I've been talking abouthard times for the last four
weeks.
I am talking about some goodtimes.
Right now.
I want you to make sure you aregoing to cash out and go find
your money, and I am telling youthe way to do it.
Do not pass this episode up.
This is the episode that yousend to everybody, because
(12:42):
everybody needs to find theirmoney.
So I want to go over that onceagain.
I want y'all to go to yourstate's unclaimed money and
property.
Just put in the state.
Put in unclaimed money,property, whatever other
keywords you want.
This is money that is owed toyou.
Once again, these monies areofficial money.
This ain't a scam.
This is official money that iscoming to you from a bank
(13:05):
account that you may have had,insurance that you may have had.
You may have been owed a refundfrom, say, a department store,
a company, a renter, whoever itis that you pay, who you may be
owed a refund from, everybody isobligated to give those funds
to your state's treasuryDepartment of Revenue so that
(13:30):
they can get those monies backto you.
And what am I doing?
I am being an angel of the Lordand I am telling you how you
can reclaim your money.
Okay, that is what I am doingand it's free, and I would
encourage y'all to check forunclaimed money and property
every single year.
Put like something in yourcalendar.
(13:51):
Each year on your birthday,check for this money because,
child, I don't know if y'allknow this, but there is nearly
49 billion in unclaimed moneyand property all across the US
49 billion.
I want y'all to be a part ofthat number and get your money
back.
Your money is waiting for you,okay, so make sure y'all are
(14:13):
checking that and, like I said,set a reminder each year so that
you can check the money andmake sure you're checking every
state that you lived in.
I just told y'all it is 49billion in unclaimed money and
property out there waiting fory'all.
So make sure that you go andtell your family and friends,
send them this episode and theny'all put it on y'all social
media so other people can do ittoo.
(14:33):
Okay, I think I've made myselfvery clear this episode.
All right, y'all, this is ashort one because I didn't gave
y'all a long one child.
That's it.
That's it.
Go get your money.
I want y'all to tell me aboutthe money that you was able to
claim.
Put it on your socials, leteverybody know, especially if
(14:58):
it's a big amount, because Iwant to see how much y'all
claiming of this 49 billion.
Okay, all right.
So before we get out of here, Iam booking new clients for
September and October, so y'allcheck me out on.
I am mindfullyrichcom If youwant to get your consultation,
see if we are matched.
Your girl would love to get youstraight.
I've been talking a lot aboutgetting you on your way in your
finances, so hit me up.
I am mindfullyrichcom.
All of the information on howto work with me is there.
(15:21):
If you would like to book me tospeak to your audience, your
church, your business, whomeverit is, let's get to work.
Let's get a plan together.
Let's figure out how we can getsome financial wellness
initiatives going for y'all andyour girl love hosting, so check
me out, okay.
So I am mindfully richcom iswhere you can find all of that
(15:42):
information on how you can workwith me.
And in the words of my favoriteYouTuber, funky Donnieva,
that's all I got and got no more.
And until next time when I hity'all with another one.