Staying in the Black

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 h...

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 m...

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...

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 he...

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 retir...

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 Stay...

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 Set the goal Identify check-ins (weekly, monthly, quarterly) Utilize tracker (color-in sheet, spreadsheet, calendar)    Identify celebration (words of affirmation, a treat, activity)   Ms. Black, the host of Staying in...

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...

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:...

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) Deb...

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 ed...

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: Define What Wealth Means to You  Declutter Your Life  Invest in Relationships, Not Things Create Daily Wealth Rituals  Learning the Art of Savoring  And provides a frame...

In this episode, Ms. Black reviews the book, Happy Spending: The Science of Happier Spending by Elizabeth Dunn & Michael Norton.  Here are the principles: Buy Experiences Make It a Treat Buy Time Pay now, Consume Later 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 f...

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...

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-sc...

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 reti...

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 pub...

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 bei...

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: Web...

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:...

After a seven month hiatus Ms. Black is back! She shares what she's been up to and why she's been missing in action. Ms. Black  is excited to get back to podcasting, sharing personal finance information, book reviews and action steps.   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 a...

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 $...

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...

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...

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 acc...