NevaBroke Podcast: Money Conversations

NevaBroke Episode 11: Love, Spirituality, & Finance - Healing from Money Traumas Featuring Toby C. Our perception about money can be rooted in our believe systems. Listen as we explore the intersections between spirituality and money, and learn how everything is connected. Guest Speaker Information: Toby Chukwura is a creative and content creator based in Atlanta, GA. His content focuses on educating people on spirituality, Africa and the diaspora, as well as fun comedy skits. He is truly amazing and a wealth of knowledge. To contact, follow, or support him, here are his social media accounts: Instagram: @tobychukwura; YouTube: The Toby Network Music Produced: Mike Rowland Please rate us on all platforms you listen to this podcast. Follow Us on all social media platforms: Instagram | Facebook | Twitter | YouTube | Website --- Support this podcast: https://anchor.fm/nevabroke/support

NevaBroke Episode 10: Growth is Worth the Cost - A Journey to Africa Featuring Sheilby M. There is so much power in having a budget, a plan, and the will to try something new. Sheilby M shares her experience of growth by traveling to several countries in Africa. We learn about a different style of economics and how community/collectiveness helps other people in a different culture. She also shares a little secret. This episode inspires me to pack my bags and get on the road.  Finance is more than just numbers, but it is about being able to create the life we desire. Remember we want people to live a life of abundance; however, you may describe it.  Guest Speaker Information: Sheilby M. is a photographer based in Oakland, CA and also an insurance broker. To contact, follow, or support her, here is her Instagram and website: Instagram: @sheilbs | Website: https://www.sheilby.com Music Produced: Mike Rowland Please rate us on all platforms you listen to this podcast. Follow Us on all social media platforms: Instagram | Facebook | Twitter | YouTube | Website --- Support this podcast: https://anchor.fm/nevabroke/support

Tyler Simone is the created of the Chicken Soup For The Baddies Soul Podcast where she focus discuss various lifestyle topics in a true and authentic way. We invited Tyler to our Podcast to discuss the navigating the romantic relationship world with the focus on finances. We cover topics like how to protect you assets, red flags, and why it is important to have money conversations. Click to listen to more. Tyler can be found on Instagram: @_tylersimone | Podcast Instagram You can also support her small business: here. Please rate us on all platforms you listen to this podcast. Follow Us on all social media platforms: Instagram | Facebook | Twitter | YouTube| Website --- Support this podcast: https://anchor.fm/nevabroke/support

Taking ownership of your financial life can feel scary and intimidating. I often get the question "Where do I start?" The answer to the question can be complicated and complex, but after meditating the first step to your journey is awareness. To learn about the steps I have outlined, listen to the episode. Please rate us on all platforms you listen to this podcast. Follow Us on all social media platforms: Instagram | Facebook | Twitter | YouTube | Website --- Support this podcast: https://anchor.fm/nevabroke/support

NevaBroke Episode 7: Financial Maturity Featuring Dylan A.  "Money is not personal but it can create a lot of personal problems," said Dylan A.  This episode we had the privilege to interview the founder of DA Speaks LLC, an organization designed to empower and help people through various mediums. We talked about Dylan's relationship with money, how trauma can impact our habits, and not being mature enough to handle resources. It is not enough to be financially literate but we must be in the right maturity level. Listen to learn more.  To support this small business or to connect with Dylan A. and his business click this link Instagram.  If you are a small business and would like to be featured on a episode, please fill out the form on our Instagram page.  To support this podcast, please share and leave a nice rating. It is highly appreciated. Nevabroke: Instagram | Facebook| Twitter | Website  Music Source I do not own the rights to the music used in this podcast. This song has been labeled royalty free. The produced/creditors are listed below: CFM Production https://www.youtube.com/CopyrightFree... provided by CFM: https://cfmfreemusic.com To use this free background music in your videos, you MUST credit our YouTube Channel in your video description or end credits! ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Mix & Master: Drumatised Contact producer: typebeatsig@gmail.com Instagram: https://www.instagram.com/drumatised Buy HQ Beats: https://bit.ly/32ieRfj ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Follow Us on all social media platforms: Instagram | Facebook | Twitter | YouTube | Website --- Support this podcast: https://anchor.fm/nevabroke/support

NevaBroke Episode 6: Ownership and Legacy Featuring Karim Williams  "When we have ownership, we control the story and control who gets a seat at the table."  This episode we had the privilege to interview  one of the co-founders of Serenity Shea, Karim Williams. We discussed the origin story and the important of wellness/mindfulness when it comes to what we put on our bodies. This black owned company is based in the DC-Maryland-Virginia metropolitan area, but they ship their products across the states. They aspire to build community and create products "with ingredients you can pronounce." One of the ways wealth has historically been built  aside from real estate is thru the ownership businesses. Ownership is important in our wealth building story.  Listen to the episode and let me know your thoughts.    To support this small business I have included the links below for all the ways to connect with Karim and his family business. Serenity Shea Website | Instagram | Facebook  Karim's Web Design Business  In times like this where there is so much uncertainty, it is important that we support each other and build community. If you are a small business and would like to be featured on a episode, please contact me directly via email at wenevabroke@gmail.com Music Source I do not own the rights to the music used in this podcast. This song has been labeled royalty free. The produced/creditors are listed below: CFM Production https://www.youtube.com/CopyrightFree... provided by CFM: https://cfmfreemusic.com To use this free background music in your videos, you MUST credit our YouTube Channel in your video description or end credits! ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Mix & Master: Drumatised Contact producer: typebeatsig@gmail.com Instagram: https://www.instagram.com/drumatised Buy HQ Beats: https://bit.ly/32ieRfj ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Follow Us on all social media platforms: Instagram | Facebook | Twitter | YouTube | Website --- Support this podcast: https://anchor.fm/nevabroke/support

Happy New Year!!! Updates this week: Stimulus Bill Information: If you haven't heard, the Second Stimulus Checks has been passed by Congress for $600. According to an article published on December 21 on CNBC, Congress pass $1 Trillion coronavirus relief bill. The stimulus check will be $600 for individuals making up to $75,0000 and couples earning $150,000. Dependents under the age of 17 are also eligible and there is no cap on the number a household can receive. The check are said to starting coming this week with varying arrival times, but considering it took them this long to approve any package. Berto Be Thinking Podcast Episode 5 Episode Outline: In 2021, our top 3 goals to: Get 1 million listeners on our podcast and grow our Instagram to 50,000 - which sounds crazy but the motto/affirmation for this year is “crazy faith” I plan to achieve this by being consistent, providing quality information, and actively engaging with my audience Inspire 100 people to save $10,000 through my zero dollars to 10K challenge Launch our YouTube channel and be monetized within the first year. SMART METHOD for Goal Setting: Specific Measurable Attainable Realistic Timely "Everyone loves winning but the true character of a person can be determined by how they handle the loses. Reflect on those loses and improve. This is the year of crazy faith and faith is not about seeing when it's already there but in spite of an proof that it is possible. Investing in yourself this year. Take risks on yourself. Make a plan and revise as necessary. Thank you all so much for this all the support." Follow on Social Media: Instagram | Facebook | Twitter | YouTube | Website Music: Music Source I do not own the rights to the music used in this podcast. This song has been labeled royalty free. The produced/creditors are listed below: CFM Production https://www.youtube.com/CopyrightFree... provided by CFM: https://cfmfreemusic.com To use this free background music in your videos, you MUST credit our YouTube Channel in your video description or end credits! ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Mix & Master: Drumatised Contact producer: typebeatsig@gmail.com Instagram: https://www.instagram.com/drumatised Buy HQ Beats: https://bit.ly/32ieRfj ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ --- Support this podcast: https://anchor.fm/nevabroke/support

Updates of for week: They have a COVID vaccine. According to market watch, Margaret Keenan, 90, is the first person to receive the Pfizer-BioNTech COVID shot vaccine on December 8. The article also mentions “Both Pfizer's and Moderna's vaccines have been shown to have 95% efficacy at protecting people against coronavirus.” According to seeking alpha website, “The November jobs report printed at just 245,000 new jobs, sharply lower than the consensus estimate of 469,000 jobs.” The government is still talking about a stimulus package, but it seems like that's all they have been doing. Yes that was shade. On another shady note, Apple reveals their AirPod Max which just looks like beats if you ask me and it'll cost about $550. I'll stick with my beats thank you very much ABC News Article Referenced in Podcast episode Today's topic of investing. Foundations Who? What? Why? Where? When? And How? Who? Individual investors and corporate investors. What are stocks? Companies issue shares which gives you partial ownership of their company. Why? To make money. Where does this happen?! At a stock exchange. The NYSE, NASDAQ, London Stock Exchange, Shanghai and so on. When? The NYSE & NASDAQ: 9:30am- 4:00pm EST weekday. How do you participate?... stocks aren't things you can physically touch even though they are your claim to ownership. In order to trade you need a brokerage account such as Robinhood, Fidelity, Vanguard, etc etc. I use Robinhood, Schwab, and Stash. I'm not sponsored by any of them but I do have a referral code. If you sign up for Robinhood, they give you a free stock and I get a free stock. Stash gives you $20 to start investing. Misspoke: Episodes are every Tuesday. Follow on Social Media: Instagram | Facebook | Twitter | YouTube | Website Music: Music Source I do not own the rights to the music used in this podcast. This song has been labeled royalty free. The produced/creditors are listed below: CFM Production https://www.youtube.com/CopyrightFree... provided by CFM: https://cfmfreemusic.com To use this free background music in your videos, you MUST credit our YouTube Channel in your video description or end credits! ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Mix & Master: Drumatised Contact producer: typebeatsig@gmail.com Instagram: https://www.instagram.com/drumatised Buy HQ Beats: https://bit.ly/32ieRfj ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ --- Support this podcast: https://anchor.fm/nevabroke/support

Lifestyle and Legacy The truth is when it comes to how much you should save, invest, and/or spend it really depends on your lifestyle and the lifestyle you would like to live now and once you retire. You might be able to survive and thrive off $20,000 a year while someone else desires $100,000 a year. There is no right answer for your life. Yes, there are industry standards and guidelines. There is sensitivity analysis that can be performed and Monte Carlo Analysis.... but most of us probably don't have financial planners in our early 20s or know what these terms mean. I know I don't, so it is up to us to maximize the knowledge we do know. Do our due diligence, read and research things you are curious about. If your goal is to retire with a $100,000 lifestyle and you plan to retire at the typical age of 60something and draw from your assets at 4% you will need approximately 2.5 million dollars which does not account for inflation and other factors. Are you planting seeds that will enable you and the next generation to eat forever or as you sowing seeds with no fruit? Social Media Handles: https://linktr.ee/wenevabroke IRS Links If you did not: file a 2019 federal tax return, get an Economic Impact Payment, register for an Economic Impact Payment already. The deadline is November 21 at 3pm eastern standard time to request your economic impact payment also known as the stimulus check. Important IRS Links: Stimulus Check Non Filers Enter Payment Music Source I do not own the rights to the music used in this podcast. This song has been labeled royalty free. The produced/creditors are listed below: CFM Production https://www.youtube.com/CopyrightFree... provided by CFM: https://cfmfreemusic.com To use this free background music in your videos, you MUST credit our YouTube Channel in your video description or end credits! ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Mix & Master: Drumatised Contact producer: typebeatsig@gmail.com Instagram: https://www.instagram.com/drumatised Buy HQ Beats: https://bit.ly/32ieRfj ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Follow Us on all social media platforms: Instagram | Facebook | Twitter | YouTube | Website --- Support this podcast: https://anchor.fm/nevabroke/support

NevaBroke Episode 2: Budgeting Having a plan for your money is essential. This is what budgeting or a budget is...A PLAN for your money. It is critical that we understand our income and our expenses. What are the fixed expenses you have (i.e.rent, car payments, utilities)? What are your variable expenses (i.e.travel expenses or entertainment expense)? Are you budgeting "fun/entertainment money". Having a plan for your money gives you the power to know where your money is going and it also enables you to have a document to analyze which ultimately gives you more power to make decisions about where you want your money to go. As you grow, your budget should grow with you. You should continue to practice utilizing this tool not only to build your wealth but maintain it. Budgeting Steps: 1. Take note of all your income 2. List your expenses (fixed and variable) 3. Cut the "fat" or excess- these are the things you do not use or need like the gym in my situation 4. Set a goal and plan for your money (Would you like to develop an emergency fund? Pay off your debt? and so forth?) If you have no idea where to start, use the link to the google sheet below. Download Google's Sheet Free Budgeting: Before I created my own customized budget sheet, I use utilized this template in Google's Sheet. It is a great starting point and provides a visual aid. https://docs.google.com/spreadsheets/d/1x6B4nKe43NG1dOnDJjz2J_X1cYcwf_zLwGMSNzFfGC4/edit?usp=sharing Thank you for listening to another episode. Follow Us Instagram: https://www.instagram.com/wenevabroke/ Facebook: https://www.facebook.com/WeNevaBroke/ Twitter: https://twitter.com/NevaBrokePod YouTube: https://www.youtube.com/channel/UCCZ6R67KUjPa-y4hb_5cMlw --- Support this podcast: https://anchor.fm/nevabroke/support

Welcome to Neva Broke. Here at Neva Broke, our goal is to increase financial literacy, provide the tools necessary for financial freedom, and enable people to achieve their life goals. This first episode is an introduction to Esther Alaran, the creator and founder. She shares her purpose and mission. We hope you continuously tune in and we are able to grow together. --- Support this podcast: https://anchor.fm/nevabroke/support