This week’s episode of human2human with Stacy Ike features Author, Businesswoman, Bonus Mom, and Financial Educator, Tiffany Aliche aka The Budgetnista. Stacy and Tiffany discuss understanding your finances in your twenties, thirties, forties and fifties +,  what to do during times of great loss, and how to plan ahead and know when to make a financial pivot.  SHOW NOTES | KEY TAKEAWAYS:  00:00 - Intro 01:29 - Song of the week 01:37 - Book of the week 01:41 -  Reflection Question: What part of your finances have you been afraid to address?   02:33 - What's the last thing you forgave yourself for the first time?  03:20 - Tiffany talks about asking for help and receiving it  04:45 - The misconception about finances in your 20s: “The sooner you get started, the sooner you can make mistakes, and you can get to getting good with money” 07:59 - Tiffany talks about people who change jobs every 2-4 years and how they make double their income 08:20 - Tiffany advises you to speak up in your 30s and ask for more!  10:20 - Tiffany dives into financial wholeness and the 3 stages of money 11:00 - Tiffany talks about the purpose of insurance and how to protect your assets  12:16 - Tiffany lets us in on how to find a certified financial advisor/planner  14:26 - With every change to your life, you should adjust your beneficiaries 15:58 - Is it ever too early to have a financial planner? 16:23 - Financial planning tool - visit www.xyzplanning.com  18:00 - What is good debt and what is bad debt? 20:25 - What does a healthy relationship with credit cards look like? 21:36 - “No credit is also bad credit” - Tiffany  22:21 - Tiffany explains the best ways to use a credit card 26:36 - Tiffany dives into why she didn’t start to treat herself until she was in her 40s  31:54 - Even Oprah has to remind herself that she can treat herself!  35: 26 - Tiffany talks about the percentage any business owner should pay themselves from their business 35:06 - What is the difference between payroll and owner’s draw?  40:20 - Tiffany talks about how to set money aside for the times that you want to splurge  41:59 - Visit Tiffany’s website getgoodwithmoney.com for your financial tool kit! 47:34 - Honest Gems Segment What don't they tell you about finances in times of great loss? What is something they don't tell us about finance and self-awareness? What don't they tell us about finances, physical health, and longevity? 52:31 - Things to think about: where are your financial papers?  56:40 - Tiffany talks about ordering a fireproof bag for her financial documents  58:00 - Tiffany dives into industries that are recession resistant  59:50 - What is your noodle budget?  1:01:29 - Tiffany’s thoughts on Cryptocurrency 1:03:00 - Season Question  1:05:18 - Learn more about Tiffany's mentorship program at mymentortiffany.com If you enjoyed this episode please subscribe, rate, leave a review, and while you’re at it share it with someone you love, or like, as long as you share it! CREDITS: Executive Producer: Stacy Ike Producer: Paris McCoy Associate Producer: Emma Jackson Audio Engineer: Brian Shaffer Theme Music: Pieces by “After The Fall" Music released by: Chill Out Records  Post Production Audio: The Revolt Podcast Network