Twitter Spaces Replay 12/26 | Ep. 186

• Tiffany introduces the topic of reflecting on 2022 wins, losses, and lessons while looking forward to 2023. The space is described as a roundtable for sharing perspectives and strategies.

• Tiffany Grant introduces herself as focused on financial education for the Black and Brown community. Rahkim Sabree introduces himself as covering financial trauma and empowerment, running the Overcoming Financial Trauma podcast and newsletter.

• Other speakers introduce themselves including Anthony (About That Wallet podcast), Steven Stack, Jonathan (J-Town Solutions), and others.

• Tiffany shares that travel from August through September caused her to get off track with budgeting. She learned not to let self-talk overwhelm her and to stick to basics like budgeting.

I realized that when I don't budget, it stresses me out. And I don't feel right.

• Key lesson: quiet the self-talk, sit down, look at the numbers, face fears, and make it happen.

• Rahkim describes 2022 as his first full calendar year as an entrepreneur, calling it both the richest and most financially challenging year. He made all mortgage payments, bought a new car, and traveled extensively including to FinCon, FTA, and AFCPE.

• Challenge identified: lack of intentional or directed time. Goal for 2023: be more intentional about time, priorities, and who to spend time with.

• Anthony shares the story of guest Chloe Cho who achieved her goal of working remotely in another country within six months by simply asking. This inspired him to push himself to the next level without waiting.

What I have today is really enough to get me to the next level. It's just that I need to maximize on the things that I have.

• His 2023 approach: give things a try even if they might fail, at least attempt them.

• Steven shares a perspective shift from asking 'what if things go wrong?' to 'what if things go right?' This came from a conversation in Paris in late April that changed how he approaches challenges.

Instead of putting so much energy towards what if things go wrong? What if you change your perspective to say, well, what if things go right?

• He emphasizes majoring on the majors in life and focusing on the big things rather than getting bogged down in details.

• Jonathan reflects on closing on a new home and investment property while switching jobs and raising a toddler. He emphasizes that crossing financial thresholds like $100K in 401k or $1,000 on social platforms requires consistent work and supportive community.

• Key insight: entrepreneurship doesn't require leaving a 9-5; it's about deep impact. He notes that many in the space are tired and questions whether they entered with genuine passion.

• Anthony reveals he created a calendar in 2021 and discovered he hit 80% of his goals without updating it since March. He has his first speaking event booked for 2023, something he planned but avoided due to fear in 2022.

I actually had it on my Q3 thing... I already hit like 80%.

• Tiffany shares that starting therapy in July before major personal challenges hit in September was crucial. Having tools in place helped her navigate difficult situations without breaking down.

I feel like if I hadn't taken that step earlier before all this other unforeseen stuff happened, I don't think I would have gotten through as well as I have been getting through.

• She emphasizes that mental health is important and having support tools in place has been indispensable.

• Rahkim echoes the mental health sentiment, noting he has a better grasp on stress than ever before despite financial challenges. He left corporate due to mental health concerns.

• He emphasizes that community has been a lifeboat, helping stabilize confidence and navigate doubt. The regular Friday meetings help members understand each other's influences and decision-making.

• Tiffany shares that she made a tweet earlier in the year putting all her debt on the front street. This was cleansing, empowering, and made her want to go harder. She emphasizes the importance of influencers showing up authentically regardless of their situation.

• Anthony emphasizes that the year isn't over and he's still pushing to finish episodes, edit, send emails, and maximize the remaining days. He refuses to wait until January 1st to start working toward goals.

• Rahkim's biggest professional goal: pass the AFC exam and get credentials. Tiffany encourages this, noting it has been beneficial for her own business through referrals from the AFC website.

• Steven looks forward to building with the group, collaborating on podcasts, and potentially connecting in person during his domestic travel. He plans to acquire business equity and share financial perspectives with a 10-year runway mindset.

• Jonathan shares stats from a Yahoo Finance article: having $4,500+ in accounts puts you ahead of 40-50% of Americans; $30,000+ invested puts you ahead of the 35-45 age group. He looks forward to hitting 1,000 TikTok followers, making additional investments, and partnering with the group.

• Nia shares humongous goals for 2023 including returning to FinCon as a family reunion, being more strategic in implementing goals, creating better community impact, improving customer experience, and increasing speaking opportunities. She's already fully booked for January and February.

• Anthony outlines his quarterly plan: Q1 for increasing podcast awareness, Q2 for closing out the season, Q3 for beginning season four, Q4 for giving back. He plans two speaking engagements and wants to create his own meet-and-greet event.

• Tiffany announces her focus on the blog after a podcast-heavy 2022. She nearly reached 50,000 listens and wants to return to writing and chronicling her debt-free journey. Plans include a January 1st financial check-in, focusing on SEO, and going audio-only for podcasts while keeping video for lives.

I want to be an SEO expert by the end of the year next year.

• She emphasizes being more intentional rather than willy-nilly with content and software subscriptions.

• Nia shares that she mapped out all blog posts for the year, aligning content with themes like financial wellness month in January. She signed up for repurpose.io to automate content distribution across networks and create snippets from YouTube videos.

• Anthony thanks Tiffany for the space and commends her work ethic while noting she pushes him to be better. Tiffany responds that she actually worked less this year than ever before, learning that hustle culture isn't necessary for success.

I have not worked as hard as I usually do. But that was one of the lessons that I learned this year because I used to operate from lack... I didn't, and I still was able to pay my bills.

• The episode closes with gratitude for the community and excitement for 2023.