Minority Millennial Money

Brian Bristol is a 25-year old software engineer, entrepreneur, and tech founder that broke into the startup scene by building his own solution to a problem faced by so many. When a loved one lost their job at the onset of the COVID-19 pandemic, Brian began searching for a tool enabling him to help them through the financial struggle, but in a way that gave him enough confidence that he would get paid back. When he couldn't find one, his instincts as a hacker and software engineer kicked in and inspired him to spend his whole summer building the app that would eventually become Pigeon Loans. 

Brian tells Amber & Brenda about his struggles growing up and overcoming poverty, gives advice to young people looking to go into tech and talks raising over a million dollars in funds for Pigeon Loans. 

Amber & Brenda talk about how to evaluate new job offers and total compensation packages. Have you ever considered how the benefits offered may affect the overall bottom line of your offer? Listen to this episode to get educated on compensation.

Amber and Brenda discuss why credit is important, what it is good for, how to build it, and common pitfalls to avoid. 

Amber & Brenda talk Mary J. Blige's divorce, the Tinder Swindler and Disney's affect on young women. They give tips on how to avoid the financial turmoil that domestic violence and abuse can cause. 

Amber and Brenda discuss life changes and what they have been doing on hiatus. They also speak with Jenifer, a college student interested in going to Optometry school to build wealth.

Lebryan tells Amber & Brenda how his ability to build his net worth has been delayed due to failed relationships and children. 

Devyn checks in with Brenda and Amber to discuss salary negotiations, promotion potential and millennial job hopping. Amber talks not being loyal to your job. Its all business and theres nothing personal about advocating for yourself and your salary!

Amber and Brenda discuss ways to lower your tax liability and their thoughts on the recent change in laws to the backdoor IRA conversion.

Amber & Brenda chat with Justin from Road to Wealth and discuss how financial security is the gateway for overall health. Justin discusses his devastating layover in 2016 and how he was able to rebuild. Amber & Brenda describe their scarcity mindset, and what steps they take to get past poverty PTSD. You can find more from Justin here https://linktr.ee/roadtowealthpodcast.

Amber & Brenda discuss when debt can be good, financing, and credit repair programs. Brenda also discusses whether she should switch to a managed brokerage account.

Steve aka @thefrugalexpat1 checks in with Amber and Brenda to discuss pre-nups, joint accounts, savings and how he started living in Taiwan as an expat. Amber and Brenda also discuss domestic partnerships and what they want to do with their funds when they get married.

Airman (United States Air Force Servicemember), Dock Newell Jr., checks in with Amber and Brenda to discuss financial minimalism and how he built over $100,000 net worth while serving in the military. You can follow him on IG at @docknewelljr or on youtube at https://www.youtube.com/channel/UCsLUGC0_a9CKw9qHaMKJadA.

Amber and Brenda answer a listener question about fund allocations as it relates to a 401k and brokerage account. 

Amber and Brenda discuss the popular millennial acronym "YOLO," (You Only Live Once) and whether or not that fits into the FIRE mindset.

David, also known as Surgifi, is a robotics surgeon. He grew up in poverty and is now on a path to financial independence. He tells Amber and Brenda his story and gives advice on how to achieve success. Check out his website http://surgifi.com/.

Amber and Brenda talk about wills, trusts, powers of attorney and life insurance in this episode of Minority Millennial Money.

TJ and Erin are both 23 years old and on the path to financial freedom. They discuss their budget, their careers and the need for pineapple paraphernalia. TJ talks going to trade school and how lucrative it is financially.

Amber and Brenda explain what it means to make passive income and gives examples of ways to create additional income streams.

Amber and Brenda talk all things insurance.

Amber and Brenda talk the home buying process, and Amber talks about owning pitfalls. 

Amber and Brenda discuss how to organize your finances.

Amber and Brenda discuss whether there are certain habits that distinguish the rich from the poor.

Amber and Brenda explain what the Financial Independence Retire Early (F.I.R.E) movement is all about, and they also explain why more people should consider investing their money in the stock market.

In this episode, Amber & Brenda answer questions from listeners on dating do's and don'ts. One of Brenda's Bumble dates stops by and gives us a male opinion on the issues. 

Amber & Brenda give tips on paying for college and discuss their own experiences with paying for college and graduating debt free. 

This episode is all about emergency funds. Amber & Brenda talk how much you should have in this fund and where you should put the money. They also discuss buying vs leasing cars.

In this episode we discuss how to make money in the first place - what's the big secret!? Amber and Brenda discuss how their careers have evolved, how having a valuable skill is the key to building wealth, and how hard work does pay off.

In this episode we discuss our current housing situation, our past and present real estate/landlord experiences, and how real estate can fit in your plans for financial independence.

In this episode we discuss the concept of net worth and how it relates to a wealth building mindset. As usual this isn’t financial advice and you should consult a professional for detailed instructions on how to manage your money.

In this episode we discuss the basics of a 401(k) retirement plan. Please do not take this as financial advice as we are not financial professionals, but we do want to see everyone succeed with their finances!

Do you know how much you spend and earn every month? Have you come face-to-face with the reality of how much your lifestyle costs? We talk about what we use for budgeting, how it has changed our financial lives, and how it can change yours. We also discuss how we use credit cards. Email us at amber@mmmoney.org or brenda@mmmoney.org if you have questions!

Brenda & Amber talk FIRE plans. 

Brenda talks marrying rich and building our own wealth. 

In this episode we dig a little deeper into our motivation for pursuing financial independence, the meaning behind our choices, and why our voices as women of color in personal finance matter.