Moms and Money Managing Family Finances and Raising Financially Savvy Kids - Episode 65
In today's episode, we dive into how moms like us can manage our money better and teach our kiddos to be smart with their cash too. We chat with Tiffany Grant, who shares her awesome tips on budgeting, saving, and even how to make shopping fun while learning about money. We also explore how important it is for us parents to set good examples, so our kids grow up knowing how to handle their money wisely. It's like we're all on this big adventure together, learning to save, spend smart, and prepare for our future.
About our guest:
Tiffany Grant is the creator and host of the "Money Talk With Tiff" podcast. Starting as a single mother of two, balancing full-time education with two jobs, she has since achieved her AFC® certification, completed her MBA, and built a successful career in HR, all aimed at improving her situation and assisting others. Known for her passion for finances, Grant turned her informal advice-giving into a blog to share her knowledge more broadly. From clipping coupons at age 6 to buying her first house at 26 through diligent saving and budgeting, her journey reflects a lifelong commitment to frugality and financial wisdom. With a background in Business Administration and various certifications, including SHRM-CP and Lean Six Sigma Yellow Belt, she has extensive experience in financial counseling and aims to be debt-free by 35, house excluded.
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TRANSCRIPT:
Naseema: [00:00:00] What's up? My financially intentional people. I'm joined with Tiffany grant. My good, good friend. We don't talk about mommy in and money and how we teach our kids about money. So I'm going to go ahead and let Tiffany introduce herself because she has an incredible story.
What's up there?
Tiffany Grant: Hey, Hey, thank you so much for having me. So
my name is Tiffany grant and I run money talk with TIFF, which is a financial education platform in the form of a blog and a podcast. And I just love talking about money. And I'm glad to be here to talk about my kids. Cause that's two passions coming together.
Naseema: Yes. Yes. We love these kids. We love these kids, even though, they take years off of our lives,
Tiffany Grant: bags?
Naseema: it
Tiffany Grant: They stay there.
Naseema: day, all day. And before you jump into the approach you take with your kids, what was your money story? How did you grow up talking about money? And then how did you get into the financial education space?
Tiffany Grant: Yeah, so growing up talking about money, I didn't. So in my household nobody talked about it. It was one of those [00:01:00] things, kids stay in a kid's place. And so nobody ever said anything about what was going on with them financially. I didn't know how much people was making. I didn't know, what the budget was.
All I knew was. My family loved to spend and I always got what I wanted, but as I got older, I realized what that did. And so a lot of my immediate family members have gone through bankruptcies and even foreclosures. And so that kind of shaped my money perspectives growing up. So people weren't talking about the good things about money.
It was just what I saw and the bad things. And so yeah. That kind of made me terrified a little bit. I'm not going to lie. And so that's when I started diving in myself and reading more about, how does all of this work? Because I didn't want to go through that same situation. It was traumatic.
14,
Naseema: with you, like the calls with the bill collectors, dodging people, having 5 a week to survive off of you know. So changing things [00:02:00] up, you have three kids now and then again, what are their ages?
14, 9
Tiffany Grant: and 1
Naseema: So all at totally different stages, developmentally and the way we approach education in general. What are some approaches you take to talk to your kids about money? Mm
Tiffany Grant: Yeah. So my kids are very active in, my money situation. Cause like I said, I don't want to repeat the same cycles. And we talk about budgets all the time. We talk about if we go to the store, I have trained them to the point where they don't ask for anything unless it's on sale. And starting that from like a young age, when we would go to the grocery store and be like, Oh mommy, can I get this? This and I'd be like, is it on sale? So now what they do is they'll point it out and be like, it's on sale. And so usually I get it if they say that. But you'll be surprised how much they pick up just from watching you work and watching you interact.
So even to the point where my oldest son and my youngest son, they were like, [00:03:00] Oh, we want to be entrepreneurs. And it's because they see me as an entrepreneur. Now, I never thought that that's what they would want to do, but As they see us, interacting and doing different things, they're like, Oh, this looks cool.
I like what mommy's doing. So that's why it's always important. Even in just the smallest interactions, maybe for instance, we'll go to the bank. They just got some money from, My mom, cause she's still be spending. But maybe, maybe they get some money from my mom. Oh, let's go to the bank and, do a deposit or what have you.
And so they pick up on all of these different things. So it's important to be a good example now.
Naseema: Yeah, I love that. And I'm definitely an advocate of Morris Cawthon taught they see us doing those things and then it's easy to pick up on as opposed to us being like you should be doing X, Y, and Z, but we're not exemplifying that. How do you handle I have the grandma that like, likes to buy them things and give them all of those things.
How do you navigate that? Put [00:04:00] me up on game. Cause I need to learn. Yeah. Yeah. Yeah.
Tiffany Grant: I wish I had all the answers for you because even just yesterday, just yesterday, she was, my mom was over here and she was like, Oh, I got to put more money on their lunch accounts. And it's down to 7. And I'm like, I didn't have lunch. I just ate the school lunch. I didn't
have the extra cookies and all these things, but she, she, like even to the point where she's keeping.
Money on their school lunch stuff just so they can get extra. So honestly, I just let her do what she gonna do. Now sometimes I'm like, they don't need that. You don't have to do that, whatever. But she gonna do what she gonna do. Cause. She's an adult. So, I think for me, for instance, if it is something that I can control, like for instance, she gives the money, then I'm like, okay, y'all, you need to save some, you can spend some, and then you can give some away.
So those are my three things that I make sure my kids do. do with every piece of money that they come in. Just we have to give there so they don't [00:05:00] become selfish. Like, you do have to give a little bit, we have to save there. So that way they can save up for something, a bigger purchase if they want it.
And then the spin, because of course, their kids, they want that instant gratification. So with my kids, they love video games, which I do too. So that's why I said, they watch and learn. But they love getting Fortnite, V Bucks and Robux and all these things. And if I let them, they would spend all their money on that.
My son just came to me yesterday and was like, Oh, can I do some extra chores for some Robux? Sir, like you can't spend all your money with these people. But that's why it's important to direct them as well. So I believe that their money's their money, but they also don't have the same insight that we have when it comes to how marketing works and how all of these things, as adults were like, Oh, that's a marketing gimmick, but to them, it's like, Oh, we got to get prime.
Oh, we got to get, of these
different things. [00:06:00] Okay.
Naseema: Who did that? Was it that, that YouTube guy? What's his name? Mr. Beast or something? Was it him? Who put this prime out there? Because it became this thing in school. And it was the first time I had to talk to my kids about brand names because she got primed from 7 Eleven and they was like, that's not the real prime.
And I'm just like, hold on boo, back up. First of all, I didn't even want you to drink this. Okay. You're not going to drink it. It's nasty. You just wanted the bottle so you can walk around school to say that you had it. First of all, you don't need to be stunting on nobody cause you can pull out your net worth and stunt, okay.
If that's what you really want to do. Okay, because that's what really matters at the end of the day next week Ain't nobody gonna be worried about this prime, I said, what is my fault because I bought that for you I'll let you go to 7 eleven and buy that stuff and play into this But we're not gonna play those games.
You know how we do. So I train my kids about marketing in the sense that we're gonna use marketing to our advantage If you think prime is what you really want to buy [00:07:00] Look at who owns prime and we'll buy some shares in that stock because we're not playing this consumerism game Okay, and if we're gonna play it, we're gonna play it to our advantage That's it
Tiffany Grant: And girl, I don't know, to answer your first question, I don't know the name of the YouTuber. It wasn't Mr. Beast. It was another one, but Prime has got these kids in a chokehold. And to the point where I never bought Prime at all, but my mom been buying a Prime and
Naseema: problem. Okay. Stop, please.
Tiffany Grant: And to the point Nasima, they were, you know how back in college and stuff, we would put the liquor bottles on top of the thing. They got the prime bottles, like a collection on top of the cabinets, like it's that bad. And so whenever they get a new flavor, they're like, Oh, we don't have this one. Let's put it up there.
But it's amazing how they target the kids because they realize the [00:08:00] kids really don't know any better, they don't know the difference between an ad and, them just talking about something.
Naseema: Which is, it's not, great, but it's marketing, right? It's not good. Also, they know like we might not necessarily buy it, but we'll do stuff for our kids that we wouldn't do for ourselves. Spend money on our kids and the kids put pressure on their life. Oh, I remember missing out on this in school and I don't want my kid to feel like an outcast.
So i'm gonna go ahead and spend this money on this stuff that I know that probably will give them congestive heart failure later who cares because They're gonna be the popular kid like come on now And and the thing about putting the bottles up first of all, I tell my kids is prime sponsoring this Is Prime sponsoring this?
Let me tell you, okay, you can put those bottles up, but you better be in Prime's marketing email box and tell them you need to sponsor this in the background so I can take a picture of this. If you're not willing to do that, don't put that stuff up in my house. That can't be in my house. You [00:09:00] know what I'm saying?
That cannot live in my house. No, you need to get paid, honey.
Tiffany Grant: right? It's wild. Now that is something that I have taught my kids. And my mom mentioned this the other day. She was like, Tiffany's kids, they don't work for free. She said, she said, I asked them to do something. Their first thing is school. So how much, like how much are you going to give me or whatever?
And so that's one thing that I did teach my kids that they have value. I remember being young and my grandma said that I used to charge my grandpa to take out his garbage, and all that stuff. And so they get it honestly, but I feel like those lessons are important too, because.
They have their regular chores and their regular chores. That's just household contribution. But when you go in above and beyond, then I feel like that has value. And so that's what I've been teaching my kids as well. And that's why they ask for those extra chores and, extra jobs.
And when my mom and them asked them to [00:10:00] do something, they're like, okay, so how much am I getting for this? I think that that's an important lesson too, and it has helped me as an adult being that when I was younger I used to do that. So
Naseema: it teaches kids to value themselves, but also want to go back into this, like enabling thing that often grandparents do to our kids. It wasn't good. You wasn't getting all that stuff as a kid, but they feel as their job as a grandparent, they have to do those things and to put like, Boundaries around that so some things that I have done so their grandma loves to buy them stuff.
So we always go on like family trips For example, we just went to monterey a couple weekends ago, and they'll ask for stuffed animals Now, these kids don't need no stuffed animals They have a whole top bunk that is full of stuffed animals and they're just disgusting like I don't know as a nurse I just know they carry all these germs.
They're telling me.
Tiffany Grant: Dusty. Mm-Hmm?
Naseema: exactly. So I'm just like, [00:11:00] okay, I don't want these kids to get gifts, but her love language is buying gifts for these kids. That brings her joy. So I'm not trying to like, stop like yo joy. Check this out though. Keep them at your house, anything that you buy them, keep them at your house.
And I actually learned that from Julian Joshua,
Tiffany Grant: mm-Hmm.
Naseema: She was like, cause she only lets her kids have seven toys or something. She's like the amount of toys that they can comfortably clean up by themselves, because she would tell them that she noticed, she would tell them to clean up their room and they would get frustrated and she realized, all right.
It's frustrating because it is overwhelming. It's a lot of stuff like, okay, if this is overwhelming to you, let's put it into a manageable play. Let's keep limited to a manageable amount so that. You can comfortably clean up your room. So it's not frustrating. And so that I'm like, yes, that's, what's going on now.
Keep that stuff over there. Also, as far [00:12:00] as like allowance and giving gifts and giving money I actually stumbled across Google. The go Henry app, because I'm doing some UGC stuff for them. And that app is actually really, really good. So what it allows you to do is you have a bank account, like that you control, but it's technically the kids.
And then, you can fund this money in there and then you can give them an allowance, an automated allowance. So my oldest daughter has an automated allowance of 5 a week, right? And that's for her regular household chores, whatever. And then if she goes above and beyond and asked me to do something extra, I can just transfer some money over there to her account.
And then that's hers. And then also they have learning, educate financial education, learning things. So every time she completes a lesson, I can contribute anywhere to Five cents to 3 for every lesson that she learned. So if she wants extra money, she can [00:13:00] do extra chores or she can do some financial education.
So I really, really liked that app as far as. Being like a one centralized place where they can look, manage their money. Now, if she wants roadblocks, she has, she has the money in her account to say that she can buy it. When we go on trips, if she wants something, she knows that it has to be in that account in order for her to get it.
And so she don't ask me for stuff, but she did with the Monterey, she did go to her grandma and was like,
Tiffany Grant: They know who they can
Naseema: yeah, she's like my mom is gonna tell me I can't buy this thing because I don't have enough money in my account can you hook a sister up?
Tiffany Grant: Mm hmm. Oh yeah, they know.
They know exactly.
Naseema: not buying it you're not getting it so if you're not paying for it, I mean I said These are some things, some ways you can afford it, and this is what you would have to do.
So it teaches them the value of money. And I think it's harder to do when, we don't really deal in tangible money as much anymore. So it's attached to a debit card. [00:14:00] It's attached to digital stuff. She can transfer money back and forth. So I, I really, really like that tool. Not a plug, but this information,
Tiffany Grant: No, that's good. And I'll definitely check that out. I know at my oldest son, one of the things I did when he turned 13, it was like his, you're a teenager now it's time for you to manage your own stuff. And so I took him to open up his own checking account to get his own debit card, and things like that.
And that was like our 13 year old big to do. And the thing about it was For his birthday, he got quite a bit of money. So I was like, okay, let's put it in. But he couldn't spend any of it until he created a budget. Cause I'm like, you have a finite amount of money in here and you want all these different things.
So let's plan it out and see how it's going to fall. Now, one thing. Because I do every time the statement comes, he looks at it and when the statement came for the first time, he looked at it, he was like, wait a minute, [00:15:00] why do I have 99? Because he did have a hundred and I said every month the bank takes a dollar, it's like your maintenance fee.
He was like, so you mean to tell me if I don't touch this They'll just keep taking a dollar. And I said, yeah, that's how it works. And so you can use those opportunities as well, as they get older as learning opportunities, like this is how financial institutions work. And if you don't like that, then, you can always shop around and look for something else, but this is how this bank works.
So I really like. That we went through that and every time the statements come, I'm like, Derek, you got some mail, I give it to him and he looks over his statements, make sure everything is right. And then, he goes on. So anyway, I say that to say, as they get older there's other things that you can do as well.
Start teaching them about like real life stuff that we'd be going through as adults.
Naseema: So does your son I don't know like I remember when I was in high school I have 14 you can start working get a work [00:16:00] permit. Is he working outside of the house yet?
Tiffany Grant: No he did work for me for a little bit. But other than that, no. And it's honestly really hard to get a job at 14 around here. Cause I remember me being 14. I was like, Ooh, I could work now. And nobody wanted to hire me. So, realistically, he's probably got to wait until he's 16 and less, there's a connection that I know, that are willing to give him a chance.
But to that point, he loves tinkering and stuff. And he had a YouTube channel at one point that was doing better than mine. I said, wait a minute, wait a minute, wait a minute. But, he was like, Oh, I want to be a YouTuber. All the kids had that dream at one point and I was like, okay, let's try it.
And so he started his little channel and he realized that it was way more work than he wanted. So he let it go. But just giving your kids the opportunity to taste. Of the different things that they like to do to see what's going to fit. [00:17:00] Cause it could be that maybe he liked it. He'd be the next Mr. Beast or whatever, but he was like, yeah, no, this is not for me. But now what he settled on is he wants to be an engineer. And so I'm like, okay, let's see what I can put you into or what we can do to get you tinkering or whatever, with stuff to see if this is really what you want to do. So that's how I, treat my oldest son now that he's older to see, give him a little taste because nobody's going to really hire him at this age, unfortunately. But. In the future, if he gained some skills, I told him, I'm like, you can always start your own business. If you want to be a computer engineer, you can go ahead and start tinkering on computers and be like, Oh, I can fix your computer for you.
Whatever. You don't have to wait for somebody to hire you for that.
Naseema: Exactly. Putting those skills to work, but when he does start earning his own income outside of his checking account and stuff that you already set up for him, are there other accounts that you feel like you're going to open up for him? Or if you had a template of once you start [00:18:00] earning income as a teen, a young adult, what are some financial steps you have to take?
What would that look like?
Tiffany Grant: Yeah, so he already has a 529 because he said, early on that he wanted to go to college and if he wants to be an engineer, he's probably gonna have to go to college. That's their forum where he could put money in there himself if he wanted to. He has his checking account, which we opened at 13.
When he starts earning his own money, he does have a savings account too. But. Barely used because
Naseema: A couple of dollars in there.
Tiffany Grant: A couple dollars, whatever. So he does have that, but when he starts earning his own money, I'm definitely going to encourage him to maybe do a high yield savings account and start putting more money into that.
Because that'll be really key. I'm a firm believer in. savings. Like I know you can't save your way to wealth, but you can save your way to peace of mind. And I'm a firm believer in savings accounts. So I think having the [00:19:00] 5 to 9, which is his investment, the savings, the checking the The little itty bitty savings, if he wants to keep that I think those would be like some really key items for him to have now, eventually down the road.
If he wants to get into more investing, then he can always, open up a different investing account that, he can play with, but he doesn't really seem to interested in that right now. Maybe that'll change when he gets his own money. Who knows? But I think those, at least Those accounts are like the baseline that teenagers should have.
Naseema: What do you say to people who say why would you put money in a 529? What if he doesn't go to college ultimately?
Tiffany Grant: Oh if he doesn't go to college, then guess what? You can always move that money to somebody else. he Has one. My youngest son has one. My sister is about to start college. So I'm like, even if my oldest son doesn't go, it'll roll over to my youngest son. If my youngest son don't want to go, it can roll over to my daughter.
If she don't want to go, I guess I'll be going back [00:20:00] to school.
Naseema: By that time, your oldest son could have had a kid and then do the
Tiffany Grant: that too.
Naseema: college. Like
Tiffany Grant: That too.
Naseema: so short sighted sometimes. In the meantime, that money is growing in that account. Interest, penalty free, tax free. So let it go. Let it
Tiffany Grant: it can go to anybody. Even if you had some god child or something like, let's say you didn't have kids, you have a god child and you want to provide for them it's easily transferable. So that's why I decided that it was a good move for us.
Naseema: Everybody wants to be that rich auntie or uncle, stop playing. Okay.
Tiffany Grant: And I said, worst case scenario. I love learning. I'm a glutton for punishment. So I'm like, I can just go back to school again.
Naseema: Exactly. Get another degree. It also pays if you have student loans okay, you can take 10, 000 of that and pay off your student loans. So yeah, I really, really like that. But I always tell parents, like ultimately we want to learn all these things for our kids, probably [00:21:00] because, We did not experience these things as a kid or we didn't have access to these financial tools education as a kid.
And we think of ourselves as late starters, right? I didn't start learning about this stuff until I was well into my 30s. I don't know when you started, but, then we say, oh, I want to make sure I set this up correctly for my kids. I always tell people, don't jump to your kids. What do you have for yourself?
So what are some things US mommies should have in place before we even start thinking about these little Rugrats?
Tiffany Grant: Yes. Progress
Naseema: Girl
Tiffany Grant: it's so true and right. and I go back to, when you're flying and they say, put your oxygen mask on first, then, do your kids or whoever you with, and that's so true when it comes to your finances too, because think about it this way, okay? When it comes time for me to retire.
My kids, I don't want them to have to worry about anything when it comes to me when it comes to school. So let's [00:22:00] look at retirement versus saving for college. Okay.
Naseema: Mm-Hmm.
Tiffany Grant: I can't get money from the government. I do, a little social security check if that still exists, at that time, but that's the only money that I can get from the government for my retirement.
On the other hand, with education, they'll have access to grants, loans if they need it, whatever. And when you're looking at those two things, just to give an example, it's better to save for your retirement because at the end of the day, you're not going to have a safety net. The kids is going to be okay, regardless if they have to take out loans, you might not want to.
Want them to take out loans and stuff, but they have the option if they need it. And so with you, you can't take out a loan for your retirement. 20, 30 years that you're going to be retired. So it's important to save for yourself first. And that's one thing, honestly, I don't. Didn't start doing like my kids had way more money than I did for a while.
And I was like wait a minute, I don't want to work forever. First of all. And then also I want to be comfortable too, because when I'm [00:23:00] comfortable, they're comfortable. And so I also have to prioritize myself and what I need. Even though I want to give my kids the world I need to give to myself too.
I feel like when you're looking at, Oh, should I do this or that? Always cover yourself first then do the kids. Because like I said, you don't want to be in a situation where now you're being a burden to them either.
Um,
Naseema: gift you can give to your kids is them not having to take care of you.
Tiffany Grant: hmm. Mm hmm. Because it happens way too much and then they're like stressing out as adults because they're like, Oh my gosh, I got to make sure my mom and dad is okay or whatever. And I feel like that shouldn't be their concern because you should. Save up, even if you, cause single moms, I'm a single mom.
Oh, I got to do this all myself, but that doesn't matter. I still need to take care of myself too. And so I don't want them to be like my mom sacrificed for me. And it's that no, no, no, no, no. I'm gonna make sure [00:24:00] that I'm straight. So that way you can be straight in the future. And we, we gonna do it.
Naseema: So this is something I'm gonna do a podcast episode on, but I just want to get your opinion on this. And this comes from a place where my oldest daughter's dad passed away. And so I was wondering, how do you feel as a single mom about having a life insurance policy against your kid's dad?
Tiffany Grant: Hmm. That would be awesome stuff. No, it's not. God forgive me. But I think honestly though that's real because at the end of the day if they're Contributing quite a bit, you want to make sure that that's being covered as well. And I don't see anything wrong with it. And I think, you could do that right?
You can get
a life insurance policy because there's a an interest there. I don't see anything wrong with it. I haven't done it. But now you just gave me an idea that I might need to [00:25:00] do. because let's see my oldest son's dad, he's in his life, court order, he gets them every so often.
He fought me for a long time with child support. They finally bumped it up for 50 a month after so many years. I'm
Naseema: that 50 a month
Tiffany Grant: 50 a month,
Naseema: huh?
Tiffany Grant: 50 a month for years, this year's finally bumped that up. But I'm thinking about if he were to pass away, he already doesn't want to give me anything while he's living.
So there's no way that his family or anybody would give me anything. after he passes away. And then my youngest son's dad, so my middle child, he's currently incarcerated. And I'm like, if there's anything that happens to him, he's already, he's not contributing right now because he can't, but I'm like, if anything happens to him, then what?
It'll just, it'll be the same thing. And then my youngest son's dad, he already, my youngest [00:26:00] daughter He has a, a policy on himself for his daughter. So he's already thinking ahead of time. So I really appreciate that. We actually had that conversation the other day and he was like, I want to make sure that you're the beneficiary.
So that way, my daughter is taken care of and stuff like that. So I do appreciate when they already think about this themselves.
Um, but for those that don't, I'm like, maybe this is something that I need to do. I never thought about that.
Naseema: And I just brought that up because this is the conversation that I think I've never heard people have, but I'm just like, yes these people have an interest. And if they're not going to do it kudos to her dad for stepping up and getting a policy. But if they're not going to do it and you want to raise.
Your kids financially responsible and if something happened to them, that's a big loss, I didn't have it, but I thought about it, dang I wish I would have had this in place. And so that's 1 of the regrets. But, in the back end, [00:27:00] social security is still here and there are some survivor benefits here there.
If your kids are under 18, but if they're over 18, still. It would set them up like to have, at least a little nest egg to continue to grow. And so I have life insurance policies for myself, for my kids, if something were to happen to me, and so I think their dad should as well.
So
anyway, I just
thought that would be interesting conversation because I wish it was talked about more.
Tiffany Grant: And we need to have these conversations more. Cause honestly, I never thought about it until you just said something. I'm like, I do have an interest in them being alive and well and taking care of their kids and therefore it makes me eligible to get a policy, which I never thought about I just never thought of it.
Never crossed my mind, but that's why. These conversations are important because we can brainstorm, we can start thinking about different things that we may have missed, and this is something we're both in the [00:28:00] finance industry and, we might know a lot about a lot, but we don't know everything.
It's impossible.
Naseema: exactly. And that's why these conversations are important. And that's why, we just need to know what's out there. What's available to us, what's possible. And I know you have these conversations over on your platform on money, childhood tip. So tell us about your platform and how people can follow you over there.
Tiffany Grant: Yeah. So wherever you listen into this podcast, you can find money talk with Tiff. I would love to have you. We have a lot of fun. I make a lot of jokes. I laugh a lot. If my laughing is annoying and don't come, no, I'm just kidding. But. I do joke and I laugh a lot. So be prepared for that. And then also the blog is moneytalkwithtea.
com. So you can visit the website, get all that good information over there. And then on social media is at moneytalkwithtea everywhere. I have a slight social media addiction, so you can find me on all the platforms.
Naseema: A slight addiction.
Tiffany Grant: Slight, very slight.
Naseema: We all have a slight [00:29:00] addiction, especially if we want to exist in this space, we have to be present and consistent, which, is neither here nor there. It's one of those things, sometimes you don't want to create, but you create amazing content. You have a great platform.
So I'm honored to have you on. This is such an incredible conversation. It's always nice to talk to a fellow mommy out here doing our thing. So I appreciate you so much.
Tiffany Grant: Yes. Thank you so much for having me. This was fun. And like I said, you done gave me some gems. I gave the audience some gems. You gave me some gems. Let's just Jim it all around.
Naseema: it's about that exchange of knowledge. That's why we're here. Like it's that circle, you know what I'm saying? Surround yourself with people that inspire you, that can give you gems. Like that is all that it is about. So you give me so much inspiration. So I'm glad I can give a little bit back.
Tiffany Grant: thank you. Thank you so much for having me.
Hey there I’m Naseema
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