So is the U.S. dollar going to zero or not? Are the BRICS conspiring against our currency? Is the fall of the U.S. financial markets finally upon us? And if so, can Beyoncé save us all? On this episode we answer all of these questions and more as we focus on the value of currency--both global and U.S.--and what you can do to save yourselves.

Artificial Intelligence! Allan’s mom recently asked him if he is using that “A-L” she’s been reading about everywhere. Of course, she meant A.I. as in Artificial Intelligence. Well the answer is, "Yes!" We're all using it, whether we know it or not but it's a lot more complex and advantageous than you may think. On this episode we talk about where A.I. came from, where it's going, how it's impacting the financial markets, and how you can make money from A.I. starting today.

The Federal Reserve ("Fed") has raised interest rates so many times over the last several months that it's almost impossible to remember when rates were below 4%, just two years ago. However, in the words of Tiffany, “We are here now!” So how do we take advantage of this unique moment in time--as savers--while also dealing with it's ramifications, as borrowers and asset owners? Well, the answers are on this podcast episode where we share the joy and pain of high interest rates and how to capitalize in your bank account today.

Do you have a budget? And if so, do you actually follow it? Or are you one of the 53% of Americans that doesn't follow a budget because you don't know how, don't want to, or you feel like you don't make enough money to budget with? If any of these apply to you, I guarantee we can change your thinking. This episode talks about what a budget actually is--and what it is not. We also highlight various budget styles that you may have never heard of that could work best for you.

What happens when your investment doesn't go as planned? Should you throw the whole plan away, was it a faulty investment, or were you the problem? Whatever the case, you're not the only one. Many investors make mistakes--including us! On this episode we talk about the common pitfalls of investing and how to avoid them. We also share which one of our investments that didn't work out that has us going to court this week.

Are you ready to move to a new city or state? Is it time for a change or maybe you're looking for a new career opportunity? You may be looking at a better cost of living or switching up for higher quality of life. Whatever the reason is, there's a right and wrong way to have a financially responsible move. On this episode, we take you through an entire checklist of all things you should consider before, during, and after you move to a new place. We also share tips on how to save money while you're at it.

We missed taping last week's episode because we were having such a good time during our annual trip to Martha's Vineyard. It's a place rich in Black history that's known for being "for us, by us." On this episode we share more on the history, entrepreneurship, and wealth that thrives and is generated on Martha's Vineyard.

We’ve done shows in the past with advice on planning to pay for your child's future college education--but what about paying for college right now?! Allan's oldest son is an emerging freshman at NYU and Allan discusses what it's really like to pay for college in real time. On this episode, we will also review payment plans, “extra costs”, and loan options. At the end, Allan will also talk about he we saved money on his bill without any scholarships dollars.

Earlier this week Jaylen Brown received the largest contract in NBA history. And with the emergence of his new wealth he publicly stated that his goal is to "use his generational wealth for good" by launching a project to bring Black Wall Street to his community. While a lot of us have heard of Black Wall Street, I don't think a lot of us know what it took to build it. On this episode, we break down what it took to build Tulsa's Black Wall Street and what it will take for you to build your own Black Wall Street--in your household. Spoiler Alert: You don't need $303.7 million dollar NBA contract to do it.

Parents invest so much of themselves, emotionally and financially, in raising their children. But the time may come when the financial contribution has run longer than expected, and you find yourself taking care of your adult children in ways that you may not have anticipated. On this episode we walk you through when and why it's time to cut your adult kids off, and how to do it effectively.

This week we finally accomplished the hardest thing we've ever had to do as entrepreneurs-- secure a business loan! With 20+ combined years of experience as successful entrepreneurs, with several positive balance sheets, and strong credit, we've never managed to get approved for a business loan until now. Tune in to hear how we did it, as well as, tips on how, when, and why to get yours. Spoiler alert: your DUNS number isn't likely to help much.

It's Tiffany's birthday--again--and we're celebrating the only way we know how: with shenanigans! If you're looking for a newsworthy, financially-informative episode... this is not it. At least not this week. Join us as we highlight fun facts and tidbits about the year Tiffany was born. I promise you'll be shocked and will have a good time celebrating one of your favorite co-hosts this week.

Are you currently an entrepreneur or are you on your path to becoming one? Maybe you're considering becoming an entrepreneur but you're just not sure the best way to go about it. On this episode, we highlight the two very distinct ways to go about becoming an entrepreneur based on your business model, personality, and startup capital--or lack thereof.

Most Americans have some type of debt in their lives. However, debts vary widely in more ways than you are probably even aware of. For instance, do you know the legal definition of debt? Do you know the difference between debt, a loan, and credit? Do you know how much you have in "good" debt versus "bad" debt--and why? On this episode, we break down everything you didn't know about your debt and how to pay it off.

"It’s the most wonderful time of the year..." again and so most of us are starting to gear up for gift-giving season. What is your plan of attack: Do you put a list together in advance, are you freestyling it, or do you wait to the last minute and let the spirit move you? Whatever your plan is we can make it a lot better by sharing top strategies for saving money during the holidays and financial gifts to consider as you share the gift of wealth building.

Congratulations! We are in graduation season and we are seeing graduates, of all levels and ages, entering into a new financial landscape. Allan’s son graduated from high school this week and now has to navigate becoming an independent college freshman away from home. This episode is for recent college graduates--and their parents--as we discuss what you both need to know as you enter into a new financial landscape, to be better prepared for life's next steps.

Having a baby is one of the most momentous experiences of your life, but it can also be one of the most expensive. Spending money on essentials like housing, childcare, and food, can can add up more quickly than you expect. Especially when there are a lot of additional expenses that no one speaks about. On this episode, we talk you through all the costs and considerations associated with raising a child. Not to scare you--but to prepare you!

Since the beginning of this podcast, Allan and Tiffany have openly shared their experiences, mistakes, wisdoms, and the personal relationships that have a lasting impact on who they are today in wealth, business, and friendship. One of those pivotal influences has been Robert "Bruce" Hawkins, Tiffany's father. On this episode, Tiffany shares the news of the recent passing of her dad while Allan and Tiffany discuss the various ways in his Mr. Hawkins impacted both of their lives.

Whether we're headed towards a recession, you got laid off from your job, or you just want to be more responsible about your spending, you never need a good reason to cut down on your expenses. On this episode, we highlight a variety of ways to tighten your budget and get closer to your financial goals.

It's time for some spring cleaning! But we're not talking about your closet or your refrigerator, we're talking about your old, dusty assets. Often times so many of us move cities or change jobs and leave a litter of old banking and investment accounts in the wind. You stopped receiving statements and ultimately you forget all about those assets. On this episode we talk about who should be looking for these accounts and how to get the money back in your hands.

Whether you think you're too young or too old to start building your wealth, you're wrong. There are several key steps you can take at every age to create financial freedom and security for whatever your heart desires. On this episode we discuss how to start to build wealth at every age with a decade-by-decade guide on how to grow your wealth.

First there was the collapse of Silicon Valley Bank and Signature Bank. Then Credit Suisse was sold to UBS. And this week, the CEO of Cash App was murdered, prompting many people to speculate if Cash App would be next to go out of business. On this episode we discuss digital wallets and digital currency. In a world where our financial building blocks seem to be crumbling all around us, what do we really need to know about Cash App, Venmo, Zelle, etc.?

So many people have the goal of being a millionaire or at least having a million dollars saved in the bank but what does a million dollars really get you? Is it enough for you to leave your job? Will a million dollars guarantee you the ability to "live your dreams"? We have the answer on this podcast episode as we walk you through what $1,000,000 really means and if it's even enough.

Life happens! You lose a job, have an accident, get a divorce, or expenses just creep up on you and before you know it... you're broke! And when you're at your lowest point, financially, it's very easy to feel completely overwhelmed and have no clue how to start to dig your way out. On this episode we talk you through what to pay, how to strategize, and the right attitude to have during this temporary season of being broke--but not broken.

Silicon Valley Bank--and Signature Bank--failed over the weekend and now everyone is in a panic. But should they be? On today's episode we not only discuss why these two banks failed but the history of bank failures in the United States and how to protect yourself if this happens at your bank(s) in the future.

Are you a fan of multigenerational living because of the ability to pool resources and builder a stronger relationship between the grandparents and the grandkids? Or are you a part of the "sandwich" generation who has had to move a parent in due to their failing health or lack of finances, and now you find yourself, unexpectedly, supporting your children and parent(s)? Whether you're a part of either generation today or not, you may be one day soon. This episode outlines what these life events mean for you financially, and how to prepare your bank account--and sanity--for living with your parents as an adult.

One of the most common steps in building personal--and generational--wealth, is buying a home. And while that's always been a complex transaction to navigate it's only gotten more difficult in today's climate. Interest rates continue to climb. Is it still a seller's market? What about inflation? How much has my home appreciated? And don't forget about rising property taxes. On today's episode we provide current tips on how to buy, sell, or stay put in today's real estate market.

Today we celebrate our favorite co-host, Allan Boomer, as we observe his birthday and allow him to take over today's episode and talk about what he loves best: Black history. Today's unconventional episode doesn't talk about finance or wealth management at all but instead, highlights the legacy of Black people and the unspoken progress we continue to make in the United States. Happy Birthday Allan!

Everyone makes mistakes when it comes to money--no matter how much or how little you have of it. Yet, money remains one of those common subjects where people never feel comfortable asking for help until it's way too late. On this episode, we discuss why it's so hard to ask for financial help, overcoming that, and how to successfully get the help you need. Because whether you like it or not, asking for help is the first step to saving your finances.

Two weeks ago, Allan lost his wallet outside of his local bagel shop. Within two hours of losing his wallet, all of Allan's accounts were hit with multiple transactions totaling several thousands of dollars in losses. On this episode, we will discuss what to do if your wallet is lost, how to prepare in advance and also best practices to protect your identity from fraud.

On this episode we are sharing our proprietary market commentary for the last quarter and our projections for the year ahead. We discuss the blood bath that has taken place in the market but how and why we're optimistic for the year ahead. Tune in to hear what you can expect from your portfolio, what's getting more expensive, and what may be getting cheaper. And oh yeah, Beyoncé!

It's tax season and this year things are going to look very different. There have been major changes to the tax laws and it's a guarantee that you're going to feel it--good and bad. Tune in to this episode to learn why your tax refund may be a lot less this year and how your portfolio's tax strategy just received a major boost. We also answer the age old question of how "the wealthy" avoid paying taxes--legally.

Statistics show that, on average, Americans stick with the same banking institution for over 17 years. That is longer than the average marriage. The question we are asking is: Why are we so loyal to banks that are rarely loyal to us--and should we be? The answer is discussed thoroughly on this episode as we highlight our issues with banks, why it's time to branch out, and what your options are.

In 2022, inflation reached levels unseen in four decades. But prices ballooned more rapidly for certain items than others, largely concentrated among food, fuel and airfare. On this episode we talk specifically about how inflation is impacting your weekly spending, the real reason behind these dramatic price increases, and how long we think it's going to last.

This week we all watched in awe as Damar Hamlin was given CPR multiple times on national TV. Hamlin, who was immediately treated after going into cardiac arrest during Monday Night Football, has shown “remarkable improvement” but, what will happen to his finances if he never plays football again? And for you the listener: what will happen to you and your family if you suffer an injury that keeps you from working? On this episode, we tell you how to focus on income protection against all odds--albeit temporary or permanent.

Happy New Year! We normally discuss the “hardware” of improving your net worth but, it is equally as important to focus on the “software.” When we think about our personal success a lot of it has to do with not just what we know but, also WHO we know. On this episode, we break down the value of a strong network, who you should be building relationships with in 2023, and how to do it effectively. We also give examples on how your network can really pay off in your wealth building strategy.

It's Christmas day and all we want to do is have fun with you guys. Tune in for a laid-back episode of holiday cheer, laughs, and even more of our usual antics. Merry Christmas y'all!

The collapse of crypto exchange FTX raises a question for every saver and investor: what happens to your money if the company that holds your account goes under? On this episode we explain how safe your accounts are no matter where they are and, who has your back in the case something smells fishy. That goes for a bank, brokerage firm, retirement account provider, etc. So if you've been leery about putting your money away or investing because it doesn't feel "safe", this show is for you.

Although it's an unfortunate topic, divorce is a common reality that a lot of couples are facing right now. There are a variety of reasons why but the divorce rate has nearly doubled since the 1990s and has grown even more for couples age 50 or older. On this episode, we walk you through the factors you need to consider and the financial steps you need to take to better navigate an already difficult situation.

"It’s the most wonderful time of the year..." again and so most of us are starting to gear up for gift-giving season. What is your plan of attack: Do you put a list together in advance, are you freestyling it, or do you wait to the last minute and let the spirit move you? Whatever your plan is we can make it a lot better by sharing top strategies for saving money during the holidays and financial gifts to consider as you share the gift of wealth building.

Have you ever been hit with an obstacle on your wealth journey and were unsure of the one thing you need to recover? We have the answer: Resilience! On this episode we talk about the intangible asset you need to accomplish all of your financial, professional, and personal goals.

There has been a ton of news this week about FTX Crypto Currency Exchange, which filed for bankruptcy this week and a lot of people lost a lot of money. It lead us to the realization that we have never discussed cryptocurrencies and it's finally time to have "the big talk." On this show we will break down crypto, blockchain, the FTX scandal--as well as a few other major crypto scandals--and how you can invest, while protecting yourself in the crypto-future.

Even though the votes are still being counted, midterm elections are done. We don’t know who will be in charge of the Senate or the House just yet. A few states are requiring a runoff election. And there's still a lot of overall uncertainty. But one thing we do know for certain is that this--and every election--has a very profound impact on your wallet today and in the future. On this episode we break down elections, political parties, the various branches of government, and how they all strategize in favor of, or against, your wallet.

It's standard financial teaching that stocks are high risk and bonds are relatively safe. Well this year both are erratic and acting very risky--but for completely different reasons. On this episode we will discuss what's going on, why, and exactly what you should do about it.

It's out 100th episode and we've decided to celebrate with all of our listeners. We are taking the day off from teaching and advising to have some fun answering completely unexpected questions about ourselves. Tune in to learn more about your Momentum Advisors as we enjoy Episode 100.

If you have a child heading to college soon it's likely that you'll be filling out a Free Application for Federal Student Aid, better known as the FAFSA. Most parents hate the thought of filling out such a long, confusing, pointless application; especially when you think your child won't qualify for financial aid or, you don't even know what school your kid is going to. Guess what? You're completely wrong and this episode is going to tell you why you absolutely want to fill out the FAFSA ASAP, and how it's easier and better than ever.

Symbiosis is a close relationship between two species in which at least one entity benefits from the other. Often times we initially think about the instances where this relationship is negative but ,on this episode we highlight positive, wealth-building symbiotic relationships for potential or existing entrepreneurs. Specifically those where small business or independent contractors can partner with large enterprises to make more money on their own terms.

What's a stock? What's a return? Yea, most of us know the answers to these questions. But how do you get a stock to pay you rent? How do you find the really "cheap" stocks where you make your money back really quickly? These--and some important others--are the answers we really want you to know before you ever buy your first share. Thankfully, it's never too late to learn.