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Koya Webb

Episode #82: Get Good With Money with Tiffany “The Budgetnista” Aliche

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Wellness visionary & inspirational speaker, author of Let Your Fears Make You Fierce, & Founder of The Get Loved Up Community. My core mission is to promote daily self-care, oneness & eco-friendly living.

Hi, I'm Koya

“Balance is a lie, I look for harmony instead.”

Have you ever thought about what it would be like if you actually had money? And not just a few bucks, but a lot more money?

Maybe you already have a list of things you’d buy if you had more. Or, perhaps you dream of something simpler, like being able to go out with your friends every weekend without worrying about the cost. I’m going to let you in on a little secret: It’s all possible — and likely already within your grasp.

Today’s guest is someone whose work I’ve admired for such a long time. Not only does she inspire and educate others, but her personality is absolutely contagious. A lot of people know her through her financial wisdom, which continues to help many people. Tiffany Aliche, also known as the “Budgetnista,” is on her mission to help us live rich lives by saving and becoming financially independent.

In this interview, Tiffany shares the origin of “The Budgetnista,” a preview of her book Get Good with Money, and one of the most practical ways to succeed financially. I loved hearing her story, and I hope she can become a financial inspiration to all of us today.

Who Is Tiffany Aliche?

Tiffany Aliche is the founder of “The Budgetnista,” which created a financial movement helping over one million women worldwide transform how they think about their finances. The women who participate in this global ‘Live Richer Movement‘ call themselves “Dream Catchers.” Since its inception, the Dream Catchers have collectively saved more than 250 million dollars and paid off over 200 million dollars in debt.

Tiffany credits her experience as a preschool teacher for ten years in Newark, NJ, for helping her lay the foundation for the core mission of ‘The Budgetnista’ education. In 2019, Tiffany transformed her commitment to education into legislation when she partnered with Assemblywoman Angela V. McKnight to write a bill that later became Law A1414 (The Budgetnista Law). This milestone legislation made it mandatory for financial education to be taught in all middle schools in New Jersey.

Tiffany has also created countless resources for her global audience and continues to teach online and in-person financial courses. The Live Richer Academy is her online platform where tens of thousands of students have enrolled to better manage their money and transform their financial lives.

Moreover, she regularly blogs about personal finance on The Budgetnista Blog and co-hosts a top-rated and award-winning financial podcast, Brown Ambition. She is also an award-winning teacher of financial education and America’s favorite personal financial educator. Her financial advice has been featured on Good Morning America, the TODAY show, The New York Times, The Wall Street Journal, FORBES, and other media outlets. She is also the featured financial expert for the popular daytime talk show, The Real.

Tiffany is the author of Get Good with Money, The One Week Budget, and the Live Richer Challenge series. She has also authored a children’s book, Happy Birthday, Mali More. Today, Tiffany continues to break down barriers. She is the first solo Black woman to grace the cover of Money Magazine and attain an NAACP Image Award Nominee for Outstanding Social Media Personality.

I have always been inspired by Tiffany Aliche. Her story is one that a lot of us can relate to in so many ways. I feel blessed to share her story and her advice with the world.

A Financial Trauma That Turned Into A Success Story

At 29, Tiffany found herself in deep financial trouble. She was heavily in debt and got herself mixed up with a credit card scam. She also lost her job and found herself back at her parents’ house.

“I remembered just being overwhelmed. I felt foolish and ashamed about what happened with my money. … I hid from all of my friends because I didn’t want to talk to them about what just happened. After all, I was always the friend that was good with money, then all of a sudden that part of my identity that I really connected with was gone.” – Tiffany Aliche

Luckily, one of her best friends insisted on checking on her. When she finally dared to talk to her, she realized that losing money and being in debt was just a normal part of everyone’s life in their twenties.

“’I am the dumbest person alive’ — this was how I was talking to myself. Then Linda came in, and she stopped me from saying these things. She made me realize that the financial struggle I went through was something that so many of us are experiencing. What she did gave me the permission to forgive myself.” – Tiffany Aliche

When she finally decided to forgive herself, Tiffany was also able to let go of shame, which is one of the worst emotions to have. It locks you away from finding your joy and allowing the world to see your true potential.

But more importantly, forgiving herself was also the key to becoming a financial success.

“I grew up in a household where financial solutions were taught to us. So I asked myself, ‘Why not just pick yourself back up and start working toward what you know how to do, like start budgeting and saving again?’ So from there, I started to help friends, then friends of friends. That’s where the Budgetnista was born — from a space of wanting to create a safe space, especially for women who are struggling through their journey.” – Tiffany Aliche

Through the financial tragedy that she went through, Tiffany built a safer path for other women to follow. Today, many of us won’t feel that we’re on our own because her story is proof that one can triumph over a financial disaster.

Get Good With Money

Many of us may have issues with money that we don’t know how to solve. Get Good With Money is the book that Tiffany wrote to help others be in charge of their lives again. But beyond that, Tiffany believes that it can show other women the path to financial wholeness. When asked how, she explains,

“The book offers ten simple steps to becoming financially whole. This financial wholeness is really the foundation for the rest of your financial life.” – Tiffany Aliche

What are these blocks that build your financial foundation? Tiffany says it’s budgeting, savings, debt, credit, learning to earn, investing, insurance, network, financial professionals, and estate planning. These are what she believes can help one get good with their finances.

The book also starts with the importance of mindset. Tiffany believes that to be successful, you must think that it’s not just possible, but essential for what you’re trying to accomplish. If you ask her what sets this book apart from other books on the topic, the Budgetnista has her answers.

“I wrote it in a way that you could follow the chapters or you can stick to those that really move you. I wrote it because I wanted to leave a legacy behind when I’m not here anymore.” – Tiffany Aliche

The book also includes worksheets and exercises so readers can map out exactly where they want to go with their situation. In this way, readers can feel Tiffany walking them through the step-by-step of what their version of wholeness looks like. It’s very much needed if you want to set yourself up financially, and if you want advice from a black woman’s perspective.

Get Good With Money shows that Tiffany is on top of her game when it comes to having a high level of financial literacy. Because of her experience going through a tough financial time, she is now able to share her message with us.

How Self Love Can Be Your Key To A Financially Successful Life

If there’s someone in Tiffany’s life who also inspires her in this advocacy, it is most likely her daughter.

“When I was her age, I was really self-conscious about my skin color. I didn’t think it was attractive. I thought it was ugly to be dark. But with my daughter, you can’t tell her anything. … She is super chocolate, and very proud of it. She hashtags “pretty girl gang” at the fact that she feels that way about herself.” – Tiffany Aliche

Her daughter’s pride about her appearance reminds Tiffany of the importance of being true to who you are. It also reminds her about having unconditional love for oneself and what one ought to be. She believes that this feeling of self-love is crucial to one’s financial success.

“When we don’t feel good enough, we have the tendency to overspend. We’re filling this hole because we’re seeking attention with what we think money can do.” – Tiffany Aliche

I want everyone to reflect on these words for a while. Isn’t this true? We spend money when we believe it will protect us from being left out or feeling not loved, but that is just a false belief. We can find money everywhere, but unconditional love for ourselves is what we really need to be happy.

“It spreads to so many parts of your life when you are not in alignment and not well with yourself, you know? People think that what I teach is money, but really it’s just the surface. What I’m really wanting is for everyone to live a more prosperous, holistically, and better life. Learning money is like the dangling carrot as a tool because I know it’s the thing that people want to learn.” – Tiffany Aliche

I absolutely love Tiffany’s words. It’s true that we need money in this world and that it is a valuable tool. However, when we start looking at money as something that will make us happy, we’ll be disappointed when the next raise doesn’t happen or when our salary isn’t high enough. You can get paid millions, but if you don’t love who you are and what really makes you happy, you will never be satisfied.

So love yourself unconditionally, find what it is that truly makes you happy, and pursue it. You will be more prosperous than any millionaire because deep down in your heart, you will know that the reason for this happiness is something money can’t buy.

Get Loved Up With Tiffany Aliche

Tiffany’s words are genuinely life-changing. Just imagine what your life would look like if you had that kind of wisdom.

This interview was such a treat for me. I appreciate everything that Tiffany Aliche does for us. We need more people like her to encourage us, inspire us, and motivate us to live our best lives. Her life exudes spirituality, wellness, and entrepreneurship, and that’s what Get Loved Up is all about. She’s such a blessing, and I hope you were inspired by this interview. If so, tag Tiffany, @thebudgetnista, and me, @koyawebb, on Instagram with a screenshot of the episode and your most significant takeaways. We would love to hear what you learned.

Also, if you are interested in learning more about how Tiffany got good with money, you should buy her book, Get Good With Money, today. It’s a New York Times bestseller and a great read to give you all of the tips and tricks to find financial freedom. And if you want to hear more from Tiffany, check out her website. You can also connect with her on Instagram, Facebook, Twitter, or Youtube.

So go ahead and get good with money. Nothing is holding you back from a better life except yourself. Love yourself enough to start improving your life today and see all the changes that happen by simply following Tiffany’s advice.