D.E.M.O. with MO
D.E.M.O. with MO
Dollars and Sense: The Art of Budgeting
Money talks – but are you listening to what yours is saying? That's the essential question addressed in this thought-provoking conversation between Monique Simmons and Tax Associate Breonna Dear.
Breonna, with her extensive background at financial giants like JPMorgan Chase and Deloitte, breaks down the intimidating world of personal finance into digestible, actionable wisdom. Her journey from a young saver to a tax professional offers a relatable backdrop to the practical advice she shares throughout the episode.
"A budget is basically just where you're telling your money where to go," Breonna explains with refreshing clarity. This simple yet profound perspective frames the entire discussion as she walks listeners through creating a "financial snapshot" – the crucial first step toward monetary control. From establishing emergency funds to developing consistent saving habits, her guidance feels less like rigid financial advice and more like a supportive friend helping you navigate a challenging but necessary path.
The conversation takes a particularly compelling turn when addressing how couples with different money mindsets can find harmony. "Both parties need to be on common ground," Breonna advises, suggesting that while approaches may differ, shared financial goals can bridge those gaps. Her recommendation for "financial date nights" offers a practical solution to what often becomes a relationship stressor.
Parents will appreciate the segment on teaching children about finances – starting around ages 9-10 with basic allowance management and guided spending decisions. As Breonna points out, schools rarely provide adequate financial education, making this parental guidance essential for raising financially literate adults.
Whether you're struggling with debt, trying to build wealth, or simply hoping to gain control over your financial future, this episode delivers practical strategies without judgment or complexity. Subscribe now and join the conversation that could transform your relationship with money forever.
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what's up guys? Welcome to demo with mo. I'm your host, monique simmons. We'll be discussing dating, engaged and married objectives from a young christian's perspective. Are you guys ready?
Speaker 2:let's dive in hey, what's up guys. Welcome to a new episode of Demo with Mo. I am your host, monique Simmons, and today we are going to be discussing budget and finances. And today I have a special guest joining me.
Speaker 2:Born and raised in Jackson Mississippi, ms Breonna is a proud graduate of the I Love Jackson State University, where she earned a coveted bachelor's and master's degree in accounting. This ultimately led her to achieve opportunities in the industry for some of the largest financial and accounting firms in the world, such as JPMorgan, chase Bank and Deloitte. These opportunities have given Breonna the chance to expand upon her natural anointing for personal finance and budgeting. Growing up, she found herself having a passion for saving money and budgeting, which ultimately led to her having the position where she is today, as a tax associate at a local CPA and business advisory firm. Outside of work, she also participates as a proud assistant accountant at her church's will. Breonna believes that personal finances are essential in building opportunities for yourself to grow and is excited to share her experiences with everyone interested in learning. I introduce to you Ms Breonna Sears. Thank you so much for joining me today, bre. I appreciate it.
Speaker 3:No, thank you so much for having me Excited to be on and chatting with you today.
Speaker 2:Awesome, thank you, thank you, thank you. And for those of you who are listening, her name is Brianna, but I do call her Bri for short. She goes by Bri for short. Brianna and I, we are church members, we go to church together. So I love Bree, I love Bree. Bree, as we jump into our conversation for today, I usually start off the conversation with my kids with one just a little icebreaker. Just a little icebreaker, nothing too difficult icebreaker, just a little icebreaker, nothing too difficult. What is one?
Speaker 3:funny or unique thing. Most people may not know about you. Funny or unique thing. That's a little tough, funny or unique you need, I don't know. I would say I am goofy. I am a goofy person. I love to laugh. Yeah, I love to laugh. If something like is really funny, I'm the one like I'll be laughing, like if it's really funny. I'm really naturally like a goofy person okay, that is good to know.
Speaker 2:Okay, you are goofy, okay. So our first question here to jump into our conversation about budgets and finances what was your experience on finances growing up Like? Were you taught about them? Was it like a stressful topic in your house?
Speaker 1:growing up?
Speaker 2:was it something that wasn't discussed? Was it like on the hush hush? Was it something just the adults handled? Were you guys involved in it? It's key. It's like what was your experience around the subject of finances when you were growing up.
Speaker 3:So my experience growing up, we didn't necessarily have a discussion about it so I actually went on my own. So I kind of more so like how my mom was. She used to kind of tell me a little bit about money and stuff like that. Tell me a little bit about money and stuff like that because you know she always be on on me to like you always gotta work hard and everything. But my experience growing up, I think my mom used to give me a little bit of allowance money and I remember she gave me like um, like I had like this toy box. It was something I had and I remember putting money in there and I literally keep it in there.
Speaker 3:I practice saving, as you know, as a little child growing up. But because of my surroundings and how I grew up and I saw how my family was around finances and how it was important that I never wanted to. I had to learn about money because I always had to have like a safety net because I didn't have, you know, I didn't have that support kind of like cause my, you know my mom kind of taught us to. We had to learn how to work hard and save and everything like that. So it really wasn't a discussion growing up so I it was something I definitely had to learn. But. But I would mention that my mom really did kind of teach me about it but I just expound on it and just kind of learn more practical ways of doing it, like with saving and everything okay.
Speaker 2:So when you say your mom taught you about the working hard aspect, what I'm hearing you say what you learned more from your childhood, or from your mom or growing up, was how to make the money, but you kind of learned as you got older how to like manage the money yeah that you were made yeah okay, I got you, I'm with you.
Speaker 2:I'm with you, okay. So my next thing I want to know how did you get started in your career and if you can expand more on what exactly you do. What is your career and how did you get started in your career field?
Speaker 3:okay, sure, so I'm gonna go back to like when I graduated. So I graduated from Lanier, so at Lanier, the Heinz Community College. So at the high school I really didn't know what I wanted to study. Really I was just like, hey, my mom like I need to get a job, either go to work or we had to go to school. So those two things like my mom used to kind of, you know, tell me, and my sister growing up, once we was done with high school. So I was like, okay, you know, I'm just going to go to school. And so because I really didn't know what I really wanted to do, so I went, went on to Heinz, stayed there for about two, I think two years, and then I went on to about two or three years. Then I went on to Jackson State.
Speaker 3:So at Heinz I did business administration. It was just general, because I always had a knack for business and just you know, I just wanted to learn something about it and I didn't have no other interests outside of that. So once I kind of did an application for Jackson State, once I was I started finishing up Hines and Jackson State had a transfer day. It was right around the time I was getting ready to graduate from Heinz, just they had a transfer day. So I went to their transfer day. Mind you, you know, my major is still technically business administration. So the transfer day, they had all the professors in there from the different departments of the school. So I had went to the College of Business and so the two representatives there were like two accounting professors and so they, long story short, they kind of talked me into it.
Speaker 3:But really when I was in Heinz I did like basic accounting classes and I actually had a teacher that actually I literally did well on all her tests, had an A, and she literally wrote on my last exam. She was like you should be a CPA, which is a certified public. So it was always something that kind of stuck out like, wow, you know, I never thought about it. So when I had talked to these accounting professors at Jackson State they was like, oh, you definitely need to go. You know, come into accounting because you know business administration, you know you're not that. But that was like you're not going to get a job, so go into accounting and everything. So but I always remembered what my teacher had told me when I was at Heinz and what she wrote on my my paper because I had got like a. I got an A and she just wrote you should be a certified public accountant. So I said, okay, cool, I'm gonna do that. And so I transferred to Jackson State with majoring in accounting. So that's kind of how I got into accounting and I started going through the process and I had to start learning about interviewing, resume and you know I had to learn about a whole lot of different things. Imagine that I was never taught in community college, so I had joined the Accounting Society at Jackson State and through the Accounting Society, it's this organization called NABA, which is the National Association of Black Accountants. So each year they have like these regional conferences. Where they have is basically recruitment. So you have a whole lot of the top firms there, a lot of recruiters there, top firms there, a lot of recruiters there, and they make it like a process where you just submit your resume and you can have a whole. You know you can get interviews on the spot. So it's basically like this big thing.
Speaker 3:So I attended there my junior, I think my senior year, because I kind of got either junior or senior year, I can't remember, but since it was my first time coming in, I really didn't know, because I struggled a lot with trying to understand interviewing, so I didn't really do you know a whole lot of different things. You know, I didn't really get, you know, a job on the spot because you could get one, and so after that I just left, like I think that was during my senior year. I didn't get one, but I knew I was like, you know, I got to get something. So I went to graduate school, literally like the next two months or something, because we had like this thing we can go straight on into it. So I did that and I had a strategic plan of I was going to go back to that conference and I had. I went back to that conference and I redid my resume. I started to, you know, building up, like I just started practicing, you know, my interviewing skills and I submitted my resume and I was able to get three interviews on the spot going there.
Speaker 3:So the regional is in Atlanta, so I had to go to Atlanta because they had like this regional conference. So I I was able to get three interviews on the spot and one of them was JP Morgan, and so so they had JP Morgan had this program which was called Global Finance Business Management Analyst Program. So it's a two-year program. It's a rotational program where you get to work in a different department within those two years to kind of get accustomed to the bank and you essentially a full-time employee. You're working as an analyst. So I was able to kind of go through there.
Speaker 3:But long story short, that's how I was able to get my first position. So I interned with them over the summer. Then I was finishing up grad school, but I was able to go. I got a full-time position with them. So I had to move to Texas.
Speaker 3:So that's kind of essentially how I kind of got started. It wasn't really in accounting, it was more so a little bit of finance but a little bit of technology work too. So it's kind of a mixture of both and I kind of got introduced to asset and wealth management, knowing about assets and learn about more so technology and all those things. So did that. For two years I worked in the asset wealth management part and then my last year I worked in the commercial bank. So it was still it was still good and I kind of got my exposure. I started to I kind of worked in the PPP loan process, I was like I was doing different little and um, it was good exposure.
Speaker 3:I really started developing my professional skills and after those two years was up, during my second year because, know, it was just a two-year rotational program I had to figure out what I had, what I wanted to do next, and so I knew I still wanted to be a CPA. So a CPA is basically to be one. You have to take this four-part exam. So I'm still I'm not a CPA yet, but it's something I'm still kind of working towards. But I decided that I need to go to a big, I need to go to a accounting firm. I want to get exposure, I want to get back in like I wanted to do tax, and that's how I went to Deloitte. So Deloitte is like one of the top accounting firms in the world.
Speaker 3:So during that time I was doing consulting, but it was tax technology consulting. So I wasn't actually doing like the tax preparation. It was more so of I was helping the people who was actually doing tax returns from a technology standpoint. So it was pretty cool. It was a lot, a lot of work, a lot of hours, and I was like you know, this is not for me. So I had to go. So I had to go.
Speaker 3:I finished up a year and I was in a period where I was like you know, I really need to reset. And I started to say, you know, I moved back home and I was able to. Prior to moving back home, I was able to get a position at a local accounting firm here where I'm actually doing taxes. So I'm actually doing, I'm a tax associate for I'm a tax preparer for construction clients. So construction clients those are my main clientele. So basically I do their business returns and then I do the individual's tax return alongside with their family, so just kind of like so individual business tax returns for construction clients. So that's kind of the situation where I'm at right now Got you.
Speaker 3:I hope it wasn't too long, but I just had to kind of no, no.
Speaker 2:Thank you for sharing that. And I love your journey, like I love that you took me from graduating high school all the way up until now, and I love to see your journey that got you all the way to where you are now. I just love the. I love the journey. I love, I love the journey. I love that everything has led you to where you are now and I feel like it's exactly where you're supposed to be like, exactly where God wants you to be right now, at this moment.
Speaker 2:And it was beautiful to hear. I mean, I loved it. I love the story, I love again, I love the journey. I love the journey of it all. So we're discussing budgets and finances. I want to ask you like a basic question, because I know there are some people that are going to be listening who have no clue. Like I want to make sure that I hit everybody, like people who do everything and kind of know, and people that are starting from scratch and have no idea know, and people that are starting from scratch and have no idea. What is a budget for those who are looking to want to start budgeting to help their kids? Like how you said, like with your childhood, like your mom taught you how to make money but as you got older, you had to learn how to manage that money. What is a budget?
Speaker 3:A budget is basically just to kind of to make it plain, I like to say it's just basically where you're telling where your money is going, Like it shows you where your money is going. It's a way of you organizing your money. That's what it is.
Speaker 2:Okay, okay. What app or tool do you recommend to use to get started on budgeting? Okay, okay. What app or tool do you recommend to use to get started on budgeting?
Speaker 3:Okay, so I will say I personally don't use apps. What I will really say the easiest thing for someone who really not, you know, just start from scratch, is to really do a pen and paper really not, you know, just start from scratch is to really do a pen and paper.
Speaker 3:You could do a pen and paper I do, I do a mixture of both, but I want to kind of. Maybe it's best to do pen and paper when you just starting out, just to build the habit, and so you can get like a regular notebook. You can get a composition book. I've seen some people do a composition book, just create your own, and they do have like small business out there. They actually sell like budget planners and stuff. But I kind of essentially just do do it on my own. So basically you um, write your income and then you put all your expenses, so how much you make in a month. You put that in for your income and then you write out all your expenses, so a little thing that you know. Maybe it helps if I could just say kind of where you know what I do, so what I'll do for a given month, right, so I take all my income, how much money do I make per month? But I also split per check, so how much I'm making this, this paycheck, what are my expenses, and so I think even further from that, so it won't get so confusing. You want to list out where you at financially. So it's a um, a lady that I follow that kind of helped me a little bit with a lot of personal finance and it's her um, I think. She has a podcast it's called break, break your budget and she has a budget yep, break your budget and she has a lot of good budgeting tips and she also has budgeting tools on there, like digitally, that you know I even myself have purchased and I use. But basically she came, she talked about creating a financial snapshot and it really makes sense. So basically, you list out all your income, all your expenses, how much debt, list out every debt you have and how much savings that you have. So once you kind of list all those things, all your expenses, you know every like per month even, you know, just list everything down on your sheet of paper to see where you at financially, then you want to kind of create a goal to see, okay, what is the goal? I I love to do like yearly goals and sometimes I do like monthly goals that leads up to that yearly goal, and so to really make it simple, like for me, now I'm on a debt payoff journey, so my goal now is to pay off all my credit card debt, and so what I essentially do is I have my income, my expenses, and then I have my savings. How much savings do I have?
Speaker 3:So if you listen to a lot of financial experts people called experts or people who was in the field of finance they always talk about you, um, about having an emergency fund. So, which is very, very important, and so that should be. If you don't have an emergency fund, that should be your number one. Before you get into like any, before you start hitting out dead aggressively investing and all it, emergency funds should be number one. So emergency fund, um, but, like for me, I would put up about six to twelve months of expenses. So you need to how much your expenses is every month? And divided by, I say, three months, a lot of people say have a three month emergency fund, or six month or 12. So in my case, since I'm I'm really I'm single, so I really have to, I need like a six month emergency fund and now that I work to that extent, now I can pay off debt aggressively in that sense. But I also have to keep in mind that you know I'm also back at home. I actually moved back with my mom so I don't have like rent or anything like that, but I still give her money for a month. But I, you know, just so people won't you know what I'm saying you got to really look at your situation first to see how you can you know how much money.
Speaker 3:I call it what is called discretionary income.
Speaker 3:So discretionary income is when you how much income you make and minus your expenses, how much money is left over, so that money that's left over you can make a decision of okay, am I doing my emergency fund right now, or did I complete that, or could I add this to a debt, basically.
Speaker 3:So that's kind of a little bit basic and I think, understanding where you are financially first and then, once you get where you are financially first, then you go into okay, how much is my monthly income to see, you know, making sure that this is how much your paycheck is every time you get paid and you know at least that's your expenses.
Speaker 3:You kind of got to get a little creative, but that's kind of where the basic is. I don't want to confuse, but that's kind of like basic, what budgeting is and where I feel like if you start out. That's where you need to figure out where you at financially, how much income you bring in per month and per paycheck, and then the your expenses and then figure out OK, do you have a mercy fund? If you don't, then that needs to be a primary goal. Then if you, if you do, then you need to go towards that. So if you're done with the emergency fund, you're done with that, then you can start going to the next level, which could be increasing my retirement or short-term savings. You can put more money towards that, but you don't want to exhaust yourself trying to do everything at once. You got to pick one thing at a time, so that's kind of a little bit, you know. Hopefully that didn't make sense a little bit.
Speaker 2:So yeah, that was good, that helped me, thank you. Okay, we're sticking on the topic of budget. How can consistency and motivation be maintained with a budget? Because I've heard this talked about a lot, especially sometimes when you bring about a conversation of a budget, which I feel, like what you said earlier, like you need to be able to tell your money where to go, because if you don't tell your money where to go, your money won't tell you.
Speaker 2:I mean, it's just either or it's one way or the other. But how can consistency and motivation be maintained with a budget? Because a lot of people usually the people who don't want to do a budget is not just because they don't want to manage their money or they don't want to tell their money where to go. It's because they don't want to be constrained or they don't want to be able to not do the things that they want to do. How can you keep that consistency and that motivation for that person that that's doing the budget but not necessarily excited about it? Like, how can you keep somebody motivated to do a budget and stay consistent with it?
Speaker 3:I would say they would need to look at their goal. That's number one. What I do, I always look at my goal. Where do you want to be um, like if you did a year ago? Where do you want, really want, to be um at that place? You know, let's say, pay off, you know all your credit card debt or you know, or did you give up along the way? So I say a good motivation factor is to also look at your goal, but also to keep in mind, you know we kind of nearing a recession you also gotta think about, think about you know, think about the times where it was really tough. You know where they say you know you lost money or you did something. You don't want to go back to that place, and so that's also motivating a lot of people.
Speaker 3:That's also don't want to go back so that's another thing too, and those are like literally the best, the, the best, um, you know answers. I could really give for that, because I remember times where you know, I think back times where you know I had, like I may have lost some money or I couldn't do something because I, you know, I was doing paycheck to paycheck, and I remember those times and I never want to be in that kind of situation again, and so that's definitely motivating, especially because you don't want to be in the same position that you once were in.
Speaker 2:Yeah, that's real, you talk it, you talk it, you talk it. Let me ask you this because I want to now bring bring the the kids and the family, because I asked you about your childhood growing up how early should parents teach their children about budgeting, saving money, discussing finances etc. And where should we begin um, so that it is not overwhelming?
Speaker 3:I would say to teach kids when I was younger maybe I was probably about like maybe nine or ten, I would say I don't think it could be in middle school kind of, I feel like when they able to kind of comprehend a little bit more of things maybe you can kind of teach them a little bit of basic things, of giving them a balance and saying like, okay, we go to this store, you know, teaching them the value of, you know, a dollar and kind of you know it may have to be bit by bit because you don't want to over, like how you say, overwhelm them, but maybe it could be as simple as going, you know, to the store and giving them, you know, telling them to use their own, the money, you know, the allowance and stuff, and tell them, you know, get what you want and kind of teach them, examine them, you know, about the cost of certain things.
Speaker 3:You, you know, and you know you can't get this one. Maybe you can get this right now you can't get that, you know, just kind of bit by bit because you know I, you know they still a child and everything like that. But maybe that's just a step because you know you don't want to start introducing them to taxes you like. Oh, you got to pay taxes.
Speaker 3:You don't want to do all that, but I think you know that's definitely something I feel like school definitely is not going to teach them that and maybe this is something a parent you know have to be creative and just you know doing their own. I call it their own curriculum to kind of teaching their just you know doing their own. I'll call it their own curriculum to kind of teaching their kids. You know about. You know money, you know giving them an allowance and you know teaching them about. You know personal finance, you know budgeting and letting them create their own little budget. You know what, you know what stuff kind of go just bit by bit. You know, maybe not.
Speaker 3:You know, let them understand just the basics of like a dollar and you know money management, just like little basic things, so they can kind of build their understanding. And if they grow their discipline then they'll, you know, they'll teach them, they'll stay with them. Then you kind of go to the next step a little bit. You know that's kind of like the whole thing wasn't kind of all over the place, but it's just like bit by bit.
Speaker 2:Yeah, I get it. I get it. Yeah, in in research that I've done, from books I read or podcasts that I've listened to, most people have different views of money. What do you think helps set us up for success in relationships if we don't view finances the same way Like if you're in a relationship or marriage and you guys have completely different views around finances and budgeting and taxes or whatever anything around money. What do you think could help set us up for success?
Speaker 2:Because I'm sure you've worked with couples doing taxes, and so what do you think would help set us up for success when we don't view it the same way?
Speaker 3:um, I would start off saying this finance, I feel like, is a very important topic and, yeah, especially in a, you know, a relationship, and I feel like both parties, you know, have to be on a common ground, because if one person is saying this and another person don't believe in that and they do something else, your money's around the place and so it becomes disorganized and that could cause a strain. It could probably really cause a strain, but I would say, maybe get a little creative with it. Got to meet, I guess, on you know compromise and kind of see, you know, maybe taking a date night or something to kind of like talk about. Okay, you know, go have dinner and you know when I did this, talk about you know what, you know what's the money go that we have. You know, like I mentioned, like where we are financially, can we do to improve our finances in a sense?
Speaker 3:So I think compromise, you know both parties have to meet on it, but I also think maybe it is a conversation because you know one person definitely needs to both. You know both parties really need to meet on a common ground, because if you guys are on the same level, it could be more, so like we could use one income to pay our debt and the other one to save and invest. You can get creative with it, but if both parties don know it can, it can really cause a you know rift in the you know the relationship. I think that is a definitely like a a good conversation to have to see like where, where do we see see ourself in the next year or two from a financial standpoint?
Speaker 3:you know, so that's kind of like, I think, really having a conversation, you know a meeting. I hate to say like a I don't want to call it like a financial, but it is you know, to really see, you know, to really have a serious talk and say like, you know, what can we do to improve? You know our financial situation. You know where. You know, do we both? You know where we are financially. How much debt do we have? How much do we have in a emergency fund? You know.
Speaker 3:You know you know your whole family dynamic. You know what can you do to improve, know the fun your, you guys, financial situation. You know creating sinking funds, which is like saving um, saving for upcoming expenses. For you know, especially if you had kids, you know back to school, sinking fund kids clothes. You know organizing the money and say like, okay, let's come to a agreement on one thing, then we can kind of, you know, tap into other things. Maybe you guys do a vacation per year. You know you got to save up for that. You know vacation you got. There's certain things that has to be done to get to that main goal. So if both is not on the same page, there's a conversation that definitely has to be had.
Speaker 2:Amen, that was good. That was good. What I'm hearing you say is we need to have a conversation. Even though we view money or finances differently, even though we view money or finances differently our goal, we have a common goal. Our goal is the same. Our views are different, which means the way we get to the goal may be different, we may do things differently, but our goal is the same. So we need to communicate and have a conversation about how we're going to compromise to get to this goal.
Speaker 3:Yeah, exactly.
Speaker 2:I'm with you. That's good. I'm with you. I'm with you. I'm with you Because we can get on the same page, because we know that we are basically on the same team, because our goal is the same we want to pay our off debt. We want to go on this vacation. We want to get whatever the kids need. Whatever that goal is, our goal is the same. So because we view money different, we may have different ways of going about it. Of getting there.
Speaker 2:But if we talk about it and compromise and have a conversation about it, we realize that our goal is the same. You don't want something different than I do. We want the same thing, and that's how we can compromise, because we realize that we want the same thing. We're on the same thing. Okie dokie, good stuff, grace, good stuff. Okay, now the next question. What's something that you personally learned about finances later in your adult years that you wish you would have known sooner?
Speaker 3:I wish I would have built an emergency fund sooner in my early days, uh, rather than learning about a little later. See, saving was already kind of part of my uh journey, but not the emergency fund aspect of it, and I think if I would have learned early on, especially when I was like doing my time at well Jackson State just started with the little man that I had. Maybe, you know, I could have been better off like about I'll say about three years ago, but that that was one thing, that's one thing that's a good one that is a good one.
Speaker 2:Um, this is my last question before we close out if you could offer three pieces of advice so just give you a moment to think about it if you could offer three pieces of advice to help someone who may be struggling in the area of finances or just unsure where to start? What would you say?
Speaker 2:pieces of advice and it could be as simple or as basic, or you can expand whatever. If you could just give them three pieces of advice something that you may have wished you would have heard coming into finances, starting off as an adult, going out into the world, what's three pieces of advice you would offer to them?
Speaker 3:Okay. One I would say if you have a job and you don't understand anything about finance or anything, you're still kind of learning. Start just, you know, saving what you can. That's number one. I would say save what you can. Number two I would say say is to learn how to budget.
Speaker 3:Learn how to budget we in a day and age where it's a countless of you know tutorials and loud things, especially on youtube where they teaching about budgeting and stuff. So I don't think it's an excuse to not know because you have a whole lot of free content out there about it. But I would say it can get overwhelming because listening to too many people and that can also be a strain for you because you can't really listen to everybody, because everybody they say one thing and somebody teach you something. So it is a part of you doing your own research on it. But saving what you can, learning how to budget. And the third piece of advice I would say I would say do your research. That's that's what this do your own personal research, do your own personal research got it.
Speaker 2:This was so good. Thank you so much for your wisdom on budgets and finances. I really really do appreciate you agreeing to come on and talk with me today. This has been awesome. Thank you so much. Thank you so much.
Speaker 3:Thank you. I'm glad I was able to, you know, be on the show and I'm hoping hopefully somebody was able to get something. I'm hoping I'm not like too much all around the place, but I'm trying to.
Speaker 2:I don't know, ma'am, you have definitely. I don't know, ma'am, you have definitely dropped some jams today. Honey, you have definitely dropped some jams. If you guys have any questions regarding anything that we discussed today, you can reach brianna via email brianna if you would like to share your email for the girls to reach you yeah, sure.
Speaker 3:So it's brianna dear, so it's b-r-e-o-n-n-a d-e-a-r at gmailcom. I also want to mention back to those three advices. I would kind of want to change that. I want to say learn, learn budgeting. Then say then saving, then doing your own research. I had to mention that. Yes, ma'am.
Speaker 2:Again, great advice, Seriously great advice. Thank you so much for joining me again on today. You have given some great advice and some great gems on today. Thank you to my listeners. I hope you guys have enjoyed today's episode with our amazing guest, Ms Breonna Deer. Remember I love you, but God loves you so much more. And today was our season finale for season eight and we will see you guys in a couple of months for season nine. All right, guys, Bye.
Speaker 1:I hope you guys have enjoyed Follow me on Facebook at Demo with Mo. If you have any questions you would like answered here live on my podcast, email them to me at demow with mo at gmailcom. That's D-E-M-O-W-I-T-H-M-O at gmailcom.