Are you broke? We're not talking about broke with $500+ in the bank; we mean so broke you're looking in the sofa for spare change. This week Danielle Desir from The Thought Card is talking to us about budgeting and using that power to finance travelling. WTFJamOfTheWeek: For The Love of Money by The O'Jays Download the WTF?! IDK Podcast Jams Playlist on apple music https://itunes.apple.com/us/playlist/wtf-idk-podcast-guest-groove/pl.u-76oNkmBtWdxgpr [Episode Length: 56:49] On this episode: Acknowledging and celebrating small victories Advancement in society and money Who is making the most money based on age groups (spoiler alert: IT AIN'T MILLENNIALS!) Why millennials struggle to save money Scarcity mindset Flexibility of budgeting How to begin budgeting Automation to help keep spending regulated How to utilize surprise or bonus money Making the commitment to travel Solo travel tips Best mobile carrier for travelling Join the conversation on your social app of choice (@wtfidkpod) and use the hashtags #wtfWednesday and #OwnYourIsh. Catch up with our guest, Danielle, on her blog The Thought Card or on social media at @thethoughtcard Sources https://www.theguardian.com/world/ng-interactive/2016/mar/07/whos-winning-find-out-how-your-income-compares-with-every-other-generation Credits Writer and Producer Krystal Chatman Executive Producer: Melvin Robinson Music: Andres Wallace Guest: Danielle DesirSpecial Guest: Danielle Desir.

Adulting got you down? Need to find a way to relax that isn't crawling into a bottle of your liquor of choice and refusing to come out? Don't fret, this week Krys has a chat with Monica from the YOU WANNA DO WHAT?! Podcast about ways to increase the fun and lessen the stress in your life. Looking for fun date ideas? Yup, we have those too. [Episode Length:39:35] WTFJamOfTheWeek: Summertime- DJ Jazzy Jeff & The Fresh Prince On this episode: How Americans are loosing money by working too much Why adults refuse to let loose Work/life balance Benefits of playing as an adult Having fun on a budget Tips on ways to relax and enjoy time off/have fun Fun date tips What are some creative ways you like to have fun? Join the conversation on your social app of choice (@wtfidkpod) and use the hashtags #wtfWednesday and #OwnYourIsh. Catch up with our guest, Monica, on her podcast YOU WANNA DO WHAT?! available where ever you listen to podcasts or through her website at www.youwannadowhat.com. Follow her on social media at @youwannadowhat and @youwannadowhat1 (on twitter). Tips for adding more FUN to your life: Go where your gas tank will take you Utilize cheap resources like megabus Try in small bursts to make new experiences for yourself Be willing to exchange material things for experiences Do something you’ve never done before Don't foreget about groupon and livesocial deals Sources 1.The State of American Vacation: How Vacation Become a Casualty of Our Work Culture https://projecttimeoff.com/reports/the-state-of-american-vacation-how-vacation-became-a-casualty-of-our-work-culture/ Additional Reading Play Doesn't End With Childhood: Why Adults Need Recess Too by Sami Yenigun https://www.npr.org/sections/ed/2014/08/06/336360521/play-doesnt-end-with-childhood-why-adults-need-recess-too Credits Writer and Producer Krystal Chatman Executive Producer: Melvin Robinson Music: Andres Wallace Guest: Monica RiveraSpecial Guest: Monica Rivera.

Do you have a dream or vision for your life? Do you want it so badly you can't think of anything else? Is your vision for yourself all you talk about? Kudos to you, but before you snap your wrist patting yourself on the back, what have you done to make your dreams reality? On this episode I discuss what it takes to bring your dreams to fruition (spoiler alert: You have to HUSTLE). If "the dream is free but the hustle is sold separately" is a quote that rings true, what collateral are you putting down for your dreams? (Episode Length: 29:35) WTFJamoftheWeek: "Git Up, Get Out"-Outkast On this episode: Dreaming v Planning How to convert dreams into an actionable plan Hindrances to The Hustle Raynell "Supa" Steward and her authenticity How to Hustle Know Thyself. Keep your plan simple. Be willing to hustle alone. Work. Sensei of Uncertainty: Dwayne "The Rock" Johnson What are YOU doing to stop scheming and dreaming and make your visions reality? Let us know on twitter, IG, or Facebook (we're @wtfidkpod on all three). Be sure to use the hashtags #wtfWednesday and #OwnYourIsh. Questions and comments can be sent to [email protected] Sources Lazy Man's Dream (A Tale from Laos) Tell Me a Story https://www.uexpress.com/tell-me-a-story/1999/6/6/lazy-mans-dream-a-tale-from Credits Writer and Producer Krystal Chatman Executive Producer: Melvin Robinson Music: Andres Wallace Researcher: Larekia Brown

Are you a legal adult (at least 18 years old) and still living with your parents? Are you a parent of a legal adult that just can’t leave the nest? Do you have feelings about it? ...There's no doubt you do. With the major shifts in the US economy, many adults are finding themselves unable to move out of their parents home. Is it because they're bummish? Nah. For many of us the economy is just that bad. We sit and chat with ιαrεκiα Brown and discuss what it is like to live as an adult with the adults that raised you and tips to survive all the inevitable drama. (Episode Time 32:22) On this episode: Is moving back home a "sign of failure" or "step up to greatness"? Being a roommate to your parents or mooching off them How to ensure you're the roommate and not the dependent Benefits of living with your parents Is the living at home "shame" exclusive to America? Michael B Jordan's decision to buy a home to share with his parents 5 Steps to Make Living with Parents Easier Have a plan and exit strategy. Create a contract with your parents- essentially treat them like roommates. Discuss frustrations with your parents openly. Show your parents the respect they're due. Stay focused on #1 (yourself and your overall plan) Join the conversation on your social app of choice (@wtfidkpod) and use the hashtags #wtfWednesday and #OwnYourIsh. Show notes are available at www.wtfidkpod.com Link up with our guest, ιαrεκiα Brown on all social media at @browniemyx Sources: http://dailycaring.com/these-funny-dementia-stories-had-us-laughing-out-loud/ Credits Writer and Producer Krystal Chatman Executive Producer: Melvin Robinson Music: Andres Wallace Guest: ιαrεκiα BrownSpecial Guest: ιαrεκiα Brown.

You have a growth mindset and have harnessed the power of no, now what? You need to start minding your business. In this episode we address the absolute joy that will enter your life when you stop concerning yoruself with the affiars of others. On this episdode: Why roommates aren't always a good idea How to stay in your lane when forced into the spotlight 5 Reasons You Should Mind Your Own Business Secret Keeper Extraordinaire, Beyoncé How to go about the task of minding your business Join the conversation on your social app of choice (@wtfidkpod) and use the hashtags #wtfWednesday and #OwnYourIsh. Show notes available on https://www.wtfidkpod.com 5 Benefits of Minding Your Business Ain't nobody asked you for your input! You don't know what really happened (in a given situation). The situation does not affect you. What works for you does not necessarily work for others. Worrying about others is a major investment. You have time to work in your own projects. Sources “7 Tips for Minding My Own Business” Gretchen Rubin Forbes Website Address “https://www.forbes.com/sites/gretchenrubin/2011/06/09/7-tips-for-minding-my-own-business/#45f550566a75” “Mind you own business: how to avoid the bs and boss up” Tiffanie Bernard. Boss Babe. Website Address: “http://www.bossbabe.co/mind-your-own-business/” Credits Writer and Producer: Krystal Chatman Executive Producer: Melvin Robinson Music: Andres Wallace

Had a plan and it fell completely apart? Whether you accepted failure gracefully or not, having to scramble to create a Plan B after Plan A didn't pan out is taxing to say the least. On this episode, I have a conversation with Coach Otis Riddley about what failure can do to you mentally and how to make sure you can bounce back successfully. On this episdode: Transitioning after failure Depression and coping with failure Finding your passion How manners (still) matter Building confidence in kids/young adults Being confident when asking "why?" Steve Kerr and his comments regarding the NFL Join the conversation on your social app of choice (@wtfidkpod) and use the hashtags #wtfWednesday and #OwnYourIsh. Follow Coach Otis Riddley on all social at @coach_o Need a Plan B immediately? Here are 4 steps to help you get there faster. Accept your (or your plan's) failure. Focusing on what went wrong and why too long will only slow you down. Determine what you wouldn't mind spending the rest of your life doing. Find a career option in (or adjacent to) that field. If you are unable an opening in that exact field, look into volunteering opportunires or an internship. It would be ideal to go into your passion making money, but if that is not possible, networking and meeting the right people can put you in a good place in the future. Utilize mentors and supervisors to learn as much as you can so you are able to perform at your greatest level in this new role. Excel! But always keep in mind nothing is guaranteed, so formulate a Plan C just in case. [Length: 37 minutes, 6 seconds] Credits Writers: Sonya Bolls and Krystal Chatman Executive Producers: Krystal Chatman and Melvin Robinson Music: Andres Wallace Guest: Otis RiddleySpecial Guest: Otis Riddley.

Do you often find yourself in places or situations you don't want to be in, but were too nice to say no in the first place? That's a serious prolem and on this episode Krys with guest Andrea Thomas are going to get you one step closer to saying no with confidence. [Note: the sound is sketchy in some places] On this episdode: How being a yes woman/man can result in manipulation The Power of the word NO 6 Things You Should Say No to Starting Today 6:00 * Social Pressure * Negative Pressure * People that are not good for you * Jealousy * Being a work slave * Negatie Energy Why people have difficulty saying no 15:31 Why setting boundaries is important and essential to saying no Why you need to say no to your mom 16:37 Self-Awareness and saying no with confidence 25:40 Drake's secret baby fiasco 34:45 Cheat Sheet 41:00 Join the conversation on your social app of choice (@wtfidkpod) and use the hashtags #wtfWednesday and #OwnYourIsh. Show notes available on https://www.wtfidkpod.com Follow Andrea Thomas on Social @supersmartchick 5 Steps to Saying No with Confidence Become self-aware Adjust your inner circle. Practice saying no. Don't backtrack once you set boundaries. Drink water. =) Sources “Horse” Life Lessons: Funny Stories and Anecdotes That Will Make You Laugh Website Address: https://letterpile.com/humor/Life-Lessons-Stories-That-Will-Make-You-Laugh “The Power of No: 12 Things to Say No to Today” Slideshare Website Address: https://www.slideshare.net/JamesAltucher/the-power-of-no-36962678/6-3_Saying_No_to_People The Power of No by James Altucher Credits Writer and Producer: Krystal Chatman Executive Producer: Melvin Robinson Research: Larekia Brown Music: Andres WallaceSpecial Guest: Andrea Thomas.

Unhappy with your current level of adultling? Ready to level up and #OwnYourIsh? The first step to adjust and adopt a growh mindset. What's that and where do you get one? This episode gives you the quick and dirty on how to answer both of those questions. On this episdode: Fixed versus growth mindsets: 4:50 A Moment in WTF: 6:10 Will Smith's view on mindsets: 9:11 Cheat Sheet 12:55 Join the conversation on your social app of choice (@wtfidkpod) and use the hashtags #wtfWednesday and #OwnYourIsh. 3 Steps to Achieving a Growth Mindset Become self-aware Learn from failure Be tenacious Sources “The Black Dot” 5 Short Stories That Will Completely Change the Way You Think. “http://consciouspanda.com/5-short-stories-that-will-completely-change-the-way-you-think/” www.mindsetworks.com “Spilling Salt” Wikipedia, The Free Encyclopedia. “https://en.wikipedia.org/wiki/Spilling_salt” Growth Mindset: The Science of Achieving Your Potential. Riskology https://www.riskology.co/growth-mindset/ Credits Writer and Producer Krystal Chatman Executive Producer: Melvin Robinson Music: Andres Wallace