Nadia Vanderhall
@NVKnows
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Multi-Hyphenated Financial Planner + Educator who also tweets random song lyrics, Economy, Culture. š .Seen In: USA Today - Bloomberg - MSN, CBS News, etc.
Charlotte, NC, USA
Joined October 2010
I didnāt learn about money when I had itāI learned when I didnāt. Working at 3 financial institutions showed me both sides of the coin: how money works and how it's marketed to you. Thatās why Iām so passionate about simplifying financial planning for everyone.
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I think I need to add āas seen on @GMAā to my website and media kit. I didnāt know when it was airing, but Iām grateful someone got a picture of me talking about āCash Only Weekendsā to help with your budget and cash flow! Thank you, more please!šš¾
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STOP ANNOUNCING TOURS AND HAVING THE PRE-SALE THE VERY NEXT DAY!!!!!!!
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āI spent countless hours watching and editing..ā - Stevie Wonder is a foolšš #BETAwards
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My Millennial heart was happy with that 20 year shuffle of performances! Whew ā a time in music! Hopefully the BET Awards keeps this vibe the whole show! #BETAwards
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This new Clipse made my heart smile. So happy to hear No Malice again. This is about to be a fun project I can feel it. *hits repeat to hear the Easter eggs..
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What are your personal recession indicators? When do you feel it before the headlines say it? Drop yours. Letās yapp about it.
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We get into recession indicators moving from hashtags to harsh reality in my latest newsletter: ⢠What recession indicators really mean ⢠How to spot shifts early ⢠Steps to recession-proof your money now Read:
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Hereās what can help right now: ⢠Recheck your baseline budget ⢠Rebuild your emergency stash ⢠Track whatās essential vs. whatās emotional ⢠Pause lifestyle creep before it takes over
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Economists watch interest rates. You watch your account say āpending deposit.ā Yeaaah ā ⢠paycheck to paycheck feels like paycheck to Monday ⢠Credit card balances creep up ⢠You need a payment plan for fast food ⢠Side gigs turn into survival gigs Side quests are a must!
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Forget the Fed. Here are some real recession indicators: - Black Eyed Peas are back on tour - Pack hair is flying off the shelves - Groceries are going on Afterpay - Dollar Tree = A couple dollars store - Convenience fees for bills that didnāt need to appear. Hashtag only, huh
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āLooks at bank account⦠yup, thatās my recession indicator.ā If Monica & Brandy are going on tour together⦠If Buy Now Pay Later turns into Canāt Pay Later⦠Some of us are already in our own version of a recession. š§µ
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Zillow just reported monthly home value drops in 27/50 states. This is no longer just a Texas/Florida downturn.
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Already got Part 2 on deck (IRS, overdrafts, collections š) Whatās a money f*ck ups you want me to break down in this series? š„ Full video:
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I let lifestyle creep run me. Not TLC either. Even when I made more, I spent moreāthinking I had āroom.ā Swiper was swiping. Now? I treat saving like a bill. I track my money every 2 weeks. And I read my benefitsābecause you canāt grow what you donāt understand.
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Emergency fund? Who? Whet?! I didnāt negotiate severance. I didnāt tax plan. And my unemployment? Took months. It was the trenches. So I panicked and cashed out my retirement early early. Wasnāt much in there to start with. IF I had 1 month saved?! Babyyeee.
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I thought I had a budget. Nah. I had vibes not even a spreadsheet. Plus my parents taught me about money. At $10.71/hr, I was tryingābut not planning. When I got laid off, everything fell apart. I would've told myself: bish stop playing & build a budget that works. Shit.
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Mind you, this was from my 20s ā This aināt āstop buying Starbucks.ā My f*ck ups were real: š« No emergency fund š§¾ A budget that didnāt budget š Not tracking spending šļø Lifestyle creep š Not even checking my job benefits All while acting like I had it handledā¦
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I learned about money when I didnāt have any. Likeā¦unemployment delayed, retirement CASHED out, overdraft lifeānone. So I made a video breaking down 5 of my biggest money f*ck ups šš¾ And what Iād tell my 20/30-something self if I could run it back. Chile..
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