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Broke is Boring

Broke is Boring

De : Jane Freund and Tiffany Baker
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 Broke is Boring is the no-fluff, no-filter podcast for women who are done settling—for less money, less freedom, and less life. Hosted by Jane and Tiffany, two moms who traded survival mode for CEO energy, this show is your permission slip to want more—and go get it. We’re ditching dusty money myths, calling out the “play it safe” culture, and spilling the real tea on wealth, freedom, motherhood, and building a life that actually lights you up. Whether you’re scaling your biz, starting over, or just sick of broke energy in your circle—this is your space. Expect raw conversations, real strategies, and a little sass as we normalize big money, bold moves, and designing a life you’re obsessed with. Buckle up—broke is boring, and you’re not. Disclaimer: The Broke Is Boring podcast is intended for informational and educational purposes only. The views expressed by the hosts and guests are their own and do not constitute financial, legal, medical, tax, or professional advice. The content provided is based on personal experience and opinion and should not be considered a substitute for professional consultation. Always seek the advice of qualified professionals before making decisions related to finances, business, health, or legal matters. We may occasionally discuss topics such as entrepreneurship, network marketing, investing, real estate, travel, and income-generating opportunities. These discussions are for illustrative purposes only and are not guarantees of results. Individual outcomes will vary. In compliance with FTC guidelines, please note that this podcast may include affiliate links and promotional content. This means we may earn a commission or receive compensation if you choose to purchase products or services through links mentioned in the show or show notes. We only promote products and services we genuinely believe in. By listening to this podcast, you agree that the hosts, guests, and affiliated entities are not liable for any loss or damage incurred as a result of the information provided. All content is provided “as is” with no warranties and confers no rights.Copyright 2025 All rights reserved. Direction Développement personnel Economie Management et direction Parentalité Relations Réussite personnelle
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    • 26: AI is the New Homeschool Mom

      26: AI is the New Homeschool Mom
      Oct 20 2025
       Welcome to Broke is Boring. The podcast where we stop glorifying the struggle and start talking about what really matters. Freedom, living life on your own terms and the money you need to make that happen. We're your hosts, Tiffany and Jane, and we're two mamas who love making money and spending it on the things that truly matter to us. So pull up a seat at our table and let's get into it because Broke is boring and we are here to prove that money does in fact buy happiness. 1, 2, 3.  Welcome back to Broke is Boring, and today we're gonna talk about how AI is the new homeschool mom and she doesn't need coffee or a break. I use AI so often and I think it's really interesting to utilize it in a way that makes us better parents and better homeschool mamas. The truth is it's not going away. It is not. It's only gonna get stronger, faster, better. So we just have to adapt with the times. And I found this really cool little chat g PT hack I wanna share because it has changed our bedtime routine. So you can go into chat, GBT and I say. Help me come up with a, you can pick the time, five minute bedtime story for my 5-year-old son, Luca. And then I ask him who he wants included in the story, and he'll go up and name these ridiculous things because he thinks that's hilarious and I ask it to end. And in a positive light. So he's ready for bed and it sends him on these wild adventures and then always wraps it up as and sends him off to bed. And it's just a FA fun way because I'm not that creative, especially at eight o'clock at night after a long day of momming. And so Chacha, bt just kind of takes that over for me, and it even has sound effects because I have it read it aloud. I miss that. I miss saying that. You can have it read aloud and it even like enunciates different words and so it just reads the story to us and we lay in bed and close our eyes. Okay, so I have definitely used the prompt to make my own, make the bedtime story customize for my kiddos. I have never had it read out loud. That is amazing. I think he may have just changed my life. Yeah, you can use it for anything. And so we're going on these world cruises and so I can say write a, you know, story about, because he's five, right? So he's gonna do different types of work than your kids. But, you know, write a story about wherever we're going, pick a destination, include, historical fiction, make it historical fiction. Include my child in it and include different animals that they have there and highlights of those places that we're gonna see. And put it at a, you know, at their age reading level so they can even read it on their own or do the read aloud like we do. And you can even just take the, that text and go put it on. A blank piece of paper and maybe they'll make a storybook out of it. You can have them draw the illustrations for it. There's so much you can do with AI and it's all free for you. Yeah. Using it and embracing it is really the way to like up your game when it comes to living life now. There's this app that we found during the world cruise called Suno, SUNO, and it customizes songs. So you can say, make a certain artist or like a bluegrass song about my kids being on a world cruise. And you just give it a very small prompt. And this within seconds, this custom song comes out and it included my kiddos names and our location and. It was so fun. I think you can do like 12 free songs a day. We downloaded 'em to our girls' iPads. They were coming up with these cussing songs about stories from our life or our adventures, and it was just so fun for us to share. That's us using ai. Y'all. We we're almost in this disservice with it because there's some dumb song that Luca loves right now called Chicken Macaroni. Chicken Wing. Chicken Wing. Chicken wing. Hot maloni. Yeah. Whatever it is. Yeah. And he said, now I wanna song about chicken and pizza. And I'm like, that doesn't exist. He is like, yeah, but I want you to make that song now because he's so used to AI being customized. And I'm like, that's not a real song buddy. But now I guess I could use the pseudo app and make a chicken and pizza song. Okay. After this we're definitely doing that because as we speak, the boys are bringing us pizza, right? So we are at home alone, podcasting. I just texted the husbands and said, Hey, how are you guys doing at the trampoline park? And also, when are you coming home? Because I'm hungry. To which Jane said, Hey, no. She said, what's for lunch? Oh, the two women who are by ourselves hanging out asked the husbands, they were out with all of the gaggle of children. Hey, what's for lunch? So they're picking up pizza on their way home because I'm not cooking Baker's my last name, but that's as long as far as that goes. So I asked, so I use Gemini more than chat, GBT, but potato, potato, it doesn't actually matter. Both have the same price. $0. Okay. So when I asked Gemini for some homeschooling prompts for this episode, here's like an example. ...
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      14 min
    • 25: Rich Friends and Why You Need Them (But Don't Invite Them to Thanksgiving)

      25: Rich Friends and Why You Need Them (But Don't Invite Them to Thanksgiving)
      Oct 13 2025
       Welcome to Broke is Boring. The podcast where we stop glorifying the struggle and start talking about what really matters. Freedom, living life on your own terms and the money you need to make that happen. We're your hosts, Tiffany and Jane, and we're two mamas who love making money and spending it on the things that truly matter to us. So pull up a seat at our table and let's get into it because Broke is boring and we are here to prove that money does in fact buy happiness. 1, 2, 3.  Welcome back to Broke is Boring. Today we're gonna talk about the truth about rich friends, why you need them, and why your circle impacts your ceiling. Ooh, this is such a good one and really was gonna, is gonna stretch some people because we have discussed a lot about growth mindset in other podcasts and now today, I think we really need to focus on that, leaning into that paying for proximity thing. You are the average of the five people you spend the most time with. We've heard that saying over and over and over again. Take inventory, like pause this if you need to, and name those people that you spend the most time with. And then are those people who bring you up, bring you down or keep you stagnant? I would say they probably don't even need to pause it. You know who you're thinking of and we're here to tell you, perhaps it's time to cut some ties. I always wanna be in a room with people who are smarter than me, who are wealthier than me, who I can learn something from. Because when you are at the top of anything, you're only pulled down, like you fall to the level of wherever the, the weakest link is. Right. I. Want to even clarify wealth here because I have friends in our circle who are significantly more financially wealthy than Mark and I now. We still inspire those couples because of our time wealth, and so we are able to learn from each other in those scenarios, and so it's really important to. Understand where you want to go and make sure you're aligning your circle with those goals. And I think even being on this world cruise has really opened us to a lot of new people because you don't end up on a world cruise unless you've done something that other people don't do, because this is not something that everybody just has all the time in the world for, or the finances to go be able to do. And it's really cool to meet people on this ship and learn their story. Like, Hey, how did you end up here? We've met people who are pro athletes. Mm-hmm. And people who have these incredible companies that they've built. And I just love hearing their stories and learning from them. Yeah, so that's certainly a pay for proximity example. Right? But the thing I have actually really enjoyed about our time on that World Cruise is that I am also validated that there are other young families on this planet making the same decisions as me. Not as many Americans as I would like, but I think we're trending in that direction. And so it has been a wonderful experience learning from other people and also being validated in our decision to take a big trip like that. So one of my all time favorite books, like Truly My Top Three is a book called The Top 10 Distinctions Between Millionaires and the Middle Class, and so I just wanna kind of talk about some of those key points in that book because it really hits home and just shows you like who you're surrounded by. 100 per. Scent affects your success in life. You have recommended Keith Cameron Smith's book to me at least three times and so now it needs to go to the top. So we're gonna talk about it today, but I need to really dive in and, and read it. Just, yeah, what are you doing? Not like you don't have time. What's the plan? Oh my God. Okay, so the first one that, and, and this book is just a bunch of one-liners. So actually we were just talking about like, do you listen to podcasts and audio books? Regular speed, one x, two x, whatever. This book I had to actually listen to in real time because there was so many just truth bombs. I had to have a minute to digest them literally. So if I am listening to an audio book that is just like. Golden and delicious. I immediately have to buy the hard copy because I have to underline, highlight. I need to own it in my personal library because it's part of my love language to be able to share that with others. Okay, you need this book? Then I'll write for you. This is, this is a hard copy situation. Okay? The first thing is millionaires think long term. The middle class thinks short term. So in this, the poor mindset is thinking day to day, middle class mindset is thinking month to month. And millionaire mindset is thinking perhaps years in advance. Decade to decade Yep. Is what he says. Yeah. All right. This one is so true. Okay. Millionaires talk about ideas and the middle class talks about things and people, Ooh, baby, I, if I am at brunch with some friends, I wanna talk about business and not boys. That's a T-shirt. Hello. Business over boys....
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      29 min
    • 24: Will You Stop Glorifying Being Busy?

      24: Will You Stop Glorifying Being Busy?
      Oct 6 2025
       Welcome back to Broke is Boring. And today we're gonna talk about how to raise kids who know what the real value of wealth means. As moms here, raising kids in, in these times. We really want to teach values to teach them that generosity is so important. And that freedom that they can get to because their adulthood is gonna look completely different from our adulthood. And I really want to lean into not glorifying that grind culture that we've become so familiar with, I don't want my kids to, when I ask them what's new with them, them to just say, oh, I'm busy. Like I don't wanna keep glorifying being busy. Okay. I have a story with this. So my 10-year-old just applied to a writing contest and she was really proud of it. But she wrote about a story about when we were in Barcelona this past year. For her 10th birthday and my husband and I try to teach our girls to live with an open hand, so instead of a closed fist. And what that means is when you have an open hand, you can give and receive. And when you have a closed fist, you can't lose any money that's in your hand, but you also can't receive any. So we have this open hand concept. We've really like drilled it in, you know, really taught it a lot throughout our parenthood. As we've been parents, so we're in Barcelona, we have this banana from the cruise ship, and it's been in our bag all day and we're on the beach and it is like kind of brown and, you know, smashed a little. But we got it that day. It's still good, but we're not gonna eat it. And we turn around and there's a guy digging through the trash behind us and we said, Hey, why don't we go give this banana to that guy? And. Our 10 year old's like, okay, I'll go do it. And so she did. So she went and gave the guy the banana and instead of us throwing this away, right, and he immediately said, Gracia, and then he started eating it. He walked away and just opened it up and started eating it. So my daughter wrote about that, and she just wrote that what she learned was that she had to be brave because she was in a foreign country. She was talking to a stranger. You know, my husband went with her, of course, but. And then the other lesson she learned is that you, you don't have to speak the same language to be kind. And then when we are reading it to you, your lesson was also that like it costs $0 to be kind. And she, so she added that to the, to the submission for the contest. And it was just like such a proud parenting moment that she, this was what she wanted to write about and reflect on for this contest. I love that. And it just shows who she is as a kid and her heart and you as parents on full display. I'm really proud of her. I'm proud of her too. Thanks. Thanks girl. So like, what does, what does wealth mean to you? Like, again, we always go just toward the financial wealth because that's what we were always taught. And then when I read that book, five types of Wealth that really hit home, like for me being. Together for lunch and dinner every single day. I know it's such a gift because probably 90% of American families are either not present for one or both of those meals, and I know a lot of families out there haven't had a sit down meal together in ages because they pack the evening schedule with. Sports and practice and work and all these things that for them to just sit down and ask how each other's day was, is something that just doesn't really happen. So for me, that's like a huge time wealth thing that I, I really love when I ask someone how they are and they immediately say they're busy. It's, it's a trigger for me because busy is a choice. And if you have a full calendar. You show it to me, I bet I can see the choices you've made to fill that calendar. To me, wealth is an empty calendar, an availability and an openness to receive new ideas. Like, oh, do you want to go to lunch? Sure, because I'm available. And being able to be fully present parents with the girls. When we are working on our phones, they'll be like, oh, why are you on your phone? And we're like because it's two in the afternoon on a Tuesday. This is how we work. And most people have parents who are at work and then the kids are in school. And also then you would go to an afterschool program and I wouldn't see you till this evening. And then we would probably take you to a, some sport. Sport, right? So like, your life is not, your life is different and you're welcome. And you're welcome. Another thing I, another thing I think is super important as Luca grows up is giving him that abundance without spoiling him. And he, as a 4-year-old, a normal 4-year-old is we're experiencing, you know, we're going into all these markets on our world crews, and he's just, I wanna buy that. I wanna buy that. I wanna buy that. And I just have to keep saying, no, no, no. Or I didn't bring money for that. And he. Probably thinks that we have no money at all. But I'm trying to, you know, not lean into buying him anything he ever ...
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      14 min
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