The Hilltop Glove Podcast | Chantelle Broughton

[00:00:00] Ta-Myia: Hey everyone. Welcome back to another episode of the Hilltop Glove podcast. Today we have the pleasure of interviewing Miss Chantel Broughton. Chantel is an entrepreneur and a native of North Charleston, South Carolina. She's currently pursuing her doctorate with the University of Kentucky as a licensed master social worker and the state of South Carolina.

[00:00:18] Ta-Myia: She attended both Columbia College and the University of South Carolina. Chantel focuses her work in the community economic development space with a high interest in building entrepreneurial ecosystems, especially for minorities. She loves to research and teach others about wealth building strategies, as well as in investing in entrepreneurs to creatively access capital and grow their operations.

[00:00:43] Ta-Myia: She is the founder of Kinfolk Coaching a 5 0 1 C three nonprofit, educating and advocating for financial wellness and wealth attainment for low income communities, as well as offering direct services relating to financial literacy, business development programs, and financial wellness task [00:01:00] force.

[00:01:00] Ta-Myia: Chantel is also the co-owner, along with her father of Tanny's, Broughton, all-purpose seasoning. She is currently working to launch a wellness and self-care brand for those experiencing personal and professional burnout. Thank you for joining us 

[00:01:15] Chantelle: today. How are you? I'm doing good. Thank you for the introduction.

[00:01:18] Chantelle: Okay. 

[00:01:19] Ta-Myia: So just to give our audience a little bit more about you can you tell us what it was it like growing up as the only girl and who or what influenced you to become who you are 

[00:01:27] Chantelle: today? Okay. So, growing up as an only girl, it was pretty interesting. For those who don't know, I'm my only the youngest daughter as well as the youngest grandchild.

[00:01:37] Chantelle: So it allow me an opportunity to learn from everybody else's dumb mistakes. So I feel like it paved the way for me to make a lot more smarter decisions. No, no teen, no shade, but you know, ain't nobody coming to see y'all Odis. You know what I'm saying? Mm-hmm. As far as my influences, they would probably be my parents.

[00:01:53] Chantelle: My mom has always been a strong woman. She didn't really back down or take no for an answer and I feel like I got that from her cuz I'm the same way in my own [00:02:00] life. My dad just kind of treat me, taught me to live by moral code just to treat people the way you wanna be treated and I feel like that has gotten me to where I am so far in life.

[00:02:07] Ta-Myia: Yeah. Being the only girl rocks. It does, you get spoiled still. And then you also get, like you said, learn from their mistakes. Right. And they really do be messing up 

[00:02:16] Chantelle: the brothers. Yes, they do. They really Do 

[00:02:18] Ta-Myia: you be messing up? Yes. No, the brothers be messing up. Messing. I learned from all my brother's mistakes.

[00:02:23] Chantelle: Lord Jesus. Wait both of 'em. How many brothers do you have? I have three older brothers. Good 

[00:02:27] Mic: gosh. Yes. 

[00:02:28] DJ And?: Did they let you have a dating 

[00:02:29] Chantelle: life? So I didn't play that. And like, I wasn't that type of little sister. Oh, you a good little sister. Yeah. Like, I'm gonna do what I want to do. Y'all do what y'all wanna do.

[00:02:37] Chantelle: Oh, so you, I y'all, you said boundaries. 

[00:02:40] DJ And?: Yes. You 

[00:02:41] Mic: said boundaries. Yeah. Good. 

[00:02:44] Ta-Myia: Know what? People never mess with you because you just got that. Like, I don't play games. I don't, I don't, ever since I've known her, she always, she's not her business. She's always been about her business. Yeah. Yeah. I try That's, I like that.

[00:02:55] Ta-Myia: Thank you, my responsible friend. So talk a [00:03:00] little bit about your nonprofit kinfolk coaching. You know, many entrepreneurs fail to teach people their knowledge as they grow. And and they, cuz the fear, they want people, they don't surpass them. Right, right. So, you know, why is it important for you to teach individuals and to share your knowledge?

[00:03:17] Ta-Myia: Why is that an important factor 

for 

[00:03:18] Chantelle: you? So I started Kinfolk Coaching because I was working with the Department of Mental Health, working with kids who. Had all kind of mental health diagnoses and I was like super pissed off at how we were over-diagnosed and over-medicating children. Mm-hmm. Especially black and brown children.

[00:03:35] Chantelle: And so I wanted to do a mental health nonprofit, but I found that same kind of mentality blocked me from growing and learning what I needed to do. So I kind of switched gears and went to financial literacy and I strongly believed like, Without your finances in place, like you really can't do anything.

[00:03:52] Chantelle: You can't afford medications, you can't afford transportation. You can't afford any of these other areas of wellness until your finances are in [00:04:00] check. So I've been fortunate in this realm to have a really good guy, like my family's really good with their finances. They taught me a lot, which I try to share with other people.

[00:04:09] Chantelle: You know, it's all about budgeting, saving, paying yourself, you know, doing those small things that make a huge impact in the long term. I agree. I 

[00:04:17] Ta-Myia: agree. See, I told y'all that's my responsible 

[00:04:18] Chantelle: friend. I try. 

[00:04:21] Ta-Myia: So I like that you talk about financial literacy, cuz that's, some people don't get that as they grow up in, in the black community, they don't some parents kind of skip over that important factor.

[00:04:30] Ta-Myia: So like where do you see a lot of kids failing in financial literacy? No matter the age, they could be middle school all the way into a college 

[00:04:38] Chantelle: graduate. 

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[00:04:39] Chantelle: I think they're just not taught financial priorities. Mm-hmm. Especially in our community, we think that looking rich is more important than actually being rich.

[00:04:49] Chantelle: You know what I'm saying? Yeah. And we can fake it till we make it all day long, but if you got a thousand dollars purse with no money in, it was really the point. Mm-hmm. Who you stunting for. Mm-hmm. You [00:05:00] know? So I think that we have to do a better job of educating our children, like initially upfront and teaching them these basic financial fundamentals when they're like kindergarten, elementary age, so that when they become adulthood, they don't have to learn from huge financial mistakes.

[00:05:15] Chantelle: Mm-hmm. 

[00:05:15] Mic: And by that you mean like saving and, 

[00:05:18] Chantelle: and Yes, like, 

[00:05:20] Mic: Like a lot, you know, it's like when I was a kid and you know, like I was taught to save and stuff, I was always saving for something. Right? Right. It was still like a consumption item. It wasn't the idea that like, you save and it just never use gets touched.

[00:05:32] Mic: Right. Don't, yeah. Yeah. And so, you know, and, and this is something that me and my wife have talked a lot about, about, you know, like trying to, to teach better habits in the future and such and, at any time, if the bottom could drop out, then any money that you have saved up is not actually an asset, cuz it could disappear.

[00:05:50] Mic: There you go. The next week. Right? Right. Mm-hmm. So there's almost this mentality that if you convert that into a tangible good, if I go ahead and buy them Jordan's this week, then I will [00:06:00] have them. And it doesn't matter if the bottom drops out, I will have this thing. Yeah. And that, you know, like, it, like that's a weird mindset to realize is happenings part of this consumer's culture?

[00:06:10] Mic: It's a scarcity mindset, right? Is that, yeah, it's part of that too. Yeah. But that, you know, it's like those are things that we gotta like. Talk about before we can actually fix though, you know? Yep. 

[00:06:20] Chantelle: We don't like having those conversations. We don't like being honest with ourselves. We like, okay, cool. Yes. So how do 

[00:06:26] Ta-Myia: you break it to people like especially grown adults, like you know, oh Lord, yes.

[00:06:30] Ta-Myia: Sometimes they're like hard to get a breakthrough. How do you get through to them to talk about financial 

[00:06:35] Chantelle: literacy? I mean, I'm try to make it as personable as possible. Like I will walk somebody through their paycheck. Their financial responsibilities, all their bills, and just paint the picture as clearly as possible for them, because speaking broadly and generally is not gonna impact them as far as me putting their situation in front of their face and asking them, okay, what you about to do?

[00:06:57] Chantelle: Because I ain't gonna do the work for you realistic, like, what you about to do? [00:07:00] Okay, I'm gonna teach you. I'll help you, but ultimately you gotta do the work. And if you ain't. Onto the next. It is what it is. Can't save everybody. So you started 

[00:07:08] Mic: with a budget? Yes. And I'm, I would assume a lot of people do not even know 

[00:07:12] Chantelle: how to do that.

[00:07:13] Chantelle: They don't, yeah. They don't, especially in the world of automations, right? Where we have auto checkbooks, we don't do 

[00:07:19] Ta-Myia: that anymore. I saw this lady pulling the checkbook the other day. I was like, I still at the, at the post office. I was like, 

[00:07:25] Chantelle: oh, wow. I still write my checks out everywhere. Yeah, what they're taking, absolutely.

[00:07:30] Chantelle: I mean, I 

[00:07:30] Ta-Myia: do it in my like planner or calendar so I can figure out my monthly income and stuff like that. But like, Day to day, it's never a checkbook. I never was that type 

[00:07:38] Chantelle: of person, like we paid for inconvenience and we have to realize the trade off that we have lost in the world of convenience. It is so easy for that, that amount, that bill to just come straight out of our bank accounts.

[00:07:53] Chantelle: But what's the real trade off now? We don't physically see that money. Right? So we're, we're physically attached from [00:08:00] our finances nowadays versus in previous generations. You have to be actively involved. Actively involved. Yeah. I saw people don't talk about that. 

[00:08:07] Mic: They don't, when he was actually getting dollars outta the mattress, right?

[00:08:10] Mic: Yeah. You gotta go and do it. You didn't 

[00:08:12] DJ And?: want to give it up. So you were like, okay, I gotta save this as much as I can. I wanna have my mattress backed up the money. I did see on your website. And just talking about making a budget. And I thought this was the coolest thing ever because it's something that my wife always talks to me about.

[00:08:24] DJ And?: But just in financial stability, having the ability to have, starting off with a thousand dollars in emergency 

[00:08:31] Mic: savings, right? 

[00:08:32] Chantelle: Yes. That's your starting point. 

[00:08:33] DJ And?: Could you explain to our audience the importance of that, just as a, as one of the financial tools that you'll need on that path to 

[00:08:40] Chantelle: success? The 1000 emergency savings is just like, if you don't have that, I'm really gonna judge you because it's so necessary.

[00:08:48] Chantelle: Anything can happen. Mm-hmm. Your transmission goes out, you can't get to work. Right. The kids get sick, you know, your insurance is funky as hell nowadays. I don't, I don't know if I can curse. Oh yeah. Funky as hell nowadays. And like, it don't, [00:09:00] it's not giving what it's supposed to give uhhuh. So you might have medicine that you have to pay for.

[00:09:03] Chantelle: You have to pay for anything. Certain necessities should not fall or rely on credit. Like that's just not the mindset that we need to have. Mm-hmm. Like credit should be an absolute emergency because that's loan. Mm-hmm. Talk about that. Your day, day 

[00:09:18] Ta-Myia: alone. Talk. Say like, alright, if you don't have a credit, they judge you.

[00:09:24] Ta-Myia: If you don't have a credit card, they do 

weird, 

[00:09:26] Chantelle: but you have to do it smart. Mm-hmm. 

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[00:09:27] Chantelle: It's a smart way to do everything so. We all gotta pay bills. Yeah. Pay the bills, which is money that you already have anyway with your credit card. That's the easy way to pay off your credit card debt every month. So if you have your light bill, your water bill, your phone bill, all that equals to $300, put that on your credit card.

[00:09:43] Chantelle: That same money that you would've paid for, that you pay off that credit card every month in full every month. Mm-hmm. And that's how you build your credit up. Mm-hmm. Your credit card should not. Should not be used for Beyonce tickets. Oh, and y'all knew she was coming during tax season. Y'all knew she was coming cuz [00:10:00] she do it all the time.

[00:10:01] Chantelle: Oh my Lord. To eat your own. But no, she's right. She does that every time 

[00:10:03] Mic: she does that. 

[00:10:04] Chantelle: Every tax season y'all already get hit. Y'all better get hit. Duh. But I mean, you know, you, you just have to plan to prosper because if you fail to plan and you're planning to fail, and that's just, that's 

[00:10:16] Ta-Myia: how it goes. So what's another, Tip that you can give people about budgeting or finances that you feel like they're lacking?

[00:10:23] Ta-Myia: The average person is 

[00:10:24] Chantelle: lacking.

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[00:10:25] Chantelle: I live off the 50, 30, 20 rule? Yes. So 50% of my income goes towards like my needs, so my bills, my mortgage, car insurance needs. 30% goes towards my wants because I do feel like it cannot always be about the dedication and limiting yourself to the things that you want to do to have fun and stuff like that.

[00:10:45] Chantelle: Like you have to budget for those things too. Right? And then 20% goes into your saving. And I think people also underst have to understand that sometimes you just don't make enough money. Mm-hmm. It is what it is. You can work a hundred hours overtime a week and sometimes you just need to add in a second [00:11:00] income.

[00:11:00] Chantelle: You just need to get some more money somewhere. Get a side hustle, a small business, something. Because all the time, it's not just about budgeting, it's also about the income that you're bringing in as well. Mm-hmm. Mm-hmm. 

[00:11:10] Mic: But one thing that I've found is like once you actually are looking at a budget on paper, Then you can start being like, okay, I have spent too damn much money on Netflix and Amazon, all that crap.

[00:11:22] Mic: Yep. And so then you start cutting stuff. Boom 

[00:11:25] Chantelle: lady having me cold. Yeah. That number one with that large thigh lemonade, it'd be calling me. Oh. But I had to, I had to check myself like, girl, you know you're doing too much. 

[00:11:34] Mic: Yeah. There's re repetitive indulgences. Mm-hmm. That that mall stopping and getting that extra nice coffee instead of that dollar 50 coffee was that death 

[00:11:42] DJ And?: by a thousand.

[00:11:42] DJ And?: Cut. Yeah, that's what it is. That's what happens to our money. It really does leaks you and with you saying that, I know you do have a, a degree in social work. Yes. 

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[00:11:51] DJ And?: Where did you start this path of focusing in on the economics and where did you get your education? On the economic side of.

[00:11:59] DJ And?: [00:12:00] Care of personal self. 

[00:12:02] Chantelle: I think a part of my journey is to broaden the idea of what social work is. Ah, so a lot of people think of, you know, your DSS worker. Yep. Mm-hmm. Yep. That's social work and it, and it is. It can be, but I think the beauty about the social work field is that it's such a broad field, like we do policy and advocacy.

[00:12:19] Chantelle: Mm-hmm. You can do lobbying, of course you can do foster care adoptions, but. Social work teaches you just about looking at systems. Mm-hmm. And how to benefit from the system that you're operating in. Mm-hmm. That's all that social work is. As far as me getting my economic background, I read a lot self-talk, like I rarely watch TV like I read.

[00:12:40] Chantelle: Mm-hmm. 

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[00:12:41] Chantelle: A lot. I research a lot and. It's a lot of trial and error. My finances aren't always where they were. Like I was robbing Peter Paul, you know, not that long ago, if I can be honest. And so I had to learn like, is this really how I want to live? All my friends go on vacation, you know, I wanna have a home, I wanna [00:13:00] have an asset, something I can pass down to the next generation.

[00:13:03] Chantelle: Something would happen to me, so something would've happened to me. So what do I need to do to change my reality right now? And that was looking at my finances. Dope. 

[00:13:10] DJ And?: Dope. Dope. And of course, always like to tell folks this about our podcast. It's about millennials learning how to adult. Yeah. Right. And so this is an adulting episode.

[00:13:20] Mic: Definitely. We can't necessarily just ask the other generation, like they got stuff say, but it's a different system that they came up in, like mm-hmm. Speak on that might the idea that we don't balance our checkbooks. Yeah. Like I learned that when I was like, like a, Kid elementary, we had, well I mean like I had a checkbook when I first started getting work cuz I had to, I had to pay Right, right.

[00:13:42] Mic: Car payments, you're right. And shit. You know, that was the only way we had little. Yeah, right. Cause you couldn't do it online yet. But, but very quickly, once it switched to being on a debit card, then it was like, how quick is the bank app gonna show up? And I went to Bank of America because they were the first people to like, you could buy something and show up [00:14:00] right away.

[00:14:00] Mic: Yeah. But that still doesn't protect you from stuff that just goes awry. People overcharging, you double charging uhhuh, and if you don't have a record of that, you can't tell. And then you start running a business off of it. And it's one thing if it's my like, Starbucks on there. What? I don't go to Starbucks, but it is my whatever, you know, but it's, it is not, you know, that's small.

[00:14:17] Mic: Yeah, it's small. Then you start having, you know, like regular business payments that are going out on a regular basis, and then you need to know what that cash flow looks like. Right. You gotta do it for yourself before you can do it for some other 

[00:14:28] Chantelle: entity. Right. They true. 

[00:14:29] Ta-Myia: Yeah, talk about that.

[00:14:30] Ta-Myia: Transitioning to I know you work at, well, you're the owner of Tanny's Bra all purpose seasoning. So talk about uh, transitioning from personal to business finances, like how should that be an 

[00:14:43] Chantelle: order? Yes, so. 

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[00:14:44] Chantelle: These social media gurus they stress me out so bad because the information is just wrong.

[00:14:52] Chantelle: Wrong. Like, I have people who send an inquiry and they wanna talk about purchasing a home in their business name, and I'm like, do you have the revenue [00:15:00] that supports a purchase that large for your business? No, then stop listening to these people who give you these make believe scenarios. Like, like, so you got 

[00:15:09] Mic: save like 3% on some taxes somewhere, but then like when your business goes up, you lose your house.

[00:15:14] Mic: Lose your house. Like no bad 

[00:15:16] Chantelle: idea. You got a $10,000 a year business, you cannot afford to purchase a home. Like where you are, stay in your lane and work your way up like, Business credit, personal credit, they often go hand in hand. Mm-hmm. Especially for someone who's just starting off with a business.

[00:15:31] Chantelle: Like when you open up your business checking, they're going to look at your personal checking because if you cannot manage your personal finances, nobody's gonna give you business this money. Like, they're just not going to do that. Yeah. Because if you can't take care of yourself first, you're not gonna be able to take care of this business.

[00:15:45] Chantelle: Mm-hmm. And people really have to sit down and understand that that all goes back to your credit. 

[00:15:49] Ta-Myia: Right. All goes back to your credit. 

[00:15:50] Chantelle: Mm-hmm. 

[00:15:51] Mic: What you think about like Credit Karma and apps like that to just kind of keep an eye on you?

[00:15:54] Chantelle: Credit Karma is not that accurate. I feel like it's a good baseline, but you really need your [00:16:00] experience. TransUnion and EQU facts. Yeah. And there, I forget the name of the website, but you can pull it annually for free. And that's a good once a year as yourself? Once a year. That'll take me point. Yes. Yes. I can't remember the name of the website.

[00:16:11] Chantelle: But if I find out, I'll send that to you all. But you can check it once per year. I do encourage people to do that. There's things such as self lender mm-hmm. Which is like a savings program, but you have a certificate of deposit. That you're saving money towards, but it's also reporting to your, the credit bureaus bureau, right?

[00:16:30] Chantelle: There's a lot of different tricks that you can do to help build your credit up in a healthy way. And, 

[00:16:35] Mic: and like you said, with the credit card, just using it for regular bills that you already budget, that you're 

[00:16:40] DJ And?: already paying, but you 

[00:16:41] Ta-Myia: already going out credit card, 

[00:16:43] Chantelle: right? Yes. Should you have a business credit card?

[00:16:45] Chantelle: It depends on your revenue. Okay. So I don't feel like. Every business needs business credit. Some of them have a revenue source that, where they don't need that extra line of credit to depend on. Right? Oh, I see. What it, just depends on your business [00:17:00] model and your revenue 

[00:17:01] Mic: source. Right? You know, I might not need to buy anything, but if I'm, selling t-shirts or something, then I need to be able to buy that 

[00:17:07] DJ And?: a t-shirt, shirt in, in, in advance of you actually receiving orders, and that's a different idea.

[00:17:13] DJ And?: And model and, and question and, and just thinking about business, could you tell us about your 

[00:17:17] Chantelle: on purpose seasoning? Yeah, yeah, yeah. Cause I know my wife 

[00:17:20] DJ And?: would be interested 

[00:17:20] Chantelle: in this on purpose seasoning. So it's me and my daddy. My daddy started when he was 70 years old.

[00:17:26] Chantelle: He'll be 73. Wow. This month on the 13th. So shout out to my daddy. Yeah, but my mom had like a lot of health problems, diabetes, hypertension, gout, renal failure. She had a kidney transplant. She had so many health diseases, and so all of those ailments came with their own set of dietary needs. So it's super hard to feed her, like she really couldn't eat anything.

[00:17:47] Chantelle: And in my family food is everything. Yeah. Like we still get together for Sunday dinners. Oh that's good. Like food is so important to us. So she started like deteriorating me cuz she wasn't able to eat. So my dad came up with this seasoning back in 2010 and [00:18:00] it's no salt. And it's been a hit. He's been making it since 2010.

[00:18:04] Chantelle: 2010. He started selling it in 2021 after my mom passed in 2018. Oh. But yeah, so he started making it for her back in 2010. Wow. And it, it helped keep her alive for about eight extra years, I think. Eight years. So, yeah. Yeah. Cause when you can't 

[00:18:17] DJ And?: eat the way you want to eat, right, I know. It's be true. Like it's, it doesn't taste scary.

[00:18:21] DJ And?: What hospital food. Yeah. Yeah. It does not tier 

[00:18:23] Mic: your spirit Well, it's cause see that's part of it too, is that like, you know, there's the nutrient that we eaten, right? Yep. Right. But the whole reason that we put all these plants and stuff on there is that like there's. There's medicinal value in these herbs and things.

[00:18:34] Mic: Things, right. We kind of just intuitively know in the wintertime you gotta bring your energy up a little bit cuz it's cold and dreary and you need a little bit of garlic, like you need a little bit of capsaicin, you know, spice, you see 

[00:18:46] Chantelle: hold. Did you bring my ginger? 

[00:18:48] DJ And?: Yeah, ginger. Ginger, 

[00:18:51] Chantelle: just 

[00:18:51] Ta-Myia: unofficial ginger at the store.

[00:18:53] Ta-Myia: He said he got a garden, so I'm like, I need some real ginger, 

[00:18:57] Mic: wild ginger. So my mom was just growing [00:19:00] white ginger in her yard, like, because I gets these pretty flowers on it and she changed up her garden a few years back and she just had like buckets of ginger and I'm like, you know, this stuff's like nine bucks a pound at the grocery store.

[00:19:11] Mic: So I just went and planted it all in the yard and it just comes back every year. 

[00:19:15] Chantelle: Y'all got chickens? No, I about to ask for some age. 

[00:19:21] Mic: That's gonna happen at some point, but I'm, I'm like in the city. In the city. Yeah, he is. So I need to have proper Ry before I can do it. They do, but they know, they do 

[00:19:28] DJ And?: the you got our, they got the chicken Ladies.

[00:19:31] DJ And?: You 

[00:19:31] Mic: can do it. Yeah. You're allowed to. I think it's, I think you can have. It's either two or three. You're not supposed to have a rooster. They make this crow collar that you can put around their neck. It keeps that little Adam's apple from going up the, yeah, so it doesn't get loud. Yep. Yeah. Oh my gosh, 

[00:19:45] Ta-Myia: I've never heard that before.

[00:19:46] Ta-Myia: Y'all like 

[00:19:47] Mic: the Organic Growers Conference every year in February. I just missed it, but it's up in Asheville. It's a great time. Just go up there. it's a fairly cheap conference. I think it was like 150 bucks or something for two days. Wow. There was a third day. [00:20:00] That's where I met the bee dude. Anyway, we'll talk about more of this.

[00:20:03] Mic: Yeah, yeah. I'm all about to growing yoga, food and doing the nature thing and the herbs and the plants and the roots is and the 

[00:20:09] DJ And?: things. That's where the seasoning comes in. Yes. Cause you gotta season your food. So what 

[00:20:13] Chantelle: flavors y'all have? So we have six now. We have regular. A spicy, a seafood, a dry rub, a spicy dry rub, and a tropical what?

[00:20:24] Chantelle: We're also working on coffees. What? Yes. Because know we drink coffee all the time. Yeah. So, so where's the, where'd the coffee come in? So we just, her daddy love coffee. We're a huge coffee drinkers. I was, I was down there 

[00:20:36] Ta-Myia: last weekend and it was like, what, eight o'clock at night? And he came with a cup of coffee and I was like, sir, this is going keep me up.

[00:20:43] Ta-Myia: And 

[00:20:43] Chantelle: he did. Yeah. Like he bought your 

cup 

[00:20:45] DJ And?: like in the evening, like old school 

[00:20:47] Chantelle: that you come buy coffee 

[00:20:48] Ta-Myia: of that. I don't wanna be rude. So I had to take a couple sips in front of him, like, you know. 

[00:20:53] Chantelle: But yeah. Yeah, I've been drinking coffee since I was two. Yeah. Wow. Like, we're real deep with it. 

[00:20:58] Mic: So how are you all, we gotta get you some of [00:21:00] those coffee.

[00:21:00] Mic: We gotta get you some haiku coffee. Oh, right. Yes. Yeah, 

[00:21:04] DJ And?: we 

[00:21:04] Chantelle: got get get with somebody some coffee. That's a CC Alumna. Mm-hmm. Oh yeah. Yeah. Yo, some questions. Yes. How are you? 

[00:21:11] DJ And?: Sourcing your coffee and are you gonna be roasting your own coffee? 

[00:21:15] Chantelle: So we're exploring like different recipes now. We're in the very beginning stages.

[00:21:20] Chantelle: This is cool. Okay. My brother's in the military, so he brings back all different kinds of coffee beans and stuff for us sometimes. So we're trying like, what flavor do we like the best right now? So it's pretty cool if you get to drink all this coffee, you know, I, I'm not complaining, but yeah, we're still in the early phases of that.

[00:21:38] Mic: Yes. So when you're, when you're talking about flavoring, it's like things that you would add as you're roasting it, like, you know, like vanilla beans and french vanilla or whatever. Yeah. Yes. There's different 

[00:21:46] Chantelle: oils that you can add to get different flavors. Ah, yes. That's so interesting. I did not know sweet smells that can do different things.

[00:21:54] Chantelle: Yes. Yeah. Smart and vanilla from each different places gives you a different [00:22:00] kind of aroma. So yes, it's a really cool process. 

[00:22:03] DJ And?: Now e even better than this, I have to ask you this cuz this is what I was happy about seeing today was all right, so. So you're working on a wellness and a self-care brand?

[00:22:11] DJ And?: Yes. For people experiencing personal and 

[00:22:14] Mic: professional burnout? Yes. So you mean everybody in America, 

[00:22:18] Chantelle: this out, everybody. It's for the mamas and daddies, the churn, everybody. So I have been that type of person that constantly gives, and my cup ran. So empty. Yep. Mm-hmm. I couldn't even pour it over and get a drop, y'all.

[00:22:32] Chantelle: Mm-hmm. So I had to like really step back and say, girl, you giving too much. sit yourself down because you really about to like, End up on the side of the street looking crazy. So I started using products to really like start meditating. And Tamaya, you really helped me with that. Like yoga, I'm learning more about my body the past.

[00:22:51] Chantelle: Yeah. Listening to different frequencies. Yeah. And it really helps.

Main Quote

[00:22:55] Chantelle: I started doing candle making. I never had a hobby before y'all. This was my first time [00:23:00] ever having a hobby and so I picked up candle making and I loved it. So I'm starting to create this whole self-care box where it's various items in there.

[00:23:08] Chantelle: Oh, that men and women and children. Cuz children need self-care too. It's shame. Yeah. Can utilize to just. Take a step back cuz everybody can't afford a day off of work. Some people don't get pto. Nope. So we can't always say, you know, call out. Like that's not always the answer cuz we still talking about financial literacy.

[00:23:25] Chantelle: Yep. Don't mess up the bag. Get the bag. But there are some things that you can do on in your downtime mm-hmm. To really try to refill yourself. Skip two Netflix episodes of Recharge. Right? Yeah. And recharge. And another thing is like people 

[00:23:36] Ta-Myia: can't afford like massages. Mm-hmm. Or like, you know, people always wanna go out and.

[00:23:39] Ta-Myia: Spend that type of self-care. Right. What about the stuff that you can do inside your house? Inside Listen to music? Frequencies. Yeah. Incense. Like incense, you know, meditating, lay down and stretch. Oh my gosh. It's not that hard. Just lay down like I have to tell somebody like, They're like, I can't silence my mind.

[00:23:57] Ta-Myia: I'm like, well just turn the lights off. That's to be the first [00:24:00] step. Sometimes I stretch with just the lights 

[00:24:01] Chantelle: off. Mm-hmm. Just lay down. I like that 

[00:24:03] DJ And?: you steps. Yeah. There's certain steps. You gotta, 

[00:24:06] Ta-Myia: everything's not know yourself. Know your mind. 

[00:24:08] Mic: Sit outside and look at the sky without a phone in your hand.

[00:24:11] Mic: Oh, it'll clear. 

[00:24:12] Chantelle: But the world we're living is so difficult for people to unplug. It's so difficult. Yeah. Especially kids. Especially kids. Mm-hmm. Because they grow up 

[00:24:20] DJ And?: with. These 

[00:24:21] Chantelle: devices, they monitor their everyday attached to tablets and TVs. Yeah. Like how can 

[00:24:25] Ta-Myia: a child get mad because they don't have a tablet?

[00:24:28] Ta-Myia: You the one who broke it, right? You broke it. Mm-hmm. This is your fault cuz you're anger and you're mad because you don't have it anymore. 

[00:24:34] Chantelle: Yep. And because it's not a need. I ain't replacing it. Nah, no, I like that. 

[00:24:37] DJ And?: Cause that financial literacy like said everything. It ain't, 

[00:24:41] Mic: that's not a need. You don't need it.

[00:24:42] Mic: But see, as parents, they're like, we are the gatekeepers of that. That's true. We can talk about it. Yeah. There are 

[00:24:47] DJ And?: parental 

[00:24:48] Mic: controls on everything. Talk set them. Damn man. He can be mad as hell, but that Xbox will cut him off if didn't play too much. Yep. Your time's up, right? Hell, it gave a five minute warning.

[00:24:58] Mic: You [00:25:00] 

[00:25:00] Chantelle: give warning. That's a good way. Self accountability. Accountability, 

[00:25:04] Ta-Myia: time management. A lot of kids don't wanna be accountable for their actions. And they're not held accountable by the parent because the parent don't wanna, 

[00:25:10] Chantelle: doesn't wanna hear all that, right? They wanna take the easy way.

[00:25:13] Chantelle: Think about the parents. 

[00:25:13] DJ And?: I'll put it like this. This is a good thing cuz it goes back to what you're talking about with that financial literacy and generational wealth building is that you have parents, when you see the child, you saw the parent, right? That child is a reflection of its parent. Yes. I dealt with one of those this week.

[00:25:32] DJ And?: The child lied, so the mama lied. And they kept it going. They did not break face with it, and they kept that thing rolling. It was pretty serious, serious situation. 

[00:25:42] Mic: Like a lot of times That's a survival situation though. Yeah. You gotta, you gotta be able to pick up them cues and run the story that's there.

[00:25:49] Mic: That's, 

[00:25:49] DJ And?: that's the thing. Yeah. But we had to catch a lot because almost led to some insurance fraud. Yeah. Well, but that's the thing, the, child picking up cues from the mother. Mm-hmm. I'm gonna [00:26:00] lie. I got you. I'm back. You up. So imagine when that have to happen. That's what I'm saying, 

[00:26:04] Mic: right? It had to be learned every day.

[00:26:06] Mic: That's what went on. Yep. So some of 

[00:26:08] Ta-Myia: this poor financial and social work. What is the craziest story? Oh God. You 

[00:26:13] Chantelle: have 

[00:26:13] Ta-Myia: come across in social work history. 

[00:26:17] Chantelle: I dunno 

[00:26:18] Mic: if you gonna ask, you don't have social workers. I'm gonna ask that. Yes, that's She's buried in, put it 

[00:26:26] Chantelle: out. He doesn't work that I'm trying to think of without disclosing personal information, that's the 

[00:26:31] DJ And?: hardest 

[00:26:32] Mic: part.

[00:26:32] Mic: Hipaa, 

[00:26:34] Chantelle: I guess it would just be parents who like get their kids to act like they have mental problems and there's nothing wrong with them. That just always threw me for a loop. For the check. Hmm. Like you want your child to act like they got problems just to get a check. Like, is it that serious? Yeah.

[00:26:51] Chantelle: That check that big. Yeah. Come on now. It's really 

[00:26:54] Mic: not, it's really 

[00:26:55] Chantelle: not really worth it. Is it? Is it worth it? is it worth these people come knocking on your door when they feel [00:27:00] like it? Like I guess that's probably the craziest thing to me. Yeah. But you know, People do things for a variety of reasons because of survival, because of, I don't know, their past experiences, their own traumas.

[00:27:11] Chantelle: Mm-hmm. But I think it's important for us to step outside of ourselves and understand that we are the only people accountable for ourselves. Right. And as a parent, as even just a role model, you should want more and better for the children who aren't coming up behind you. Mm-hmm. If you're not doing that for the kids who are watching you, you are really doing them a disservice.

[00:27:30] Chantelle: So, yeah. 

[00:27:32] Mic: Facts. I got another 

[00:27:33] DJ And?: question. Yes. Just about you and you seeking a high furthering your education rather 

[00:27:38] Mic: going for your doctorate. Yes, yes. Please talk 

[00:27:41] DJ And?: about that. Yeah. Could you just tell, just little know how you're balancing that? how and why you chose the program that you're in and how you're, you're gonna use that in your career 

[00:27:49] Chantelle: to, to yourself.

[00:27:50] Chantelle: Great questions. So back in 1969, my father was one of the first black people who was recruited to play basketball for the University of Kentucky. Shut the [00:28:00] front dude. Yo, 

[00:28:00] Mic: we gotta talk to yo papa. 

[00:28:02] Chantelle: Wait, that know, I know him talking you about his, I know who your daddy is Then. So from the, he chose not to go for, you know, his own small town mindset reasons.

[00:28:14] Chantelle: But I'm thankful cause I wouldn't be here if that's, that's, I'm gonna say yes. You know, the whole, his whole life would be different. Different, yeah. So I wanted to go to University of Kentucky to bring this. Diploma home degree home for him. that was super important to me because I feel like my dad sacrificed a lot.

[00:28:30] Chantelle: Yeah. For his family, his children. Like my father was a stay at home dad. Like what dads, y'all know, staying at home. Yeah. Many raising their kids, So he, did a lot. And I used to hear, you know, the ridicule, the little teasing, you know, but you know, my daddy, he is a standout guy. Yeah. He was not only a father to his floor, but to so many other kids.

[00:28:48] Chantelle: Wow. Grown men still come back to this day about how my father used to come to football games or come to the school to watch him in performances. Like they still come back and talk to him about that. Like they'll bring [00:29:00] their kids to come and talk to him too. So, wow. They don't call him old school for nothing.

[00:29:05] Chantelle: But I feel like the doctorate, I don't know, it's just a personal goal. Like I'm not really doing this for any kind of professional dreams, but. I told my parents that I was, I'm the first person to go to college, first person to get my master's. I'm gonna be the first person to get my doctorate degree too, and that's what I'm gonna do.

[00:29:21] Chantelle: Mm. So you gotta gotta make sure it gets done. I'm, I'ma finish it. Yes. You know, if I start something, I'm gonna finish it. Yeah. So when 

[00:29:26] DJ And?: is your plan finish date for this degree? 

[00:29:29] Chantelle: I think it is May of 2025. Yeah, May, 2025, we should definitely 

[00:29:36] DJ And?: have it back on. Get it. Cause I wanna, I wanna see how that 

[00:29:39] Chantelle: experience is.

[00:29:39] Chantelle: Y'all be hanging on by a thread, but I'll be, we'll get you some 

[00:29:43] Mic: downtown first. 

[00:29:45] Chantelle: I'll be here. Is that, 

[00:29:46] Mic: the papers at the end? Yes. 

[00:29:49] Chantelle: A little tough. 

[00:29:50] Ta-Myia: So, uh, tell us about what current projects you have coming up for the nonprofit and for the business are just 

[00:29:55] Chantelle: for yourself. Yes. So definitely trying to grow the nonprofit.

[00:29:59] Chantelle: A lot of people don't [00:30:00] know about an IDA program, which is an individual development account. It's a savings program that's used for low income families and individuals rather. Mm-hmm. So a bank can offer this program and it's a match savings. So if you save nine, they're gonna match your savings with nine.

[00:30:16] Chantelle: So you have a total 1800 combined, but you can only use it for three things, which is to start a small business. Complete a degree or for our home ownership. Done is this, is this things you wanna do anyway, this is a program that's been in for a long time. I've never heard that, but a lot of people don't know about that.

[00:30:33] Chantelle: No. So we're trying to partner with banks to offer the financial literacy component for these programs. Okay. 

[00:30:40] Mic: Yes. Now see, this is, this is interesting because way back in the day when I was in high school, You could get a nice, decent job as a telemarketer selling mortgages during this subprime lending boom, which later went into the subprime lending crisis at.

[00:30:56] Mic: So yeah, if you've seen that, I am partially [00:31:00] responsible for that by being a telemarketer in that time. But one of the things, and that was, that was like my first, like, you know, I went from washing dishes and cooking fries to wearing a suit and working in a mortgage company. Wow. But I still had no.

[00:31:11] Mic: Damn skills. Yeah. Seriously. Y'all think about it. Y'all, y'all weren't telemarketing before. You know what this is? Yeah. You know what? It is fine. Make of calls. But, but, but yeah. But that was one of the things that, that, that popped up was they had a 401K matching program. Gram and every dollar that you put in was matched and it was like just free fucking money.

[00:31:32] Mic: Right? And that's something that like does not pop up a whole lot of the time. It don't. And 

[00:31:37] DJ And?: when it does, you need to dump as much as you can. 

[00:31:40] Mic: Dump money, whatever their cap is, just 

[00:31:42] Chantelle: throw it in there. Just throw it in there. Yeah. 

[00:31:44] DJ And?: But it's, like I said, it's a great tool, especially for folks who don't know that existed.

[00:31:48] DJ And?: I mean, it's, this has has been in what has been operating for more than 30 

[00:31:52] Chantelle: years. More than 30 years, yeah. 

[00:31:54] Mic: Oh, it's 

[00:31:54] DJ And?: bad. Yeah. Yeah. We should, yeah. Yeah. Because 

[00:31:57] Mic: know about that. Yeah. People just don't know about, that's something you get for [00:32:00] like, you know, nephews and cousins when they turn five, six years old and you just come on, keep ducking, start duck, you know?

[00:32:04] Mic: And the same with the five 20 nines. Yeah. But you don't get anything. Right back except the tax, shelter. 

[00:32:10] DJ And?: And there's nothing wrong with that. Oh, yeah. No, it's good. It's protecting. Finances. Right. So you can have it like we were talking about, do all of them. Yeah. Do all of them. And, and it, and it trains you to have a different mindset about money.

[00:32:20] DJ And?: Like letting the money stay where it's supposed to and let it make, make its own money 

[00:32:24] Mic: now. And then you pull all the things out and you start adding up all the numbers. You go, oh shit, I ain't totally broke anymore. Can't touch any of it right now. I ain't total 

[00:32:32] DJ And?: failure. I'm gonna keep working. It gets your impetus to keep 

[00:32:35] Chantelle: along with your progress.

[00:32:36] Chantelle: Right. Slow progress for a big impact. Absolutely. And then what about 

[00:32:41] Ta-Myia: the seasoning? What can 

[00:32:44] Chantelle: we expect? So, I'm hoping to get the seasoning in a store. I know there's a black owned grocery store in Columbian. It is about to escape My name Will, I'm about to go talk to and, and see if he has a [00:33:00] spot for us in his door.

[00:33:00] Chantelle: There's the other black owned shop else. You could hit 

[00:33:03] Ta-Myia: Beacon Spaces. Yes. Up a, I think about that, yeah, vegan. And that just came to my mind being the creative and there's no salt, but there's no salt in it. So hit up a lot of vegan spots. See, I will definitely that, that 

[00:33:13] Chantelle: would like to What's, what's the place in arcade in 

[00:33:16] Mic: where, you know what I'm talking about, 

[00:33:16] Chantelle: Ana?

[00:33:17] Chantelle: The Arcade Mall. 

[00:33:19] Mic: there's like a black owned shop that's like all black owned products. Somebody was telling me about this at one of our 

[00:33:24] Ta-Myia: warehouse. No, Noma Warehouse. Noma. Noma. We did. That's our sponsor. That's our sponsor. Our 

[00:33:29] Mic: sponsor.

[00:33:34] Mic: So you talk to 

[00:33:37] Chantelle: Lay. 

[00:33:39] Mic: All right. So I ain't been yet. Yeah. Shout out before, yes, there owned products. There's this place, bops Bops. Yes. 

[00:33:46] Chantelle: I did 

[00:33:46] Ta-Myia: the, the 

[00:33:47] Chantelle: voiceover for 

[00:33:47] DJ And?: them. Yep. Yep. 

[00:33:49] Chantelle: Stands for Black owned products. I like that. You should definitely, 

[00:33:53] Ta-Myia: next thing you come to Columbia, which would be for the um, business 

[00:33:56] Chantelle: networking event.

[00:33:57] Chantelle: Yes. Yes. At Optus. Which is a [00:34:00] black owned bank in Columbia, South Carolina. Yes. We know, I don't know if y'all know about them, but definitely do some business. They do a lot of community work too, so shout them out as well. Um, Yeah, they, we'll be doing a business after hours networking events where business owners can come together to Fellowship Network, get some good food, good drinks, the works.

[00:34:19] Chantelle: Yeah. Yeah. And they have a couple 

[00:34:21] Ta-Myia: of those actually. So I'll put it in the group chat so y'all guys can come at 10, 

[00:34:24] Chantelle: be like, cool. Actually, yes man. I try. Yeah. I do what I can for the people. You do. 

[00:34:31] Ta-Myia: And you work hard. I like that. You serious? And you bought your 

[00:34:34] Chantelle: business. Always. That should be your tag.

[00:34:36] Chantelle: Tagline. 

[00:34:36] Ta-Myia: Tagline. Logos about 

[00:34:38] Chantelle: my business. Yeah. I need to get a shirt made. Yeah. This around business. What's that? Look, I mean, business, right? Business. 

[00:34:46] DJ And?: but before we. Finish you off and get you on out of here and not hold you up for too long. Cause We'll, to keep talking to you, I know we're looking pretty okay on time.

[00:34:54] DJ And?: how do you, because we always ask for this, but for you especially, how are you balancing your bur life? You got a lot of [00:35:00] things 

[00:35:00] Mic: going on here. Yeah. How doing missing? 

Yeah. 

[00:35:02] DJ And?: How 

[00:35:03] Chantelle: you, how you do this baby. I'm reclaim my time. If I don't feel like working, I don't go to work. You say you re just don't, that's that post covid.

[00:35:11] Chantelle: I just don't. Are you able to work from home or? I am. I have two days and I take my two days sometimes for, y'all are so blessed these 

[00:35:19] DJ And?: people work at work from home. Yes. Y'all are 

[00:35:21] Chantelle: so blessed. But I also have a schedule. Okay. Like I have to schedule stuff in order to stay within my time management system.

[00:35:29] Chantelle: Yeah. So I schedule time to be with my niece and nephew, schedule time to read, like I have to schedule time so I don't miss anything cuz I'm doing so much. And so you don't take the time from yourself. Right. Right. But some days that's my day. Like so is your day. That's my day. I might go get my nails done, I might turn my phone off and when my body feel like getting up, I get up.

[00:35:47] Chantelle: I might have me 2, 3, 4, 5 mimosas on Sunday. I'm like, so my body feels like getting up. I might get up. Yeah, she gonna let me know every time. Yeah. She gonna lemme know it's okay. So yeah, though I take care of myself on [00:36:00] Sundays, that's my day of the week for me. So don't call you tomorrow. I don't wanna be No nothing on Sunday.

[00:36:04] Chantelle: Sunday. You know, I mean, 

[00:36:05] Mic: having a set self care day is a really good like, It's like, yeah, 

[00:36:09] Chantelle: you gotta do that. Got to, 

[00:36:11] Ta-Myia: yeah. Self-care 

[00:36:11] Chantelle: is not selfish, guys's. It's not, it's necessary Revolutionary that in the Bible. That's the whole 

[00:36:17] Mic: point of the Sabbath. Yeah. That's a good thing. Bring you living in the south home.

[00:36:21] Mic: Okay. Bring it home. They it, so, so they don't do it. There was, there was a situation where people work seven days a week 

[00:36:28] Chantelle: and, and then 

[00:36:31] Mic: the first, you know, There is one day we ain't doing shit. Shit. What doing ain't doing? I don't want you to put shoes on. Don't tie your damn shoes. Yeah. Wears a tie. Shoes. I mean, you know, things did change over time ago.

[00:36:43] Mic: A little more extreme later on, but, but yeah, the point was one day that you don't do shit except let your mind rest. Yep. Go think about God, eat with your family. Yep. You know, lighter meal. Like a lighter meal. Don't make yourself all heavy. Pre, 

[00:36:56] Chantelle: pre-prepared, lighter. I, I like the items. I think that [00:37:00] keeps us grounded.

[00:37:02] Mic: Southern thing. We don't do all the things in the Bible 

[00:37:04] Chantelle: trip 

[00:37:04] Ta-Myia: is good. The people who actually like go by that. You see what I'm saying? Live by that. I think it keeps you grounded instead of this fast paced world that we live in. 

[00:37:12] Chantelle: Yeah. Cuz we are amped up right now. Yeah. Everybody's super amped up over everybody's 

[00:37:16] DJ And?: city.

[00:37:17] DJ And?: Everybody's not capping. We got got extra ones and twos. I know it all hunt all day every day. Yes. Amped up on diesel fuel. I take like two shots of espresso in the morning just so you can get, no, I'm teasing. I don't do that no more. Woo. You tease them. Actually, I was worse than that. I'm doing six shots of espresso in the morning.

[00:37:34] DJ And?: Oh wow. You don't do that no more. Dang caffeine. 

[00:37:36] Mic: Caffeine's a hard one, man. It's a hard one. It is. But then it makes you asleep. Not work later on, right? 

[00:37:41] Chantelle: Mm-hmm. You go, so that's why the gratification. Yep. Yep. Yes. 

[00:37:46] Ta-Myia: Oh, go ahead. So I was gonna just wrap it up and let everybody know where they can purchase and find you and yeah, social media, website.

[00:37:54] Ta-Myia: Don't give out your 

[00:37:54] Chantelle: number. You know, I don't like people calling me, but kinfolk Coaching has a, [00:38:00] a website, which is ken folk coaching.org. Tan Bros has a website, which is tanny bros.com, and Tanny for those, if I'm not enunciated, is t a n n y tanny broons.com on social media. Yeah, that's how you can find me.

[00:38:17] Chantelle: Mm-hmm. Don't, don't hit me up on my personal page and I'm not gonna respond cuz that's my personal page and I don't know you like that, but yeah. Hey. 

[00:38:25] Mic: No, 

[00:38:26] Chantelle: they can, they can, they can order offline. They can order offline, online. We gonna get your order to you now, but hey. Yeah. Yes, don't definitely though.

[00:38:34] Chantelle: Just don't hit me up on Sunday. Thank you. I'll do it. Well, 

[00:38:37] Ta-Myia: we definitely appreciate you coming in today. I'm glad you got meet my 

[00:38:41] Chantelle: team. Thank you for, for having me. Thank y'all are awesome. Thank you. You so we'll, you, 

[00:38:45] Ta-Myia: we'll be doing more business with you in the future, whether it be financial literacy, our, you know, help, just helping you promote.

[00:38:51] Chantelle: Appreciate problem. Thank you, thank you, thank you. Because 

[00:38:53] Mic: we'll buy and push, you know, there, there, there might be some. Some tie-ins that we can do with our create Focus on some things with dad too. Oh. Cause financial [00:39:00] literacy in the artist community and our, it's a big 

[00:39:02] DJ And?: deal. Friend. Our friend friend in Monroe, North Carolina.

[00:39:04] DJ And?: Mm-hmm. Mm-hmm. 

[00:39:05] Chantelle: Financial literacy 

[00:39:07] DJ And?: about Gastonia. Yeah. Gastonian reasons. Yeah. Yeah, yeah. Gastonia 

[00:39:11] Ta-Myia: my fault, my, so I'll stay in contact with Gastonian. Yeah. Don't talk 

[00:39:14] DJ And?: trash back Gastonia. I know better now. I know better. 

[00:39:16] Ta-Myia: Well, thank you guys for listening to us today, and we're gonna close it out. Make sure you tell someone you love them.

[00:39:22] Ta-Myia: Yes. You appreciate them. Yes. Relax on Sunday. Yes, please do. And we'll see you guys next time. Thank 

[00:39:27] Chantelle: you. Thank you. Please, please, please.