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About this episode
In this episode of the Transcendent Farmer Podcast, host Emily Reno sits down with financial coach, entrepreneur, and speaker Tiffany Miliander to explore how childhood experiences with money — including poverty, homelessness, and financial instability — shape the money mindset we carry into adulthood and entrepreneurship. Tiffany breaks down the key differences between a financial coach, CPA, and financial advisor, explaining how a coach helps with budgeting, debt elimination, and the psychological side of personal finance that most professionals overlook. You’ll learn practical strategies for getting out of debt, building a budget from scratch, and shifting from a scarcity mindset to financial freedom — insights that are especially valuable for aspiring and beginning farmers trying to secure capital and build a sustainable business. If you’re ready to stop letting your past define your financial future and start treating money as a tool for legacy-building and joy, this episode is a must-listen.
Key Moments
In this episode, you’ll learn:
- The difference between a financial coach, a CPA, and a financial advisor
- How childhood money experiences create unconscious habits and beliefs in adulthood
- Why printing your bank statement (old school!) is one of the most powerful budgeting exercises
- What a financial coaching engagement actually looks like, from discovery call to celebration
- How getting your personal finances solid creates a completely different energy in your business
- Why Tiffany runs two businesses entirely debt-free — and how you can adopt that mindset
Resources:
- Ramsey Solutions / The Ramsey Show Podcast
- Rachel Cruze Show (podcast)
- Know Yourself, Know Your Money by Rachel Cruze
- Dave Ramsey book
- Tiffany’s podcast: Blessed Beyond the Stress
- Tiffany’s website
- Money For Couples with Ramit Sethi
- The Clever Girls Know Podcast With Bola Sokunbi
- Send an email to hello @ mezclada.co to get more information about the advisory committee
Meeting Tiffany Hagen:
Tiffany’s journey from poverty in San Antonio, Texas, to a culturally different rural life in Minnesota offers a backdrop for understanding money’s profound impact on our lives. She recounts her upbringing, marked by financial unpredictability, and how it contributed to her scarcity mindset as an adult. Tiffany reflects on the stability she sought by purchasing her first home at 23 and the growth she experienced by shifting her mindset to embrace financial coaching both personally and professionally.
Understanding the Role of a Financial Coach:
A financial coach differs from a financial advisor or CPA, focusing on budgeting, debt reduction, and mindset shifts. Tiffany explains how she guides clients through personalized financial strategies, helping them cultivate financial literacy, set achievable goals, and align spending with personal values. Her coaching isn’t just about numbers; it’s about empowerment and long-term financial freedom.
The Importance of Financial Literacy:
Many clients come to Tiffany unaware of their financial habits’ roots or the transformative effects of budgeting. By employing traditional methods, like highlighting bank statements, Tiffany encourages clients to uncover spending patterns and inspire change. Her approach underscores the consciousness and intention necessary for financial growth, both personally and in business.
The Impact of Financial Freedom:
With a firm foundation in personal finances, entrepreneurs can run businesses without the burden of debt, ensuring growth aligns with cash availability and core values. Tiffany stresses that financial stability fosters a lighter, more joyful approach to business, where decisions aren’t clouded by desperation or urgency but are made with confidence and purpose.
Resources for Financial Transformation:
To gain further financial insights, Tiffany recommends resources like the Ramsey Solutions podcast and Rachel Cruz’s book “Know Yourself, Know Your Money.” Her own podcast, “Blessed Beyond the Stress,” is also a valuable resource for actionable financial advice and inspiration.
Becoming a Transcendent Farmer:
In Tiffany’s view, being a transcendent farmer is about exceeding the norms of traditional farming and embracing financial foresight and responsibility. It involves creating a legacy that encompasses stewardship of land and capital to ensure sustainability and prosperity for future generations.
Connect with Tiffany:
For those interested in transforming their financial lives, Tiffany can be reached through her website, Blessed Beyond the Stress. Her work empowers individuals to take charge of their finances and build a more secure future.
Join us on the Transcendent Farmer Podcast to explore more insightful discussions that blend personal growth with sustainable practices.
