How We're Doing It

How We're Doing It | Yazmin & Tijani Musa
How We're Doing It

Children of immigrants often arrive in the U.S. without their consent, embarking on a journey shaped by their parents' pursuit of the American Dream, often at great risk and without guarantees. How We’re Doing It is the #1 podcast for first-generation immigrants, guiding their path to success and serving as a beacon on the journey to achieving the American Dream.

  1. NOV 14

    529 College Savings Plan Made Easy To Understand

    Planning for college? In this episode of How We're Doing It, first-gen parents Tijani and Yazmin break down 529 plans, explaining tax benefits, savings options, and strategies for maximizing education funds. Get clear, practical advice to secure your child’s future! Previous Question: Can U.S territories set up a 529 Plan? Answer: Yes. All 50 States and U.S territories are eligible. Chapter (00:00) Yasmin: Conversations about 529 plans are important now (01:24) Today's conversation is about 529 plans. Like the college saving plans (07:35) Every state has a different 529 plan (08:47) There are two main types of 529 plans: education savings and prepaid tuition plans (12:52) Section 529 plans are sponsored and run by all 50 states including the District of Columbia (14:47) With the 529 plan, you can put money towards your child's retirement (17:06) 529 plan grows tax deferred until student is in college or vocational school (19:00) There is a limit that people can gift you towards the 529 (20:34) So let me talk about some benefits and potential disadvantages of 529s (24:01) So let me talk about some of the disadvantages of a 529 real quick (25:45) The 529 plans have specific transferable transfer rules (30:28) 529 is pretty extensive and it covers a lot of, uh, those things (32:03) How much are you putting towards your 529 account and how often (33:41) Does having a 529 impact your financial eligibility when going to college (37:39) With 529, you can do what they call target funds or target date investment (40:16) Creating a five to nine gives you a tax advantage, which we already talked about Connect with us! ⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠TiKToK ⁠

    43 min
  2. OCT 17

    Millennials vs. Gen Z: Navigating Technology, Family, and Responsibility

    In this episode, Tijani and Yazmin are joined by Yazmin's sister, Yeni, an army sergeant, to explore the generational differences between Millennials and Gen Z. Together, they dive into how technology shapes the younger generation’s approach to convenience, responsibility, and family dynamics, especially in immigrant households. They share personal stories about supporting their parents, balancing career aspirations influenced by social media, and managing relationships in a fast-paced, tech-driven world. Discover how Gen Z's reliance on digital tools affects their personal connections and what we can learn from each other across generations. Listen now to this candid conversation on family, technology, and the evolving definition of success. Don’t miss it on Apple Podcasts, Spotify, YouTube, and Google!  Chapters (00:00) This podcast focuses on millennials and Gen Z. Welcome and thanks for joining us (01:47) All right, all right, let's bring in the guests. We don't skip the introduction. You gotta get that introduction (02:17) This is Yeni's fourth episode on the podcast (03:47) The generations that we're discussing were years. Like, years wise, so that people understand we're talking about (05:18) First generation immigrants tend to have a lot of responsibilities within families (11:53) Tijani: You make calls when necessary. This is a misinterpretation of my (16:40) It's the lack of seeking resources, not using them (21:37) As technology improves, younger generations are becoming more reliant on technology (24:56) Some first generation kids are proud that they don't graduate high school (30:45) Yeni says things have gotten easier according to her generation (34:57) Tijani says becoming a parent has led him to seeking older friendships (39:13) If Leo's ever, like, I want to start gaming, (41:27) Yeni says there is a sense of entitlement among younger soldiers (45:52) Studies show that having relationships adds to people's happiness (51:14) You feel like this person rushed into getting, um, married (56:52) Overall, I feel like the generation, they're getting smart. They're doing it on their own terms (59:15) Yeni takes a lingo quiz to test your generation's vocabulary (01:00:31) Your generation still uses slay, according to the Internet (01:01:43) Leo says I'm Gen Z; mom says she's millennial (01:02:21) I think it's really weird when people call mom and dad on social media (01:06:01) Yasmin, thank you for having Leo while I was gone Connect with us! ⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠TiKToK ⁠

    1h 11m
  3. OCT 10

    Therapy Saved My Life - A Soldier's Story with Sgt. Yeni Dzib

    In this powerful episode, Tijani and Yazmin discuss the importance of therapy and mental health, inviting Yazmin's sister, Sergeant Yeni Dzib, to share her courageous journey. From the challenges of military life to personal struggles, Dzib opens up about her experiences with therapy, the obstacles she faced, and the support she received that helped her heal. This episode discusses the stigmas surrounding mental health, the necessity of seeking help, and the impact therapy can have on one's life. Join us for an honest conversation that highlights the strength in vulnerability and the importance of breaking the cycle of trauma for future generations. Chapters (00:00) Two first generation immigrants share their experiences with fun and education (00:57) Today's topic is around therapy. You already know of all types of therapy (01:42) Yazmin: We are strong advocates for premarital counseling (04:28) Yeni was sexually assaulted during his military career (10:10) Tijani, thank you for sharing your story about mental illness (15:06) So I have a question for you. Motivation could be something bigger than you (19:12) Yeni went through four or five therapists before finding the right one (20:01) Why don't people take therapy seriously culturally? Because of stigmas (22:32) You're a mortuary affairs specialist, right? Yes. And let's talk briefly about your specialty (25:59) Sometimes insurance doesn't cover therapy, so it feels very rushed (27:07) Sometimes a stranger is the best option out there, honestly (28:51) During my time in Poland, I paused, completely paused seeking help (30:19) Did you think that the break that you took while you were in Poland affected healing (31:56) Tijani says he relies on prayer to help him deal with life (37:49) Would you prefer a male and or a person of color in a therapist (39:25) Yeni says she prefers female therapists because of past trauma (41:47) I think everybody has some type of childhood trauma that they're holding onto (46:14) Ever considered therapy? My mom doesn't even know what therapy is (49:36) Yeni, what is your take on therapy in general? Do you recommend it (51:02) Would you let your kids start therapy or counseling when they're young (54:09) Yeni, bring up your boy, then, Leo Connect with us! ⁠⁠⁠Website⁠⁠⁠ ⁠⁠⁠Instagram⁠⁠⁠ ⁠⁠⁠TiKToK

    56 min
  4. SEP 26

    Single Mom's Guide to Crushing Debt With Army Sgt. Yeni Dzib

    In this episode, Tijani and Yazmin sit down with a special guest, Yazmin's sister, Yeni, to discuss her journey towards financial freedom. Yeni, a single mom and army sergeant, shares her candid experiences of living a carefree financial life, accumulating debt, and the pivotal moment that made her decide to take control of her finances. Whether you're struggling with debt, looking for ways to budget effectively, or seeking inspiration to start your own financial journey, this episode offers practical advice and heartfelt encouragement. Chapters (00:00) Two first generation immigrants share their experiences with fun and education on this podcast (00:57) In the studio today, we have a special guest. We are talking about the one and only, my sister in law (01:53) The listeners know about our financial journey or budgeting (03:53) Yenny, why didn't you engage in living on a budget until now (07:28) As a single mom, you don't have that person to motivate you on debt (11:48) Yenny has paid off her credit card and her car loan (14:19) What does financial freedom mean to you? What does that look like (15:26) TJ says having to restrain from shopping has been difficult during transition (21:08) What do you want your big milestone to be this year (22:09) Do you think Leo feels deprived, like, not doing enough (25:00) The check ins really help. Um, the messages from TJ when he's like, okay (28:07) If someone is debating whether to start budgeting or just live life on a budget Connect with us! ⁠⁠⁠Website⁠⁠⁠ ⁠⁠⁠Instagram⁠⁠⁠ ⁠⁠⁠TiKToK

    33 min
  5. SEP 19

    How Premarital Counseling Could Change Your Marriage

    Whether you're considering premarital counseling, are newly married, or simply curious about how to strengthen your relationship, this episode offers valuable insights and practical advice. Yazmin and Tijani's honest and heartfelt discussion underscores the benefits of investing in your relationship early on to build a solid foundation for the future. You May Also Like Essential Questions For a Serious Relationship Ways That Having Children Can Change Your Marriage Chapters (00:00) Look at my wife using the I statements. She all of a sudden, the stuff she learned in counseling kicks in (00:27) Two first generation immigrants share their american experiences with fun and education (00:53) Today's episode is on premarital counseling and our experience with it (02:38) You and your wife went through premarital counseling five years ago (06:13) The guide also includes some personal questions. I was gonna say, outside of the normal questions (11:14) All right. Setting the stage. Okay. So we had to do premarital counseling (13:08) We were categorized as a vitalized couple with strengths in most relationships (16:09) Do you want to give examples of some of our stressors (18:46) Set boundaries for yourself and be each other's priority, April says (21:42) What are we gonna do to make more time for date nights (24:38) Let's ask the listeners to send us ideas. Send them to us so we can start using those (25:06) I think sometimes when I voice an opinion or a concern, it is nothing heard (26:06) The hardest question as an adult is what am I going to eat every week (27:49) Stop using words such as always and never. They are not healthy. I've mentioned to you several times, do not use the word always (29:48) If more people invested in premarital counseling, we would have less divorces (31:29) You scored high on the social scale. Whereas I'm an average social person (35:08) What about emotional steadiness? It says you scored really high (40:12) Premarital counseling has helped strengthen our marriage, Tijani says Connect with us! ⁠⁠⁠Website⁠⁠⁠ ⁠⁠⁠Instagram⁠⁠⁠ ⁠⁠⁠TiKToK

    42 min
  6. SEP 12

    Money Dates: Strengthen Your Relationship Through Budgeting

    In this episode, Tijani and Yazmin invite listeners into their home for an in-depth "money date," a candid conversation about their finances. They break down their budgeting process, sharing insights on how they manage their income, spending, and financial goals. From the importance of having money conversations within relationships to practical tips on budgeting apps and tracking expenses, this episode is packed with valuable advice for anyone looking to improve their financial health. Yazmin and Tijani discuss the significance of maintaining a healthy relationship with money, whether you're single or in a partnership. They emphasize the importance of regular financial check-ins, setting goals, and understanding personal spending habits. The couple also highlights the cultural barriers that often prevent open discussions about money and how breaking these barriers can lead to better financial outcomes. Whether you're looking to get a handle on your budget, find a financial accountability partner, or simply curious about how others manage their money, this episode offers a transparent and educational look into the Musa household's financial practices. Chapters (00:00) I think it's fair that we compensate your mom for looking after Jasleen (00:48) How we're doing it is podcast where two first generation immigrants share experiences (01:13) Yasmin: Today we are having a, uh, money date (03:13) Having money dates can help couples feel more empowered about their goals (09:11) Leo uses an app called every dollar to track his spending (14:27) We have a transportation category, and then within that we have our monthly gas (18:20) In May, we were over budget by $23.37 compared to April (22:16) Johnny and I have been very disciplined about our spending. We've managed to stay out of debt (25:38) The restaurants tab for Mother's Day was very high (26:16) We have an episode that talks about separate versus joint account (27:07) Um, the next thing is the subscriptions. We weren't expecting the Amazon subscription to renew (28:44) Gas is going to decrease this month because I'm driving less (31:43) Good style. I'm gonna go in and take the candy from them. That's yummy candy (31:58) What else are we looking at for June? The month of June (33:54) We keep using the house as a gift. I mean, Yenny considered us cheap (35:01) One big thing that we need to keep in mind is just looking at finances (37:42) For Jasmine's college fund, we take, I take money every quarter (38:48) For single people, find your money friend. Find someone that you trust Connect with us! ⁠⁠⁠Website⁠⁠⁠ ⁠⁠⁠Instagram⁠⁠⁠ ⁠⁠⁠TiKToK

    44 min
  7. SEP 5

    When Prayers Aren't Answered the Way We Expect

    In this episode, Tijani and Yazmin explore the profound topic of trusting in God's plan, even when things don't go as expected. They share personal stories of how they prayed for specific outcomes and faced unexpected challenges, only to realize later that God's plan was indeed the best plan for them. From Tijani's heartbreaking experience with a scholarship rejection to Yazmin's job search struggles, they delve into how faith and patience played crucial roles in their journeys. The couple discusses the importance of praying for guidance, accepting God's will, and understanding that sometimes, the answers to prayers come in ways we least expect. They also highlight the significance of being open to God's timing and trusting that He has something better planned, even when immediate circumstances seem disappointing. Whether you're navigating career changes, life decisions, or simply seeking inspiration to trust in a higher power, this episode offers heartfelt insights and practical advice on embracing God's plan with faith and patience. Chapters (00:00) After prayer, normally we, like, sit there and ask God for specific things (01:25) Today we're talking about God's plans. And sometimes when you pray for something, God may not give it (03:28) On this podcast episode, we always try to share how we're doing things (09:53) When the scholarship did not fall through, I was devastated (15:04) 24.3 million land in Australia was destroyed because of devastating wildfires (17:33) So let's put a pause on my story. Your voice just keeps getting louder and louder. Let me relax and drink some agua (17:55) You tell us your example. Okay, so my example is a little more recent (23:54) You applied for a job working with students with visual impairments (30:26) God answered our prayer, right? Yeah. It was so many things that were, like, playing (31:41) You interviewed for a position that was your first choice (34:17) Sometimes the prayer is not answered in the way we want it Connect with us! ⁠⁠⁠Website⁠⁠⁠ ⁠⁠⁠Instagram⁠⁠⁠ ⁠⁠⁠TiKToK

    37 min
4.9
out of 5
10 Ratings

About

Children of immigrants often arrive in the U.S. without their consent, embarking on a journey shaped by their parents' pursuit of the American Dream, often at great risk and without guarantees. How We’re Doing It is the #1 podcast for first-generation immigrants, guiding their path to success and serving as a beacon on the journey to achieving the American Dream.

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