The Thank Me Later Show with Jini

Drowning in Debt? How to Overcome Credit Card Overwhelm & Save Thousands

Are you overwhelmed by your credit card debt and unsure where to even begin? You're not alone! In this episode of the Thank Me Later Show, CPA and money coach Jini sits down with her cousin Tina, who recently completed the Thank Me Later Credit Card Repayment Course and is on track to save over $8,000 in credit card interest fees using the exact strategies shared in the program.Tune in to learn how to get full visibility of your balances and interest rates and how to negotiate with credit card companies for better terms (yes, it’s possible!). You’ll also hear how to avoid getting stuck in fear and shame, and how to push past those emotions to unlock not only financial freedom, but emotional peace.If you tune into this episode of the podcast and apply the tips, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #creditcarddebt #financialfreedomSTAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ ______RESOURCES: Join the TML Community: https://www.thankmelatermoney.com Get access to the Credit Card Debt Repayment Course at thankmelatermoney.com/debt _____TIMESTAMPS:2:00 - Why credit card debt feels overwhelming7:17 - The first step of tackling your credit card debt 9:16 - How to negotiate your interest rates with your credit card company 13:20 - How making more money can help with your debt payoff goal 14:55 - Tina’s #1 tip 15:46 - How the TML program has transformed Tina’s finances 18:29 - How to push past the overwhelm and fear to tackle the debt19:41 - Setting boundaries with yourself and other on your credit card journey

Profitable But Panicked: Why Your Business Feels Broke Even When It’s Not

Does your business look good on paper but leave you feeling financially strapped? You're not alone, and it's time to understand why!In this episode of the Thank Me Later Show with Jini, we bring together three expert CPAs, each with 20+ years of experience in the entertainment industry, to tackle this issue head-on. Tune in to discover why every business owner, regardless of industry, absolutely needs a trusted accountant, and how to hold your accountant accountable to ensure your financial health. We’ll unpack what your finances are really saying about your business, moving beyond the surface to reveal the true story of your cash flow and profitability. This isn’t just another talk about taxes—it’s a behind-the-scenes look at how high-earning businesses still feel broke, and what to do about it. If you’ve ever wondered why your profits don’t match your bank balance or how to position your business for sustainable growth, this episode is a must-listen.If you tune into this episode of the podcast and apply the tips, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #entrepreneurship #entrepreneurmindset #businesstips #growyourbusiness STAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ ______RESOURCES: Join the TML Community: https://www.thankmelatermoney.com Check out the Entrepreneur podcast playlist: https://www.youtube.com/playlist?list=PLMZGn9VLVoiBDT1ljB7SXvDzP84YbtoVG _____TIMESTAMPS:4:20 - Why every business owner, including accountants need an accountant 6:51 - The bare minimum financial information to track as an entrepreneur 9:06 - Do you need an accountant and a tax advisor/tax preparer?10:43 - The best strategy to get out of financial survival mode14:18 - When it’s time to hire an accountant as an entrepreneur 17:31 - How to hold your accountant accountable 22:00 - What is cashflow in your business 25:11 - Understanding what your finances are showing you about your business 28:03 - Putting yourself in position to borrow money in your business to scale 30:36 - Is it worth it to hire a Fractional CFO?33:32 - Outsourcing finance tasks in your business38:40 - How to know when you’re financially ready to expand in your business

How Not to Go Broke: CPA's Share Money & Business Tips for Celebrities, Influencers, and NIL Earners

Are you a celebrity, influencer, or student athlete with a lucrative NIL deal, wondering how to truly secure your financial future? Many in the entertainment industry go from riches to rags, but you don't have to be one of them. In this episode of the Thank Me Later Show with Jini, three seasoned CPAs with over 20 years of experience in the entertainment industry, who’ve worked with big names like Ludacris, Ceelo Green, and Ari Lennox, break down the financial essentials every student athlete, influencer, and rising celebrity needs to know. From the real reasons celebrities go broke and how to avoid it, to how to set financial boundaries with friends and family - this is the financial literacy masterclass you can't afford to miss.If you tune into this episode of the podcast and apply the tips, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #entertainmentindustry #NIL #NILdeals #nameimagelikeness #influencer #entrepreneurshipSTAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ ______RESOURCES: Join the TML Community: https://www.thankmelatermoney.com Check out the Entrepreneur podcast playlist: https://www.youtube.com/playlist?list=PLMZGn9VLVoiBDT1ljB7SXvDzP84YbtoVG _____TIMESTAMPS:3:21 - What student athletes need to know about NIL deals 7:04: - How to establish financial boundaries with family 11:17 - Average takehome pay for someone in the sports or entertainment industry 15:10 - The best way that coaches can teach their student athletes about money18:33 - How people in the entertainment industry goes broke22:49 - How to be financially responsible with NIL deals29:49 - The tax traps that catch celebrities off guard37:43 - Advice for women in sports who feels pressured to keep up with an "aesthetic" 44:00 - The importance of talking to a trusted advisor 44:50 - When should influencers set up an LLC?

How to Build a Business with Your Spouse (Without Losing Your Marriage)

Ever wonder if combining marriage and entrepreneurship is a recipe for disaster or a pathway to success? In this episode of the Thank Me Later Show, Jini sits down with her husband David to talk about their entrepreneurship journey as a couple. They’ve been married for over 30 years and have successfully built multiple businesses together. Tune in to hear their invaluable advice for entrepreneurial couples – including separating personal and business life, scheduling dedicated business time, and the importance of stepping away from work to strengthen your bond. Whether you're just starting out as a couple in business or looking to refine your existing partnership, this episode is packed with real-world wisdom and actionable tips from seasoned entrepreneurs who've mastered the art of balancing love, life, and enterprise. If you tune into this episode of the podcast and apply the tips, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #entrepreneurship #entrepreneurmindset #entrepreneurialcouple #marriageandbusiness______STAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ Connect with David:http://collectivesuccesscenter.comhttps://www.instagram.com/cscsouthatl/ ______RESOURCES: Join the TML Community: https://www.thankmelatermoney.com Check out the Entrepreneur podcast playlist: https://www.youtube.com/playlist?list=PLMZGn9VLVoiBDT1ljB7SXvDzP84YbtoVG _____TIMESTAMPS:2:24 - The origins of Jini and David’s relationship and entrepreneurship journey 8:25 - Advice for separating personal and business in a marriage 12:01 - How to avoid stepping on each other’s toes 14:58 - Having a strong foundation 17:12 - Does business take away from a personal relationship? 19:56 - Why it’s important to schedule time for the business 24:22 - How to handle disagreements about money26:55 - Having a winning mindset in your relationship 29:10 - Playing up your partner’s strengths 31:50 - How to know if you and your partner are compatible in the business35:04 - Advice for juggling kids and building a business 41:08 - Core fundamentals of a lasting business and marriage

Behind the Music Catalog: Wealth, Royalties & Life Lessons with Entertainment Attorney Uwonda Carter

Ever wonder what really goes on behind the scenes of those massive music catalog deals?In this powerful conversation on the Thank Me Later Show with Jini, we speak with entertainment attorney Uwonda Carter — whose client roster includes chart-topping artists and major labels. She reveals what REALLY happens behind the scenes of music catalog deals, including how these deals are structured, what kinds of royalties and rights are on the table, and how future earnings from hit records are forecasted and negotiated.We also explore surprising factors that influence catalog sales, like marriage and divorce, and how life decisions intersect with business outcomes. Uwonda shares what it’s like being a woman navigating a male-dominated industry, and the life lessons she's learned from decades of working at the intersection of creativity, commerce, and law.Whether you're an artist, producer, entrepreneur, or simply someone who wants to understand how intellectual property becomes legacy, this episode is packed with real talk, legal gems, and actionable insights.If you tune into this episode of the podcast and apply the tips, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #musiccatalogs #musicproducer #recordingartist #entertaimentattorney #musiccatalogdeals #musicroyaltiesSTAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ Connect with Uwonda:https://carterwoodard.com/ https://www.instagram.com/uwondacarter/ https://www.linkedin.com/in/uwonda-carter-81b78467/ ______RESOURCES: Join the TML Community: https://www.thankmelatermoney.com Check out the Entertainment Industry podcast series: https://youtube.com/playlist?list=PLMZGn9VLVoiDjx4xOiX_BrsHmDlJFhIPd&si=WmHGglN9hJx_D__D _____TIMESTAMPS:4:34 - How Uwonda got started in the entertainment industry 12:12 - How to find a lawyer before singing a deal (and how Uwonda started working with Lil Yachty)16:07 - What does it mean when an artist sells their music catalog?19:58 - The different types of catalogs and royalties 26:43 - Imagine a catalog deal upwards to $50 Million!28:11 - Did you know future earnings from records can be included in music catalog deals 30:02 - What it feels like to sit at the table when deals are being made 34:18 - Advising against a catalog sale 36:05 - An average advance for a producer in 202543:16 - How working in the entertainment industry changed how she sees fame, money, and success?51:32 - Being ready for a windfall of money56:19 - Being a woman in the entertainment industry1:08:32 - How marriages and divorces play a part in catalog sales