Do you have to pay back stimulus money?

Yes and no depending on your circumstances. I know that many people are worried about whether or not they will have to pay back the CTC (child tax credit) that they received from the IRS for the past six months. Well, the research analyst in me did some research because most of my followers are moms and I know this money helped them. I have found many variations of the same answer which is basically “No”. The only way you would have to pay the money back is if your income increased and/or dependents decreased yet you still took payment according to the income based on your 2020 tax return. But you don’t have to take my word for it. Here is a copied excerpt from the IRS.

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Unlike stimulus checks, the Internal Revenue Service (IRS) will reconcile any overpayments. That means, if your income improved in 2021 or if you claimed fewer dependents in the tax year than the IRS knew about, you’ll have to settle any overpayments with your 2021 tax return.

Not all families were eligible for the scaled-up portion of the credit. Single filers’ earnings couldn’t top $75,000, heads of households’ incomes couldn’t surpass $112,500, and married couples couldn’t make more than $150,000 to be eligible for the extra $1,000 or $1,600. After that, the tax break fell by $50 per every $1,000 over the income threshold.

The IRS used the most recent information it had available to determine families’ eligibility. That could’ve been your 2020 tax return, or other proactive families might have updated their income and family information through one of the agency’s online portals. Others, however, might’ve not acted, putting them at risk of losing part of their refund — or having to pay some of that money back.

Experts say families in few circumstances will have to worry about paying back those payments — whether with their tax refund or out of pocket. The credit had high income thresholds for the $2,000 base amount and the program also had a buffer by design, given that families only received half of the credit through six monthly installments. Families, however, might potentially hit a few snags if they received money for a dependent that they no longer claim.

“Long story short, with these high-phase-out thresholds of $400,000 or $200,000, it would be a very unusual scenario to have to pay back any child tax credit, as long as you still have qualifying dependents,” Steber says. Still, he adds that “there is no get out of jail free card if you get those monies and you’re not supposed to.” (end excerpt)

As always I implore you to do your own research and find out for yourself. Don’t just listen to people tell you what they think. To make responsible and accurate decisions, you must KNOW.

Advice wanted.

We had somewhat of a free day so we drove up to my mom’s. Did I tell you guys she moved more local? The intent really was to stay a couple hours and drive back but that turned into an all nighter. We left about 1 a.m. and headed home.

I learned a lesson yesterday. I’m not quit sure what it is but I’m sure it’s something. 🤷🏽

My mom is not very keen on how I raise my children. They aren’t bad, she’ll tell you herself, but I come from a generation of do as I say not as I do. The one where you don’t speak unless spoken to and you should be seen and not heard. I was taught to stay in a child’s place and don’t question authority. I had to take what was dished out and don’t talk back. You know, the whole what happens in my house stays in my house bit. Whew! How traumatizing.

I think that this is why so many people in my age range took so long to find their voice and realize who they are and what they want. It adds to the struggle of life, honors the ‘keep everything bottled in’ , and allow elders to disrespect you because they are older. Don’t get me wrong, I love my childhood my mother was the best mother in the world to me but oh the psychological damage it caused for many of our generation.

Let me explain.

When Maia cries I expect everyone to see why. Not like a fussy cry but a real cry. Yesterday my mom fussed at Maia, eh, rightfully so-ish. She was spinning a shoe and it flew and hit the floor narrowly missing a shelf she has with beautiful decor upon it. I told Maia to pick up the shoe. My mom, I guess thought I was being too gentle and fussed “picked that shoe up and don’t throw things in my house!” Maia of course started sobbing out of fear. She grabbed me so tight I couldn’t pull her off. Her sisters, Ava, Bella, and Sara, ran down the stairs to see what was wrong and my mother fussed at them for coming to see what was wrong while there is a parent present. They walked upstairs and I, almost afraid to coddle my own daughter, continued to make her pick up the shoe and put it back. My mother began fussing at me about teaching my children to mind their behaviour and also not be so clingy, referring to Maia. She also reminded me; “remember when they broke the dish I had on there”, In efforts to guilt me I suppose. I quickly reminder her that was my brother who did that. I picked Maia up and went in the room. Sobbing with my whole heart. Not just this incident but previously she fussed at Ava, and McRush and I about her being so clingy as well.

While many would say talk to her or fuss back or stand your ground. Its my mother, hence what I learned today. I am still affected by the ideals of the way I was raised, to respect my elders. Its funny because everyone in my family knows how sensitive I am but its not because I break easily, its because I try so hard to keep the peace. I am respectful, quiet, and I keep my head down. Yeah, ME!

I don’t like confrontation. I have anxiety really bad and I just can’t handle it but it seems that everytime I turn around, someone is taking advantage of it by saying what they want knowing I won’t be combative. It’s a trait I despise but there is so much anger and hate in the world, I can’t bring myself to change. I teach my children the way I want to learn, the way I want them to grow. I allow them the space to be who they are so they don’t have to try and find out who they are as adults.

More importantly, I raise different because I know what it feels like to have a child no longer be here with you. If my babies want to be clingy to me and their father, great. I know they trust us to protect them. What’s wrong with that? I believe as siblings they should help protect one another and that comes with knowing that each other are safe and okay.

I really don’t know what to do. But I wanted to blog about it to get it off my chest because its heavy. Really heavy.

What do you think?

Redo

I blogged already today but it was completely out of character and I needed to vent. I trashed it so if you missed it, your bad. Turn on your alerts. 😜

I had a very bad day today. But I learned a valuable lesson today…again. Do not help people who did not ask to be help AND get that payment before the service starts.

I have a client that I did an analysis for..it was 2 hours and I only charged for one (mistake #1). I emailed the analysis (mistake #2 I should have called) and the bill. AND I didn’t follow up in the 3 day period for payment (mistake #3). Well, I noticed that the analysis was read and a lot of things I mentioned were implemented. Good on them.for being receptive. But uhm. Where is my payment bruh?

Another client is getting more work out of me then they paid for and I’m over it. Smh. This is what happens when passion blinds your boundaries.

My biggest baby left for a job almost 800 miles away so that was stressful. I know some of you are like, let that boy be a man but first of all, F*ck you don’t judge me. 🤣

We have a very strong bond and the feeling was mutual. I tell people all the time that my son and I grew up together so we have an easy relationship. I had him young and I learned a lot of lessons with him and because of him. He will be gone for 3 months and it broke my heart. Again.

I told him the hardest thing about being a parent is you have to hold someone so tight and love on them so hard just to let them go so they can soar. I cried like a baby. #sucker

From that moment on my day was just bad. I think o was just simply emotional because everything made me cry. I felt unappreciated from everyone AND i had a very dark moment. I didn’t like that.

I’m better now but I wanted to apologize to those who did read it. I am human and I do get mad despite the fact that I am a supermom. But it is not acceptable to pour the way I did because it was my emotions speaking.

I am still learning from myself everyday. I’m a work in progress and I’m okay with that.

Damn y’all!

I know y’all be like why she always telling her business? I tell my business because I know that that’s the only way somebody is going to make it through. Hell! Sometimes its the only way I make it through. And before I get started imma just say…

These children get on my DAMN nerve. 🤧

Just one nerve though. Its the cleaning nerve. Bruh! Like I don’t have enough shot to do in a day. My children hate me, GOT TO. Otherwise there is no way in God’s green earth that I would have to remind them everyday to pick up after themselves. 😭

Don’t get started about “they’re just children”. NO! No tf they’re not. These are children from the underworld that have come to destroy me and my cleanliness. They are baby Tasmanian devils that diminish anything clean. Ugh!🙄

Little known fact. I am a clean freak and no matter how much I try to accommodate them by excusing their behaviour as growing points, I cannot but consider that these babies are playing me. Ain’t NO WAY it takes this long to know how to pick up the straw paper you left in the table. Ain’t no way fam. Ain’t no way. 😌

The problem is, I am BIG on self accountability and I do not consider age to be an excuse. It drives me crazy. I literally be asking God “what I do?” cause there is nothing you can say to convince me that God told me that this,was going to be a part of my journey and I STILL agreed to cone down here to this kind of mayhem and foolishness. 😑

I’m getting a future maid. I don’t care if her ass got to sleep in the same room as me because BAYBEEEE! I deserve and so do you!😘

10 kids too many.

You know the worst part of having 10 children is the fact that people equate more children with bad. People are amazed when we go in public that our children are well mannered and behaved. For me my children are busy but still behaved. As a homeschooling mother to a house full of children, I’m not going to lie, it can get overwhelming under certain circumstances like being short on funds but that has nothing to do with them and everything to do with me.

I am disheartened at how some people, usually family, will discredit my ability to parent by finding something to fault me about when growing up with my children. I don’t like to say raise them because in many aspects they teach me. We have a reciprocal relationship opposed to a dictatorship. You will never find fault in our ability to “raise” our children. We do our best and that’s all we can do. That’s all anyone can do.

We keep ourselves private for this very reason. Its funny how that can trigger someone to look down on you.

Everyone who knows me knows that I love love and laughing. I am not controversial. I will often choose your feelings over mine to keep the peace. And I am always sincere in what I do. I am the biggest crybaby in private and simply quiet and composed in public. I hate to be the center of attention and will boost anybody up. I am a gentle soul, connected to other’s pains often trying to fix things. I think before I speak and I never take a bet I could possibly lose. Family is everything but mine comes first. I spend most of my brain power trying to fix a situation that should have long ago died.

At this point I am so mentally drained. McRush and I have managed to create our own village and I don’t know why I fight so hard to be apart of any other one. I guess I’m just so simple that I cannot comprehend why love isn’t simpler.

Wouldn’t it be great if we all could let one another be who they are they way they wanted to be. Gently nudging them when we see them off track. Hugging when needed, space likewise.

All of my life all I ever asked and prayed for was to be happy. I guess I should have asked that those who love me be happy for me too.

Do you find it hard to be happiest when others around you aren’t happy for you?

10 kids too many.

You know the worst part of having 10 children is the fact that people equate more children with bad. People are amazed when we go in public that our children are well mannered and behaved. For me my children are busy but still behaved. As a homeschooling mother to a house full of children, I’m not going to lie, it can get overwhelming under certain circumstances like being short on funds but that has nothing to do with them and everything to do with me.

I am disheartened at how some people, usually family, will discredit my ability to parent by finding something to fault me about when growing up with my children. I don’t like to say raise them because in many aspects they teach me. We have a reciprocal relationship opposed to a dictatorship. You will never find fault in our ability to “raise” our children. We do our best and that’s all we can do. That’s all anyone can do.

We keep ourselves private for this very reason. Its funny how that can trigger someone to look down on you.

Everyone who knows me knows that I love love and laughing. I am not controversial. I will often choose your feelings over mine to keep the peace. And I am always sincere in what I do. I am the biggest crybaby in private and simply quiet and composed in public. I hate to be the center of attention and will boost anybody up. I am a gentle soul, connected to other’s pains often trying to fix things. I think before I speak and I never take a bet I could possibly lose. Family is everything but mine comes first. I spend most of my brain power trying to fix a situation that should have long ago died.

At this point I am so mentally drained. McRush and I have managed to create our own village and I don’t know why I fight so hard to be apart of any other one. I guess I’m just so simple that I cannot comprehend why love isn’t simpler.

Wouldn’t it be great if we all could let one another be who they are they way they wanted to be. Gently nudging them when we see them off track. Hugging when needed, space likewise.

All of my life all I ever asked and prayed for was to be happy. I guess I should have asked that those who love me be happy for me too.

Do you find it hard to be happiest when others around you aren’t happy for you?

It be that second child.

Listen. Nobody stresses me out more than my second born. Like, he really be trying my patience. I will talk to him until I am blue in face and he does not care. I be talking so long I be parched, tongue sticking to the roof of my mouth. 😂

I would tell y’all what I be talking about but you know, what you put on the internet stays on the internet and he won’t ever have friends. 😑

Ava is sick and Maia. I hate it. We have the heat on to dry out their wet coughs and noses. They have been sleeping it away most of the day so hopefully they’ll be better tomorrow.

I had an interesting workday. First of all I thought it was Wednesday. People booked back to back calls and 3 of them didn’t show up. One of our print clients minimized their order so that was a financial blow.

And to top things off its getting cold and I’m super pregnant meaning I can’t fit my cute winter stuff. I also refuse to go shopping because I declare that this will be my last pregnancy.

With so much going on, its safe to say I’m a little bummed out so I just took the rest of the week off. It happens though. Life has great ups so it must have great downs.

Happy Turkey week. ❤️

I took a nap.

Y’all know that song on tiktok that goes “I had a lot of things to do today but you know what I did instead? I took a nap”. This was so me. I couldn’t get in the house fast enough to curl up on the couch. What made it even better is Maia was asleep in my arms so she easily became my snuggle bunny. 😍

Those are the moments that moms dream of. Not this time though. I did it. It was short lived but much needed. This pregnancy is kicking my butt! Half of the time I don’t know if I’m coming or going. I just hit 27 weeks this week and these months are DRAAAAAAAGING!🙄

I don’t know if I told you guys but McRush joined the firm full time and I am LOVING it. We get to spend more time together and more importantly we fully parent together. No putting parent against parent which is something the littles like to do. Nothing big, just they will ask me and if I say No they’ll ask dad. 😑

For those wondering, no we do not argue. We have roles we play and we do them well. Now there were a few times when we get frustrated with work and may snap without thinking but nothing we can’t fix and understand. It makes for more balance. We’re such good friends that we get each other. We know when each other needs space and when we need more love. Its truly an amazing thing. ❤️

My oldest is back home, he works out of state. Isaiah got his first job and my mom bought a home only 2 hours away instead of 36. Life is definitely great. 🤗

I just did the numbers and we have a 32% increase in business compared to last year. We are building a printing portion to the brand which McRush is heading up and we already are slammed with orders. I’m also on track to put my book out in July so I am working on the podcast now! I am hella excited.😊

I am still committed to teaching other mom entrepreneurs live the life they want without sacrificing time or money to do it. 🤑

Click the link. http://www.RushConsultingFirm.com Because you deserve all the things you want the way you want them NOW.

Some truth about family, business and money. iRush edition.

Y’all wanna hear something not may Coaches/Consultants will tell you?

Imagine making 10k a month and waking up to $0.04 in your personal account.
This was me this morning.
This is why I don’t teach about money, I teach about sustainability in your business. This is the most money I have been making in my business since conception yet I still have children, operations, payroll, bills, etc.😭

Sure 10k months are amazing. In fact, I prayed for them, but this is why I say consistent is relevant. 5 years ago we were living off 2500 a month. It doesn’t matter how much I make because I’m not you. 10k to my family is a drop in the bucket. For someone else, its the life they yearn for. If you’re going to pray for consistency, be sure its consistently scaling. Consistently growing. Making the same money consistently is not the flex.😑

I would like to add that my account has much more money in it now that I paid myself for the day. 😜

The point of this post is that we are all learning and growing along the way. Don’t get caught up in who has what and/or where someone else may or may not be. Your journey is yours. Trust the process but more importantly work the process.

In my journey I will always be transparent and honest. I will hold myself accountable just as much as I do you. I am doing what I am passionate about and I teach you along the way through my failures and successes. In 5 years you’ll be glad you hired me and implemented what I taught because you’ll be sitting at the table with me not fawning over me. 😍
Click the link.
https://www.rushconsultingfirm.com/plans-pricing

What a HORRORble week. 🎃

😂😂😂 You see what I did there?

Awe! Come on! You have been following me long enough to know that I LOVE corny jokes. That’s mostly because I suck at them and I love to hear from others who suffer the same handicap. 😂

Really it wasn’t a horrible week (← 👀 I can spell horrible 😜).  If you consider shifting from your planning for the week and going by the seat of your pants horrible then yes. Yes it was. McRush and I had a rush print order so that consumed us. One of my clients decided that they want to expand more so that meant more research and collaborative efforts on their behalf in addition to strategy. PLUS another client is having employee issues so that’s BIG. This threw homeschooling for a loop because it meant I had to multitask and y’all know I hate that shit.🙄 But we are troopers so you know we knocked it all out of the park.

This is the part of business and family that I am talking about when I discuss planning. If we did not plan out our week we would have been lost trying to figure it out. Instead all we had to do was shift. We also found that we can do homeschooling differently and so far we love it. Its so much easier. If you want to know about that you have to book on the site. 😉 I can’t give you everything.

Overall the week was handled like a boss and I even bought myself something nice. Oh! I was also featured in Medium so that’s hella dope!

If you need help in your business or even the balance of life, why not ask someone who is doing it consistently, successfully, AND with 10 children? Click the link. Because You Deserve All The Things You Want The Way You Want Them, NOW!