Tiana Clewis: Whew chile, let me tell you, things have been out of control on Capitol Hill and have I got the tea for you?
All joking aside, things really have gotten a little insane on Capitol Hill because of a series of executive actions that were issued by our president this Saturday. So that means I have to interrupt my game plan for the month of August, cause we're talking about goal setting. Well, we can't talk about that right now because those executive actions have some serious consequences if they go through, if they kind of go through and then get reversed, if they don't go through it all... yeah, all these things matter.
So what we need to do is we need to break down what these executive actions say, why in the world they're so controversial in the first place and what you should do to protect yourself in the meantime.
Hey Dreamers and welcome back to my channel, where we break down all things money, so it can stop being an obstacle and start acting like what it is: a tool to help you build the life that you truly find worth living.
Now before we can really start digging into these four executive actions that were released this weekend, I got to introduce myself to the new folks in the crowd. My name is Tiana B. Clewis and I'm a Financial Lifestyle Coach, an author, public speaker, podcaster, YouTuber - yeah, I wear a lot of hats, okay - and my entire mission is to help women entrepreneurs transform their relationship with money so they can dump debt, save money and start stepping into the financial freedom that they deserve.
If you want to join me on this journey, let me know by liking this video and hitting that big red button below so you can subscribe to my channel. Don't forget to hit the bell so that you're notified every time I dropped brand new money tips and strategies each and every Wednesday.
Okay, we got that stuff out the way. Let's talk about these executive actions.
So the first thing I have to do is I have to tell you guys what actually happened on Saturday.
So this Saturday, President Trump, he is at one of his golf resorts in New Jersey and he decides that he's going to have a press conference. And in the press conference, what he starts doing is talking about the failure of Congress to come with a deal.
Now I've mentioned this before, how the Republicans and the Democrats, they are not seeing eye to eye right now. And since the Republicans control the Senate and the Democrats control the House, if they can't agree on something things are deadlocked.
The problem is with this gridlock, it's... sigh... it's about to cause some drama. Okay?
So at the end of July, some key things expired. For example, there was a moratorium on, or basically a stoppage, on evictions and foreclosures because a lot of people are out of work, uh, unemployment is at record levels. And so because of that Congress said in the CARES Act that we need to shut down evictions and foreclosures for a time period. So they originally set it to end at the end of July, but now we're in August and we still need it. So we still need to stop evictions and foreclosures, otherwise you are going to potentially have millions of people, and especially minorities, that are going to be homeless.
And so that is one thing that is freaking people out.
Another thing it's freaking people out is the fact that at the end of July, the extra $600 a week that was going to unemployed individuals has been wiped out.
Now it's one of those things where there's different schools of thought. So the first thing you have to consider is that there are a lot of people who are making more money with unemployment than they were making at their previous job. And that's because if you do the math, you realize that that extra $600 a week really amounts to a $15 minimum wage. And since we know that our minimum wage is like $8 and something cents - I should've looked it up before I recorded this, but it is what it is. I couldn't remember - but either way, our minimum wage is way too low. It's definitely way below a minimum... a living wage.
And for that reason, a lot of people are saying - especially on the Republican side - are saying that that extra $600 a week, it's just, it's an incentive for people not to go back to work.
And normally I would agree with you. And normally many, uh, economists would agree with you as well. The problem is when you look at the job market right now, there are actually more people unemployed than there are jobs available. And so when you look at a market like that, where there's more unemployed people than available jobs in the country, you run into a situation where, even if every single person that wanted a job applied for those jobs and all of those jobs got filled, there would still be a big pool of unemployed people.
So that creates an issue where, okay, if there's not enough jobs to employ everybody anyway, we have to find a way to take care of those people because there's no jobs for all of them. And so president Trump was like, well, okay, I'm going to come up with something to do something about that, because that got wiped out at the end of July. We're in August. These people are no longer receiving that extra money.
And that on top of the fact that foreclosures and evictions are no longer shut down, it now means that people are even in more dire straits.
The other two issues that were covered by The President this Saturday, they weren't really emergency situations, but one of them was something that definitely needed to be addressed eventually and then the other one... I'm going to be honest. I'm just a little confused about it.
So one of them is the deferred payroll taxes, which I was a little confused. Now I do understand how, um, differing payroll taxes can be helpful, but it's not really something that the Republicans or the Democrats are really talking about as the best option. So I'm not really sure where that one came from. Um, but you know, he does what he does, whatever decision he makes is what he decides, but that's one of the things he dresses.
And then the other one that he addressed that was not an emergency, but is something that eventually needed to be dealt with was the handling of federal student loans.
So as many of you know, federal student loans, the interest rates have been reduced to zero and people are not being required to pay on their federal student loans if they don't want to. So if you have the money and you want to repay it, you can, and the beautiful thing is you can accelerate your repayment of that loan because the interest rate is now set to zero for... at least for the moment.
Well, that is going to expire at the end of September, and so that's something, yeah, he wanted to address as well before it even became a problem.
So The President is trying to fix a problem created by Congress. No big deal, right?
Wrong! Actually, he's not allowed to do these things. That's what makes the whole thing dramatic.
Think about this. Remember back when you were in your government class, this was probably like middle school or early high school, and you talked about the three branches of government: the executive branch, the legislative branch, and the judicial branch.
Well, the legislative branch is all about making and changing laws, which includes "power over the purse", which is how things... how money can be spent. Then you have the judicial branch, which interprets the law and the Constitution an enforces it. And then you have the executive branch, which executes the law.
The problem is that with these executive orders, in many ways, The President is trying to create or change laws, and that is a total issue with separation of duties.
Now, yes, presidents in the past have used executive orders and executive actions as kind of a way to try to create laws. People talk about it often with Obama and DACA.
The thing that makes this extra weird is the fact that Trump is a Republican president. Think about it, conservatives, Republicans, they are all about small government. They're All about a more literal interpretation of the Constitution.
Well, it's the Constitution that says that we have the separation of powers and the three branches of government. So for the executive branch - when that's Republican led - to jump into the role of the legislative branch is so counter-intuitive to what Republicans do, it's kind of mind boggling for a lot of people.
And then when you add in the fact that this political climate is a little cray cray, it was to be expected that this sort of executive action will create a ton of drama.
So that's why it's so insanely controversial.
So now we know the four concepts he covered, we know why it's so controversial, but what we need to understand is what each of these executive orders really does, because let's be real... some of them don't really do what he advertised them as doing. And that's not even me saying that as like a... that's not even like an anti-Trumper comment, it's just a "let's look at the facts" comment. Since when you look at how he advertised that joint - and I will link to his press conference in the description so you can watch the press conference for yourself - but when you look at how he described what the executive actions were going to do, and then what they actually do, they don't quite line up.
So yeah, we gotta talk about the fact. So I'm going to walk through each of the four executive orders, I'm going to walk through specific issues that exist with them, and how you can try to prepare yourself for the various different scenarios that might come up as a result of each of those orders.
Let's start talking about the first one, which is the only executive order in the bunch. So this one specifically addresses the issue of, um, renters and homeowners the evictions and the foreclosures. Now, the way that it was advertised in the press conference is that he was putting a stop to the foreclosures and evictions for the end of the year.
Well, that's not quite true. Okay?
So there's a lot of stuff in here and some of it is propaganda which - again, the executive order and the executive memorandums, I'm gonna put those in description as well. Links to them, cause I got this off the White House website and it's kind of funny to read because each of these has a little bit of like political propaganda in it. So if you are tickled by propaganda, like I am go, ahead and go to those links and read it because it's kind of funny.
But when you specifically look in this executive order and you start looking at what is specifically being done, the core section that you really want to focus on is section number three, which says "Response to Public Health Risks of Evictions and Foreclosures."
Section 3a says "The Secretary of Health and Human Services and the director of the CDC shall consider whether any measures temporarily halting residential evictions of any tenants for failure to pay rent are reasonably necessary to prevent the further spread of COVID-19 from one state or possession into any other state or possession."
So basically these are instructions to do research, to see if any, they need to be done to potentially stop these evictions.
Section 3b says "The Secretary of theTtreasury and the Secretary of Housing and. Urban Development, HUD shall identify any and all available federal funds to provide temporary financial assistance to renters and homeowners who, as a result of the financial hardships caused by COVID-19, are struggling to meet their monthly rental or mortgage obligations."
So this is saying that these two organizations, the Secretary of the Treasury and the Secretary of the HUD... Secretary of HUD, they need to do some research to see if there's federal money available so that we can provide aid to these people.
Section 3c says "The Secretary of Housing and Urban Development, again HUD, shall take action, as appropriate and consistent with applicable law, to promote the ability of renters and homeowners to avoid eviction or foreclosure resulting from financial hardships caused by COVID-19. Such action may include encouraging and providing assistance to public housing authorities, affordable housing owners, landlords and recipients of federal grant funds and minimizing evictions and foreclosures."
Again, this sounds like more research. Research to figure out, is there any way that we can help these people avoid being evicted and avoid being foreclosed on. In it, this one specifically, does they take action - this is the only one that I see that specifically says to take action. The rest of them say research basically, or to consider.
And section 3d says "In consultation with the Secretary of the Treasurey, the director of FHFA, which is the Federal Housing Finance Agency, shall review all existing authorities and resources that may be used to prevent evictions and foreclosures for renters and homeowners resulting from hardships caused by COVID-19."
Once again, that's research.
So the problem here is it was... it was presented as if it was going to stop evictions and it was going to stop foreclosures, but not necessarily. He's basically instructing these organizations to do some research and figure out what they can do to stop it, which frankly is something they should have been doing in the first place cause it's kind of their job.
Okay, I got a little tense on that one.
But the point is, there are no actual determinations being made here. There's no... there's... there's no direct action that has to be taken right now. It's just basically do some research and make some determinations on what next steps should be and then there's one that says, take some action based on your determinations, but ultimately, it's do some research and make some determinations.
The problem is if those determinations happen after you're evicted, after you're foreclosed on, unless those determinations include some sort of recourse to... to kind of right your situation, you're still stuck.
So if you are facing eviction and you're facing foreclosure, what you really need to be doing is Plan A: do your best to negotiate with your bank or your landlord to try to stay in your home as long as possible.
That might mean you have to take on a second job. That might mean you have to, like, pay a little extra on your rent each month now over and, uh, pay a little extra on your rate over an extended period of time until you're technically caught up. Like, find some way to work with your landlord or your bank to see what you can do.
And if there's nothing that you can do well, you should still be working on Plan B, which is finding another place to stay. And this is one of those moments when you have to check your ego. So if you're in a place where you're about to lose your home, you're about to get kicked out of your apartment or whatever, you have to check your ego.
So if that means that you have to pack up all of your stuff, move back in with your mama for six months and put a bunch of your stuff in storage - I've done it before - then that's just what you need to do.
You have to have a Plan A, which is try to negotiate so you can say in your home and a Plan B, figure out what you're going to do if those negotiations do not work, because this is nothing more than a research, potential determinations with no timeline, no deadline.
There's no telling what they'll say and they might decide that, you know what, there's nothing there used should be done. Or they might decide there's no money to use to do any of it anyway, so it does it matter.
So do not depend on this to stop your eviction. Don't depend on this to stop your foreclosure. As the way it's worded right now, it's not going to do any of that.
Now the second one that I want to cover is the ones specifically talking about the, uh, the unemployment, the extra $600 a week that was being given out.
Now, I'm not going to read through this one because it's a lot longer actually than the first one. But basically what it does is it says we're going to go ahead and continue to give you extra money every week, but there's going to be some rules around this.
So one, the number's going to go down. The number is going to go down to $400 a week instead of the $600 a week that you were receiving.
But here's, what's gets really interesting about it. There's two things that make it very interesting.
The first thing that makes it interesting is that the federal government is only going to pay 75% of that. Which means the federal government of that $400 is going to pay $300. They want the States to pay the other $100, which is highly problematic because most of the States are currently asking for federal help and federal funding to help combat the pandemic.
So if they need federal funding to help them combat the pandemic, how are they going to come up with an extra $100 a week for all of the unemployed people in their state? That's not going to work.
And in fact, many governors have already commented on that. I was listening to one reporter, talk about it and as soon as The President issued this executive memorandum, she got on the phone with this particular governor and the governor laughed and said "I don't know where he thinks his money's going to come from."
Now that being said, this does specifically say that the money should come from federal funding that's already been provided to the States. But if the States have already spent that federal funding on other things that they needed, like, I don't know... testing and contract tracing? If they've already spent that money, where are they supposed to pull it from?
So that was very interesting.
The second thing that makes it very interesting is that this executive order says that this new program for how to distribute this extra $400 a month is supposed to be done through FEMA, which is the Federal Emergency Management Agency, which everyone knows they have had a terrible reputation since their lackluster response to Hurricane Katrina back in 2005.
I know it was 15 years ago, but it didn't - look, that was big. Okay? It was bad. It was horrendous. And a lot of us love New Orleans, so they still get the side-eye. Okay?
But the program has to be handled through FEMA. So that means that this new $400 a month has to be coordinated through a brand new program that doesn't yet exist. And for that reason, a lot of people are saying that, aside from the fact that this has impact on the purse, it steps into the legislative branch, like I mentioned earlier, because you're setting laws about... you're trying to kind of set a law about where money's going to be spent and how it was going to be spent. Aside from that fact, even if you could get this thing going, it'll probably be months before it can get going because a brand new program has to be created to distribute these funds.
So yeah, so this one has a lot of interesting issues. So even if you do qualify - which basically if you're on unemployment because of coronavirus, you qualify - even if you do qualify, there's a very good chance that either one, the money's never going to come in. Two, if the money comes in, you only get $300 instead of the full $400. And three, if the money ever comes in, it might be months from now, which by that time you might've actually found herself a new job.
So I need you to figure out what you're going to do. So if that means that you're going to have to take on a second job, take on a second job. If it means that you have to start a side hustle, start a side hustle. If it means that you have to downsize your entire life so you can make it, downsize your entire life so that you can make it.
Do not depend on this $400. It's probably not coming and if it does, it's not going to be anytime soon.
Now to move onto the third executive action, which specifically talks about federal student loans, their repayments and deferments.
So this one is pretty cut and dry. What it's telling the Secretary of Education to do is, "they shall take action pursuant to applicable law, to effectuate appropriate waivers of and modifications to the requirements and conditions of economic hardship deferments described in various laws and provide such deferments to borrowers as necessary to continue the temporary succession of payments and the waiver of all interest on student loans held by the department of education until December 31st of 2020."
So cut and dry. They're just saying, figure it out, but whatever you figure out, make sure that people don't have to pay, that their interest rate is still at 0%, and what they've been doing since the CARES Act was passed with student loans continues to happen. That cut and dry.
But again, that potentially has the ability to step overboard into the legislative segment. And that's specifically because when you start to look at, um... when you start to look at how the Department of Education is run, every single program that the Department of Education implements has to be approved by Congress and the spending, the money allocation related to each of those programs, it also has to be approved by Congress.
So it creates the question of: who actually has the authority to be able to stop these payments? Does the Department of Education have the ability to tell people to stop making payments on their federal loans, even though that impacts the purse? Or is that specifically with Congress since it does impact the purse? So that's really the controversy and the question that people are having here.
Many are on the side of no, and executive action cannot do that. It has to be done by Congress. And so that's why we have all the drama.
Now the thing about this one is that it actually can be implemented, even if it is something that Congress pushes back on.
Because remember, since what's being done with these executive actions, it's kind of an overstep from the executive branch into the legislative branch, it can set a very dangerous precedent that Congress more often than... more than likely, Congress is going to try to address this dangerous precedent. They don't necessarily want presidents to get in the habit of using executive actions and executive orders to write laws. The more often you allow it, then the more it erodes that separation of powers that our country was founded on. And so Congress more than likely is going to try to combat this, which has been talked about heavily.
So, if Congress combats this though, this regular program can still go into effect because basically it just means that what the Department of Education was going to turn off, they just keep it on. They just keep the deferments on. They just keep the zero interest rate on. They just don't change anything that they're doing right now. However, they have to swap the system to turn those interest rates back up, to turn those payments back on, they just don't do it.
So this actually can be implemented even if Congress does step in and say, "No, we have a problem."
That being said, it means it leaves you in a slightly awkward situation because the natural instinct is that if I don't have to pay these right now and it's at 0%, your natural instinct is, "Well, I need the money so let me not pay this." But it puts you in a dangerous situation because a worst case scenario is that these things get deferred, Congress, uh, goes up against it and wins, and then, because of how things are designed, you end up not only having to pay the money that you hadn't paid before, but you ended up with interest, fees and penalties because you didn't pay it.
Now, is it likely that Congress is going to handle it that way? Probably not, but again, that's worst case scenario and I kinda want to prepare you for worst case scenario.
So my recommendation is just to go ahead and continue to pay your student loans. If, for example, they're setting it... because it's at 0% interest rate, what will happen is it will be applied directly to principal.
So what may end up happening is that, if you're paying your student loans, like you normally would worst case the scenario with that is that they hit you and say, "Well, you still need to pay the interest." But that kind of gives them a little option because what they can do is they can adjust the system and just like kind of rearrange the amortization table to accommodate that and there's no impact to you. Or in that worst case, you just have to go back and pay the interest.
So, that one's a little tough, a little iffy, um, cause you can't necessarily control whether or not they are going to apply the amount to interest, especially if they turn the interest back on and say it should have been on the whole time. There's not really anything you can do to control that.
But your best case scenario really is just to continue to pay on your student loans that way, if they do decide that we're going to turn it back on, they're going to say that you should have paid it the whole time, but they'll adjust the amortization table to say... to apply some of it to interest when it originally would just apply to the principal, that'll be fine. You'll be kind of covered there.
And if worst case scenario, they do say "No, we're just applying that to principle and you still have to pay the interest," at least you ONLY have the interest instead of the full on payment.
Now, if you are one of those people who's in a situation where you can't actually afford to pay your student loans right now, then my recommendation is to do what you can to create space to be able save some money. So at least with... if worst case scenario does happen and they come back and they say, you should have been paying this and here's what you're gonna have to pay, at least you can try to have some sort of a little bit of a fund set aside to help you pay that big lump amount that might come up.
Remember we're talking worst case scenario. I don't think that's how it will play out, but again, I wanna prepare you for worst case scenario because sometimes Capitol Hill be wyling and they do stuff and you be like, "Why?" So just in case, do your best to save as much money as you can, so that if worst case scenario does happen, you do have something set aside to be able to take care of that.
Now for the last one, which confused me a little bit because I'm like, "but nobody really wanted this," is the payroll taxes deferment.
Okay, so payroll tax deferment on the surface, it looks awesome, right? Because when you're talking about payroll taxes, it means... what it's basically saying in this executive order - which I'm not going to read, um, because it's confusing and I had to read through it like five times before I got it - um, what is basically saying is that you won't have to pay payroll taxes for a certain window. Basically from September 1st to December 31st, you would not have to pay your payroll taxes.
At least not then.
The payroll taxes are deferred. They're not forgiven.
Now there is a provision in here where it says that "the Secretary of the Treasury will explore avenues, including legislation to eliminate the obligation, to pay the taxes deferred."
However, if they defer it... worst case scenario is that they defer the payments, they defer the payroll taxes - which means you get more money in your pocket, which is always great - but they defer it, but then Congress pushes back, Congress wins and there's no forgiveness. If there's no forgiveness, you're about to get hit with a really big fat tax bill that you probably were not preparing yourself for.
That is worst case scenario.
And the thing is you can't even control whether or not they stop taking the payroll taxes out, which means now you have to be vigilant to see what actually happens.
So more than likely, I don't think that this is actually going to ,get implemented. That is the most likely scenario based on my understanding and my research. More than likely this is not going to happen.
Again, this requires a change to tax law. The executive branch cannot write tax law and what this executive memorandum does is it kind of writes tax law. Even deferments of taxes are part of tax law. And so, since The President can't do that, this ends up becoming a major issue.
And so, because The President can't do that and because it's going to require the IRS and the federal government to do a bunch of things to implement this, more than likely this probably will not get implemented until Congress and, um, and the White House, battle it out in the judicial branch.
So it's probably not going to happen, but if it does, what you really need to do is just monitor your, uh, monitor your pay stubs to see if extra money pops through. And if extra money pops through, you really want to take that extra money, set it aside and save it because when that big tax bill comes later, you're going to need the money to pay the tax bill. And it's going to be really hard to try to come up with that money out of the blue.
So I really want you, if they do somehow manage to implement this, take that extra money, set it aside and just have it there for when it's time to pay your taxes because trust and believe nobody wants a big tax surprise next year... you don't want it.
So, yeah, I know that we covered a lot, it was a little lengthy, but we had to break down what was going on. It was just a lot happening as a result of Saturday. That is the reason why you see so much drama on Capitol Hill right now, because there's overstepping separation of duties and there's just... things are complicated and it sounds one way, but it's actually another way, and it's just a lot of different chaos.
People are angry. People are confused. People are irritated. So I just wanted to break it down because I didn't want you to be sitting here really confused, wondering what you should do, what should happen. That's the reason why I had to break everything down.
So with that, I hope you are feeling much more prepared and that you're able... That you feel like you're in a place to be able to handle that whatever the White House, whatever Capitol Hill throws at us as a result of these four different executive actions that were signed this Saturday.
As a matter of fact, if you feel like you're confident, hey, drop it... drop it down in the comments. I want to know.
And if you're not feeling confident, you still have some questions, drop that down in the comments as well. That way I can do my best to answer them because I will be in the comments responding to each and every one of you. Okay, so I want you guys to feel safe, secure, and ready to handle this.
By the way, if you want to continue this particular conversation - cause I will be following this story very closely and I will be keeping my people updated - well, the best place to be part of the conversation is in the Dreamers Financial Sanctuary. It is a Facebook community of women entrepreneurs who have gotten together to dump dent, save money and step into financial freedom.
We're talking about this. I already told them that this episode was coming. I shared with them the article. I told them, "Ladies, we got to talk about this because this impacts your money and this might influence what you do and do not do." So if you want to continue to be part of the conversation, become part of the Dreamers Financial Sanctuary Facebook community.
All you have to do is go to my website at tianabclewis.com/sanctuary and it will get you a exactly where you need to be.
Now be sure that when you hit that "Request to Join" button that you answer the questions because if you don't answer the questions, I'm going to assume you're not serious and I'm not going to let you in. I love you, but no. So make sure that you answer the questions after you hit that "Request to Join" button. I can't wait to be there. I cannot wait to continue the conversation with you.
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So you get to watching the videos and I'll talk to you soon. Bye bye.
On August 8, 2020, when President Donald Trump signed more than one executive order on coronavirus relief, all chaos and confusion reigned. Members of Congress say the orders violate separation of powers in the Constitution. Some say the unemployment relief, foreclosure relief and deferred payroll taxes are political stunts. But will they help American’s survive unemployment or keep more money in their pockets? Maybe… okay, probably not…
Continue the conversation by joining Tiana in the Dreamers Financial Sanctuary, a Facebook community of fellow women using their hard-earned cash to dump debt, save money and create the life of their dreams at https://www.tianabclewis.com/sanctuary
TIMESTAMPS + LINKS
1:42 - President Trumps August 8, 2020 Press Conference - https://youtu.be/QCTicBFE5t0
6:16 - The Controversy
9:00 - Executive Order on Fighting the Spread of COVID-19 by Providing Assistance to Renters and Homeowners - https://www.whitehouse.gov/presidential-actions/executive-order-fighting-spread-covid-19-providing-assistance-renters-homeowners
14:33 - Memorandum on Authorizing the Other Needs Assistance Program for Major Disaster Declarations Related to Coronavirus Disease 2019 - https://www.whitehouse.gov/presidential-actions/memorandum-authorizing-needs-assistance-program-major-disaster-declarations-related-coronavirus-disease-2019
18:25 - Memorandum on Continued Student Loan Payment Relief During the COVID-19 Pandemic - https://www.whitehouse.gov/presidential-actions/memorandum-continued-student-loan-payment-relief-covid-19-pandemic
24:24 - Memorandum on Deferring Payroll Tax Obligations in Light of the Ongoing COVID-19 Disaster - https://www.whitehouse.gov/presidential-actions/memorandum-deferring-payroll-tax-obligations-light-ongoing-covid-19-disaster
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BOOK: Ready to stop suffering under the weight of debt or living trapped in the paycheck to paycheck cycle with no hope of making your dreams come true? In “That Tool Called Money”, Tiana equips families with a step-by-step plan to discover and create the lifestyle that they have only dreamed about. Grab your copy at https://www.tianabclewis.com/book
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Music is “Daydream Lo-Fi Hip-Hop” by lucafrancini https://elements.envato.com/daydream-lo-fi-hip-hop-KJVX97F
ON YOUTUBE: https://youtu.be/9V-u89gvwWI