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How Mastering Self-Discipline Has Helped Me Reach New Levels

City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

Release Date: 09/08/2025

5 Money Lessons 2025 Taught Us and How to Apply Them in 2026

City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

Can you believe this is the final episode of 2025? It feels surreal to be closing out another year of the City Girl Savings Podcast—211 episodes of financial education, mindset shifts, and real conversations about building the life you want through better money management. If you've been tuning in all year…whether this is your very first episode or you've listened to all 50+ episodes released in 2025…I just want to say thank you from the bottom of my heart. Truly. Your support, your listens, your shares, your reviews, your messages about how an episode changed your perspective... they...

6 Ways to Assess Your Goal Progress and Set Better Goals

City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

As the year winds down, I always find myself in reflection mode—looking back at the goals I set at the beginning of 2025, evaluating what went well, what didn't pan out, and most importantly, what I learned along the way that will make me better at goal-setting moving forward. And let me tell you, goal setting is one of my absolute favorite things to do. I love the process of dreaming big, planning strategically, and mapping out what's next for my life and business. But if I've learned anything over the years of setting and tracking goals, it's that how you set your goals (and how you track...

My Personal and Business Goals for 2026

City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

Wow, how is it that another year is almost behind us? The older I get, the more I feel like time is just flying by, and if you're not intentional about making the most of your time, you'll get left behind chasing goals you never quite reach. This reality feels even more true as I reflect on 2025 and look ahead to what I want to accomplish in 2026. In the spirit of making the most of my time and staying intentional with my progress, I'm a firm believer in the power of planning, setting, and reflecting on goals…both personal goals for my life and business goals for City Girl Savings. But...

10 Quick Financial Wins to Achieve Before the Year Ends

City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

We're officially in the final stretch of the year, and you know what that means: holiday parties, family gatherings, and probably a little too much spending on gifts, decorations, and celebrations. But before we get caught up in all the festivities and lose sight of our financial goals, I want to remind you of something important: it's not too late to make some powerful moves with your money before the year ends. Here's the thing so many people get wrong: you don't have to wait until January 1st to start improving your finances. In fact, the last few weeks of the year are actually the perfect...

Pleasing Yourself Instead of Others with Therapist Jamila Holcomb

City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

I tell my money coaching clients all the time that if their health isn't right, it doesn't matter how great their money is—they won't be able to make the most of it. You could have a six-figure salary and a robust investment portfolio, but if you're mentally and emotionally depleted from constantly putting everyone else first, none of it brings you peace or fulfillment. Mental health is something that doesn't get anywhere near enough attention, especially for women who are taught from a young age to be caregivers, nurturers, and people-pleasers. It impacts so many areas of our lives…our...

5 Financial Blessings You May Be Overlooking

City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

November is such a wonderful month, not just because of the cozy weather or fall vibes (although those are great), but because it's a season where we naturally slow down and reflect on what we're grateful for. But when it comes to money, I've noticed something troubling: so many of us focus exclusively on what we don't have: the bigger salary, the dream home, the overflowing savings account…and we completely overlook the financial blessings that are already right in front of us. This scarcity mindset keeps us stuck in a cycle of never feeling like we have enough, even when we're making...

6 Strategies to Maximize Every Dollar You Make

City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

Before you're ready to make more money, you must master the money you currently have, and I will die on this hill. Here's the truth many people don't want to hear: a lot of us convince ourselves we need more income when, in reality, we need to control our spending habits first. It's either an income problem (you truly don't make enough to cover basic needs) or a behavioral problem (you spend too much, leading you to believe you don't make enough). And here's why this distinction matters: if you have a behavioral spending problem and don't fix it before earning more, those bad habits will scale...

Not Burned Out, But Not Excited? How to Move Through the In-Between

City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

Feeling stuck between where you are and where you want to be? You're not alone. Many high-achievers experience this 'in-between' phase…not quite burned out, but lacking the excitement and motivation that once drove them forward. It's that uncomfortable space where you're functioning at a higher level than before, yet still far from your ultimate goals. The spark is gone, but so is the clarity about what to do next. This life transition and career plateau is completely normal, but you don't have to stay stuck in the fog. A year ago, I found myself in this exact place: consumed by content,...

How to Start a Profitable Side Hustle with Coach Latasha Peterson

City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

Building multiple income streams is no longer optional…it's essential for financial freedom. The average millionaire has 7 income streams, and side hustles are one of the most accessible ways to diversify your earnings. Whether you want to pay off debt faster, save for big goals, or create passive income, starting a side hustle can transform your financial situation. Learn proven strategies from coach Latasha Peterson on how to launch and grow a profitable side business. Get ready to succeed in your side hustle era! Here’s What You’ll Learn in This Episode: How to identify the...

My Journey to a Regulated Nervous System

City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

Chronic stress and burnout are epidemic among entrepreneurs and high-achievers. In 2025, prioritizing nervous system regulation isn't just wellness - it's essential for sustainable business success and mental health. After experiencing the physical toll of chronic stress and high cortisol, I'm sharing my journey to healing and the practical steps that are transforming my health. I’ve made it my mission to regulate my nervous system. I want to feel better. I took the first step in this mission by scheduling an appointment with a naturopathic doctor. She did a deep dive into my bloodwork and,...

More Episodes

I’ve accomplished a lot in my life and while there is still more I want to do, and by no means do I think I’m perfect, I do feel like I’ve mastered self-discipline well enough to get me to where I’m at today.

Mastering self-discipline over the years has no doubt helped me to reach new levels and goals I didn’t know how to obtain.

Being able to tell myself no, to hold myself accountable to the things I say I’m going to do, and stay disciplined in the face of temptation has built a resiliency and confidence in myself that I’m proud of.

I think anyone can do and feel the same. In this episode, I’m sharing how mastering self-discipline has helped me reach new levels.

My hope is that you take some things away from this episode to start working on your own self-discipline.

Here's a glance at this episode:

[01:40] Raya shares what self-discipline means to her. Raya sees it as the ability to get things done, even when she doesn’t want to.
[05:15] Raya’s consistent workout routine has helped Raya keep her body free from pain, enhance mobility and increase her mental fortitude.
[09:00] Raya shares that she’s not the type of person who functions best going into the unknown. She prefers planning and preparation.
[13:58] Instead of letting increased weight gain (with a consistent workout routine) derail Raya, she shares it encouraged her to find a real solution.
[17:35] What goal will have the most impact on your health, mind or well-being? Focus your energy on that goal and see how it impacts other goals.

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This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

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Resources mentioned in this episode:

Listen to Episode #119 – How I Grew My Business While Working Full-Time in Corporate

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