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

Make good money but still feel behind financially? Struggling with budgeting, overspending, or figuring out where your money actually goes? Whether you’re living paycheck to paycheck, earning a solid income but struggling to stay organized, or ready to finally build real wealth...The City Girl Savings Podcast is your weekly money reset. Hosted by Money Coach and City Girl Savings founder Raya Reaves, this podcast helps women master budgeting, improve money management, stop overspending, pay off debt, and confidently build wealth...without giving up the lifestyle they love. Raya knows what it feels like to make money and still feel out of control. After years of overspending and credit card debt, she transformed her finances using simple budgeting systems and intentional money habits. Today, she’s a full-time financial coach, second-home owner in Palm Springs, and wealth-building entrepreneur...and she teaches women how to do the same. Each episode covers topics like: • Budgeting systems that simplify your life • Money mindset shifts that build confidence • How to stop overspending and save consistently • Paying off debt and keeping it at $0 • Building wealth while still enjoying your lifestyle • Financial organization, goal setting, and long-term security If you’re a working woman who makes good money but knows you could be doing more with it, this podcast is your weekly money reset. Press follow and let Raya be the money coach in your ear every Monday...helping you budget your way to a life you truly love. Follow City Girl Savings on your favorite podcast platform, or visit: citygirlsavings.com to learn more! Join the weekly newsletter for practical money strategies and mindset shifts: https://citygirlsavings.activehosted.com/f/31 Connect with Raya on TikTok, Facebook, or Instagram: @citygirlsavings

6 Steps to Budget for Travel Without Stress or Guilt 08/17/2026

6 Steps to Budget for Travel Without Stress or Guilt There was a time when I planned vacations completely backwards. I'd decide where I wanted to go, book the trip, and then figure out how I was going to pay for it later. Sometimes that meant relying on credit cards. Sometimes it meant pulling money from other priorities. And almost every time, it meant coming home from an incredible trip feeling financially stressed. Thankfully, that's no longer how I travel. Today, I still prioritize experiences and vacations, but I have a system that allows me to enjoy them without bringing financial regret home in my suitcase. In this episode, I'm walking you through the six-step travel budgeting process I use before every trip. We'll talk about planning ahead, building a travel fund, using travel rewards strategically, and making room in your budget for the experiences that matter most. Because a vacation should leave you with great memories, not lingering financial stress. In this episode, we discuss: Why planning your trip before spending money changes everything How to estimate travel costs without feeling overwhelmed Why pricing flights, hotels, and transportation early gives you more flexibility How a travel sinking fund makes vacations less stressful Why breaking a trip into monthly savings goals makes it more achievable How to use credit card points and travel rewards responsibly Why travel rewards should support your budget—not replace it How to enjoy your vacation without guilt or financial anxiety Why you don't have to stop traveling while working toward other financial goals How intentional planning allows you to enjoy both financial progress and meaningful experiences This episode is especially helpful if you: Love to travel but struggle to budget for it Feel guilty spending money on vacations Usually pay for trips after you've already taken them Want to travel without relying on credit cards Are balancing travel goals with saving, investing, or paying off debt Want a simple system for planning future vacations Why this matters: Travel doesn't become stressful because you took the trip. It becomes stressful when the financial planning happens after the vacation instead of before it. One of the biggest mindset shifts you can make is realizing that budgeting for travel isn't about limiting your experiences…it's about protecting them. When you've planned ahead, saved intentionally, and built travel into your financial plan, you're able to enjoy the experience without worrying about how you'll pay for it later. That's what intentional budgeting makes possible. It allows you to create memories without creating financial setbacks. Because your financial goals and your travel goals don't have to compete with each other. With the right plan, they can support one another. Timestamps: [02:19] Travel hacking can absolutely help you save money, but most of us still need a plan for how we're going to pay for everything that comes along with a trip. [04:47] When budgeting for your trip, price out the biggest expenses first. Raya shares she researches flights, hotels, and transportation before anything else. [08:01] Even if Raya doesn’t have a trip planned, she saves for it regularly throughout the year in a sinking fund. [13:06] Give yourself permission to enjoy the experience of your trip. If you plan and save for it, allow yourself to enjoy it. Resources Mentioned: Episode #30: t Episode #12: Request a with Raya If you've been waiting until the last minute to figure out how you'll pay for your next vacation, I hope this episode encourages you to flip that process around. Start with the plan. Build the savings. Give yourself time. Then, when it's finally time to pack your bags, you can focus on making memories instead of worrying about money. Travel doesn't have to derail your financial goals, and your financial goals don't have to keep you from experiencing the world. With a little planning, patience, and intention, you really can have both. Money isn't just meant to be managed well…it's meant to support a life you're excited to live. Don’t forget: You are not behind, you are building. Your consistency compounds, and the steady work you're doing now is shaping your next level. /episode/index/show/citygirlsavings/id/41964970

Why Experiences are Worth Budgeting For (More than Things) 08/10/2026

Why Experiences are Worth Budgeting For (More than Things) If someone had handed me $1,400 in college, I would have spent every dollar shopping. In fact...I did. I walked away with bags of clothes, shoes, and accessories that made me feel happy in the moment. Years later, I can barely remember what I bought. I even accidentally threw away one of the shopping bags before realizing there was still a dress inside. Today, if you handed me that same $1,400, I'd spend it completely differently. I'd book a trip. Not because buying things is wrong. And not because spending money is bad. But because I've learned that some purchases continue adding value to your life long after the money is gone. For me, those purchases are experiences. In this episode, I'm sharing why I believe experiences are worth budgeting for, what research says about experiences and happiness, and how to spend intentionally on the things that truly enrich your life—without sacrificing your financial goals. Because building wealth isn't just about growing your bank account. It's about creating a life that your money allows you to fully enjoy. In this episode, we discuss: Why experiences often create more lasting happiness than material purchases What research says about spending money on experiences versus things How travel and shared experiences become part of your story Why experiences often strengthen relationships and create lasting memories How experiences can help you discover what you truly value Why intentional spending looks different for everyone Why meaningful experiences don't have to be expensive How to balance financial goals with enjoying your life today Letting go of guilt around spending on what matters most How to build a budget that reflects your values instead of someone else's expectations This episode is especially helpful if you: Feel guilty spending money on travel or experiences Want to enjoy life without feeling like you're falling behind financially Are trying to balance saving money with creating meaningful memories Want your spending to better reflect your values Have financial goals but don't want to put your life completely on hold Are working toward a life that feels both financially secure and deeply fulfilling Why this matters: Managing your money isn't about saying no to everything you enjoy. It's about making intentional decisions that support both your future and your present. When your spending reflects what truly matters to you, money becomes more than numbers on a spreadsheet. It becomes a tool for creating memories, strengthening relationships, exploring new places, and building a life that feels rich in more ways than one. The goal isn't to spend more. The goal is to spend better. To spend on the experiences, people, and priorities that continue adding value long after the money is gone. Because when your budget aligns with your values, it becomes easier to spend confidently, save intentionally, and let go of the guilt that so often surrounds money. Timestamps: [01:23] Raya shares her evolution with spending: some purchases continue adding value to your life long after the money is gone. [04:40] Research has shown that experiences bring more lasting happiness over material purchases. Experiences become a part of our story. [09:07] Raya shared the background of her first international trip with her then-boyfriend. It was quite intense for 23-year-olds who had never traveled together. [13:06] There is a big difference between mindless spending and intentional spending. If it’s planned for and fits in your budget, don’t feel guilty for spending. Resources Mentioned: Episode #143: Request a with Raya If this episode encouraged you to think differently about your spending, I hope you'll take a moment to ask yourself a simple question: What experiences matter most to me? Because once you're clear on the answer, you can start building a budget that reflects it. Your financial goals and your life experiences don't have to compete with each other. With planning, intention, and the right financial systems, they can work together. Money isn't just meant to be managed well; it's meant to support a life you're excited to live. You are not behind…you are building. Consistency compounds. The steady work you're doing now is shaping your next level. /episode/index/show/citygirlsavings/id/41964925

How to Travel More for Less Using Credit Card Points and Miles with Julia of Geobreeze Travel 08/03/2026

How to Travel More for Less Using Credit Card Points and Miles with Julia of Geobreeze Travel If travel is one of the things that brings you the most joy, but you also want to be responsible with your money, this episode is for you. One of the biggest misconceptions about affordable travel is that you either need a huge travel budget or you have to give up your financial goals to make it happen. The truth is, with the right strategy, you can do both. You can build wealth and prioritize experiences. In this episode, I'm joined by Julia Menez, founder of Geobreeze Travel and an expert in using credit card points and miles to make travel significantly more affordable. Together, we're talking about how travel rewards actually work, who they're a good fit for, and why they should always be built on top of a strong financial foundation, not used as an excuse to overspend. If you've ever wondered whether travel hacking is worth it, or you've wanted to travel more without putting your finances at risk, this conversation will help you understand how to use points and miles as a tool, not a temptation. In this episode, we discuss: What travel hacking is and how credit card points and miles actually work Common misconceptions about travel rewards Why travel doesn't have to be financially out of reach How to get started with travel rewards as a beginner How many credit cards you really need (and why more isn't always better) Why paying off your credit cards in full is essential before earning travel rewards The financial habits that should come before travel hacking How to balance travel goals with other financial priorities Additional ways to save money on travel beyond points and miles Why investing in experiences can be one of the most meaningful ways to use your money This episode is especially helpful if you: Love to travel but worry about the cost Want to learn how credit card points and miles work Are interested in travel hacking but don't know where to start Want to travel more without going into debt Are working toward financial goals while still making room for experiences Want to be more intentional with how you spend your money Why this matters: Travel doesn't have to compete with your financial goals. When you build a strong financial foundation first, tools like credit card rewards and travel points can help you stretch your dollars further and create experiences that might have otherwise felt out of reach. The key is remembering that travel rewards aren't the goal…they're simply one way to support the life you want to build. Financial freedom isn't about saying no to everything you enjoy. It's about making intentional decisions that allow you to enjoy more of what matters without creating financial stress later. When your money supports your priorities instead of working against them, experiences become something you can plan for confidently, not something you have to feel guilty about. Timestamps: [03:12] Julia breaks down what travel hacking means, and all of the different aliases for the process. [14:01] Have a plan for how you will meet the minimum spend for high-reward credit cards. Julia talks through typical points coming from the sign-up bonus. [25:20] Do some research on the best cards that will work for your situation, instead of taking the advice of influencers. [38:54] There are different ways to approach overspending on travel. Quick wins come from cutting expenses. Big wins come from increasing income. Resources Mentioned: Follow Julia on Learn more about If you've been putting off travel because it feels financially out of reach, I hope this conversation reminds you that there are often more options than you realize. Whether you decide to use points and miles or simply become more intentional with how you plan for travel, the goal isn't to take more trips at any cost. The goal is to build a financial life that creates room for the experiences that matter most to you. Because money isn't just meant to be managed well, it's meant to support a life you genuinely enjoy living. You are not behind…you are building. Consistency compounds. The steady work you're doing now is shaping your next level. /episode/index/show/citygirlsavings/id/41964905

5 Levels of Financial Freedom (and How to Reach the Next One) 07/27/2026

5 Levels of Financial Freedom (and How to Reach the Next One) When people talk about financial freedom, they often talk about it like it's one destination. Like one day you'll make enough money, save enough money, invest enough money...and suddenly you've arrived. But that's not how financial freedom works. Financial freedom isn't one moment, it's a progression. It's something you build over time through awareness, consistency, control, growth, and intentional decision-making. If you've ever felt like you're doing some things right with your money but still don't feel fully in control, there's a good chance you're in between levels. You're not where you started, but you're not where you want to be yet either. In this episode, I'm walking you through the five levels of financial freedom, how to identify where you are today, and what it takes to move to the next level. Because financial freedom isn't about perfection, it's about progress; and understanding where you are can help you focus on the next step instead of feeling overwhelmed by the entire journey. In this episode, we discuss: The 5 levels of financial freedom and what each one looks like The difference between financial awareness and financial control Why many people get stuck between knowing what to do and actually doing it How consistent money habits create financial confidence What financial control really looks like in everyday life The shift from managing money to growing money How investing, saving, and increasing income contribute to financial growth Why financial freedom looks different for everyone How to identify your current level and focus on the right next step The habits, systems, and mindset shifts needed to move forward This episode is especially helpful if you: Feel like you're making progress but aren't sure where you stand financially Want to build wealth but don't know what to focus on next Feel stuck between budgeting and long-term financial growth Want a clearer roadmap to financial freedom Are looking for a practical way to measure your financial progress Want your money to support more freedom, flexibility, and choice in your life Why this matters: One of the biggest mistakes people make with financial freedom is believing they're either "there" or they're not…but financial freedom isn't binary. It's built in stages. When you don't understand the stage you're in, it's easy to become frustrated, discouraged, or focused on the wrong things. Someone in financial instability needs something very different than someone focused on growing wealth. Someone building financial awareness has different priorities than someone working toward financial freedom. That's why understanding your current level matters. It helps you stop comparing yourself to people who are on a different part of the journey and start focusing on the habits, systems, and decisions that will move you forward. Because every level serves a purpose. The awareness creates consistency. The consistency creates control. The control creates growth. The growth creates options. Over time, those options become the foundation of financial freedom. Timestamps: [02:01] Does your money feel inconsistent or unpredictable? You’re likely in the first stage of financial freedom: instability. [05:35] When you know what you should be doing with your money but you’re not doing it – this is a common place where a lot of women get stuck. [09:57] Control does not mean perfection. Just because you have control of your money doesn’t mean things won’t come up. The biggest difference is those things don’t derail you. [15:40] You have enough money and enough control of your money to decide how you spend your time and where you spend your life…this is financial freedom. Resources Mentioned: Request a with Raya I want you to ask yourself one simple question: Where am I right now? Not where you want to be. Not where you think you should be. Not where someone else says you should be. Where are you today? Because once you're honest about your current level, you can focus on what actually matters next. You don't need to master every aspect of money all at once. You don't need to jump from financial instability to financial freedom overnight. Real progress happens when you focus on the next right step. The next habit. The next decision. The next level. If you're feeling stuck between levels, or you've built some momentum but aren't sure how to keep moving forward, support can make all the difference. Sometimes the breakthrough isn't working harder. It's having the right structure, the right systems, and the right guidance to help you see what comes next. Financial freedom isn't something you arrive at by accident. It's something you build intentionally, one decision at a time. You’re not behind, you’re building. That consistency compounds, and the steady work you're doing now is shaping your next level. /episode/index/show/citygirlsavings/id/41629005

2026 Mid-Year Personal and Business Goals Check In 07/20/2026

2026 Mid-Year Personal and Business Goals Check In It's hard to believe we're already halfway through 2026. One thing I've learned over the years is that time is going to keep moving whether we're paying attention or not. That's why I've made it a habit to set annual goals, revisit them regularly, and share my progress publicly. At the end of 2025, I shared my personal and business goals for 2026. Now that we've reached the halfway point of the year, it's time for a check-in. In this episode, I'm giving you a behind-the-scenes look at what's working, what's not, what goals are on track, and where I need to refocus for the second half of the year. We'll talk about everything from health goals and reducing stress to business growth, podcast downloads, content creation, and the realities of running a business in today's economy. My hope is that this episode encourages you to pause and do your own mid-year review. Because sometimes the most powerful thing you can do is stop, reflect, and make intentional adjustments before the year gets away from you. In this episode, we discuss: Progress toward my personal health and wellness goals What I've learned about slowing down, reducing stress, and prioritizing recovery My progress toward maxing out my Roth IRA in 2026 Why my honeymoon and wedding plans have shifted Efforts to reduce screen time and be more intentional with technology What the first half of 2026 has taught me about managing a full life The current state of City Girl Savings and our business goals Revenue, profitability, and navigating economic uncertainty Podcast growth, content creation, and audience building Why consistency matters even when results take longer than expected The mindset I'm carrying into the second half of the year This episode is especially helpful if you: Set goals at the beginning of the year and haven't revisited them Feel behind on your personal or financial goals Want motivation to reset and refocus for the second half of the year Are working toward health, money, or business goals Need a reminder that progress isn't always linear Want a realistic look at what goal pursuit actually looks like Why this matters: Too many people treat goals like a January activity. They set ambitious intentions, get excited for a few weeks, and then never revisit them until December. But real progress happens when you're willing to check in honestly along the way. A mid-year review isn't about judging yourself for what hasn't happened yet. It's about recognizing what's working, acknowledging what needs adjustment, and deciding how you want to move forward. Some goals will be ahead of schedule. Some will be behind. Some may need to change entirely. That's not failure. That's life. The goal isn't perfection. The goal is staying engaged with the life you're trying to build. Often, the willingness to reassess and adjust is what ultimately creates the results you're looking for. Timestamps: [02:21] Raya breaks down her progress on her first personal goal of 2026 – improving her health for long-term functioning. This goal was harder to measure, but indicators of growth exist. [06:03] Raya’s honeymoon and courthouse wedding timeframe has been pushed out. This goal likely will not be achieved in 2026. [10:57] After 5 months of no breaks in daily workouts, Raya learned she needs to prioritize recovery (which means more frequent traveling)! [14:36] A business goal is to increase newsletter growth by 20%. Currently, this goal is trending about 4%. Raya shares things that can help improve this before the year ends. Resources Mentioned: Episode #209: Request a with Raya If you've been feeling behind on your goals, consider this your reminder that there's still plenty of year left. You don't need to wait until January to reset. You don't need a perfect first half of the year to have a strong second half. The truth is, most meaningful progress doesn't happen in a straight line. Some goals move faster than expected. Others take longer. Some priorities shift completely because life shifts. One of the biggest lessons I've learned over the years is that goals aren't just about achieving an outcome. They're about who you become in the process. They're about building consistency, learning from setbacks, making adjustments, and continuing to move forward even when things don't go exactly according to plan. So if you've fallen behind in an area of your life, give yourself permission to be honest about where you are without judging yourself for it. Then decide what the next best step looks like from here. Maybe that means recommitting to a goal. Maybe it means adjusting the goal. Maybe it means celebrating progress you've overlooked because you're too focused on what hasn't happened yet. Whatever your situation, don't let the first half of the year determine the second half. Take time to reflect. Acknowledge how far you've come. Make the adjustments you need to make. Then keep building. Remember: You are not behind…you are building. Consistency compounds. The steady work you're doing now is shaping your next level. /episode/index/show/citygirlsavings/id/41628975

How Gaining Control of My Money Gave Me My Life Back 07/13/2026

How Gaining Control of My Money Gave Me My Life Back I often think back to a time in my life when I was digging through couch cushions looking for enough money to order takeout. Not because I didn't have access to money…but because I had already spent it. Every dollar. Every credit card limit. Every option…and if you had looked at my life from the outside, you probably wouldn't have thought anything was wrong. I was living in Los Angeles. I was in college. I had the clothes, the social life, and the experiences I wanted, but behind the scenes, my finances were completely out of control. In this episode, I'm sharing the story of how taking control of my money didn't just change my finances, it changed my life. We'll talk about the wake-up call that forced me to stop avoiding my reality, the mindset shifts that helped me regain control, and the unexpected ways financial stability created more peace, confidence, and freedom. Because if your money feels like it's running your life right now, I want you to know that it doesn't have to stay that way. In this episode, we discuss: The spending habits that led me into financial chaos in my early twenties How credit cards allowed me to maintain a lifestyle I couldn't actually afford The wake-up call that forced me to take responsibility for my finances Why gaining control of your money starts with awareness, not restriction How budgeting helped me stop reacting and start making intentional decisions The connection between money management and mental peace Why financial control creates options, flexibility, and confidence The shift from living for today to building for the future Why making more money alone doesn't solve financial problems The first steps you can take to regain control of your finances This episode is especially helpful if you: Feel like you're making money but never getting ahead Struggle with overspending or impulse spending Feel stressed, anxious, or overwhelmed about your finances Want more control over your money and financial decisions Are working toward financial freedom but aren't sure where to start Feel like your money is running your life instead of supporting it Why this matters: A lot of people believe financial freedom starts when they make more money, but often, financial freedom starts when they gain control of the money they already have. Because without control, more income simply creates more opportunities to repeat the same patterns. Control isn't about restriction. It's about awareness. It's about understanding what's coming in, what's going out, and making decisions that align with the life you want to build. When you gain control of your money, something bigger starts to happen. You stop living in constant reaction mode. You stop avoiding your accounts. You stop feeling like every unexpected expense is a crisis. Over time, you create something that many women are truly looking for: peace. Not because everything is perfect, but because you know where you stand and where you're going. That's where financial freedom begins. Timestamps: [02:13] Raya shares how she fully leaned into the “LA lifestyle”, even though she didn’t have the funds to support it. [05:18] Not paying rent on time led to an almost-eviction. This is the catalyst that forced Raya to change her money habits. [10:07] The biggest shifts that came from proper money management were more personal than financial. For example, Raya gained a level of peace she didn’t even know was missing. [13:45] You can make good money and still feel stuck if you don’t have control. It’s not about how much you make, it’s what you do with what you make. Resources Mentioned: Episode #1: Request a with Raya If you've ever felt like your finances are creating more stress than peace, this episode is your reminder that change doesn't happen all at once. It starts with awareness. It starts with one honest look at your numbers. It starts with one intentional decision to stop avoiding and start paying attention. You don't have to wait for a financial breaking point to take control of your money. You can start building that control (and the freedom that comes with it) today. You are not behind—you are building. Consistency compounds. The steady work you're doing now is shaping your next level. /episode/index/show/citygirlsavings/id/41628960

What Financial Freedom Really Looks Like with Marc Russell 07/06/2026

What Financial Freedom Really Looks Like with Marc Russell Financial freedom is one of those phrases we hear all the time. It's talked about in books, podcasts, social media posts, and financial conversations. But what does it actually mean? Because for many women, especially women who earn good money, financial freedom can feel like a moving target. You hit one goal, only to create another. You make more money, but still don't feel fully in control of it. You save, invest, and work hard...yet you're not quite sure when you'll finally feel "free." The truth is, financial freedom isn't just about reaching a certain number in your bank account or investment portfolio. It's about having options. It's about creating a financial life that supports your goals, your values, and the way you want to spend your time. In this episode, I'm joined by Marc Russell, founder of BetterWallet and a financial educator who has helped hundreds of thousands of people pay off debt, start investing, and build long-term wealth. We're talking about what financial freedom really looks like, some of the biggest misconceptions people have about it, and the habits, behaviors, and mindset shifts that help create it. Whether you're just getting started or already making progress, this conversation will help you think differently about what freedom means for you. In this episode, we discuss: What financial freedom really means and how the definition can evolve over time Common misconceptions people have about financial freedom Why some high earners still feel stuck financially The behaviors and spending habits that can keep people from building wealth How income and behavior work together to create financial freedom The connection between investing and long-term financial independence How to stay consistent with investing without feeling overwhelmed Why consistency matters more than intensity when building wealth The identity shifts that often happen as people build financial confidence The first steps someone can take to start building financial freedom today This episode is especially helpful if you: Make good money but don't feel fully in control of it Want to build wealth without feeling restricted Feel unsure whether you're making enough progress financially Want to better understand how investing supports financial freedom Are working toward long-term financial goals and want a clearer roadmap Why this matters: Many people think financial freedom is something they reach someday in the future, but financial freedom is often built long before you arrive there. It's built through consistent decisions, intentional spending, healthy financial habits, and systems that support your goals. It's built when you stop chasing someone else's definition of success and start creating a financial life that reflects what matters most to you. The more intentional you become with your money, the more options you create for yourself. And those options can look different for everyone. For one person, it might mean retiring early. For another, it might mean changing careers, traveling more, working fewer hours, or simply feeling confident that an unexpected expense won't derail their progress. Timestamps: [03:30] Marc shares his progression of financial freedom and how it has changed as he’s gotten older. It’s about leveraging time wisely, now. [10:55] Can I utilize the skills God has given me to make sure I’m changing the lives of others? This question helped guide Marc towards his version of financial freedom. [24:25] If you have family asking for money, you need to assess how this is impacting your situation. This can hold back your own financial freedom. [34:40] The big secret to wealth building is taking the human factor (yourself) out of it. Automate as much as possible. Resources Mentioned: Follow Marc on Learn more about Listen to If you've been working toward financial freedom but still feel unsure about what it actually looks like, this episode is a reminder that freedom isn't just about reaching a number. It's about building a financial life that gives you options. A life where your money supports your goals, your values, and the experiences that matter most to you. The path to financial freedom doesn't require perfection. It requires intention, consistency, and a willingness to keep showing up for your future self. You’re not behind…you’re building. Consistency compounds. The steady work you're doing now is shaping your next level. /episode/index/show/citygirlsavings/id/41628925

How to Keep the Momentum Going for the Second Half of the Year 06/29/2026

How to Keep the Momentum Going for the Second Half of the Year Isn’t it wild how quickly the year can move? One minute you’re setting goals, feeling motivated, thinking about everything you want to accomplish…and the next, you’re halfway through the year wondering how you got here so fast. Depending on how the first half of the year went for you, you might be feeling really good right now…like you’ve built momentum, made progress, and started to see results. Or…you might be feeling a little off. Maybe you started strong and fell off. Maybe things didn’t go the way you planned. Maybe you’ve been meaning to “get back on track” for a while now. Here’s what I want you to know: where you are right now is not a problem. It’s just information. In this episode, we’re walking through how to keep (or rebuild) your momentum for the second half of the year in a way that feels structured, realistic, and sustainable. Because finishing the year strong isn’t about having a perfect start…it’s about how you choose to move forward from here. In this episode, we discuss: Why the first half of the year doesn’t determine your overall success How to get honest about your current progress without judgment Why reconnecting to your goals is key to building momentum How to adjust or refine your goals based on your current season A simple mid-year reset ritual to help you reflect and refocus Why simplifying your plan makes it easier to stay consistent How weekly routines help you stay connected to your goals Why planning for setbacks helps you stay on track long-term This episode is especially helpful if you: Feel like you’ve fallen off track with your goals this year Started strong but struggled to stay consistent Want to reset your finances, routines, or habits mid-year Feel overwhelmed trying to “fix everything” at once Want to build momentum for the rest of the year Are ready to feel more focused, intentional, and in control Why this matters: The women who finish the year strong aren’t the ones who had a perfect first half. They’re the ones who re-engage, reassess, reset, and recommit. Momentum doesn’t come from doing everything perfectly…it comes from staying connected to your goals and continuing to move forward, even when things aren’t going exactly as planned. When you get clear on where you are, simplify your plan, and build routines that support your goals, you make it easier to stay consistent. And consistency is what creates real results. Timestamps: [02:00] The women who finish the year strong are usually not the ones who had a perfect first half of the year. They’ve just recommitted. [04:02] Reconnecting and refining your goals is a key part of building momentum for the second half of the year. [04:30] Your goals are allowed to evolve. It’s okay if your goals need to change for the second half of the year. [09:49] Simplify your plan so you follow through. When it comes to goals, one of the biggest reasons for losing momentum is a complicated plan. Resources Mentioned: Request a with Raya The second half of the year isn’t about catching up, it’s about moving forward with intention. You don’t need to fix everything overnight. You don’t need to be perfect. You just need to get clear, reconnect to what matters, simplify your plan, and stay consistent. Momentum builds from small, intentional decisions made over time. If you’re ready to build more structure, clarity, and consistency with your money and your goals, that’s exactly what we focus on inside coaching. You can request a free money call using the link in the Resources section. Where you are right now is just your starting point. What matters most is what you do next. /episode/index/show/citygirlsavings/id/41286600

5 Routines to Help You Stay Focused on Paying Off Debt 06/22/2026

5 Routines to Help You Stay Focused on Paying Off Debt There was a time in my life where I didn’t just go into debt once…I went into debt multiple times. And not small amounts. I’m talking tens of thousands of dollars…more than once. If I’m being honest, that used to be one of the most frustrating parts of my journey. Because it wasn’t like I didn’t know better. I had already learned the lessons. I had already gotten out of debt once. And yet somehow…I found myself right back in it again. In this episode, I’m not just talking about how to pay off debt…I’m talking about how to stay focused long enough to actually finish the journey. Getting out of debt isn’t about knowing what to do…it’s about becoming someone who can stay consistent long enough to do it. And that’s where routines come in. In this episode, we discuss: Why paying off debt requires more than just knowledge or motivation The real reason people fall back into debt after getting out How inconsistency slows down your debt payoff progress Why daily awareness of your spending is a game changer How your budget gives context to your spending decisions The importance of weekly debt check-ins and staying engaged Why pre-deciding your spending helps you avoid emotional decisions How to create a strong “why” that keeps you motivated long-term Why tracking progress beyond balances helps you stay consistent This episode is especially helpful if you: Feel like you’ve been in and out of debt more than once Struggle to stay consistent with your debt payoff plan Know what to do financially, but have trouble following through Feel overwhelmed or discouraged by your current debt balances Want to build better money habits while paying off debt Are ready to stay focused and actually finish your debt payoff journey Why this matters: Getting into debt can happen quickly. Getting out of it takes time. If your habits, routines, and patterns don’t support that long-term process, it becomes easy to fall into a cycle of starting and stopping. That cycle is what keeps people stuck. But when you build routines that keep you connected to your money (daily, weekly, and consistently), you stay engaged in the process. You make better decisions. You build momentum. And over time, that momentum turns into real progress. Because paying off debt isn’t just about the numbers…it’s about the behavior behind those numbers. Timestamps: [00:09] Raya opens with her experiences with getting into and out of debt multiple times. [03:40] A pattern Raya had while in debt was disconnection. She wasn’t aware of what she was spending. It was all about the moment. [08:00] Realizing that her spending wasn’t random, Raya was able to see how her spending was tied to her identity (in a negative way). [13:45] Tracking your progress beyond balances is a great way to keep you focused on the journey. Resources Mentioned: Episode #15: Get a created by Raya Request a with Raya Getting out of debt isn’t about being perfect, it’s about being consistent. It’s about building routines that support you even on the days you don’t feel motivated. Because motivation will come and go. But your routines are what keep you moving forward. If you’re on a debt payoff journey right now, you’re not behind…you’re in the process. Stay consistent. Stay connected. Stay committed to your plan. Give it time, because it will pay off. If you’re ready for more structure, more clarity, and more support with your money, that’s exactly what we build inside coaching. You can request a free money call using the link in the Resources section. /episode/index/show/citygirlsavings/id/41286550

The Truth About Vacation Spending (and How to Do It Guilt-Free) 06/15/2026

The Truth About Vacation Spending (and How to Do It Guilt-Free) If you know me, then you know there was a time in my life where vacation spending felt so exciting in the moment…and so stressful the second I got home. I remember going on a girls trip to Vegas in my early 20s. Deep down, I knew I couldn’t really afford the trip the way I was approaching it, but I went anyway. No real plan, no clear budget…just spending based on what felt good in the moment. And when I got back? Reality hit. I was scrambling to cover my normal expenses, including rent. That post-vacation stress didn’t match the experience I thought I was creating. I thought I was enjoying my life, but what I was really doing was borrowing peace from my future self to enjoy the present. In this episode, we’re breaking down the truth about vacation spending—what actually causes people to overspend, why guilt shows up so often around travel, and how to approach your trips in a way that lets you enjoy them fully without throwing your finances off track. Because guilt-free spending isn’t about spending less…it’s about spending with a plan. In this episode, we discuss: Why vacation spending often leads to stress, guilt, or financial setbacks The two extremes people fall into: overspending vs over-restricting Why emotional spending is more likely during travel How to plan your vacation spending before the trip (not during it) Why deciding your experience matters more than just setting a budget How to structure your days to balance spending and enjoyment The importance of staying aware of your spending while traveling How to enjoy your trip without feeling restricted or financially anxious This episode is especially helpful if you: Feel stressed or guilty after spending money on vacations Tend to overspend while traveling and regret it later Overthink every purchase on trips and struggle to enjoy yourself Want to travel more but feel unsure how to afford it responsibly Feel like you have to “recover” financially after vacations Want to enjoy experiences without sacrificing financial stability Why this matters: Vacation spending isn’t the problem. It’s how you approach it. Most people fall into one of two patterns: they either overspend and deal with the consequences later…or they restrict so much that they can’t even enjoy the experience. But there’s a middle ground. When you plan ahead, decide what actually matters, and stay connected to your spending while you travel, everything changes. You stop making emotional, in-the-moment decisions and start making intentional ones. And that’s what allows you to enjoy your trip fully…without coming home stressed, behind, or trying to fix your finances. Timestamps: [02:45] Raya’s past experiences with vacation spending tend to be a common scenario for a lot of women. [05:13] Don’t wait until you’re on the trip to start figuring out your finances. Planning ahead allows you to be proactive, instead of reactive with money. [09:00] When planning a trip, always start with the type of experience you want to have. This will help you plan spending. [12:20] There’s a middle ground between being aware of what’s happening with your money and spending while on vacation. Resources Mentioned: Episode #30: Vacation Planning on a Budget Request a with Raya Vacation spending doesn’t have to come with guilt, but it does require intention. When you plan ahead, decide what matters, and stay connected along the way, your trips stop being something you have to recover from…and start being something that fits into your life. You get to enjoy the experience and feel good when you come home…not stressed, not behind, but still in control of your money. And if you’re ready to build that kind of structure and confidence with your finances (not just for vacations, but for everyday life), support and accountability can make all the difference. You can request a free money call using the link in the Resources section. You don’t have to choose between experiences and financial peace. You just have to learn how to plan for both. /episode/index/show/citygirlsavings/id/41286480

4 Summer Spending Traps That Can Ruin Your Savings Goals 06/08/2026

4 Summer Spending Traps That Can Ruin Your Savings Goals There was a time in my life where summer felt like a financial reset. Everything felt lighter. More relaxed. More social. I wasn’t thinking about routines the same way, and I definitely wasn’t as focused on my budget. I was just… living. In the moment, it felt good. Like I was enjoying my life and taking a break from structure. But what I didn’t realize back then was that the kind of “reset” I was creating wasn’t actually helping me. Because if you’re not careful, a financial reset can quietly turn into falling behind. In this episode, I’m walking you through four common summer spending traps that can derail your savings goals…and more importantly, how to stay aligned with your money without feeling restricted. You don’t have to choose between enjoying your summer and being financially responsible…you just need to stay connected while you do it. In this episode, we discuss: The real reason summer can throw off your savings and financial progress Why feeling like you “deserve it” can turn into emotional spending How social plans can quickly lead to unplanned overspending The danger of telling yourself you’ll “get back on track later” Why inconsistency with money habits makes everything feel harder How small, everyday summer spending adds up faster than you think The importance of staying connected to your budget during busy seasons Simple ways to stay intentional with your money without missing out This episode is especially helpful if you: Feel like summer always throws your finances off track Tend to overspend on social plans, dining, or last-minute activities Struggle to stay consistent with budgeting during busy seasons Tell yourself you’ll “fix it later” when it comes to money Feel like your savings goals slow down or stop in the summer Want to enjoy your life while still making financial progress Why this matters: Summer doesn’t ruin your finances, but disconnection from your money absolutely can. And that disconnection doesn’t usually happen in big, obvious ways. It happens in small decisions. Small patterns. Small moments where you stop checking in and start going with the flow. When you’re not intentional, your spending becomes reactive; and when your spending is reactive, it becomes harder to stay aligned with your goals. But when you stay connected to your money (even in busy, social, high-spend seasons), you stay in control. You make better decisions in real time. You adjust as needed, and you avoid that overwhelming feeling of having to “start over.” Timestamps: [03:13] One of the biggest shifts Raya helps her clients work through is the mindset of justifying purchases. [06:06] Letting social plans dictate your spending can be one of the fastest ways to lose control of your spending. [10:53] Most women know what to do when it comes to money, but they struggle because they don’t stay consistent with their efforts. [13:35] Not sure why your money feels tight in the summer? It’s likely a lack of awareness of where your money is going. Resources Mentioned: Episode #184: Request a with Raya If there’s one thing to take from this episode, it’s this: summer doesn’t have to set you back…but it will if you move through it without intention. The women who feel calm and confident with their money during busy seasons aren’t the ones who never spend. They’re the ones who decide how they want to spend before the moment happens. They stay aware. They stay connected. They stay grounded in their goals…while still enjoying their lives. If you’re ready to build that kind of consistency with your money, having the right structure and support can make all the difference. You can request a free money call using the link in the resources section. You’re not off track, you just need to stay connected. /episode/index/show/citygirlsavings/id/41286360

Hot Girl Summer on a Budget: Having Fun without Overspending with Aleah from Creative With Money 06/01/2026

Hot Girl Summer on a Budget: Having Fun without Overspending with Aleah from Creative With Money Summer has a way of making you want to say yes to everything. The trips. The brunches. The outfits. The events. The experiences. Listen…there’s nothing wrong with enjoying your life. In fact, you should enjoy your life. But what you don’t want is to come out of the summer with credit card debt, financial stress, or feeling like you have to start over when fall hits. Because the truth is, you don’t have to choose between having fun and being financially responsible. You can do both. In this episode, we’re breaking down how to have your version of a “Hot Girl Summer” without overspending, without guilt, and without falling off track with your financial goals. I’m joined by Aleah Vassell from Creative With Money, who shares a powerful perspective on building wealth, managing money, and staying intentional…even with inconsistent or creative income. In this episode, we discuss: How to enjoy summer without overspending or going into debt Why high-spend seasons like summer can derail your financial progress How to balance fun, experiences, and financial responsibility What intentional spending actually looks like in real life How to manage your money during seasons of inconsistent income Why assuming “future income” will cover current spending can backfire How to create a summer spending plan or “fun fund” that works Creative ways to enjoy your summer without blowing your budget How to deal with FOMO without sabotaging your financial goals This episode is especially helpful if you: Feel pressure to spend more money during the summer months Want to enjoy your life but stay aligned with your financial goals Tend to overspend on travel, dining, or social events Feel like summer always throws you off track financially Have inconsistent income or are self-employed/creative Want to feel more intentional, confident, and in control of your spending Why this matters: Summer can either be a season where you fully enjoy your life and stay aligned with your finances…or a season that quietly undoes months of progress. A lot of overspending doesn’t come from a lack of discipline. It comes from a lack of planning, intention, and awareness…especially during high-energy, high-spend seasons like this. When you approach your money with intention, everything changes. You stop reacting and start deciding. You give yourself permission to enjoy your life, but within boundaries that actually support your long-term goals. Over time, that balance is what allows you to build wealth without feeling restricted or deprived. Timestamps: [02:40] Aleah shares how she went from starving artist to high-income creative, and how Creative with Money came to be. [09:36] Prioritize your joy. You don’t have to spend money to bring happiness into your life. [20:20] Aleah gives guidance to listeners who are thinking about investing or struggling with choosing investing over saving. [32:40] Raya and Aleah share some low-cost ways people can have fun over the summer. Resources Mentioned: Follow Aleah on Creative with Money If you’ve ever felt like summer throws your finances off track, this episode is your reminder that you can enjoy your life and stay financially aligned at the same time. With a little planning, intentionality, and structure, you don’t have to choose between fun and financial progress…you can have both. If you’re ready to build a system that helps you stay consistent with your money no matter the season, support and accountability can make all the difference. You can learn more about coaching using the link in the show notes. You are allowed to enjoy your life. Just make sure your money is set up to support it, not stress you out later. /episode/index/show/citygirlsavings/id/41286295

6 Reasons Why Consistency Is the Secret to Financial Success 05/25/2026

6 Reasons Why Consistency Is the Secret to Financial Success I’m going to say something that might sting a little. Inconsistency is the real financial killer. Not low income. Not inflation. Not student loans. Not a lack of knowledge. Inconsistency. Because most women don’t struggle with money because they don’t know what to do. They struggle because they do it for a few weeks… and then stop. They budget when they feel motivated… and then stop. They save for a month… and then stop. They start strong… and then lose momentum. And every time you stop, you reset your progress. In this episode, I’m breaking down why consistency (not motivation, not perfection, not even income)is the real secret to financial success. We’re also talking about how consistency builds momentum, strengthens self-trust, reduces anxiety, and creates long-term results that feel stable and sustainable. If you’ve ever felt like you’re constantly starting over with your money, this episode is going to hit home. In this episode, we discuss: Why inconsistency is the real reason many women feel stuck financially How inconsistency breaks momentum and keeps you in a cycle of starting over Why consistency builds self-trust and financial confidence How consistency compounds—both financially and behaviorally Why inconsistent money habits increase financial anxiety The difference between being interested in financial success vs committed to it How consistency makes financial success predictable (not random) Why systems and structure are required to stay consistent This episode is especially helpful if you: Feel like you’re constantly starting over with your money Struggle to stay consistent with budgeting, saving, or tracking Know what to do financially, but don’t follow through long-term Feel behind despite making good income Want to feel more confident, calm, and in control of your finances Why this matters: Financial success isn’t built in one big moment. It’s built through repeated, steady actions over time. When you’re inconsistent, everything feels harder. You lose momentum. You lose clarity. You lose confidence. And eventually, you start avoiding your money altogether. But when you’re consistent, everything shifts. You trust yourself more. You stay aware of your numbers. You make better decisions faster. And you start to see progress that actually sticks. Consistency removes the chaos and replaces it with stability…and over time, that stability turns into financial confidence…and real results. Timestamps: [03:39] When you lose consistency with your financial habits, you lose confidence. Avoidance is when financial chaos ensues. [07:12] Consistency changed how Raya approached risk. Decisions used to be made out of hope and adrenaline, where now, decisions are calculated. [13:10] Inconsistency results in stalls growth…with budgeting, investing, saving, and any other helpful habit for your finances. [20:05] Consistency forces you to prove to yourself that you mean what you say. If you say you want financial peace, are you consistently doing things that create it? Resources Mentioned: Episode #141: Episode #178: If you’ve been feeling stuck or frustrated with your progress, this episode is your reminder that you don’t need a better plan…you need more consistency with the plan you already have. If you’re ready to build real consistency with your money, support, structure, and accountability can make all the difference. You can learn more about coaching using the link in the show notes. You are not behind. You’re just one consistent season away from everything starting to click. /episode/index/show/citygirlsavings/id/40731115

How to Create a Weekly Money Routine That Keeps You on Track 05/18/2026

How to Create a Weekly Money Routine That Keeps You on Track Let me guess. You’ve tried to “be better” with money before. You’ve told yourself you’ll check your accounts more often. You’ve promised you’ll stick to your budget. You’ve said this month will be different. And maybe it is… for a week. Then life gets busy. Work gets intense. You get tired. Something unexpected comes up. And suddenly, you’re back to reacting instead of leading your money. Here’s what I want to gently say: it’s not that you lack discipline…it’s that you lack a routine. Because discipline requires energy, but a routine relies on structure. And structure wins every time. In this episode, I’m walking you through how to create a weekly money routine that actually sticks…not one you do when you feel motivated, but one that becomes part of your rhythm. Because if you want to feel confident and in control of your finances, consistency is the bridge. And consistency is built weekly. In this episode, we discuss: Why discipline alone isn’t enough to stay consistent with money How a weekly money routine creates clarity and control Why weekly check-ins prevent overwhelm and avoidance How to choose a consistent time for your routine What to include in a weekly money check-in (step-by-step) How reviewing transactions helps you stay aware of your spending Why checking account balances builds financial confidence How to plan ahead for upcoming expenses How to make small adjustments without overcorrecting The role of daily habits in supporting weekly consistency How to stay consistent even when you miss a week This episode is especially helpful if you: Struggle to stay consistent with your money habits Feel reactive instead of in control of your finances Avoid checking your accounts or tracking spending Want a simple, repeatable money routine that works Why this matters: Financial consistency isn’t about doing everything perfectly…it’s about having a rhythm you can return to. When you only check in on your money occasionally, everything feels bigger than it is. Numbers feel overwhelming. Decisions feel heavier. Avoidance becomes easier. But when you check in weekly, nothing builds up. You stay aware. You adjust early. You stay in control. A weekly money routine turns your finances from something reactive into something intentional…and that’s where confidence starts to build. Timestamps: [02:11] The first step to building a weekly money routine is deciding when you’ll implement that routine (and protect that time). A set day and time each week will go a long way. [05:10] Raya walks through the 5 core components of a weekly money check in, including reviewing transactions, updating budget categories, and more. [10:30] Your entire weekly routine should take 30-40 minutes. Being consistent with it keeps the timing efficient. [14:25] Decide in advance what happens when you slip up with your weekly routine. Don’t wait until you’re in the moment to determine your response. Emotions are louder than logic. Resources Mentioned: Episode #164: If you’ve been trying to stay consistent with your money but keep falling off, this episode is your reminder that you don’t need to try harder…you need a routine that supports you. If you’re ready to build a money routine that fits your life and helps you stay on track, you can book a free clarity call at citygirlsavings.com. You are capable of managing your money in a way that feels consistent, calm, and aligned with the life you want to live. Strong routines create lasting confidence. Keep building with intention. /episode/index/show/citygirlsavings/id/40731105

5 Money Systems That Keep My Life (and Business) Organized 05/11/2026

5 Money Systems That Keep My Life (and Business) Organized There was a time in my life where I relied on motivation more than structure. If I felt disciplined, I made good money decisions. If I felt overwhelmed, I avoided things until I felt better. If I was inspired, I planned. If I was tired, I let things slide. What changed my financial life wasn’t working harder. It wasn’t becoming more naturally organized. It wasn’t even making more money. It was building systems and routines. Not complicated systems. Not time-consuming spreadsheets. Just simple, repeatable structures that removed guesswork from my day-to-day life. If you’ve ever felt like you’re juggling a lot, setting big goals, and still wondering why everything feels heavier than it should… this episode will help you see why. Because more often than not, it’s not a discipline problem…it’s a systems problem. In this episode, I’m taking you behind the scenes and sharing the five money systems I use to keep both my life and business organized…the ones I actually rely on consistently. In this episode, we discuss: The daily and weekly money rhythm that keeps finances organized Why tracking your spending daily reduces overwhelm How weekly check-ins create clarity and prevent surprises How I use Profit First to manage money in my business Why paying yourself first builds long-term financial discipline The power of quarterly planning using the 12-Week Year method How to align financial goals with real-life execution Why calendar systems and task management reduce mental overload How organizing responsibilities improves financial decision-making Why tracking your net worth monthly shifts your long-term mindset This episode is especially helpful if you: Feel inconsistent with your money habits Struggle to stay organized financially Rely on motivation instead of structure Want simple systems that make money management easier Why this matters: Consistency isn’t built through discipline alone…it’s built through structure. When your money depends on how you feel in the moment, it will always feel unstable. But when you have systems in place, your finances become predictable, organized, and easier to manage. Systems remove the need to constantly “try harder.” They allow you to follow a process that supports your goals automatically. That’s where financial confidence, clarity, and long-term growth begin. Timestamps: [02:35] Raya tracks her spending daily and it takes her about 5-10 minutes to get it done, because she’s building off the previous day. [06:10] Raya started using the Profit First method in her own business back in 2018. It fundamentally changed her business finances. [11:50] Taking the approach of a “12 Week Year” allows Raya to zoom in and focus on important goals and what needs to be done to achieve them. [15:00] Let your systems take the burden off of you to remember what needs to get done in your life, finances, or business. Resources Mentioned: by Mike Michalowicz Episode #48: by Brian Moran If you’ve been feeling like you’re constantly restarting your financial goals, this episode is your reminder that you don’t need more motivation…you need better systems. If you’re ready to build structure into your finances and create a plan that actually works for your life, you can book a free clarity call at citygirlsavings.com. You are capable of building a financial life that feels organized, stable, and aligned with the life you want to live. Strong systems create lasting results. Keep building with intention. /episode/index/show/citygirlsavings/id/40727775

How to Build Systems That Simplify Your Life and Help You Thrive with Megan Sumrell 05/04/2026

How to Build Systems That Simplify Your Life and Help You Thrive with Megan Sumrell If you’ve ever felt like you’re doing a lot… but still feel behind, this episode is going to feel very familiar. Many working women are productive. They set goals. They work hard. They manage a lot. And yet, it can feel like there are a hundred tabs open at once. There’s always something to catch up on, organize, or improve. No matter how much gets done, it rarely feels like enough. That’s not a productivity problem…it’s a systems problem. Today, I’m joined by time management and productivity expert Megan Sumrell, founder of The Pink Bee. She specializes in helping women build practical, repeatable systems that remove decision fatigue and create consistency…without relying on motivation or willpower. This conversation is about simplifying your life in a way that actually supports your goals. Because thriving isn’t about doing more…it’s about building smarter. In this episode, we discuss: Why “managing your time better” isn’t the real solution The difference between being busy and being systemized What a system actually is and how to make it feel simple The foundational systems every woman needs before adding more goals How systems create more energy, not just efficiency How to prevent burnout while still pursuing big goals The connection between time management, income, and wealth building The biggest mistake women make when setting goals How to build systems that support your goals long-term This episode is especially helpful if you: Feel productive but still behind Struggle with consistency across your life and finances Feel overwhelmed managing everything on your plate Want more structure without feeling restricted Why this matters: You don’t need more discipline…you need better systems. When everything relies on memory, motivation, or willpower, life starts to feel heavier than it needs to be. Systems remove that pressure. They create clarity, consistency, and space. And when your time is managed with intention, it directly impacts how you show up in your finances, your work, and your life. That’s where real progress starts to feel sustainable. Timestamps: [04:45] When Megan started making time for herself, people started recognizing. [12:05] Spend time prior to week starts mapping out the week, including planning for uncertainty. [32:45] Women take on failing to plan as a personal fault, but they were never taught. [42:15] When you have the mental bandwidth of no longer being consumed by your to-do list, that mental energy shifts over to other things. Resources Mentioned: Follow Megan on If you’ve been trying to stay consistent by relying on motivation, this episode is your reminder that you don’t need more discipline…you need better systems. If you’re ready to bring more structure and clarity into your finances, you can book a free clarity call at citygirlsavings.com to explore working together. You are capable of building a life that feels organized, aligned, and supportive of the life you want to live. Strong systems create lasting results. Keep building with intention. /episode/index/show/citygirlsavings/id/40727730

6 Reasons Financial Confidence Changes Everything 04/27/2026

6 Reasons Financial Confidence Changes Everything Financial confidence isn’t loud. It isn’t flashy, and it isn’t about knowing every money rule or having a perfect system. It’s the calm, grounded feeling that comes from understanding your numbers and trusting yourself to make decisions with them. And here’s what I’ve noticed after more than a decade of coaching working women with their finances: it’s rarely intelligence or income holding women back. It’s confidence. I’ve worked with women who make good money, who are responsible, who are successful in their careers…and yet they still hesitate before checking their bank account. They second-guess their spending decisions. They delay investing. They overthink debt payoff strategies. Not because they’re incapable… but because they don’t fully trust themselves with money. When financial confidence is missing, everything feels heavier than it needs to be. Decisions feel high stakes. Small mistakes feel catastrophic. Avoidance creeps in quietly. And that constant mental friction spills into other areas of life…your career, your relationships, even how you see yourself. But when confidence grows? Fear loosens its grip. Clarity replaces panic. Momentum replaces avoidance. In this episode, I’m walking you through six reasons financial confidence has the power to change your life, not through hype or hustle, but through steady, consistent action. And more importantly, how you can begin building it in a way that feels sustainable. In this episode, you’ll learn: • Why financial confidence replaces fear with clarity • How confidence is built through action — not perfect knowledge • The identity shift that happens when you trust yourself with money • Why momentum matters more than motivation • How confidence allows you to think long-term instead of reacting • What it means to be back in the driver’s seat of your financial life This episode is especially for you if: • Make decent money but still second-guess your decisions • Avoid checking your accounts when things feel uncertain • Feel stuck in reactive spending cycles • Want to build long-term wealth without constant stress Why this matters: When you don’t feel confident with money, fear drives your choices. When you build financial confidence, clarity replaces fear. Decisions become intentional instead of emotional. You begin operating from logic instead of avoidance. Financial confidence isn’t about perfection. It’s about consistency…and that consistency compounds! In your bank account and in your self-trust. Timestamps: [02:15] What financial confidence actually is (and what it’s not) [04:10] Confidence is built through action, not knowing everything [06:52] You start recognizing your limiting beliefs as false narratives [09:45] Financial confidence creates momentum [12:05] Delayed gratification becomes easier with financial confidence Resources Mentioned: Episode 141: Request a Free Subscribe to the City Girl Savings The CGS If you’ve been consuming financial content but still feel unsure when it’s time to make real decisions, that’s not failure…it’s feedback. Confidence grows through action, and sometimes guided action makes the difference. If you’re ready to build real financial confidence with structure and accountability, book a free call at citygirlsavings.com. You are capable of building a financial life that feels stable, aligned, and supportive of the life you want to live. Strong foundations create lasting confidence. Keep building with intention. /episode/index/show/citygirlsavings/id/40302465

Why I Took My First Real Break in 10 Years 04/20/2026

Why I Took My First Real Break in 10 Years What if success isn’t about doing more… but about knowing when to pause? At the end of 2025, I took my first real break in the ten-year history of City Girl Savings. Not because I was failing. Not because I was burned out. But because I realized something important: building a successful life means nothing if you don’t have the capacity to live inside it. If you’re a high-achieving working woman who feels productive, responsible, and capable (but also quietly exhausted), this episode will meet you gently. We talk a lot about building wealth, setting goals, and strengthening financial systems. But sustainable success also requires nervous system regulation, intentional rest, and redefining what productivity means. In this episode, I’m sharing why I chose to step away from constant output, what grief taught me about using work as coping, and how choosing calm became part of my success strategy. This isn’t about quitting. It isn’t about doing less. It’s about building a life you don’t need to escape from. In this episode, you’ll learn: • Why high-achievers often use productivity as proof they’re “okay” • How grief and stress can quietly impact your health and decision-making • The difference between burnout and strategic rest • What it means to regulate your nervous system instead of running on pressure • How to build success that feels supportive instead of depleting This episode is especially for you if: • You struggle to rest without feeling guilty • You tie your identity to being productive and reliable • You feel “wired and tired” but still pushing through • You want success that feels sustainable long-term Why this matters for your life and money: Financial freedom isn’t just about income or savings. It’s about having the capacity to enjoy what you’ve built. When your nervous system is constantly activated, your decisions become reactive. When you operate from calm, your choices become intentional. Timestamps: [02:40] Building created opportunities [03:24] Productivity as identity and coping [05:15] Grief, health, and nervous system dysregulation [09:15] Why “regulate” became my word for 2026 [11:50] Questions to ask yourself about sustainable success Resources Mentioned: Subscribe to the City Girl Savings The CGS If you’re working toward financial success but want your systems to support your life (not consume it), explore the resources at citygirlsavings.com. You are capable of building a financial life that feels stable, aligned, and supportive of the life you want to live. Strong foundations create lasting confidence. Keep building with intention. /episode/index/show/citygirlsavings/id/40302360

5 Financial Foundations Every Woman Needs to Feel Confident with Money 04/13/2026

5 Financial Foundations Every Woman Needs to Feel Confident with Money Have you ever felt like you’re doing all the “right” things with your money…working hard, paying bills, maybe even saving…but still don’t feel financially settled? If you’re a working woman trying to level up your life and money, but something feels slightly unstable underneath it all, this episode will help you pinpoint why. After over a decade of coaching women through budgeting, saving, debt payoff, and financial goal planning, I’ve learned this: financial stress usually doesn’t come from not making enough money. It comes from trying to build wealth without strengthening your foundation first. In this episode, we’re slowing down and focusing on the five financial foundations that create real stability: budgeting, saving, debt management, credit, and goal planning. Not from a place of pressure. Not from a place of perfection. But from a place of clarity. Because when your foundation is solid, everything else (investing, earning more, building wealth) becomes simpler and calmer. If you’ve been wanting to feel more confident with money instead of second-guessing yourself, this is where we begin. In this episode, you’ll learn: • Why budgeting is about clarity and freedom, not restriction • How saving builds confidence and gives you options • The shift that turns debt from something shameful into something strategic • How to understand and responsibly use credit instead of fearing it • Why financial goals should guide you, not define your worth This episode is especially helpful if you: • Make decent money but don’t feel fully organized • Feel financially “fine” but not confident • Want to improve your money management skills without overwhelm • Are ready to build wealth in a more intentional way Why this matters: Wealth isn’t built from random tips or motivation bursts. It’s built from systems that support you long term. When your budgeting, saving, debt strategy, credit habits, and goals are aligned, your nervous system relaxes. Decisions feel clearer. Progress feels steadier. And that’s when money starts feeling supportive instead of stressful. Timestamps: [02:32] Budgeting as a system for clarity [04:54] Saving as stability and self-trust [08:00] Managing debt without shame [11:48] Understanding and improving your credit [14:40] Planning goals that align with your values Resources Mentioned: Episode 1: The CGS If you’re ready to organize your numbers and strengthen your financial foundation in a structured, calm way, start with the Personal Finance Portfolio at citygirlsavings.com. You are capable of building a financial life that feels stable, aligned, and supportive of the life you want to live. Take it one foundation at a time. Progress built on structure will always outlast perfection. /episode/index/show/citygirlsavings/id/40302325

A Smarter Way for Women to Manage Their Money with Sahirenys Pierce 04/06/2026

A Smarter Way for Women to Manage Their Money with Sahirenys Pierce Managing your money isn’t about being perfect…it’s about having a system you can rely on. Many working women make good money. They budget. They save when they can. And yet, money can still feel reactive, overwhelming, or harder to manage than it should be. If you’ve ever felt like you’re doing “all the right things” but still don’t feel organized or confident, this episode will help you think differently. Today, I’m joined by financial wellness educator and founder of Poised Finance & Lifestyle, Sahirenys Pierce. Her work has been featured in Forbes Women, CNBC, and CNET, and she’s the author of The High 5 Banking Method…a practical money system built around two checking accounts and three savings accounts. This conversation is about structure, clarity, and building a money system that supports your real life instead of relying on willpower. In this episode, we discuss: • Why so many women feel overwhelmed even when they’re budgeting • What the High 5 Banking Method is and how it works • The purpose behind the “2 checking + 3 savings” structure • Why separating your money into dedicated accounts reduces stress • What the 2-Week Gap Strategy is and how it helps you get ahead This episode is especially helpful if you: • Feel reactive with your money • Struggle with consistency, even when you have income • Want a simple money management system • Are looking for structure without restriction Why this matters: Budgeting is powerful…but budgeting without structure can still feel fragile. Systems create consistency. When your money has designated roles and clear organization, you remove emotional guesswork. That’s where confidence builds. Timestamps: [03:53] We need to simplify things down so we can focus on what’s most important [10:33] Stop putting expectations on yourself based on what social media portrays [16:38] Before setting up new bank accounts, repurpose what you currently have [23:50] Combining accounts in a partnership can provide a variety of benefits [30:00] Over 70% of Americans are living paycheck to paycheck Resources Mentioned: Grab your copy of the Follow Sahirenys on The CGS If you’ve been craving more structure and organization in your finances, start by getting your numbers in one place with the Personal Finance Portfolio at citygirlsavings.com. You are capable of building a financial life that feels stable, aligned, and supportive of the life you want to live. Strong foundations create lasting confidence. Keep building with intention. /episode/index/show/citygirlsavings/id/40302230

5 Money Lessons 2025 Taught Us and How to Apply Them in 2026 12/29/2025

5 Money Lessons 2025 Taught Us and How to Apply Them in 2026 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 all mean the world to me and the entire CGS team. This podcast started back in January 2022 as a way for me to share what I've learned about money, mindset, goal-setting, and creating the life you want on your own terms. Over the past four years, it's grown into such a powerful space for women to learn, grow, take ownership of their financial futures, and realize they're not alone in their money struggles. As we close out another incredible year, I've been reflecting deeply on what 2025 has taught me—not just as a money coach working with clients every week, but as a woman navigating her own financial journey, personal growth, health challenges, business evolution, and life transitions. So in today's final episode of the year, I'm sharing five powerful money lessons that 2025 taught us, along with practical ways to apply each one in 2026 so you can reach brand-new levels in your financial journey. And because I'm passionate about the transformation that happens when you have support and guidance, I'm also sharing how working with a money coach can help you implement these lessons with clarity and confidence. Grab a notebook, open your Notes app, or get ready to screenshot some key takeaways, because these five lessons are the perfect foundation for the new year ahead. Here’s What You’ll Learn in This Episode: Why discipline beats motivation for lasting financial results The role of mindset in determining your money success or struggles How financial systems create freedom instead of restriction Building accountability through money coaching and support systems Real client success stories: credit score increases, debt payoff, mindset shifts The power of imperfect action over waiting for perfect conditions The Perfect Year-End Reflection: After 211 episodes and countless client transformations, these five lessons represent the most powerful shifts that create lasting financial change. Whether you crushed 2025 or struggled through it, these insights will help you enter 2026 with clarity, confidence, and a concrete plan for growth. Here's a glance at this episode: [02:29] Discipline Over Motivation: Why the hard days make the biggest difference in your financial progress. [05:10] Mindset Transformation: How money coaching rewires your relationship with money, confidence, and self-worth. [09:27] Systems Create Freedom: How financial organization eliminates stress and creates lasting peace with money. [11:56] Progress Over Perfection: Why waiting for the "perfect time" keeps you stuck and how to take imperfect action. [14:40] Q1 2026 Podcast Break: What to expect during the break and exciting updates coming in April 2026. 🎉 City Girl Savings 20% Off Sale - January 1-15, 2026! Start the new year strong with 20% off custom budget plans, the Personal Finance Portfolio, 1-on-1 money coaching, and DIY worksheets. This is our biggest sale of the year and only happens once—mark your calendar! Podcast Q1 2026 Break Announcement: After releasing weekly episodes since January 2022, the City Girl Savings Podcast is taking a well-deserved Q1 break (January-March 2026). We'll share favorite past episodes weekly to keep you inspired while preparing an incredible new season. Brand-new episodes return the first Monday in April 2026! Thank You for an Amazing 2025: Thank you for being part of the CGS family this year. Your support has made this podcast's growth possible, and I'm so proud of the progress you've made toward your financial goals. Here's to the lessons learned, the progress made, and the amazing transformations waiting in 2026! Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! 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, , 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! Also, please make sure you’re subscribed and following the City Girl Savings podcast on , , and ! Resources mentioned in this episode: Grab your Listen to Episode #21 – Get started on a today Learn about Raya’s Follow City Girl Savings on , , and Join the Subscribe to the ! /episode/index/show/citygirlsavings/id/38936910

6 Ways to Assess Your Goal Progress and Set Better Goals 12/22/2025

6 Ways to Assess Your Goal Progress and Set Better Goals 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 your progress throughout the year) matters just as much as the goals themselves. You can have ambitious, exciting goals, but without the right assessment process and tracking systems, you'll constantly feel like you're falling short even when you're making real progress. Or worse, you'll keep setting the same goals year after year without understanding why they're not working. So today, I want to help you assess where you are right now with total honesty and zero guilt. Whether you absolutely crushed your 2025 goals and exceeded your own expectations, or you're looking at your list feeling like you fell short in several areas, this episode will help you reflect constructively and set yourself up for even more success in 2026. In this episode, I'm sharing 6 practical ways to assess your current goal progress and set better, more effective, more aligned goals for the new year. These strategies will help you understand what worked, what didn't, and how to create goals that actually stick. Here’s What You’ll Learn in This Episode: How to conduct an honest goal inventory without self-judgment Why celebrating progress matters more than perfect completion Identifying successful systems and habits that moved you forward Recognizing patterns and obstacles that consistently derailed progress The importance of revisiting your "why" before setting new goals How to make goals specific and measurable for better tracking Breaking big goals into small, consistent, achievable actions Adjusting goals when life circumstances or priorities change Separating self-worth from goal achievement outcomes Setting smarter goals based on lessons learned from previous years Here's a glance at this episode: [02:01] Honest Goal Inventory: Taking stock of achievements, in-progress goals, and what didn't happen (without self-criticism). [04:25] Progress Over Perfection: Why consistent effort and partial completion deserve celebration and recognition [08:02] Revisiting Your Why: Evaluating whether last year's goals still align with your current values and lifestyle. [11:09] Specific Goal-Setting: How to transform vague intentions into measurable, trackable targets. [13:06] Self-Worth Reminder: Decoupling personal value from goal completion and embracing growth mindset. 🎉 Annual 20% Off Sale Alert! The City Girl Savings New Year Sale runs January 1-15, 2026! Get 20% off custom budget plans, the CGS Personal Finance Portfolio, 1-on-1 money coaching, and DIY worksheets. Mark your calendar—this is our biggest sale of the year and only happens once! Podcast Break Reminder: The City Girl Savings Podcast takes a Q1 2026 break (January-March). We'll share favorite past episodes to keep you inspired, then return with fresh content the first Monday in April 2026! Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! 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, , 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! Also, please make sure you’re subscribed and following the City Girl Savings podcast on , , and ! Resources mentioned in this episode: Grab your Get started on a today Learn about Raya’s Follow City Girl Savings on , , and Join the Subscribe to the ! /episode/index/show/citygirlsavings/id/38936870

My Personal and Business Goals for 2026 12/15/2025

My Personal and Business Goals for 2026 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 here's what makes goal-setting even more powerful: accountability. Sharing my goals publicly with the CGS community holds me accountable to actually working toward them instead of letting them sit in a journal collecting dust. It also gives you real-world examples of how entrepreneurs balance personal wellness goals with business growth targets, manage financial priorities while building wealth, and adjust expectations when things don't go as planned. In this transparent episode, I'm sharing my complete personal and business goals for 2026, along with honest progress updates on the goals I set for 2025…the wins, the misses, and the valuable lessons learned along the way. From maxing out my Roth IRA to managing a short-term rental property, from improving profit margins to taking a podcast break for mental health, I'm pulling back the curtain on what it really looks like to run a business while prioritizing personal wellness. My hope is that you finish this episode feeling empowered and inspired to set and reflect on your own 2026 goals, whether they're financial, health-related, business-focused, or all of the above. Here’s What You’ll Learn in This Episode: Balancing ambitious financial goals with realistic expectations Investment strategies: maxing out retirement accounts (Roth IRA) Real estate investment lessons from managing a short-term rental property Business finance: increasing profit margins while managing revenue fluctuations Health and wellness goals for entrepreneurs and busy professionals Managing screen time and reducing social media-induced anxiety Prioritizing nervous system regulation and work-life balance Setting business revenue and profitability targets for sustainable growth Radical Transparency for Accountability: This isn't a highlight reel—it's an honest look at what worked, what didn't, and how an entrepreneur balances million-dollar net worth building with mental health priorities. Use this as your roadmap for setting realistic, meaningful goals that honor both your ambitions and your wellbeing. Here's a glance at this episode: [03:37] Health Goal Progress: Hitting 12,000 daily steps 90% of the year and evolving fitness goals with naturopathic support. [06:43] Real Estate Reality Check: Palm Springs Airbnb lessons—prioritizing memories over profit and managing investment expectations. [11:35] Email Growth Strategy: How City Girl Savings tracks newsletter subscribers and sets baseline metrics for growth. [16:42] 2026 Life Goals: Planning a courthouse wedding and 3-week European honeymoon adventure! [18:51] Nervous System Regulation Priority: Why slowing down and reducing stress is Raya's top personal focus for 2026. Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! 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, , 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! Also, please make sure you’re subscribed and following the City Girl Savings podcast on , , and ! Podcast Update: No new episodes in Q1 2026—the show returns with fresh content the first Monday in April 2026! Past favorite episodes will air during the break. Resources mentioned in this episode: Listen to Episode 187 - Learn about Raya’s Follow City Girl Savings on , , and Join the Subscribe to the ! /episode/index/show/citygirlsavings/id/38936820

10 Quick Financial Wins to Achieve Before the Year Ends 12/08/2025

10 Quick Financial Wins to Achieve Before the Year Ends 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 time to reflect on your spending patterns, reset your financial priorities, and take small but mighty actions that will set you up for success in 2026. Think about it…most people wait until New Year's to think about their money goals, but by starting now, you're already ahead of the game. You can finish 2025 strong and hit the ground running in January instead of scrambling to figure out where to start. So in today's episode, I'm sharing 10 quick financial wins you can knock out before the ball drops on New Year's Eve. These are simple, achievable things that don't require hours of work or major lifestyle changes, but they can give you clarity, confidence, and serious momentum going into a brand-new year. From cleaning up your finances to building quick wins and resetting your money mindset, these actionable steps will help you close out the year feeling proud and prepared. Here’s What You’ll Learn in This Episode: How to conduct a meaningful 2025 spending review and identify problem areas Strategies for finding and eliminating wasted subscription spending Setting up financial automation to build consistency in 2026 Creating sinking funds for specific 2026 goals and priorities Maximizing credit card rewards and cash back before year-end Making strategic extra debt payments for psychological momentum Reviewing and celebrating your savings progress (no matter the amount) Goal-setting techniques to enter 2026 with clear financial direction Money mindset reflection practices for lasting behavior change Why celebrating progress is essential for building financial confidence Don't Wait for January: While everyone else is scrambling to figure out their New Year's resolutions, you can finish 2025 strong and start 2026 already ahead. These 10 achievable wins take minimal time but create maximum impact on your financial confidence and trajectory. Here's a glance at this episode: [01:54] The 10 financial wins are broken up into 3 segments: cleaning up your finances, quick wins for momentum, and reflecting and resetting your mindset. [03:45] 2025 Spending Review: Analyzing where your money went and identifying overspending patterns (plus tracking system resources). [07:50] Credit Card Rewards Strategy: Cashing out points to fund holiday spending or accelerate financial goals. [11:25] Setting your goals is a must, money goals included! Start thinking about your 2026 goals now to start fresh January 1st. [14:59] Progress Celebration: How gratitude builds financial confidence and empowers better money decisions. Podcast Break Announcement: The City Girl Savings Podcast will be taking a short break during Q1 2026. We'll be sharing favorite past episodes to keep you inspired, then returning with brand-new content starting the first Monday in April 2026! Stay connected via Instagram @citygirlsavings and our newsletter for updates. Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! 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, , 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! Also, please make sure you’re subscribed and following the City Girl Savings podcast on , , and ! Resources mentioned in this episode: Grab your Learn about Raya’s Follow City Girl Savings on , , and Join the Subscribe to the ! /episode/index/show/citygirlsavings/id/38936790

Pleasing Yourself Instead of Others with Therapist Jamila Holcomb 12/01/2025

Pleasing Yourself Instead of Others with Therapist Jamila Holcomb 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 relationships, our career decisions, our spending habits, our ability to set boundaries…and deserves to always be a priority, not an afterthought. That's why I couldn't be more excited to welcome licensed marriage and family therapist Dr. Jamila Holcomb to the show today. With over a decade of experience helping individuals and families, plus her work mentoring future therapists at Florida State University, Dr. Holcomb brings invaluable insight into the people-pleasing patterns that keep so many women stuck. In this conversation, we're diving deep into how women can stop people pleasing and start prioritizing their own happiness, and how their mental health (and even their finances) will benefit as a result. As we look to close out another year, make sure you're starting 2026 with a renewed sense of self-love, worthiness, and healthy boundaries. Here’s What You’ll Learn in This Episode: Recognizing subtle signs you're stuck in people-pleasing patterns The connection between people-pleasing, burnout, and mental health How childhood and cultural expectations shape caregiving behaviors Practical first steps to start prioritizing your own needs without guilt The role of self-worth in breaking free from people-pleasing How people-pleasing shows up in money habits and financial boundaries Setting healthy boundaries for emotional, mental, and financial wellness Self-reflection practices to build self-trust as you enter the new year The Mental Health-Money Connection: People-pleasing doesn't just drain you emotionally—it shows up in your bank account too. From overspending on others to avoiding financial boundaries, learn how prioritizing yourself mentally leads to better financial decisions and true wealth. Here's a glance at this episode: [03:00] Dr. Holcomb's Journey: Over a decade in mental health therapy and what drew her to this field. [07:45] Irritability is a common symptom prescribed to women and Jamila believes it’s connected to women overextending themselves. [17:57] Reclaiming Personal Time: Creating a list of neglected activities and how to reintegrate them. [30:08] Overwhelm is personal and systemic. It’s important to remember that empowering yourself is a start to impacting the overall system. [36:21] Money and Self-Worth: How finances become tools for justifying worth and gaining love through people-pleasing. Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! 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, , 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! Also, please make sure you’re subscribed and following the City Girl Savings podcast on , , and ! Resources mentioned in this episode: Follow Jamila on and Visit Jamila’s Learn about Raya’s Follow City Girl Savings on , , and Join the Subscribe to the ! /episode/index/show/citygirlsavings/id/38936755

5 Financial Blessings You May Be Overlooking 11/24/2025

5 Financial Blessings You May Be Overlooking 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 progress. We dismiss our income because it's not six figures yet. We shame ourselves for having debt instead of acknowledging that credit gave us access when we needed it. We ignore our savings because the balance feels too small to celebrate. In today's episode, we're shifting that perspective completely. I want to help you recognize five financial blessings you may be overlooking, so you can start seeing your current financial situation in a new, empowering light. Because here's the thing research proves time and again: when you start practicing gratitude for what you already have, you open the door for more opportunities, more growth, and yes... more money. Abundance starts with appreciation. Here’s What You’ll Learn in This Episode: Why gratitude mindset attracts more financial abundance and opportunities How to reframe your current income as a blessing worth celebrating The hidden blessing of having access to credit and debt repayment ability Why any amount of savings deserves recognition and appreciation Celebrating financial possibilities you haven't tapped into yet Shifting from scarcity to abundance thinking with money Financial gratitude isn't just about feeling good, it's a proven wealth-building practice. When you acknowledge your current blessings, you shift from scarcity to abundance thinking, which opens you up to recognize and seize more opportunities for financial growth. Here's a Glance at This Episode: [01:53] Income Appreciation: Recognizing any income stream as a financial blessing worth acknowledging. [04:22] Currently paying down debt? There was a point in time where you needed access to that credit, thankfully you had it. [07:15] Celebrating Savings Progress: Honoring your commitment to future you, regardless of balance size [10:33] My favorite overlooked financial blessing is about gratitude for the possibilities you haven’t even tapped into yet. Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! 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, , 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! Also, please make sure you’re subscribed and following the City Girl Savings podcast on , , and ! Resources mentioned in this episode: Listen to CGS Podcast #15 – Request a to discuss money coaching Learn about Raya’s Follow City Girl Savings on , , and Join the Subscribe to the ! /episode/index/show/citygirlsavings/id/38486925

6 Strategies to Maximize Every Dollar You Make 11/17/2025

6 Strategies to Maximize Every Dollar You Make 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 with your income. You'll just overspend at a higher level. In this episode, we're focusing on the behavioral side of money management. I'm sharing 6 strategic ways to maximize every dollar you currently earn through better budgeting, intentional spending, and financial systems that work on autopilot. Once you've given every dollar a purpose and you're consistently sticking to your budget, you'll be ready to bring more money into the picture and reach your financial goals faster, without the cycle of earning more and spending more. Here’s What You’ll Learn in This Episode: How to diagnose if you have an income problem vs. a spending problem Building a goal-aligned budget that makes every dollar intentional The difference between high-impact and low-impact spending decisions Setting up automated financial systems to remove reliance on willpower When to invest in financial education or coaching for better results Why financial literacy is the foundation of wealth building The Foundation of Wealth: You can't out-earn bad spending habits. This episode gives you the framework to get intentional with your current income, break the cycle of overspending, and build a solid foundation before scaling up your earnings. Here's a Glance at This Episode: [01:57] Goal-Aligned Budgeting: Creating a budget system that intentionally leverages your current income. [04:35] Every dollar that you spend should be working for you, not against you. That means prioritizing high-impact spending. [08:40] Financial Automation: Building systems that run on autopilot without relying on memory or willpower. [12:08] If the things you’re doing aren’t working for your finances, it’s okay to invest your time or money into getting the results you need. [14:25] The more you know about money, the more confident and strategic you become with it. Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! 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, , 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! Also, please make sure you’re subscribed and following the City Girl Savings podcast on , , and ! Resources mentioned in this episode: Let Raya create your Learn about Raya’s Follow City Girl Savings on , , and Join the Subscribe to the ! /episode/index/show/citygirlsavings/id/38486840

Not Burned Out, But Not Excited? How to Move Through the In-Between 11/10/2025

Not Burned Out, But Not Excited? How to Move Through the In-Between 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, searching for answers, and realizing I'd become so fixated on my end destination that I forgot to appreciate the progress I'd already made. The shift from striving to gratitude changed everything. In this episode, I'm sharing the mindset shifts and practical strategies that helped me move through the in-between with purpose and renewed energy. Whether you're experiencing a career plateau, life transition, or just feeling 'blah' about your progress, you'll learn how to rediscover motivation, practice gratitude that actually works, redefine what success means in your current season, and find clarity when the path forward feels unclear. Here’s What You’ll Learn in This Episode: How to recognize when you're in an 'in-between' season vs. burnout Why gratitude practices activate happiness and boost motivation Redefining success beyond traditional milestones and achievements The power of mental breaks for gaining clarity and reducing overwhelm How to appreciate your current progress while pursuing bigger goals Signs you're craving change and what to do about it Feeling Stuck Isn't Failure: That "meh" feeling when you're functioning well but not thriving is more common than you think. This episode validates the in-between experience and provides actionable tools to move through it with intention, rather than waiting for a breakthrough to happen to you. Here's a Glance at This Episode: [02:04] Raya shares how The Joy of the In-Between helped her identify where she was mentally. [05:45] Craving change but you’re unsure of what’s next? This could be a sign that you’re stuck in your current situation. [10:49] Gratitude Neuroscience: How gratitude practices rewire your brain for happiness and motivation. [14:15] Most of us measure success by big milestones, but success can (and should) look different when we’re in different seasons of life. [17:12] Mental Clarity Through Rest: How strategic breaks release mental clutter and restore vision. Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! 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, , 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! Also, please make sure you’re subscribed and following the City Girl Savings podcast on , , and ! Resources mentioned in this episode: Get Ashley’s Book: Learn about Raya’s Follow City Girl Savings on , , and Join the Subscribe to the ! /episode/index/show/citygirlsavings/id/38486770

How to Start a Profitable Side Hustle with Coach Latasha Peterson 11/03/2025

How to Start a Profitable Side Hustle with Coach Latasha Peterson 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 right side hustle opportunity for your skills and schedule Proven methods for generating passive income through blogging and digital products Overcoming imposter syndrome and self-doubt when starting your business Research strategies to validate your side hustle idea before investing time and money How to track what's working and scale your side income effectively Budgeting tips for managing multiple income streams Why Multiple Income Streams Matter: In today's economy, relying on a single paycheck limits your financial potential. Side hustles offer flexibility, security, and the opportunity to turn your passions into profit, all while maintaining your full-time job. Here's a Glance at This Episode: [02:52] Side Hustle Origin Story: The turning point that motivated Latasha to create additional income streams. [08:45] Not sure how to make passive income from a blog? Latasha shares how income streams from her blog helped her pay off debt. [15:59] There is more than enough to go around. Latasha shares how imposter syndrome stops someone from getting started with a side hustle. [23:30] Not sure how to determine what is working when it comes to your side hustle? Latasha shares some great resources for doing your research. [34:53] Money Management for Entrepreneurs: Why budgeting knowledge is essential for side hustle growth. Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! 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, , 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! Also, please make sure you’re subscribed and following the City Girl Savings podcast on , , and ! Resources mentioned in this episode: Follow Latasha on Check out Latasha’s Learn about Raya’s Follow City Girl Savings on , , and Join the Subscribe to the ! /episode/index/show/citygirlsavings/id/38486700

My Journey to a Regulated Nervous System 10/27/2025

My Journey to a Regulated Nervous System 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, sure enough, red flags were everywhere. She asked me if I felt tired. My answer was yes, but I still continue to get everything done. Even thinking that makes me sad. It meant that I would make sure all the work and everyone else was taken care of before myself. I’ve operated like that for so long that it’s going to take more than just a couple of months of intention to change. But that’s okay, I’m committed to it. In this episode, I’m sharing my current journey to a regulated nervous system, why our nervous systems matter and some of the habits I’ve built to become more regulated. If you struggle with excess stress, high cortisol and unwanted anxiety, I hope my story encourages you to regulate your nervous system as well! Nervous system regulation techniques you'll learn: Warning signs of chronic stress and nervous system dysregulation Why entrepreneurs are at higher risk for burnout and anxiety Practical breathing exercises for immediate stress relief How nature therapy reduces cortisol and improves mood Building sustainable self-care habits for long-term health The connection between physical health and business performance High-achieving women and entrepreneurs often sacrifice their health for productivity. This episode bridges the gap between wellness and business success, showing how nervous system regulation actually enhances performance while preventing burnout. If you're tired but keep pushing through, prioritize everyone else before yourself, or feel like you're running on empty - this episode is your permission slip to prioritize your nervous system. Here's a glance at this episode: [02:00] Health Wake-Up Call: Raya shares that things got so bad with her health that she ended up seeking out help from multiple professionals. [05:12] The Body's Warning System: If we do not take it upon ourselves to proactively regulate our nervous systems, our bodies will take over and force us. [05:52] Nervous System Basics: Your nervous system is the “command center” of your body. It does a lot to regulate your organs and emotions. [12:50] Breathwork for Stress Relief: Breathing exercises can be a great way to regulate the nervous system. Raya shares a few different examples of exercises to take on. [15:45] Nature Therapy Benefits: Raya has made it a point to always start her day in nature. It's a great way to elevate her mood and reduce stress. Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! 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, , 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! Also, please make sure you’re subscribed and following the City Girl Savings podcast on , , and ! Resources mentioned in this episode: Learn about Raya’s Follow City Girl Savings on , , and Join the Subscribe to the ! /episode/index/show/citygirlsavings/id/38024565

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

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