“Failure should be our teacher, not our undertaker.” - Denis Waitley 

I have failed in my time and it was during those failures where I learned who I was, what I wanted out of life and what not to do next time. The first 2 years of my oldest daughter’s life are painful to reminisce. I was drowning in a job that took over my entire life, I had clutter and debt and then I had a miscarriage. It was horrible, chaotic, and emotionally draining, to say the least. I didn’t have a budget, I didn’t know how to manage my life and overall — I was a mess.  I decided to get intentional about my life when I hit a breaking point. I quit my job and became a SAHM. It took me about a year to recover, unwind, and clean up the mess we had made. It hurts to look back and it hurts to feel like those years were thrown away in an abyss, but the reality is that I learned my grit and my grace in those trying times.

Keep waking up. Keep moving forward. Keep showing up For yourself and the people you love. It is all worth it when you triumph over your failures and fears.

• How I failed and what I learned from those failures

• My why and what pushed me to keep showing up for myself, my family and my future self

• How reflecting can bring you humility and a sense of purpose

• Moving on and moving up

• —> Sami’s YouTube Channel

As Millennials, we live with the guilt of killing thousands of industries per day. We’re lazy and we expect things to be handed to us with no effort. We need safe spaces and avocado toast to make it through the day. We have debt up to our eyeballs, get married later in life and think of plants and dogs as our kids.

If you’ve ever heard our generation chalked up to these tropes, Episode 118 is for you. Katelyn Magnuson joins Sami on A Sunny Side Up Life Podcast to discuss how Millennials are blazing their own trails and changing the conversation around norms. Especially money norms.

• Intentional financial goal setting

• How Millennials are changing money conversations

• The different stigmas that our generation is breaking

• Women taking the position of power players and leaders in the money-making and money-handling role

• [Katelyn’s article] Why Dave Ramsey’s Financial Advice Is Toxic AF

• Subscribe to Sami’s YouTube Channel >>

• Podcast Home Page

• Leave a Podcast Review

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Katelyn Magnuson is the founder of The Freelance CFO, an organization that helps millennials and beyond master their money knowledge and grow their financial freedom. Through her trainings, social media presence, and sought-after one-on-one coaching, she empowers “millennials to create the life of their dreams with businesses that support their goals and are not only fun, but profitable.” She has been featured on US News & World Report, The Financial Diet, Betches, Nicki Swift, CreditCards.com, Bitches Get Riches, and countless podcasts.

Combining her education and years of experience as a tax analyst and controller, Katelyn has discovered the power of investing in personal money management. She believes you can automate your money to hit big financial goals and still buy the latte. It is her mission to help millennials everywhere release financial frustration and embrace complete success. Instagram | Facebook | Website

Sami Womack is the brains behind A Sunny Side Up Life. Her weekly chart-topping podcast has been downloaded over 150,000 times. When she’s not downing caramel coffee and rocking a little girl on her hip (literally), she’s creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life.

She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family’s finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born.

Today, Sami owns this business helping women get through dark times and experience the life-altering magic of intentional living.

She offers a jump start into money mindset with the FREE Magic + Money Course + a full budgeting experience with Your Sunny Money Method.

⁠⁠’Tis the season to deck those halls, but what if you’re too overwhelmed to even think about holly and tinsel? In this episode, Sami shares how it is possible to have a simpler and more intentional holiday, and how it could actually make your family closer… and jollier.

• Encouragement for slowing down

• How to use intentionality over consumerism

• Starting new holiday traditions

• Tips for having a simpler holiday season

• Alternatives to buying “crap”

  1. Donate instead

  2. Give experiences

  3. Give useful things (consumables, art supplies, plants, practical, money)

• —> Sami’s YouTube Channel

⁠In this flipped episode of A Sunny Side Up Life, Sami is on the other side of the proverbial desk. Vee from Vee Frugal Fox asks Sami about everything from personal finance and ice cream flavors to who she voted for in the 2020 election and why she feels a personal responsibility to amplify politics on this platform. You’ll want to listen to this!

• Her pet peeves about the #debtfreecommunity

• Who inspires her the most

• What her favorite ice cream flavor is

• The 2020 Election and politics on her platform

• What is one thing she would tell her past self if she could go back in time

• What money mistakes she made that she wants her girls to avoid?

• —> Sami’s YouTube Channel

You’ve heard Sami say it a million times: “Personal finance is personal”. This philosophy applies at the very start of your debt free journey. Paying off debt is as personal as anything else in personal finance. It’s kind of obvious... because it’s in the name.

That’s why we’re breaking down The Debt Snowball Method v. The Avalanche Method and what method works best with different scenarios. We explain what these two methods are, why each could work for you and more!

• The Debt Snowball Method

• The Debt Avalanche Method

• The positives and negatives of both methods

• Why you may want to chose one or the other

• The benefits of making debt payoff personal to your situation

• Questions:

  1. Do you need a quick win with a small balance debt gone?

  2. Do you need to save money with the higher interest gone?

  3. Do you need a certain debt gone simply because it causes you stress?

  4. Do you owe family or the IRS?

  5. Do you have a deadline? Are you having a baby, moving to a different state, or changing careers?

• Play around with the timelines + the math. Then make out your own custom debt payoff plan.

• Holiday Budget Guide *save 35%

• [Freebie] My Goals Timeline

• [Full Budgeting Worksheets] Digital Budgeting System

• [Debt Calculator] Easy Budget

• Get on the 1:1 Coaching waiting list

• —> Sami’s YouTube Channel

Politics directly affects everything from unemployment and job creation, to taxes, healthcare, education. If you care about personal finance and your family’s budget — you must care about politics too.

In this episode, I’m digging into why you can’t detach politics from money, how it directly affects our financial literacy and our education systems, and why I feel so strongly about exercising your right to vote. Plus, I’ll share my tips on how to make voting with your kids in-tow super simple.

• Why you can’t keep politics out of personal finance

• Why your voice matters regardless of your occupation or income level

• Why voting is so important — not just for president, but for state and local officials too

• My tips for making voting with your kids in-tow much easier

• Why you can’t detach politics from money

• Examples of how politics affects our personal budgets with areas like unemployment, job creation, taxes, healthcare, education, and more

• How politics directly affects our education systems

• Why financial literacy is crucial for Black and Latino Americans, as well as women if we ever hope to break the wage gap

• How politics, education, and the wage gap are all directly related

• Why we need to vote for financial literacy and life skills to be taught more in schools

• Statistics on household income based on ethnicity

• [YouTube Video] Fall in love with inclusion in finances

• Learn more about your ballot at vote411.org

• 2018 Census Bureau report on household income based on ethnicity

• —> Sami’s YouTube Channel

In this episode, Kaitlin from @thebeamlife shares why she’s so passionate about women’s empowerment; and how she’s helping women dive deep to discover their wildest dreams, gain the confidence to become the most fierce versions of themselves, and build endurance to keep going during the hard times.

Plus, Kaitlin spills all the details on her recipe for success: fitness, nutrition, goal setting, and morning rituals.

• Kaitlin’s personal journey from fashion student in New York to fitness coach in Los Angeles

• The steps she took to grow from overweight to a personal trainer

• Best advice for women wanting to start their own personal development journey

• Actionable tips for fitness, nutrition, goal setting, and morning routines

• Advice for moms with young kids who want to wake up early

• [Book] 5 AM Club by Robin Sharma

• [Book] The Miracle Morning by Hal Elrod

• [Book] The ONE Thing by Gary W. Keller and Jay Papasan

• [The BEAM Life Podcast] Developing a Financial Mindset and Heartset with Sami Womack

• Subscribe to Sami’s YouTube Channel >>

• Podcast Home Page

• Leave a Podcast Review

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Katie Anthony is a mother, entrepreneur, professional fitness coach, lifestyle blogger, and the founder of The BEAM Life, a podcast and company dedicated to empowering women and helping them live purpose-driven lives.  

Kaitlin uses her own experiences to coach others in working through and overcoming their own obstacles.  Her favorite things to do, when she’s not coaching or creating content, are being outdoors, getting in a good sweat sesh, shopping, and spending quality time with family and friends. Kaitlin lives in sunny Los Angeles with her daughter, partner, and 2 rad black cats.  Instagram | Website | Podcast | YouTube

Sami Womack is the brains behind A Sunny Side Up Life. Her weekly chart-topping podcast has been downloaded over 100,000 times. When she’s not downing caramel coffee and rocking a little girl on her hip (literally), she’s creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life.

She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family’s finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born.

Today, Sami owns this business helping women get through dark times and experience the life-altering magic of intentional living.

She offers a jump start into money mindset with the FREE Magic + Money Course + a full budgeting experience with Your Sunny Money Method.

You’ve probably heard the term “gazelle intense” and all of the reasons why you should hustle to get your debt paid off as fast as possible, but what if that hustle proves to be toxic?

In this episode, I’m sharing what exactly hustle culture means, how to know if it’s becoming toxic in your own life, and how to find the balance between achieving your goals and not losing yourself in the process.

1. What is hustle culture

2. Why the hustle culture can be toxic

3. How to find balance to avoid mental burnout

4. Why your net worth doesn't equal your worth AND your productivity doesn’t equal your worth

5. How I’m teaching my kids this lesson of balance

6. Why hustling and deprivation could cause you to fail at your debt-free journey

7. Why side hustles can be great, but they’re not for every person or every season of life

8. Why gazelle intensity isn’t for everyone

9. Why we need to focus on the big picture, and not burn ourselves out

• [YouTube Video] The balancing act of Spend vs Save

• [YouTube Video] Let’s Talk About Being Productive

• [YouTube Video] Let's Talk About Prioritizing Rest

• [YouTube Video] Monday Motivation - TREAT YO SELF

• [Podcast] EP. 34 How To Balance Spending vs. Saving Money

• [YouTube Video] FIRST EVER Walmart Grocery Pickup Shopping Haul

• —> Sami’s YouTube Channel

In this episode, @winningtowealth shares the ups and downs of his family’s debt-free journey, simple investment tips to reach FIRE, and why financial independence should be considered a form of social activism for POC and allies.

Plus, Michael will walk us through how he and his wife got on the same page about money, how his daughter changed his goals, and the effects COVID has had on his career.

• What helped his wife get on board with budgeting

• Advice for a partner who’s objective to a debt-free journey

• How the birth of his daughter changed his financial goals

• How he handled being laid off twice

• Simple investment strategy to reach FIRE (Financial Independence Retire Early)

• Why financial literacy is so important for POC

• Why financial independence is considered a form of social activism for POC and allies 

• How being financial secure helped Michael be more active in his community and with his family

• His advice on what allies of BLM can do to support the movement

• [Book] The Black Tax by Shawn D. Rochester

• [Book] The Color of Law by Richard Rothstein

• [Winning To Wealth Podcast] Should Financial Independence Be Considered a Form of Activism?

• [Winning To Wealth Podcast] 034 | How Eliminating $490,000 In Debt Brought This Family Closer Together | Sami Womack

• [Podcast] Ep. 107 Taking on Racism in The Debt Free Community with guest Jasmine Tillery

• [Podcast] Ep. 94 My Take on #blacklivesmatter Movement

• Subscribe to Sami’s YouTube Channel >>

• Podcast Home Page

• Leave a Podcast Review

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Michael Lacy is the voice behind the award-nominated podcast Winning to Wealth where he shares inspiring interviews designed to help millennials grow their net worth by paying off debt, increasing their income, and make wise investment choices. 

Michael and his wife, Taylor, paid off $61,000 worth of debt in 16 months and are now on track to reach early retirement by age 40. His work in personal finance has been seen in major publications like Forbes and CNBC. Instagram | Blog | Podcast | YouTube

Sami Womack is the brains behind A Sunny Side Up Life. Her weekly chart-topping podcast has been downloaded over 100,000 times. When she’s not downing caramel coffee and rocking a little girl on her hip (literally), she’s creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life.

She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family’s finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born.

Today, Sami owns this business helping women get through dark times and experience the life-altering magic of intentional living.

She offers a jump start into money mindset with the FREE Magic + Money Course + a full budgeting experience with Your Sunny Money Method.

I see you -- working, virtual learning, cleaning, cooking, and being a human being with her own list of needs.

In this episode, I’m sharing a love note of encouragement and actionable tips for all of my ladies out there trying to do ALL THE THINGS during COVID-19 and 2020 in general.

• Encouragement for the mom who is doing all the things during covid19

• Advice for working-from-home, virtual learning, and household duties

• Tips on time management + boundaries

• Why weekend + bedtime resets will make a world of difference

• How to purge your to-do list

• Why you can't do it all and do it well

• Why self-care is a must

• How to give yourself some grace

• [YouTube Video] Mom Bedtime Clean Up Routine

• [Podcast] EP. 43 How My Fresh Start Weekends Prepare Me For The Week Ahead

• [Instagram Post] Index card to-do list

• [YouTube Playlist] On Staying Motivated

• Follow me on Instagram

• —> Sami’s YouTube Channel