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, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode!

Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Let Raya create your custom budget plan

Learn about Raya's Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

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, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode!

Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Get Ashley's Book: The Joy of the In-Between

Learn about Raya's Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

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, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode!

Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Latasha on Instagram

Check out Latasha's website

Learn about Raya's Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

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, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode!

Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Learn about Raya's Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Holiday spending doesn't have to derail your budget or financial goals.

Every year, Americans overspend by thousands during the holiday season, but with proper holiday budget planning and money management strategies, you can enjoy the festivities while staying financially on track.

One thing about the holidays is that they come around the same time every year.

In spite of that fact, is it just me or does the time in between holiday seasons seem to go faster as we get older?

I understand Christmas comes around every 365 days, but every year I almost feel caught off guard.

If you're in that hole with me, I'm happy to share that there are things we can do to make finances as smooth as possible during the holiday season.

In this episode, I'm sharing a few ways you can set your finances up for success when we're in the thick of the holiday season.

You don't need a full year to plan, stick to these tips and you'll feel financially peaceful getting through another holiday season!

🎄 Holiday financial strategies you'll learn from this episode:

• Emergency holiday budget planning (even last-minute!)
• Creative gift-giving ideas that save money without sacrificing thoughtfulness
• How to navigate Black Friday and holiday sales without overspending
• The 24-hour rule for avoiding impulse purchases
• Setting spending limits that protect your financial goals

Whether you're reading this in October or December, it's never too late to take control of your holiday spending. These proven strategies will help you enjoy the season without the January financial hangover that affects millions of families each year.

Don't let another holiday season leave you stressed about money - implement these tips starting today!

Here's a glance at this episode:

• [01:35] Holiday Overspending Story: Pre-City Girl Savings, Raya would constantly overspend on holiday gifts for herself and others. A savings challenge changed everything.
• [04:24] Last-Minute Holiday Budget: It's never too late to create your holiday budget. If the timeline is tight, you can still be intentional with holiday budget planning.
• [09:36] Budget-Friendly Gift Ideas: Get creative with gift-giving! It's not always about spending money. Thoughtful doesn't always mean expensive, as Raya has learned.
• [13:37] Holiday Sales Strategy: If you're not planning on spending any money during sales, then when you do participate in sales, you're spending 100% more than you should.
• [17:02] Impulse Purchase Prevention: No one is saying you can't purchase the things you want or need. However, give yourself 24 hours to confirm you actually want the item you're impulsively buying.

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, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode!

Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode #45 – How to Prep Your Budget for the Holidays

Learn about Raya's Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Celebrating 200 episodes of personal finance education and money management tips!

Since launching in January 2022, the City Girl Savings Podcast has helped thousands of women improve their financial literacy and build wealth.

Wow. Time flies!

Back in November 2023, the City Girl Savings Podcast had reached 100 episodes and I couldn't quite believe it.

Fast forward to now and I'm still in awe of how far we've come, but also how quickly time seems to move.

Not to get on my soapbox, but if there's a goal, investment, purchase or dream you've been putting off, TAKE ACTION NOW!

Time will only keep going and you'll regret constantly pushing out the things that really matter to you. I launched this podcast in January of 2022 and I'm so glad I did.

It's been such a wonderful journey and experience and knowing that people are encouraged and motivated from these episodes makes it all worth it.

To celebrate 200 episodes of the City Girl Savings Podcast, I'm sharing my 10 all-time favorite episodes.

These top 10 City Girl Savings Podcast episodes featured:

• Mindset shift strategies from overspending to saving
• Investment advice and building wealth for beginners
• Financial confidence and money management psychology
• Setting financial boundaries and eliminating money anxiety
• Business lessons and entrepreneurship insights
• Daily habits for financial success and productivity

After 200 episodes covering everything from budgeting basics to advanced investment strategies, these 10 episodes represent the most transformative money lessons for building lasting wealth and financial freedom.

Here's a glance at this episode:

• [02:42] Money Mindset Transformation: Making the Mindset Shift from Spender to Saver made this list due to the true mindset shift that needs to happen to take someone from an overspender to an avid saver.
• [06:45] Investing in Financial Education: Do you struggle with investing in yourself to improve? Why You Need to Pay to Get Better with Money helps shift that mindset.
• [10:28] 10 Years of Business Lessons: Hear all Raya has learned after 10 years in business with a celebration of City Girl Savings reaching a decade.
• [14:27] Financial Confidence Building: Being a better steward of money has increased Raya's self-confidence tenfold and she shares just how in this episode.
• [17:00] Financial Boundaries That Work: Give yourself money to enjoy life with. This can be a financial boundary you set that ends up being a helpful tool.

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, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode!

Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode #149: Making the Mindset Shift from Spender to Saver

Listen to Episode #3: Breaking Through the Stigma of Budgeting

Listen to Episode #84: Why You Need to Pay to Get Better with Money

Listen to Episode #159: 10 Years in Business: Growth, Lessons and More

Listen to Episode #164: Plan, Prepare and Organize Your Finances with Alaina Fingal

Listen to Episode #58: My Daily Morning Routine for Boosting Productivity

Listen to Episode #141: How Managing My Money Has Boosted My Confidence

Listen to Episode #62: 9 Ways to Manifest More Money Into Your Life

Listen to Episode #182: 6 Ways to Set Financial Boundaries and Stick to Them

Listen to Episode #178: Finding Peace in Your Finances: 5 Steps to Eliminate Money Anxiety

Learn about Raya's Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

When it comes to personal finance and wealth building, no one is coming to save us.

Women need to take ownership of their financial planning and money management to build long-term wealth.

Women need to (and should want to) take ownership for their financial situations and seek out ways to level up their finances.

The cost of living and everything that comes with it will only continue to rise. Instead of being left behind on the wealth-building train, let's get into the mindset needed to obtain true time and money freedom.

When it comes to money, there's so much more than simply knowing what to do with it.

That's why I'm so excited to talk with Certified Financial Planner Shannon Ryan today.

Shannon has over 30 years of experience guiding women, individuals and families through the emotional side of money.

The side that doesn't get as much conversation as it needs. Get ready to feel empowered and encouraged to take responsibility for your financial life!

What you'll learn from this episode:

• Why the emotional side of money matters more than financial tactics
• Practical steps to overcome financial avoidance and take control
• How to identify and break destructive money patterns
• Essential wealth-building strategies for long-term financial freedom

Here's a glance at this episode:

• [02:55] Financial Psychology & Money Mindset: Shannon's dad was the one who planted seeds in Shannon to understand the emotional side of money. It changed everything for her.
• [11:15] Breaking Money Patterns: We get into these patterns of telling ourselves things that aren't true – especially with money. We let society dictate what we want.
• [21:40] Overcoming Financial Anxiety: Afraid of what you're going to find when you look into your finances? Shannon shares how women can take a stance of empowerment instead of avoidance.
• [32:07] Budgeting Reality Check: If you have more going out than coming in, you're spending beyond your means. It doesn't feel good but downsizing your life may be a requirement.
• [45:45] Retirement Planning Basics: If you ever want to have the option not to work for money, you have to live off your assets, and this is where retirement planning comes in.

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, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode!

Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Shannon on Instagram

Grab Shannon's Book: Your Money Has Feelings

Learn about Raya's Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Just like our bodies need fuel to thrive, our mindsets need the right inputs to grow, especially when it comes to money.

Feeding your money mindset with proper fuel allows you to expand your thought process, seek out solutions to your money problems, and put things in place to help improve your financial situation.

In this episode, I'm walking you through 7 powerful ways to fuel your money mindset so you can stay motivated, empowered, and on track with your goals.

The more you feed your money mindset, the better your financial life becomes. And yes, I'm speaking from experience!

Here's a glance at this episode:

• [01:40] What is a money mindset? Raya shares that your money mindset is a collection of beliefs, thoughts and emotions you have around money.
• [04:08] You can know how to budget, save and invest, but if your mindset is stuck in scarcity or fear, you may struggle to take action.
• [07:26] When you're around others that are goal-driven, it's much easier to stay inspired and focused on your own goals.
• [11:44] When you invest in yourself, you are telling your future self that she's worth it! That creates a mindset rooted in abundance and belief.
• [13:53] Limit your exposure to things that impact your positivity. Protect your peace and keep your mindset in a positive place.

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, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode!

Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode #74 – My Favorite Affirmations for Money, Happiness, and More

Learn about Raya's Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

What if the only thing standing between you and success is what you believe about yourself?

Wouldn't you shift that belief so that you and success were no longer separated?

Of course you would! I know I would!

Here's a hard truth: there are self-imposed beliefs that are keeping you from success. These limiting beliefs are holding you back from the things that can bring you the most joy.

In this episode, I'm sharing 5 ways to shift your limiting beliefs and why your future self's happiness relies on it.

Here's a glance at this episode:

• [01:30] Raya breaks down what limiting beliefs are. They are negative thoughts we have that are untrue, but we believe them to be true.
• [05:08] Identifying the thoughts that are posing as untrue beliefs is the first step to shifting your mind to reach success.
• [09:10] Especially in the beginning, it's going to take time to reframe your state of mind. It will be worth the work and get easier over time.
• [12:41] Audit your environment. Make sure the people and things you surround yourself with aren't reinforcing your limiting beliefs.
• [15:32] Raya shares a few examples of small actions that can be implemented to prove a limiting belief wrong.

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, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode!

Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Free 5-Day Money Mindset & Manifestation Challenge

Learn about Raya's Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

There is so much information out there, and sometimes, you have to be willing to seek it.

When it comes to my life and money, I'm always seeking out education or insight to help me level up.

I don't believe in staying stagnant and there's always someone or something that can help me expand my mindset to continue growing.

I've read thousands of books in my lifetime, and there are always some that completely change my world.

In this episode, I'm sharing 10 book recommendations that have helped me level up personally and financially. These books will no doubt play a role in leveling up your life and money, just like they did for me.

Here's a glance at this episode:

• [01:50] The first book Raya recommends is Think and Grow Rich by Napoleon Hill. Raya shares how she wished she read this book sooner, but timing was everything.
• [05:40] The principles shared in The Richest Man in Babylon provide a great financial starting point for anyone looking to understand money.
• [09:20] After Raya's father passed away, The Power of Now helped her see the beauty in the present, regardless of the grief she felt.
• [13:00] Embracing uncertainty with faith and grace isn't easy to do, especially if goals aren't achieved. The Joy of the In-Between helps.
• [16:10] Building strong habits starts with small, consistent actions. Atomic Habits brings to light the importance of slow and steady when growing.

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, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode!

Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Think and Grow Rich by Napoleon Hill

The Subtle Art of Not Giving a F*ck by Mark Manson

The Richest Man in Babylon by George Clason

The Gap and The Gain by Dan Sullivan and Benjamin Hardy

The Power of Now by Eckhart Tolle

Live It, Love It, Earn It by Marianna Olszewski

The Joy of the In-Between by Ashley Hetherington

Profit First by Mike Michalowicz

Atomic Habits by James Clear

The 12 Week Year by Brian Moran

Learn about Raya's Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!