There's a budget running your life right now that you never agreed to.

It's not on a spreadsheet. It's not in your banking app. It's hiding somewhere you'd never think to look, and it's been making decisions for you longer than you realize.

In this episode of Own Your Luxe, Erica Rawls names the most expensive habit ambitious women have. The kind of spending that has nothing to do with the thing you bought, and everything to do with the quiet fear of being the one who can't keep up.

This one's going to sting a little. In the best way.

About Coffee With E: Coffee With E is the podcast for ambitious women who want to live the life they truly want and afford it without the guilt. Hosted by Erica Rawls, real estate Associate Broker, investor, and founder of the Financial Wholeness platform, every episode blends rich auntie energy with real strategy so you can own your luxe on your own terms.

Connect with Erica: Instagram, TikTok, Facebook, Threads, LinkedIn: @erica.rawls Website: ericarawls.com

📖 Own Your Luxe Without the Guilt is on the way. DM LUXE BOOK on Instagram @erica.rawls to get on the early list.

New episodes drop weekly. Follow the show so you never miss one.

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A lot of women feel unsure, overwhelmed, or even left out when it comes to money conversations… but that has to change.

In this episode, we’re having a real, honest conversation about why women NEED to take an active role in their finances whether you're starting from scratch, relying on a partner, or suddenly responsible for managing money on your own.

We talk about what happens when you inherit money but don’t know what to do, why speaking up in financial meetings matters, and how to confidently take control of your financial future even if you feel like you “don’t understand anything.”

This isn’t just about investing… it’s about having a voice, building confidence, and making sure your future is protected.

⏱ What You’ll Learn in This Video
 ✅ Why women must be involved in financial decisions
 ✅ What to do if you don’t understand your investments
 ✅ How to start investing even if you feel overwhelmed
 ✅ The importance of speaking up in financial planning meetings
 ✅ What happens when you inherit money without a plan
 ✅ Why risk tolerance is different for everyone (and that’s okay)
 ✅ Common financial mistakes people make (and how to avoid them)
 ✅ Why asking for help is one of the smartest money moves

💡 Key Takeaway
 You don’t have to know everything to start… but you DO have to start.
 Your voice matters. Your money matters. Your future depends on it.

🎙 Featured Guests

Dr. Constance Craig-Mason, MRFC®, NSSA® CEO, Concierge Financial Advisory | Founder, Money Talks Movement 

🌐 https://www.conciergefg.com/
/ ccraigmason  

Laura Pesek, CFP®, CLU, ChFC Certified Financial Planner & Fiduciary 

🌐 https://rosefinancialassociates.com/
/ laura-pesek-cfp%c2%ae-clu-chfc-a8b76517  

🖤 Join the Luxie Community 
▶ Subscribe:    / @erica_rawls   
📲 Instagram:   / erica.rawls  

🎙 Listen on Spotify / Apple Podcasts: https://open.spotify.com/show/69pekqC... https://podcasts.apple.com/us/podcast...

📖 Own Your Luxe Without The Guilt — coming soon

Send us Fan Mail

Follow Us for More Inspiration:

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📧 For inquiries and collaborations: [email protected]

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You’ve built your emergency fund… now what? 

If you’re ready to start investing but feel overwhelmed by choices like index funds, Roth IRAs, 401(k)s, and taxes, this episode breaks it all down in a simple, practical way.

In this conversation, we go beyond basic budgeting and dive into how to actually grow your money, build long-term wealth, and make smarter financial decisions based on your goals, values, and lifestyle.

You’ll learn why diversification matters, how index funds reduce risk, and how to think about investing in a way that aligns with both your financial future AND personal values.

⏱ What You’ll Learn in This Video
✅ What to do after building your emergency fund
 ✅ Why index funds are one of the best beginner investments
 ✅ The importance of diversification (don’t put all your eggs in one basket)
 ✅ How to choose investments based on your risk tolerance & goals
 ✅ The truth about 401(k)s, taxes, and retirement withdrawals
 ✅ Why a Roth IRA can be a powerful wealth-building tool
 ✅ How taxes impact your long-term investment strategy
 ✅ The role of insurance (life & disability) in protecting your finances
 ✅ Why investing should align with your values, not just numbers

💡 Key Takeaway
Saving money creates stability… but investing is what creates freedom.
Your savings account protects you, your investments build the life you actually want.

🎙 Featured Guests
Dr. Constance Craig-Mason, MRFC®, NSSA® CEO, Concierge Financial Advisory | Founder, Money Talks Movement 
🌐 https://www.conciergefg.com/
  / ccraigmason  

Laura Pesek, CFP®, CLU, ChFC Certified Financial Planner & Fiduciary 
🌐 https://rosefinancialassociates.com/
  / laura-pesek-cfp%c2%ae-clu-chfc-a8b76517  

🖤 Join the Luxie Community 
▶ Subscribe:    / @erica_rawls   
📲 Instagram:   / erica.rawls  

🎙 Listen on Spotify / Apple Podcasts: https://open.spotify.com/show/69pekqC... 
https://podcasts.apple.com/us/podcast...

📖 Own Your Luxe Without The Guilt — coming soon
If this video helped you, share it with someone who’s ready to start investing smarter 💬

Send us Fan Mail

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✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes! 

Confused about where to start with your money? You’re not alone. Whether you’re just starting your career or trying to get your finances back on track, budgeting doesn't have to be overwhelming, it just needs structure.

In this episode, we break down exactly how to set up a budget that works for YOUR reality, not a textbook. We’re deep-diving into the 50/30/20 rule, why an emergency fund is your greatest financial safety net, and how to start small to create big, compounding changes in your financial future.

⏱ What's Covered in This Clip

✅ The 50/30/20 budget breakdown (and how to adjust it for your reality)

✅ Why "getting started" is more important than being perfect

✅ The difference between saving 6 months of salary vs. 6 months of expenses

✅ Why an emergency fund is the ultimate key to career flexibility

✅ Simple steps to start compounding your wealth today

🎙 Featured Guests

Dr. Constance Craig-Mason, MRFC®, NSSA® CEO, Concierge Financial Advisory | Founder, Money Talks Movement 

🌐 https://www.conciergefg.com/

  / ccraigmason  

Laura Pesek, CFP®, CLU, ChFC Certified Financial Planner & Fiduciary 

🌐 https://rosefinancialassociates.com/

  / laura-pesek-cfp%c2%ae-clu-chfc-a8b76517  

🖤 Join the Luxie Community 

▶ Subscribe:    / @erica_rawls   

📲 Instagram:   / erica.rawls  

🎙 Listen on Spotify / Apple Podcasts:

Send us Fan Mail

Follow Us for More Inspiration:

📸 Instagram: @erica.rawls
🎥 YouTube: Erica Rawls
📧 For inquiries and collaborations: [email protected]

✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes! 

Still paying minimums and wondering if you'll ever actually get out? You're not alone and you're not stuck. You just need a plan that actually fits how YOU are wired.

In this clip from our full episode, Dr. Constance Craig-Mason, MRFC®, NSSA® and Laura Pesek, CFP®, CLU, ChFC break down exactly how to start getting out of debt, without the shame, without the overwhelm, and without giving up the things that make life worth living.

⏱ What's Covered in This Clip
✅ Why managing your debt comes before paying it off
✅ Debt snowball vs. avalanche: what's the difference 
✅ How to choose the method that keeps YOU consistent  
✅ Why you should keep credit cards open even after paying them off 
✅ Who this conversation is (and isn't) for 
✅ When to call a debt counseling service instead

💡 Key Takeaways
→ Before you focus on paying off debt, make sure you can manage it — no overdrafts, no missed minimums, money coming in exceeding money going out 
→ Debt snowball = pay off smallest balances first for quick wins and confidence
→ Debt avalanche = pay off highest interest first to save more money long term 
→ The best method is the one you will actually stick to 
→ Paying off a card does NOT mean you should close it — open lines of credit make up 10% of your credit score 
→ This conversation is for people who have the income to pay their debt but need a strategy — if your debt exceeds your income, start with a debt counseling service

💬 Memorable Moments
"Debt-free, debt-free, manage it first."
"You already proved to yourself that you could do it. And you proved to the lender that you could do it."
"Don't go spending more, take that and be like, I did the work and they're incentivizing me by increasing my limits."

🎙 Featured Guests
Dr. Constance Craig-Mason, MRFC®, NSSA® CEO, Concierge Financial Advisory | Founder, Money Talks Movement 
🌐 https://www.conciergefg.com/
https://www.linkedin.com/in/ccraigmason/

Laura Pesek, CFP®, CLU, ChFC Certified Financial Planner & Fiduciary 
🌐 https://rosefinancialassociates.com/
https://www.linkedin.com/in/laura-pesek-cfp%C2%AE-clu-chfc-a8b76517/


📌 Resources
Debt Snowball vs. Avalanche — talk to a certified financial planner to find out which is right for your situation
Need deeper help? Search for a nonprofit debt counseling service in your area

📖 Article recommended by Dr. Craig-Mason: "The Art of Quiet Luxury" → https://vegoutmag.com/lifestyle/gen-bt-the-art-of-quiet-luxury-9-things-genuinely-wealthy-people-invest-in-that-middle-class-families-overlook-completely/

🏡 Work With Erica Looking to buy or sell real estate in Central PA? I'm an Associate Broker at Keller Williams and I'd love to help. 
👉 sellingcentralpahomes.com

🖤 Join the Luxie Community 
▶ Subscribe: https://www.youtube.com/@UCNTz8DpjFO91qzxmU3FlcZQ 
📲 Instagram: https://www.instagram.com/erica.rawls/
🎙 Listen on Spotify / Apple Podcasts: https://open.spotify.com/show/69pekqCSSNp3lgsoUuLF2v 
https://podcasts.apple.com/us/podcast/coffee-with-e/id1749880909
📖 Own Your Luxe Without The Guilt — coming soon

If this clip helped you, share it with someone who needs a debt plan that actually works for them. That's how we grow this community.
#CoffeeWithE #OwnYourLuxe #FinancialWholeness #DebtFreeJourney #PersonalFinance

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You ever look at your deposits, your commissions, or your “good on paper” numbers and still feel like you cannot breathe? That tension is the heart of this conversation with Dr. Constance Craig-Mason, MRFC®, NSSA®, CEO of Concierge Financial Advisory and founder of Money Talks Movement, and Laura Pesek, CFP®, CLU, ChFC, a certified financial planner and fiduciary who has guided families for decades. We get honest about why success can still feel hard and how money mindset, financial trauma, and the words we repeat to ourselves can quietly shape what we save, spend, and avoid.

We move from emotions to strategy: how to replace avoidance with clarity, why we prefer a spending plan over a strict budget, and how a personal allowance can stop the “I deserve it” spiral without killing your joy. We also talk about the kind of “struggle” high earners rarely admit out loud, the permission many people need to actually enjoy their money, and how childhood money stories can echo into adulthood through fear, guilt, and over-control.

Then we get practical: debt snowball vs debt avalanche, the 50-30-20 framework, building an emergency fund based on six months of expenses, and why diversified index investing can help you grow without putting all your eggs in one basket. Laura adds the tax reality behind retirement accounts, plus the protection side entrepreneurs forget, like life insurance and disability coverage. We close with a direct push for women to speak up in financial meetings, claim a real voice at the table, and make choices your future self will thank you for.

If this hit home, subscribe, share it with a friend who “makes good money but still feels stuck,” and leave a review with the biggest mindset shift you are taking into your next money move.

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Your friends may not control your money but they absolutely influence it.

In this episode, we break down how social pressure, group chats, and unspoken expectations can quietly drain your finances. Learn how to set boundaries, say no without guilt, and build a lifestyle that aligns with your financial goals.

If you’ve ever felt pressure to spend just to belong, this is for you. It’s time to stop performing and start protecting your future.

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In this episode of Coffee with E, Erika Rawls breaks down why waiting isn’t losing, it’s the key to building real wealth and financial peace. Learn how delayed gratification, financial discipline, and self-trust can help you stop overspending, avoid debt, and create the lifestyle you actually want. 

This episode introduces the “Luxe Pause” method to help you rethink purchases, build patience, and make smarter money decisions. If you’re tired of chasing appearances and ready to build real financial freedom, this is for you.

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Debt is not a personality trait, it’s a season.

In this video, Erica shares the real reason many people stay stuck in debt: avoidance. She explains how she nearly filed bankruptcy before realizing that debt is simply math, and the real solution is structure, awareness, and consistent financial habits.

You’ll learn practical strategies to take control of your finances including the 48-hour rule for impulse spending, identifying hidden spending leaks, and how to use the Debt Snowball and Debt Avalanche methods to pay off debt faster.

Erica also breaks down the critical difference between credit card due dates and statement dates, a simple trick that can help you save money on interest and improve your credit score.

If you’re tired of feeling overwhelmed by your finances and want to build a life you can truly afford, this video will help you create the structure and mindset needed to move forward.

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📸 Instagram: @erica.rawls
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In this episode, we talk about how something as simple as press‑on nails can reveal a powerful financial lesson. Candice breaks down how she gets salon‑quality nails that would normally cost $200+ for only about $7 and shows exactly how to apply them so they actually last.

But this conversation goes deeper than beauty. We talk about impulsive spending, learning to pause before buying, and how small decisions can help you save more money and build better financial habits.

You’ll also hear about multiple streams of income, side hustles, investing, day trading, and the importance of financial education for building generational wealth. If you want practical ways to save money while still enjoying life, this episode will give you both the mindset and the method.

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Follow Us for More Inspiration:

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