EmpowerYou Financial

Whether you learned to do so or not, you would have a hard time putting away enough money to grow your wealth without establishing a budget. A budget, or 'spending plan' as Eva likes to call it, is just the process of creating a plan that allows you to determine in advance whether you will have enough money to do the things you need to do or would like to do. Truth be told, we all budget, some of us are just more intentional about it than others. Listen in as Eva shares her expert tips on creating a budget and how this plan has helped her grow her personal wealth...

When do you start talking to your kids about money? Where do you begin and what things should you share or not share? Those are the questions on the minds of a lot of parents, especially those parents that were not raised with a healthy financial education themselves. Listen as Eva shares her approach to raising money smart kids and what she advises other parents do to educate their children... 

Buying a car can be a fairly detailed process. But at its core, it involves identifying the car you want, securing financing, negotiating a price, and closing the deal by signing the paperwork. With that said, there is still so much to consider when purchasing a vehicle. Should you lease, finance, or pay cash? Every decision has it's own pros and cons, so how do you know which option is best for you? Well, it depends on a few things -- namely your credit. Listen to this episode to see if you can relate to our experiences!

Credit impacts everything you do nowadays -- from purchasing the things we want and need like cars, homes, and furniture to applying for jobs. In many ways it is an inescapable measurement that we all at some point in our lives will be judged by. So the question is, since credit matters so much, how do we use credit to our advantages? And, what is life like when we are using credit poorly or not using it at all?

The road to home ownership has a lot of ups and downs. Questions like when and where to buy loom large as well as questions around how to even qualify for a home loan. Listen in as Eva shares her journey and the real-life sacrifices she made to save 20% down on her first home almost 20 years ago. She also shares the reasons why she continued to invest in real estate -- eventually purchasing multiple homes and investment properties.

This is the first official episode of EmpowerYou Financial with Eva Palacios! We are super excited to get this podcast started and we look forward to providing great content for our listeners! In this episode, we learn about Eva's backstory and what experiences have made her into the personal finance expert that she is today. This is just the beginning... Enjoy!