Dave Ramsey would clutch his pearls at this one.

You do not have to be 100% debt-free before you start investing. In this episode I'm breaking down the actual math behind why "debt first, before everything else" can cost you more than it saves you. And I'm sharing my personal story of the two years I spent stuck in exactly that cycle.

I'm covering:

✅ Why the "debt-free first" approach nearly kept us in debt longer (and nearly cost my marriage) ✅ The real math: how an extra $25/month can save you 30 months and $3,000+ in interest ✅ Why compound interest doesn't wait for your debt to be paid off ✅ The exact 5-step split I coach clients through to do both at the same time ✅ How we went from $90k in debt to over $200k in savings and investments without choosing one over the other

If you've ever felt stuck between "pay off debt" and "start investing," this episode is for you.

Want help talking out your actual split?

I'm offering free 1:1 calls right now where we look at your real life situation to see the best place for you to start. DM me the word START on Instagram or TikTok and let's get you on the calendar.

Instagram: @mymoneycoachbecca TikTok: @themoneygirlsofficial

Let's build some wealth. 💰

"I'll start paying myself consistently once my income is more consistent."

I hear this all the time, and I want you to know your income probably isn't going to become consistent first. Waiting for that is costing you so more than you think.

In this episode I'm breaking down the exact system I use with my clients to help them pay themselves the same amount, on the same day, every single month (regardless of whether the business had a $4k month or a $30k month.)

I'm covering:

✅ Why "paying yourself whatever's left" is not a paycheck ✅ The buffer account that has to exist BEFORE your paycheck does ✅ How to calculate your real, sustainable paycheck number (hint: it's not your best month) ✅ How to automate payday so you stop "checking in" to see if you're allowed to get paid ✅ Why consistent pay is the thing that actually keeps you sane as a business owner

If you've ever had a great month followed by a panic-inducing slow one, this episode is for you.

Want help building this for your actual business? I'm offering free 1:1 calls right now where we look at your real situation together and figure out exactly what a consistent paycheck looks like for you starting now, not "someday."

DM me the word START on Instagram or TikTok and let's get you on the calendar.

Follow along for more: 📱 Instagram: @mymoneycoachbecca. <-----NEW IG ACCOUNT. My old account was taken down by Meta! 🎵 TikTok: @themoneygirlsofficial

I turned 41 this year, and instead of giving you 41 money lessons I'm giving you the 10 most impactful lesson I've learned about money. Some of these I learned the easy way. Most of them I learned the hard way … including one very embarrassing lesson about a "loser boyfriend" and credit card debt. 😂

In this episode I'm covering:

✅ Why looking at your money every day is the real self-care ✅ Why I pay myself like an employee, not with "whatever's left" ✅ The 3-bucket system I run for every single dollar ✅ Why I started investing before I felt ready ✅ Why there's no such thing as "the last best deal" ✅ And 5 more habits that took me from $90k in debt to over $200k in savings and investments

If you're in your 20s or 30s and want to skip the decade it took me to learn this, this episode is for you. If you're in your 40s, 50s or 60s and feel like you're too old to start. You're NOT!

Follow along for more: 📱 Instagram: @themoneygirlsofficial 🎵 TikTok: @themoneygirlsofficial

Free resources mentioned in this episode:

☎️ Free 1:1 Call want to talk through what applying any of these habits could look like for you? DM me "START" on Instagram or TikTok and let's find time to chat. No pressure, no pitch.

Let's build some wealth. 💰

You had a really good month. And two weeks later... you have no idea where the money went.

Sound familiar? I got you.

In this episode I'm breaking down the exact 3-Bucket System I use (and teach every single one of my clients) for every dollar that comes into my account. This is the system that took my husband and I from $90,000 in debt to over $200,000 in savings and investments, without pausing our whole life to get there.

I'm sharing:

✅ The story of the moment I realized my money mindset had gone off the deep end ✅ Why "make more money" is almost never the actual fix ✅ The exact 3 buckets every dollar needs a job in: Necessities, Wealth Building, and Lifestyle ✅ The step-by-step way to actually set this up for yourself, starting today ✅ Why building wealth should NEVER mean sacrificing the life you've already built

If you've ever felt like you make good money but somehow still feel behind, this episode is for you.

Follow along for more: 📱 Instagram: @themoneygirlsofficial 🎵 TikTok: @themoneygirlsofficial

Free resources mentioned in this episode:

📄 The Business Owner Wealth Guide: my free step-by-step guide walking you through the 6-step wealth plan I used to go from $90k of debt to debt-free AND over $200k in savings + investments. Grab it here.

☎️ Free 1:1 Call: if you want to talk through what building your own 3-bucket system could actually look like for your business, I'd love to hop on a call with you. We'll have a real conversation about your money without the pressure or pitching. Schedule yours here

I got you. Let's build some wealth. 💰

If you've ever had a home repair quote or a large unexpected expense that was like a gut punch... and you didn't know how you were going to pay for it, this episode will help you. Becca goes into detail on how she and her husband worked through payment options for a $38,000 home repair the week before they left for vacation. And you can use these exact steps to work through your next large purchase also.

👉 Follow @themoneygirlsofficial on IG

👉 Follow @themoneygirlsofficial on TikTok

Join The Money Girls Membership where we in 30 days, you'll know exactly where every dollar of your business money is going, what to pay yourself, how to use that money to build wealth and how to automate it so you know you're building wealth no matter what.

Drop any questions you have about money on either platform and I'll feature your question on a podcast episode.

Becca is coming in with a message for the women whose businesses are thriving and making more money than ever... and yet you feel the least successful and like there is never enough money. This episode is about how your personal spending and finance habits are spilling over into your business and making your business harder.

👉 Follow @themoneygirlsofficial on IG

👉 Follow @themoneygirlsofficial on TikTok

Join The Money Girls Membership where we in 30 days, you'll know exactly where every dollar of your business money is going, what to pay yourself, how to use that money to build wealth and how to automate it so you know you're building wealth no matter what.

Drop any questions you have about money on either platform and I'll feature your question on a podcast episode.

Becca breaks down where to put your money depending on the timeline of when you need the money, the purpose of the money and what step of the wealth building process you're in.

👉 Follow @themoneygirlsofficial on IG

👉 Follow @themoneygirlsofficial on TikTok

Join The Money Girls Membership where we in 30 days, you'll know exactly where every dollar of your business money is going, what to pay yourself, how to use that money to build wealth and how to automate it so you know you're building wealth no matter what.

Drop any questions you have about money on either platform and I'll feature your question on a podcast episode.

This is my girl-to-girl pep talk for you about your money. If you feel like you're tired of the financial chaos you've created, this is for you. If you know someone who needs this episode, please share it with them!

👉 Follow @themoneygirlsofficial on IG

👉 Follow @themoneygirlsofficial on TikTok

Join The Money Girls Membership where we use the money you're making in your business to provide the lifestyle and the wealth you've been wanting.

Drop any questions you have about money on either platform and I'll feature your question on a podcast episode.

Before the kids are out for the summer and you're trying to balance working with your kids at home, listen to this episode.

Becca talks about how to evaluate whether your business is funding the life you want OR is running your life without you knowing it. Working hard to build a business you love and that provides for you is one thing. Letting it take over your whole life and taking away from your personal life is quite another!

👉 Follow @themoneygirlsofficial on IG

👉 Follow @themoneygirlsofficial on TikTok

Join The Money Girls Membership where we go deep into how much your business needs to be making in order for you to pay yourself consistently and start to build wealth.

Drop any questions you have about money on either platform and I'll feature your question on a podcast episode.

If you want to use your business to build wealth like the 80-91% of millionaire business owners, this episode is for you.

Becca breaks down how she sees business owners using their money, what rich vs. wealthy looks like, and what to do with your money today to start build wealth for yourself long term!

👉 Follow @themoneygirlsofficial on IG

👉 Follow @themoneygirlsofficial on TikTok

Join The Money Girls Membership where we go deep into money mindset AND how to build your wealth!

Drop any questions you have about money on either platform and I'll feature your question on a podcast episode.