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Wondering whether you should pay off debt first or start investing? You’re not alone — this is one of the most common (and confusing!) questions in personal finance. In this episode of Money Reset, Budget Babe shares a simple, practical framework to help you confidently decide what’s right for you, based on your debt interest rates, goals, and timeline.

You’ll learn:
 ✅ A clear rule of thumb for deciding whether to pay debt or invest
 ✅ Real-life examples of people who made smart choices in different situations
 ✅ A step-by-step plan to balance debt payoff and investing
 ✅ Mindset shifts to keep you motivated and moving forward

By the end, you’ll know exactly how to make your extra money work harder — without second-guessing your plan.

🎧 Tune in now and take the guesswork out of one of the biggest decisions on your financial journey!

And don’t miss next week’s episode: Money Mindset Shifts That Change Everything — where we’ll cover powerful mindset changes to help you hit your goals faster and feel more confident along the way.

✨ Ready to take your financial reset even further? Join The Budget Babe’s newsletter to get free resources like the Roth IRA checklist, personalized projections, and weekly money tips delivered straight to your inbox.

Whether you’re new to investing or just want to make sure you’re on track, this episode will empower you to take action and set yourself up for financial freedom.

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Ready to unlock one of the most powerful tools in personal finance? In this episode of Money Reset, Budget Babe breaks down the magic of compound interest — what it really is, why time matters so much, and how to put it to work no matter when you start.

You’ll hear real-life examples of how starting just 10 years earlier can mean hundreds of thousands more in your future, practical tips to harness compound growth, and an inspiring story that proves it’s never too late to begin.

Whether you’re saving for retirement, a big dream, or just want to get your money working harder, this episode will help you see why compound interest is your best friend — and why today is always the second-best time to start.

👉 Stick around until the end for next week’s episode teaser: Should You Pay Off Debt or Invest? A Simple Framework — don’t miss it!

✨ Ready to take your financial reset even further? Join The Budget Babe’s newsletter to get free resources like the Roth IRA checklist, personalized projections, and weekly money tips delivered straight to your inbox.

Whether you’re new to investing or just want to make sure you’re on track, this episode will empower you to take action and set yourself up for financial freedom.

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Ever feel like you’re putting in the work to save, but your progress is crawling? You’re not alone — and you’re not failing. In this week’s Money Monday episode of Money Reset, Budget Babe shares exactly why saving feels slow at first, and what you can do to stay excited when your goals seem far away.

You’ll learn:
 ✅ Why it’s normal for early progress to feel painfully slow — and why that’s okay
 ✅ Motivation hacks like naming your savings account, milestone charts, and gamifying your savings
 ✅ Tiny celebrations that keep you pumped up without wrecking your budget
 ✅ Mindset shifts to stay positive and focused for the long haul
 ✅ Real listener stories of creative ways people kept their savings momentum going

This episode is your pep talk to stay excited about your journey — because every dollar you save is a step closer to freedom.

Don’t miss next week’s Money Monday, where we’ll unpack The Basics of Compound Interest: How to Make Time Work for You, so you can make your money grow faster than you ever thought possible.

✨ Ready to take your financial reset even further? Join The Budget Babe’s newsletter to get free resources like the Roth IRA checklist, personalized projections, and weekly money tips delivered straight to your inbox.

Whether you’re new to investing or just want to make sure you’re on track, this episode will empower you to take action and set yourself up for financial freedom.

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Do you ever feel alone on your financial journey — like your friends and family just don’t get why you’re focused on saving, paying off debt, or building wealth? In this Money Monday episode of Money Reset, Budget Babe shares how to build a support system that respects your money goals instead of undermining them.

You’ll learn:
 ✅ Why your social circle can make or break your financial progress
 ✅ How to find or create a community of people who cheer you on
 ✅ Scripts to handle tricky situations like group trips or dinner bills
 ✅ How to spot red flags in friendships that might sabotage your budget
 ✅ Real stories of listeners who found the support they needed to stick with their goals

Don’t miss this episode if you want to feel less alone — and more empowered — on your path to financial freedom.

Subscribe now so you don’t miss next week’s Money Monday: How to Stay Excited About Saving When Progress Feels Slow — and learn how to keep your motivation high, even when results take time.

✨ Ready to take your financial reset even further? Join The Budget Babe’s newsletter to get free resources like the Roth IRA checklist, personalized projections, and weekly money tips delivered straight to your inbox.

Whether you’re new to investing or just want to make sure you’re on track, this episode will empower you to take action and set yourself up for financial freedom.

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Tired of feeling like your paycheck disappears before you even know where it went? In this Money Monday episode of Money Reset, Budget Babe shares 10 actionable tips — plus real-life examples — to help you cut everyday costs without feeling deprived.

You’ll learn:
 ✅ How to meal plan and batch cook to slash food spending
 ✅ The secret to cutting your phone and cable bills by hundreds per year
 ✅ Why auditing subscriptions can put instant cash back in your pocket
 ✅ Simple mindset shifts to make your new habits stick for the long run
 ✅ Exactly how these small changes can add up to tens of thousands of dollars over time

These aren’t vague suggestions — you’ll hear real examples of people saving big by making small, intentional choices.

Don’t forget to subscribe so you never miss a Money Monday episode of Money Reset. Join us next week for Building a Support System: How to Find Friends Who Respect Your Financial Goals — because support makes all the difference on your money journey.

✨ Ready to take your financial reset even further? Join The Budget Babe’s newsletter to get free resources like the Roth IRA checklist, personalized projections, and weekly money tips delivered straight to your inbox.

Whether you’re new to investing or just want to make sure you’re on track, this episode will empower you to take action and set yourself up for financial freedom.

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The holidays don’t have to wreck your budget — if you start planning now! In this Money Monday episode of Money Reset, Budget Babe shows you how preparing for Christmas in August can save you money, reduce holiday stress, and help you find more thoughtful gifts.

You’ll learn:
 ✅ Why starting your holiday shopping early can help you avoid credit card debt and overspending
 ✅ How to budget for gifts by spreading costs over several months
 ✅ Step-by-step strategies for organizing your list, picking a few people each month, and watching for the best deals
 ✅ Smart ways to stock up on wrapping supplies, save on extras, and build a gift closet
 ✅ How early planning can shift your holiday mindset from frantic to joyful — so you can actually enjoy the season

Don’t let the holidays catch you off guard this year — listen in to plan ahead, save big, and create a Christmas you’ll actually look forward to.

And don’t forget to subscribe so you never miss a Money Monday episode of Money Reset. Join us next week when we’ll cover Save Big on Everyday Expenses: 10 Tips That Actually Work (with Real Examples!) — so you can cut costs and keep more of your hard-earned money.

✨ Ready to take your financial reset even further? Join The Budget Babe’s newsletter to get free resources like the Roth IRA checklist, personalized projections, and weekly money tips delivered straight to your inbox.

Whether you’re new to investing or just want to make sure you’re on track, this episode will empower you to take action and set yourself up for financial freedom.

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Reaching your first $1,000 in savings is a huge milestone — but what should you do next? In this Money Monday episode of Money Reset, Budget Babe breaks down exactly how to turn your first $1,000 into a powerful foundation for financial security.

You’ll learn:
 ✅ Why your first $1,000 matters more than you think — and how it can protect you from debt
 ✅ How to decide if you should keep it in an emergency fund, pay down high-interest debt, or start investing
 ✅ Practical steps for building your full emergency fund and making your money work for you
 ✅ Inspiring examples of how others used their first savings milestone to change their financial lives

This episode gives you a step-by-step plan to confidently move forward and build momentum with your money — whether your goal is financial freedom, early retirement, or simply more peace of mind.

Don’t forget to subscribe to Money Reset so you never miss tips to reset your money mindset and take control of your financial future.

And be sure to tune in to next week’s Money Monday, where we’ll talk about Christmas in August: How Early Planning Saves Money & Stress — so you can head into the holidays feeling prepared and confident.

✨ Ready to take your financial reset even further? Join The Budget Babe’s newsletter to get free resources like the Roth IRA checklist, personalized projections, and weekly money tips delivered straight to your inbox.

Whether you’re new to investing or just want to make sure you’re on track, this episode will empower you to take action and set yourself up for financial freedom.

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Your credit score can open doors or slam them shut — and the good news is, you have the power to fix it. In this Money Monday episode of Money Reset, you’ll learn exactly how to take control of your credit score with practical, step-by-step strategies you can start today.

You’ll discover:
 ✅ What makes up your credit score, including payment history, credit utilization, length of credit history, credit mix, and new inquiries
 ✅ How to get your credit reports for free, spot mistakes, and dispute errors that drag your score down
 ✅ Actionable ways to catch up on overdue accounts, lower your credit utilization, and build a plan to move forward
 ✅ How to rebuild positive credit history using secured cards, authorized user status, and credit-builder loans
 ✅ The most common mistakes people make when trying to repair credit — and how to avoid them
 ✅ How long it really takes to see your credit improve

Packed with real-life examples and encouragement, this episode will help you boost your score, reduce stress, and put yourself on a path to better financial opportunities.

Don’t forget to subscribe to Money Reset so you never miss an episode that helps you reset your money mindset and build the life you want.

And be sure to join us next week for Money Monday, when we’ll cover What to Do With Your First $1,000 in Savings — so you know exactly where to put your first milestone toward financial freedom.

✨ Ready to take your financial reset even further? Join The Budget Babe’s newsletter to get free resources like the Roth IRA checklist, personalized projections, and weekly money tips delivered straight to your inbox.

Whether you’re new to investing or just want to make sure you’re on track, this episode will empower you to take action and set yourself up for financial freedom.

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Do you still have your hard-earned money sitting in a savings account earning next to nothing? In this Money Monday episode of Money Reset, we’re breaking down everything you need to know about high-yield savings accounts (HYSAs) — one of the easiest, most powerful tools to make your money work for you.

You’ll learn:
 ✅ What HYSAs are and how they work compared to regular savings accounts
 ✅ Exactly how much more you could earn with real-life examples of people turning a few dollars of interest into hundreds or thousands
 ✅ A side-by-side comparison of popular HYSAs from banks like Ally, Marcus by Goldman Sachs, American Express, Discover, SoFi, and Synchrony
 ✅ How to strategically use HYSAs for your emergency fund, short-term goals, and sinking funds
 ✅ Why moving your savings can protect you from impulse spending and give you peace of mind

Financial freedom isn’t just about investing — it starts with smarter saving. By moving your cash to the right account, you could earn hundreds or thousands of dollars more over time — without changing your budget or working harder.

Don’t miss this step to supercharge your money game! And if you want tools to keep your finances growing, check the episode description to sign up for my newsletter — you’ll get my free Roth IRA checklist and beginner’s guide to start building tax-free wealth today.

And make sure you tune in next week’s Money Monday, when we’ll break down How to Fix Your Credit Score Step by Step so you can boost your credit and open up new opportunities.

Resources 

The Points Guy

NerdWallet

Bankrate

✨ Ready to take your financial reset even further? Join The Budget Babe’s newsletter to get free resources like the Roth IRA checklist, personalized projections, and weekly money tips delivered straight to your inbox.

Whether you’re new to investing or just want to make sure you’re on track, this episode will empower you to take action and set yourself up for financial freedom.

Send us a text

Episode Description:
Why is saving so hard — even when we know it’s important? In this episode of Money Reset, we unpack the psychology behind our struggles to save and share actionable strategies to break free from mindsets that keep us stuck.

You’ll learn:
 ✅ Why instant gratification, lifestyle creep, all-or-nothing thinking, and emotional spending sabotage your savings
 ✅ How to reframe your mindset with practical tips like automating savings, defining your “why,” breaking big goals into small steps, and celebrating milestones
 ✅ How to bust common excuses like “I’ll save when I make more money” or “It’s too late for me”
 ✅ Inspiring real-life stories from listeners who changed their financial habits and built momentum toward early retirement and financial peace

Financial freedom starts with small, consistent decisions — and you can start today. Tune in to learn how to save with confidence, take control of your money, and move one step closer to your biggest goals.

✨ Ready to take your financial reset even further? Join The Budget Babe’s newsletter to get free resources like the Roth IRA checklist, personalized projections, and weekly money tips delivered straight to your inbox.

Whether you’re new to investing or just want to make sure you’re on track, this episode will empower you to take action and set yourself up for financial freedom.