in this episode of SaunaiE we discuss our Goals for the Month of May, Ways To Wake Up Early, & Morning/Night Routines 

SEASON 5 EPISODE 21 

in this episode we discuss Financial Wellness and the steps it takes to achieve Financial Wellness but the show kicks off with some insightful quotes 

SEASON 5 EPISODE 20

Welcome Back Welcome Back Ladies & Gents. Our apologies on not putting out episodes last week, we had to take a well needed vacation and trust with this episode you'll be filled in on our Host XO's trip BUT FIRST...

We kick off the show with two Quotes of The Day, the 1st quote talks about "Not letting Doubt control your life," Life always has us questioning ourselves and our potential but with this quote it gives us the motivation to continue fighting against the doubt and fighting for our potential to be greater than who we are. 

2nd Quote: Being thankful and grateful for the little things in life, Life moves so fast that we sometimes forget to take the time to appreciate the little blessings like waking up in the morning. XO goes into detail about this quote and how it touched him.

Main Topic: ANTIGUA 

in this segment XO starts off with some history of Antigua like where it's located, and when it became an independent state within the Commonwealth of Nations. 

22,000 people live in the capital of St. Johns which is located in the Nothwest part of Antigua.

Hurricane Irma relocated all of the population of Barbuda to Antigua.

The island is reliant of tourism & the currency they use is the East Caribbean Dollar.

The major sport played on the island is Cricket & the most famous Cricket player Vivian RIchards.

XO discusses a lot more information about the island, what he loved, the food, the culture & what he did on his trip there. 

Let us know what you think of this episode on Apple Podcasts or even our website.

Thank You

-X

SEASON 5 EPISODE 18 

Have you been Saving Money? or Have you been spending the money? or Maybe you've been investing money? 

Well in this episode we discuss Ways To Save Money and some Tips on How To Save Money but first we kick off the episode with some insightful quotes of the day. The 1st Quote is about "Not Waiting For The Right Opportunity but Creating The Right Opportunity..." We all are waiting for some of opportunity for a level up, a career change, or love, but sometimes we shouldn't wait for something instead we should go out there and CREATE our own opportunity. 

2nd Quote: is about dong the difficult tasks first instead of procrastinating and pushing it off to the end of the day or even the next day. Sometimes we psych ourselves out by questioning if the opportunity is right for us but we should be focusing on creating the right opportunity.

NOW FOR THE MAIN EVENT

Tips on Saving Money

in this segment we talked about Ways To Save $$$ including reviewing your spending habits, Using your smartphone to find budget apps or money saving apps, Turning off your notifications on apps that want you to spend money, and putting a spending freeze on your spending habits. A lot of key information in this segment that'll be key to all of us. Enjoy and Leave a Review of what you think of this episode.

SEASON 5 EPISODE 17 

in this episode our host XO discusses What is an Emergency Fund? 

The show kicks off with 2 insightful Quotes, the first quote is about "Not resisting pain, allow it to be there..." When we are in pain the first thing we want is for the pain to go away but why don't we ever observe or analyze why we're in pain or embrace the pain that we're in. It's just trying to help us grow and teach us something but we don't ever get the chance to learn the lesson until it's over.

The 2nd Quote is discusses how we should talk more about what we're passionate about when around our friends & family instead of keeping it inside because we think what we're passionate about isn't worth hearing, but what we're passionate about can lead to a world of opportunities.

Now we jump into the Main Topics

1st Topic: What is an Emergency Fund?

in this segment XO starts off defining what an Emergency Fund is and Why we need it starting today. It's critical when it comes to Financial Literacy that we build an Emergency Fund and stay disciplined when it comes to investing and saving. This segment also details "Why You Should Start An Emergency, How To Start An Emergency Fund & Statistics about the Emergency Funds. Towards the end of this segment we talk about how much business owners should save.

2nd Topic: Steps to Building An Emergency Fund

in this segment XO details Steps to Building An Emergency Fund, the first step being Creating A Budget.

Creating a budget starts with you calculating all of your expenses over the past month and seeing where you can save/invest.

It's important to know where your money is going so that you can find saving opportunities. Without budgeting we won't be able to maximize our income so we end up living check to check digging ourselves into a hole. When creating a budget you see where you can cut expenses or increase your income.

the next step talks about Saving Automatically, using your budget to make your savings automatic by splitting a percentage of your direct deposit into your savings acct.

A lot of hidden gems in this segment especially when it comes to Financial Literacy and Building An Emergency Fund.

Thank you for reading. Leave a 5-Star review to let us know what you think of these emergency fund segments and if you're currently building your emergency fund or already have one. 

www.Saunaie.com to hear the latest episodes and leave a review or voicemail. 

SEASON 5 EPISODE 16 

in this episode of S A U N A I E podcast our host XO discusses "Why Financial Literacy Matters, & What Are IRAs?"

the intro of the episode we discuss how the Easter weekend was and how spending time with family is always needed no matter what journey you're on. Family keeps you grounded and brings memories & peace. Overall we had a great Easter weekend and we hope y'all did too.

After that XO elaborates on his quotes of the day, the 1st quote is about "how Touching the lives of others is one of the best things you can do in life." & the next quote talks about "Cutting People out of your life as well as People Cutting You out of their lives" 

We've all been Cut out of someone's life and felt like it wasn't necessary but we never observe why they cut us off not knowing it's a blessing in disguise and now for the MAIN EVENT.

1st Topic: Why Financial Literacy Matters

in this segment XO lays out some mind-blowing statistics about Financial Literacy like how majority of the American workforce are Millennials and how they have LOW financial literacy. Also how those with high Financial IQs are lacking fundamental financial concepts such as budgeting & saving. Tune in for more Financial Literacy Statistics & Facts.

2nd Topic: What Are IRAs?

in this segment XO discusses what IRA he's using and why he chose that IRA. There are multiple IRAs that we discovered in this segment and how they apply to us. XO uses a Roth IRA for many reasons and he elaborates on why he went this route. IRAs are needed for everyone especially since the Social Security Trust won't be around a decade from now. If you're wondering what IRA is And how it applies to you check out this segment.

Thank You for reading. Enjoy the show. Comment, Subscribe, & Share. Thank You

-XO

SEASON 5 EPISODE 14

in this episode XO starts the show with 2 Quotes of the day ,the first quote talks about "Success and what Winners do to achieve it," followed by the next quote discussing Being Observant of the Pain that we Endure in life, that it's all a lesson.

From the Quotes we jump into the heart of the episode which is the "March Recap," XO talks about how March went for the podcast. Starting wit the first episode of March which was "Let's Talk Mental Health" this episode was full of information about Life-Changing Habits, Childhood Trauma effecting Adulthood & Self-Care Routines. 

He also discussed his favorite shows of the month and least favorite show. Also detailing his reasons why he chose these episodes.

Then XO dives into his plans for the 2nd Quarter of 2021, Plans for April & Goals for April.

Thank you for reading. Enjoy the show

-XO