I think we all know the answer to that question, but the bank asked it anyway.

Click here for all the links:

https://www.teresastreit.com

S1 E15 - In this episode, I’m sharing an update on the bathroom renovation plan we finally landed on — the choices, the compromises, and the reminder that home projects (like life) rarely go in a straight line.

We’ll talk about what it looks like to stick to your goals even when you veer off, and how to gently guide yourself back without shame or drama. Because the truth is: we’re all imperfect humans doing our best with what we have.

If you’ve been feeling behind, scattered, or frustrated with your own progress, this episode will help you breathe, reset, and remember that grace is a strategy too.

Check out my website:

https://www.teresastreit.com

In this episode of The Poppy Payoff Path, Teresa shares insights from Jon Acuff’s Remarkable You Live event and the surprising truth behind why 85% of people want to write a book but only 1% finish.

We talk about:

• What “resistance” really is and how it keeps us stuck

• Why the middle of any goal is the hardest part

• How personal stories shape our growth

• The moment a book finds you at the exact right time

• Why your lived experience matters more than you think

If you’re in the messy middle of a goal — writing, decluttering, paying off debt, getting healthier — this episode will remind you that you’re not alone and you’re closer than you think.

This week, we’re breaking down the everyday choices that shape your financial momentum — the purchases you make, the plans you set, and the practical decisions that keep you moving forward. A quick, honest reset to help you spend with intention and stay aligned with your goals.

Links:

Website: https://www.teresastreit.com

Slicer: https://a.co/d/0iDBc65v

Dehydrator: https://a.co/d/04iKMoq4

In this episode, I share a few tips for managing food and drink expenses on a road trip to get the most enjoyment without throwing mindful spending right out of the window.

Helpful Links:

Website: https://www.teresastreit.com

Ice pack Lunchbox: https://www.staples.com/PACKiT-Freezable-Lunch-Bag-Black-PKT-PC-BLA/product_2334840

Iron Flask Cup: https://a.co/d/0htkGtNR

In this episode, I’m getting honest about the part of the debt journey most people avoid: the decisions. The uncomfortable ones. The ones that require you to stop spiraling, face the numbers, and actually do the work that moves you forward.

I’m sharing the moment this week when I had to choose between staying overwhelmed or taking the next non‑negotiable step — and how that tiny shift created real momentum. If you’re standing at your own crossroads, this conversation will help you breathe, get grounded, and make the choice that supports the future you’re building.

This isn’t about perfection. It’s about clarity, courage, and doing the work that changes everything.

Links to products mentioned in the episode.

Finish Journal - https://jonacuff.com/journal

Tul Notebook - https://www.officedepot.com/l/brand/tul

Moleskin Journal - https://www.moleskine.com/en-us/shop/notebooks/the-legendary-notebook/

In this episode, I tell you about the new leaf I have turned over for a new habit. Let me know in comments when is a big expense on your list for saving.

https://teresastreit.com

This week, I’m talking about something real: how to stay committed to your financial goals without letting money take over every conversation or every corner of your life. Yes, I’m on a payoff path. Yes, I’m focused. But I’m also a whole human with relationships, hobbies, and a life that deserves space too.

In this episode, I’m unpacking what it looks like to stay disciplined without becoming one‑dimensional, how to keep your momentum without overwhelming the people you love, and how to let your goals live alongside joy, connection, and actual presence. If you’ve ever felt like you’re “too focused” or like your ambition is spilling into places it doesn’t belong, this one will feel grounding.

This week's reminder: one small shift can change your whole direction. Don't wait for perfect. Just move with intention.

https://teresastreit.com

Get ready. I'm pretty excited in this episode and I didn't do as much editing, so you get a lot of the authentic me in this episode. It was fun to share.

This week is all about forward motion — financially and creatively. I’m choosing the financial advisor who will help guide my next chapter, and I’m officially forming my LLC to turn this podcast into the foundation for something bigger. Money, mindset, and real momentum are all happening at once, and I’m taking you with me as it unfolds.

https://teresastreit.com