The older I get, the more I realize how important money management is.

Having money, keeping money, and growing money – things that we really aren’t taught early in life, but things that make a huge difference in the quality of our lives.

I was fortunate enough to be in a tough financial situation in my early 20s that opened my eyes to the importance of doing the right things with money.

Now, I strive to help women see the value of budgeting and money management and learn what it takes to succeed with it.

If you’ve been wanting to prioritize your money, but haven’t gotten around to it yet, this episode is for you.

I’m sharing 5 empowering reasons to prioritize your money next year and keep it a priority indefinitely.

Here's a glance at this episode:

• [01:43] Raya breaks down inflation, how it’s calculated and how it has changed over time.
• [04:00] Inflation and cost of living increases are inevitable. Prioritizing your money can help you stay ahead of the curve.
• [07:18] Raya doesn’t believe Social Security benefits will ever go away, but relying on them to get you through the future is not a smart move.
• [08:02] As a way to face fear and focus on solutions, Raya and her fiancé run through their worst-case scenarios and things they can do to counter them.
• [13:09] Prioritizing your money now means you won’t have to stress and worry about money as much in the future. Invest in real estate and the stock market as early as possible.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 1 – Big City Spender to City Girl Saver

Request a complimentary call with Raya to discuss your finances!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

I can’t believe I’m getting ready to share my 2025 goals with you on the podcast!

Not only is time flying, but I think back to when I shared my goals on the podcast for the 2023 year.

I’m so grateful for another year of the City Girl Savings Podcast, but I’m also grateful to have learned long ago that time keeps going, so every opportunity I get to make the most of it, I take full advantage.

I’ve been setting goals for decades and I have no doubt they’ve helped me get to where I am today, whether I actually reached the goals I set or not.

Alright, since we’re getting very close to the New Year, the time for me to reflect on my progress and set goals for the next year has come!

In this episode, I’m sharing my personal and business goals for 2025. I’m also giving you an update on my 2024 goals!

Here's a glance at this episode:

• [03:04] Raya kicks off by sharing her progress towards the goals she set in 2024 for both personal and business.
• [05:10] One goal for Raya in 2024 was to start therapy. She achieved this goal but may have to make some adjustments in 2025, thanks to insurance.
• [09:54] Trending back to normal revenue numbers for the business in 2024, but not quite reaching the goal of increasing revenue by 50%.
• [13:53] Raya was not expecting to reach a goal of owning a second home in Palm Springs. In 2025, Raya wants to see a short-term rental profit.
• [18:00] Similar to last year, Raya wants to focus on increasing City Girl Savings Newsletter subscribers in 2025.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 134 – 2024 Mid-Year Personal and Business Goal Check-In

Subscribe to the City Girl Savings Newsletter!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Be honest with me. Have you ever considered working with a money coach but immediately thought: “why should I spend money to have someone help me with money”?

As a money coach who’s nearly a decade in, I’ve heard that sentiment more than you’d imagine…and I’m sure people have thought it without saying it out loud!

It’s a valid thought but requires deeper analysis.

If you needed help with the electrical wiring in your house and didn’t know what to do, you wouldn’t think twice about spending money on getting the help you need.

Same goes with other services, same goes with other areas of your life.

If you need help with your money and haven’t been able to figure it out on your own, there’s nothing wrong with paying to get the help you need.

In this episode, I’m sharing 6 ways a money coach can turn your life around. Let this episode serve as your sign to seek the help you need!

Here's a glance at this episode:

• [01:53] Raya shares her specialty when it comes to money coaching. She helps clients create and stick to realistic budget and spending plans.
• [04:03] When you don’t know what’s happening in your money situation, you’re likely not doing the best things with your money. That’s where a money coach can make a difference.
• [07:23] Willpower and self-accountability have limits. A money coach can help you stay strong and accountable with your financial decisions.
• [12:00] A money coach can motivate and encourage you to reach your goals faster.
• [15:15] It’s hard to deal with money struggles on your own. Having a money coach to talk things through can help relieve some stress.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Learn about Raya’s Financial Focus Coaching Program

Listen to CGS Podcast Episode 25 – How Financial Coaching Changed Her Life with Vanessa

Listen to CGS Podcast Episode 81 – Manifesting Money, Trips and More with Tymika

Listen to CGS Podcast Episode 129 – Budgeting Multiple Six Figures with Rachel

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!