EmpowerYou Financial

F.E.A.R., False Evidence Appearing Real. How often do we limit ourselves because of our fears? Fear is an unpleasant emotion caused by the belief that someone or something is dangerous and likely to cause pain. And, if allowed, this fear can cripple us and stop us from experiencing life to the fullest. Whether it be a fear of heights, fear of rejection, fear of the unknown, fear of success, or fea...

Financial Freedom Friday | Playing The Credit Card Game Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial

If you have been paying attention lately you would know that we at EmpowerYou Financial have been going through some transitions and changes. These changes are all positive because they are a result of our community growing more and more. We now have three ways for people to connect with us and join the community or better yet, the club. Listen in as Eva breaks down the three different levels we h...

Financial Freedom Friday | House Hacking Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial

According to Urban.org, "Most American adults—227 million, or 89 percent—have a credit file. Using a random sample of deidentified, consumer-level records from a major credit bureau, we estimate that in 2019, 30 percent of them, or about 68 million US adults, had debt in collections reported in their credit files." And our guess is that this percentage increased as a result of the pandemic...

Financial Freedom Friday | How To Get Free Flights Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial

Every day we are faced with different choices around how we should best spend our money. Beyond the necessities of life like food and shelter, if we are savvy we are constantly looking for opportunities to invest in things that make us more money. But with so many things being volatile like the stock market, crypto, the housing market, etc. how do we know what is a good investment and what is not?...

"The Room Where It Happens" is a song from the hit Broadway musical Hamilton, which is based on the life of Alexander Hamilton. The song's writer and composer, Lin-Manuel Miranda, explained, "'The Room Where It Happens' [is one] of the best songs I've ever written." The song outlines a secret dinner between Hamilton, Thomas Jefferson, and James Madison who agree upo...

So often when we are on the journey to level up ourselves personally and professionally we come across individuals that may not understand why we are working so hard to change. They may say things that feel like attempts to slow us down and discourage us. They may even project their own fears and insecurities on us under the guise of showing concern or looking out for us. While these things may be...

Television and social media are fascinating platforms. If you are not careful, television can have you thinking it only takes 60 minutes or less to cook a gourmet meal, restore a vintage car, or fix and flip restate. And what we often don't see in the highlight reels of social media when folks quickly show you their wins, are the hours, days, weeks, and months of ups and downs, set backs, chal...

Eva recently conducted a poll on her social media platforms, asking folks what is the best thing they have spent money on? The answers ranged from education and personal development to equipment for businesses, real estate, and experiences. There were so many responses and so many examples of great investments. However, hindsight is 20/20. Did we all truly know that the investment would be a good...

With gas prices, housing, and the cost of all types of things soaring, many of us are feeling the pressure to conserve and hoard up just in case things make a turn for the worst. It's natural to want to protect what we have, especially when it feels like we don't have an infinite supply of what we have. However, is that the best approach? Sometimes it's not just about spending less but...

How often are we rewarding ourselves for our hard work? How are often are we putting ourselves in position to grow either by earning and paying for a seat at the table? Or better yet, how often are we hearing God speak to us but not following his voice? These are the things discussed in this week's podcast. Listen in as Eva and Charles share their experiences while on separate back to back vac...

Making changes in your personal finances and personal credit can be difficult at times. Especially when you have grown up learning how to do things a certain way or you've taught yourself certain habits because it has helped you survive. You've learn how to make ends meet and although your finances and credit aren't where you ultimately want it to be, you are still holding it down for...

When all the stars align and you get this gut feeling that you've stumbled upon a really great idea, how long does it take for you to make a decision to move forward? Do you need a few minutes, a few hours, a few days, or a few months? What are things that make you hesitant and stop you from jumping quickly? We have found that success loves speed and while it's always good to think through...

While still on a high from the Lions Club SoCal meetup, Eva reflects on all the mental shifts many of the Lions are experiencing as they matriculate through the Lions Club program. From huge financial gains to increased confidence and stronger postures, Lions are winning in many different areas and its starts with a new approach towards their personal finances and personal credit. Listen in as Eva...

In this special edition of the podcast, Eva and Charles host the show in front of a live audience. The audience consisted of Lions Club members that attended the Lions Club's first official meetup located on site in Southern California. If there was one lesson learned from the SoCal trip it was that being exposed to the lifestyle the rich and wealth enjoy can help you appreciate the finer thin...

If you are considering entrepreneurship because it seems like entrepreneurs are having all the fun, you might want to also consider how much hard work goes into creating the lifestyle you believe you are seeing on social media. Many folks will share the all the benefits and rewards of being your own boss, without including all the challenges and disappointments one may face along the journey. List...

There are two good ways to spend extra funds according to Eva: either invest in assets or invest in experiences. While many of us understand what an asset is, something that provides a current, future, or potential economic benefit, not many of us understand what is meant by investing in experiences. Do you think there is a real difference between first class and coach, between a meal at a Micheli...

If you were given the opportunity to fly for free anywhere in the US or select places internationally, where would you go? How often would you go? These are some of the things that people who have mastered the art of flying for free think to themselves. Did you know that Eva and her family have not paid for an airline ticket in over three years and sometimes they travel as often as once or twice a...

What is your definition of financial freedom? Financial freedom is often a goal for many people looking to improve their personal finances and personal credit, but, how do you define it? While the exact definition is likely relative based on one's circumstances, we believe we can all agree to a general definition that fits most people. Listen in as Eva shares her definition of financial freedo...

As the year 2021 wraps up, many of us will take the opportunity to reflect on the past year and acknowledge our ups and downs and wins and losses. Looking back at how far we have come over a period of time can be a good reminder of the the hard work we have put in and a reminder of how much work we still have to go. No matter the journey, it is important to celebrate every success along the way an...

It's a been a full year since Eva started the Lions Club back in December 2020. With 150 Lions Club members and countless success stories, Eva reflects on the first year of the Lions Club and what's up next for 2022. Listen in as Eva shares what the Lions Club community has meant to her, how she's made the Lions Club even better, and the details around how you can join the Lions Club i...

Personal finances can be hard and the grind to not only make ends meet but also grow beyond our current situation can be difficult at times. We experience ups and downs -- times when it seems like everything financially is going well and times when we aren't sure if we are going to make it. Adulting is real and the truth is, personal finances and personal credit weren’t taught in school. So wh...

Is owning real estate for everyone? Maybe or maybe not, depending on your goals and your circumstances. But let's ask that question a different way. Can everyone own real estate? Well, the answer to that question from the perspective of our Credit Coach, Eva, is yes. Unfortunately, many of us just don't know how close or how far we are when it comes to owning real estate. Listen in as Eva...