A community of creatives exploring the obstacles in the way of uncovering their hidden gems. Join host Jacent Wamala Licensed Marriage and Family Therapist turned Money Mindset Strategist for weekly tips and tricks on how to live your best life. Topics such as mental health, wellness, relationships, money, and mindset are covered because it’s ok to be an uncut gem. The show is in no way substitute for therapy.
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Jacent Podcasts
The Inspired Budget Podcast helps women live their best life and reach their money goals. Join Allison Baggerly for inspiring conversations to help you learn more about budgeting, saving money, paying off debt, and investing for your future. You’ll be hearing not only from Allison, but others along the way that have a story and voice to share.
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#242: How to Completely Change Your Finances in 6 Months
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28:19What if six months was all it took to feel completely different about your money? In this episode, I’m walking you through the exact step-by-step plan I’d follow if I had to reset my finances from scratch. No extremes. No shame. No “rice and beans forever.” Just simple habits that actually work in real life. We walk through each month of the plan, …
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#241: I Thought Budgeting Was Enough. I Was Wrong.
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15:03For years I believed budgeting was enough to make me feel in control, but I still felt stressed and a few steps behind. In this episode, I’m sharing the three habits that finally changed things for me. These habits helped me stop avoiding my numbers, understand the spending patterns that kept holding me back, and set up systems that made saving and…
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#240: The Day After Christmas Money Wake-Up Call
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11:40The day after Christmas can feel quiet… and a little heavy. In this episode, I’m sharing the story of why Christmas Day is often one of the busiest days on my website and what it reveals about how many of us really feel about money once the gifts are opened and the excitement settles. We talk about why that post-holiday “wake-up call” doesn’t mean …
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Book your complimentary financial consultation sessionhttps://link.authoritysystems.net/widget/bookings/jacent-wamala-personal-calendar-rwtepmjmhoauscv🌴 Transform Your Finances: A Conversation with Mary Lou Ancheta 🌴Are you struggling with financial organization and clarity? Join us as Jacent Wamala chats with Mary Lou Ancheta, a private practice o…
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#239: What Would You Do in These Awkward Money Moments? (with Chris Browning)
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42:33Today I’m hanging out with my friend Chris Browning from Popcorn Finance for a special crossover episode filled with laughter, awkward money moments, and honest reactions to real Reddit stories. We’re diving into some truly wild financial situations, from a $250 white elephant gift exchange to a friend asking for $2,300 after a baby broke her sungl…
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#238: Why So Many Americans Feel Broke Even When They're Working
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15:21So many people are working full time yet still feel like they’re falling behind. In today’s episode, I’m breaking down why this is happening and what you can do to take back control of your money, even in a tough economy. We talk about: Why 45 percent of Americans say the cost of living feels unaffordable The truth about debt, housing costs, and li…
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#237: Marriage and Money 101 with Financial Therapist Nathan Astle
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32:52What if your money fights aren’t really about money? In today’s episode, I’m talking with financial therapist Nathan Astle about the real reasons couples clash over spending, saving, and debt — and how to get back on the same team. Nathan explains what financial therapy is, how power dynamics show up in marriages, and why guilt can help but shame k…
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Book your complimentary call 👇🏾https://link.authoritysystems.net/widget/bookings/jacent-wamala-personal-calendar-rwtepmjmhoauscvSay hi on social:Instagram:https://www.instagram.com/jacentwamalaDisclaimer:Note information shared is for educational purposes only. Thank you for your support!#JacentsWamala…
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In this brief episode, Allison offers a heartfelt message of encouragement to stay the course on your financial journey. Happy Thanksgiving! You Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Tak…
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#235: How She Paid Off $94K of Debt in 3 Years with Jacent Wamala
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35:49What if paying off your debt didn’t have to feel like punishment? In this episode, I’m joined by Jacent Wamala, a licensed therapist and money coach who paid off $94,000 of debt in just three years…all on a single income! After walking through divorce, grief, and grad school, Jacent decided to treat her debt-free journey as an experiment instead of…
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She Turned $10 Into OVER $100,000 NET WORTH
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28:41Book your complimentary financial consultation session. If you’ve been craving clarity, direction, or proof that real transformation is possible… you need to hear this. Lily went from feeling stuck, anxious, and completely overwhelmed by money — to building a six-figure net worth, paying off her student loans, starting a business, landing two promo…
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#234: Overspent This Month? Here’s How to Fix Your Budget!
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17:38Ever feel like you’re crushing your budget… until halfway through the month when you realize you’ve overspent? You’re not alone. I’ve been there too—and the good news is, it doesn’t mean you’ve failed. In this episode, I’m sharing the five simple steps my family uses to fix our budget when things go sideways. From adjusting your numbers without sta…
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#233: What Hospitals Don’t Tell You About Financial Assistance with Jared Walker
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33:47If a big hospital bill just landed in your mailbox and your stomach dropped, take a breath. You may not have to pay all of it (or any of it). In this episode, Jared Walker, founder of Dollar For, explains how hospital charity care (financial assistance) works, who qualifies, and how his nonprofit walks patients through the process for free. Try Thi…
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#232: Used Your Emergency Fund? Here’s Your Next Step
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26:20If you’ve ever had to dip into your emergency fund, you’re not alone. It’s such a frustrating feeling to watch your savings go down after working so hard to build it up. You know it’s there for a reason, but still, it can feel like a major setback. In this episode, I’m answering a listener question from Rachel, who asked what to do after you’ve had…
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#231: Using ChatGPT to Find Your Next Side Hustle (with Nick Loper)
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37:36Ever wish someone could just hand you a list of side hustle ideas that actually fit your skills and schedule? In this episode, Nick Loper, host of The Side Hustle Show, shows us how to do exactly that with the help of AI. Nick has a free worksheet that pairs with ChatGPT to brainstorm side hustle ideas. We test it live during our conversation using…
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#230: How To Save Money On Groceries (3 Rules I Live By)
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19:22If your grocery spending feels like it’s getting out of control, you are not alone. As my kids have grown, I’ve noticed just how much more food (and bigger portions!) we’re going through every single week. Add inflation on top of that, and suddenly the grocery bill looks way higher than it used to. In this episode, I’m sharing the 3 rules my family…
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#229: From TV Dinners to Millionaire: Emily’s Journey to Financial Freedom
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30:22
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30:22What does it really take to go from struggling with money to building lasting wealth? This week on the Inspired Budget Podcast, I’m joined by Emily Egashira, a Certified Financial Education Instructor who went from living in poverty and surviving off TV dinners… to becoming a debt-free millionaire in her 30s. Emily opens up about: Growing up in pov…
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#228: The 3 Biggest Mistakes I Made While Paying Off Debt (And What I’d Do Differently)
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19:26Paying off over six figures of debt completely changed my family’s future, but it was not a perfect journey. Looking back, there are three big mistakes I made along the way. And honestly, I wish someone had told me sooner so I did not have to learn the hard way. In this episode of the Inspired Budget Podcast, I’m sharing: Why making your budget too…
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#227: Cooking Your Way to Savings with Erin Chase
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33:57Picture this: your grocery bill, cut in half. Sounds impossible, right? Not when you've got the queen of budget-friendly meals, Erin Chase, guiding you through the art of frugal feasting! Erin, founder of $5Dinner.com and author of the $5Dinner Mom Cookbook series, joins us for a chat that's sure to change how you shop, cook, and eat. From navigati…
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#226: Shopping as Self-Soothing: How I Broke the Cycle
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28:41If you’ve ever felt that rush from clicking “Buy now,” waited for the package like it was Christmas morning, and then… felt the guilt later, you’re not alone. In this episode, I share the honest story of how I used shopping to cope with stress, boredom, and hard feelings—and the simple shifts that helped me break the cycle. We’ll talk about why sho…
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#225: Should You Buy It or Not? Try This 14-Question Quiz To Find Out
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40:14Have you ever felt stuck on whether to buy something? Maybe it sits in your Amazon cart for weeks—or you hit “order” and later regret it. In this episode, I’m joined by Abigail Roe of Downsize Upgrade, who created the Deliberation Station: a set of quick questions that help you decide if a purchase is worth your money, space, and energy. We talk ab…
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If you’ve ever felt like you’re doing everything “right” with money but still stuck living paycheck to paycheck, you’re not alone. More often than not, it’s not the math that’s holding you back—it’s the money lies you’ve come to believe. In this episode, I’m calling out five lies that might be keeping you broke (yes, even the ones I used to believe…
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#223: Creating a Home You Love with Less Stuff with Jacqueline Stein
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37:53
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37:53What if downsizing your home could actually upgrade your life? In today’s episode, I’m chatting with Jacqueline from Home Reimagined, who shares how she and her husband left behind a high-cost lifestyle in Austin, Texas to live full-time in a luxury RV. They cut their expenses by 45% and gained so much more in the process! Jacqueline opens up about…
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#222: Back-to-School Routines That Keep My Family (and Budget) on Track
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23:51It’s back-to-school season, which means schedules are packed, evenings fly by, and the to-do list never ends. If you’ve ever felt like you’re just trying to keep your head above water this time of year, you’re not alone. In this episode, I’m sharing the five routines that help me keep my home and budget running during busy seasons—and the three thi…
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#221: Getting Your Home and Money Organized with Christina Hidek
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34:49Has anybody else been binge-watching "Get Organized with The Home Edit" on Netflix? Between that and my new kitchen renovation, I've been in an organization frenzy. So it only felt fitting to have Christina Hidek on the podcast today, an attorney turned professional organizer who is passionate about structure, organization and creating custom syste…
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#220: What I Wish I Knew About Paying Off Debt as a Mom
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25:57Let’s be real. Paying off debt is tough. But trying to do it while raising little kids? That’s a whole new level of hard. In this episode, I’m sharing what it was really like to pay off over six figures of debt while being a mom to two little ones. I talk about the guilt, the pressure, and the emotional weight I didn’t expect. This isn’t a step-by-…
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#219: Working Through Financial Shame, Relationship Tensions, and Debt with Dr. Erika Rasure
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33:05In this episode, I sit down with financial therapist Dr. Erika Rasure to talk about something most personal finance advice skips over: the emotional side of money. Erika shares why so many of us carry shame, guilt, or fear when it comes to spending and debt, and how we can begin to break those patterns for good. We discuss: What financial wellness …
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#218: If I Woke Up With $100K of Debt Today, Here’s EXACTLY What I’d Do
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26:55In this episode, I’m walking you through the six steps I would take if I woke up today with over $100,000 of debt. This is the exact approach I’d follow based on my own experience of paying off $111,108.29 on two teacher salaries while raising a family. I’m breaking down what I’d do differently, what worked for us, and how to stay motivated along t…
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#217: How Cindy Paid Off $215,000 Of Student Loans
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23:34My guest today paid off over $215,000 in student loans and credit card debt in just 48 months! Cindy Zuniga-Sanchez is a daughter of two immigrants, a lawyer turned entrepreneur, and the founder of Zero-Based Budget Coaching, LLC. After graduating law school in 2015, Cindy found herself in six figures worth of debt. Instead of giving into the tempt…
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#216: What I Wish I Knew Before Paying Off $100K Debt
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24:56Let’s rewind to the beginning of our debt-free journey—back when I thought paying off six figures of debt would be simple, linear, and honestly… a little more glamorous. Spoiler alert: it wasn’t. In today’s episode, I’m getting real about the three biggest things I wish someone had told me before we even got started. These aren’t the kind of tips y…
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How HIGH EARNING WOMEN can save $20,000 in 6 MONTHS
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8:29Book your complimentary financial consultation now https://bit.ly/3GwbsSc Connect on IG @JacentWamala
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#215: How Leigha’s Paying Off $169K of Debt in Her 30s
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32:52What do you do when you wake up and realize you owe $169,000 in debt? If you're Leigha, you grab a spreadsheet, get honest with yourself, and start sharing your journey online. In this inspiring episode, Leigha (@millennial30something) opens up about the moment she said enough is enough and decided to not only start her debt free journey, but share…
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#214: 5 Things We Did First To Pay Off Over $100K Of Debt (Without Making a Fortune)
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22:27When my husband and I decided we were DONE with debt, we had no clue where to start. We were drowning in over $111,000 worth of debt and making two teacher salaries. We didn’t have extra money lying around, but we were determined to change our lives. So what did we do first? In this episode, I’m walking you through the very first five steps we took…
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#213: Teaching Kids Kitchen Skills That Save You Time and Money
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36:11In this episode, I talk with Katie Kimball about teaching kids kitchen skills that save both time and money. Katie shares practical advice for parents looking to build cooking independence in children while keeping grocery budgets in check. In this episode you will learn: How to teach age-appropriate kitchen skills to kids 10+ (like knife skills an…
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#212: 6 Things I Regret Spending Money On (And What I Learned)
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31:17Just because I teach budgeting doesn’t mean I’ve always made perfect money choices. In this episode, I’m getting personal and sharing six purchases I regret. Not to shame myself or anyone else, but to show that we’re all learning as we go. Some of these were impulse buys. Some were made with the best intentions. But all of them taught me something …
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#211: How Kelly Paid Off $23K in Debt and Built a Life She Loves
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30:35In this episode, I sit down with my friend Kelly Anne Smith to talk about what it really looks like to go from barely getting by to building a life with financial peace. Kelly opens up about her early money mistakes, including the time her car was repossessed—even though she technically had the money in her account. We talk about: Why not knowing w…
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#210: What to Do When You’re Facing Job Loss While Paying Off Debt
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21:06Ever feel like you're trying to pay off debt while holding your breath, hoping your income doesn’t suddenly vanish? Or maybe your family has income that comes in waves, and you’re just trying to keep the budget afloat? You’re not alone. In this episode, I’m answering two listener questions that so many people are navigating right now: Should I paus…
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#209: Making Disney Work On Your Budget with Kevin Payne
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42:10In this episode, I chat with Kevin Payne about how families can experience the magic of Disney without breaking the bank. Kevin shares his journey from adopting two children (doubling his family size!) to finding ways to make travel affordable while maintaining certain non-negotiables. We discuss: The biggest Disney expenses Pros and cons of stayin…
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#208: 7 Things I'm Not Buying This Summer (And 3 Things I'm Splurging On)
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26:45Summer spending can sneak up on you fast. Between pool days, fireworks, and sales everywhere you look, it’s easy to blow through your budget without even realizing it. In this episode, I’m getting honest about where I’m NOT spending money this summer (looking at you, lemon-themed decor) and the few things I am saying YES to, guilt-free. I’m sharing…
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#207: Will Social Security Really Be Enough?
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40:42Jesse Cramer, a former aerospace engineer turned financial planner, joins me to talk about longevity risk and why it’s especially important for women to plan for the long haul. We talk about what it means to outlive your money, how Social Security really works (especially for stay-at-home moms or lower earners), and what to do if you're behind on r…
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#206: What 38 Feels Like (An Honest Check-In)
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25:12Today is my birthday—I'm 38! 🎂 And instead of giving you a list of lessons or tips, I’m doing something a little different. I’m sharing what this season of life feels like—from motherhood and money, to business, marriage, and the friendships that come and go. This is a heart-to-heart episode about being present, growing through the hard parts, and …
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#205: She Made $500K on Etsy Without Design Experience (Here’s How!)
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32:39What if you could turn your creative curiosity into a side hustle that pays off debt, fits around your kids’ schedules, and maybe even replaces your 9-to-5? In today’s episode, I’m chatting with Emily Odido-Sutton, a former educator turned full-time Etsy seller, who built a wildly successful print-on-demand business—without any prior design or busi…
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#204: Tariffs, Rising Prices & Budget Stress: Here’s How to Prepare
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18:57In this special Q&A episode, I’m answering two important questions from our Inspired Budget community. First, we talk about how to prepare your finances when prices are rising and the economy feels uncertain (hello, tariffs and recession talk!). Then, I answer a question about what to do when you keep going over budget—even when you technically hav…
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#203: What No One Tells You About Financial Advisors with Jeremy Schneider
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39:15Today, we’re sitting down again with Jeremy Schneider, and it feels just like catching up with an old friend who’s here to clear up the confusion around financial advisors. Jeremy, who's behind both Personal Finance Club and the new venture, Nectarine, shares personal stories and why finding genuine, unbiased financial advice can be tricky. If you'…
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Book your complimentary financial consultation sessionhttps://calendly.com/wamalawellness/new-free-50-minute-zoom-coaching-consultation?back=1&month=2024-01Disclaimer:Note information shared is for educational purposes only. Thank you for your support!#JacentsWamala #debtfree #debtfreejourney #debtfreecommunity…
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#202: The Freak Accident That Made Me Grateful for Our Emergency Fund
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42:48Two months ago my youngest son had a freak accident that turned our world upside down. What started as a chipped tooth at school quickly spiraled into multiple surgeries, procedures, and a life-changing injury. I'm taking you behind the scenes of this emotional journey - from that first call from the school nurse to endless visits with specialists …
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Book your complimentary financial consultation sessionhttps://calendly.com/wamalawellness/n...Say hi on social:Instagram: / jacentwamala Disclaimer:Note information shared is for educational purposes only. Thank you for your support!#JacentsWamala #moms #stopworrying
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Moms give me 13 minutes and i'll change your financial habits forever
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13:40Book your complimentary financial consultation sessionhttps://calendly.com/wamalawellness/n...Say hi on social:Instagram: / jacentwamala YouTube Video URL: *Affiliate Disclaimer:Note information shared is for educational purposes only. Thank you for your support!#JacentsWamala #moneymindset #moneycoach…
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#201: Unraveling Your Relationship with Money with Shannah Game
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25:01In this episode, Allison chats with Shannah Game, financial expert and author of "Unraveling Your Relationship with Money." They dive into the deep end of our feelings about money, discussing how emotional and psychological factors impact our financial decisions. This episode is packed with stories and tips on how to manage your money mindfully. Wh…
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#200: Breaking Free from Credit Card Debt in 2025
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30:23In this episode, Allison shares a 4-step strategy that will make a real difference in your financial life and help you break free from credit card debt. These are real steps for real people who want to pay off their credit card debt, stop the debt cycle, and build a healthier relationship with credit. If you're feeling overwhelmed by credit card ba…
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