Elizabeth Ayoola

And sometimes based on listening to questions as well.

Yeah, they don't know where their money is going.

They are afraid to check their accounts and they just keep spending because of that cycle you said, right?

You're overspending.

You know you're overspending.

You're too scared to check.

You feel terrible about it and you make yourself feel better by spending more.

What was your dominant emotion when you logged into your account and then realized you had that huge tax bill and saw where all of your YOLO took you financially?

That too!

And then now you're resetting everything.

Oh, my God.

To be granular, because sometimes we talk about this transformation, you know, when we go from maybe overspending to managing our money better.

But what are the little daily things that you did to get to better habits around checking your money and also budgeting?

What are the little tweaks?

Because like you said, it doesn't happen overnight.

You don't just see this huge bill and go, oh, my God, I'm going to stop spending.

You've built habits over time, right?

It is.

Because if you ain't got enough in there, womp womp.

And I love that you've still been able to be true to yourself because the things that you were doing that got you into that debt, you still do them because they bring you joy, but you just do it within your budget now, it sounds like, right?