Lauryn Williams

speaker

182 appearances 1 recordings 1 series first heard Jul 2026 last heard 13 Jul

Lauryn Williams’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.

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Life Kit · A financial planner's advice for spending without guilt · 13 Jul 2026 podcast

But now I got to go find 300 other dollars.

But I don't have to end up in credit card debt.

I don't have to let this be something I pay for for the next six years.

I just have to say, hey, there's something else that I was probably going to do later on this month or in the next couple months, because like I said, those tickets are not till December.

Where I can cut those out and I can still come out in the green as long as I look at it like that, as long as I'm proactive in thinking about, you know, OK, I did something impulsive in the moment.

Let's just regulate going forward.

And so those little small steps, that little bit of progress, I think makes a big difference.

Like you said, it's one thing that I did that wasn't necessarily right or aligned with what I plan to do.

But it doesn't make me a bad person.

And it doesn't have to ruin my whole financial picture.

It's not that I'm not going to retire because I bought these tickets to the concert.

We're always focusing on the guilt piece of the puzzle.

What good came out of the thing that you're feeling guilty about is a good first step to take as well.

And then educate myself so that something like this doesn't happen in the future and I can feel more confident in my financial situation going forward.

I never, ever recommend that people deprive themselves of all fun and joy, even when you're focusing on debt.

So there's some talking heads out there that would tell you, you know, eat beans and rice, look at the wall, don't leave the house.

You know, just suffer until you've paid off all your debt, as an example.

That is not the way that I like to budget.

You should always have a space for saving and you should always have a space for yourself.

you need a discretionary spending bucket.

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