City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women
Episodes
6 Ways to Assess Your Goal Progress and Set Better Goals
22 Dec 2025
Contributed by Lukas
As the year winds down, I always find myself in reflection mode—looking back at the goals I set at the beginning of 2025, evaluating what went well,...
My Personal and Business Goals for 2026
15 Dec 2025
Contributed by Lukas
Wow, how is it that another year is almost behind us? The older I get, the more I feel like time is just flying by, and if you're not intentional abou...
10 Quick Financial Wins to Achieve Before the Year Ends
08 Dec 2025
Contributed by Lukas
We're officially in the final stretch of the year, and you know what that means: holiday parties, family gatherings, and probably a little too much sp...
Pleasing Yourself Instead of Others with Therapist Jamila Holcomb
01 Dec 2025
Contributed by Lukas
I tell my money coaching clients all the time that if their health isn't right, it doesn't matter how great their money is—they won't be able to mak...
5 Financial Blessings You May Be Overlooking
24 Nov 2025
Contributed by Lukas
November is such a wonderful month, not just because of the cozy weather or fall vibes (although those are great), but because it's a season where we ...
6 Strategies to Maximize Every Dollar You Make
17 Nov 2025
Contributed by Lukas
Before you're ready to make more money, you must master the money you currently have, and I will die on this hill. Here's the truth many people don't ...
Not Burned Out, But Not Excited? How to Move Through the In-Between
10 Nov 2025
Contributed by Lukas
Feeling stuck between where you are and where you want to be? You're not alone. Many high-achievers experience this 'in-between' phase…not quite bur...
How to Start a Profitable Side Hustle with Coach Latasha Peterson
03 Nov 2025
Contributed by Lukas
Building multiple income streams is no longer optional…it's essential for financial freedom. The average millionaire has 7 income streams, and side ...
My Journey to a Regulated Nervous System
27 Oct 2025
Contributed by Lukas
Chronic stress and burnout are epidemic among entrepreneurs and high-achievers. In 2025, prioritizing nervous system regulation isn't just wellness - ...
Setting Your Finances Up for Success During the Holidays
20 Oct 2025
Contributed by Lukas
Holiday spending doesn't have to derail your budget or financial goals. Every year, Americans overspend by thousands during the holiday season, but wi...
Celebrating 200 Episodes – Raya's Favorite Episode Roundup
13 Oct 2025
Contributed by Lukas
Celebrating 200 episodes of personal finance education and money management tips! Since launching in January 2022, the City Girl Savings Podcast has h...
Taking Responsibility for Your Finances with Shannon Ryan
06 Oct 2025
Contributed by Lukas
When it comes to personal finance and wealth building, no one is coming to save us. Women need to take ownership of their financial planning and money...
7 Ways to Enhance Your Money Mindset with Proper Fuel
29 Sep 2025
Contributed by Lukas
Just like our bodies need fuel to thrive, our mindsets need the right inputs to grow, especially when it comes to money. Feeding your money mindset wi...
5 Important Reasons to Shift Your Limiting Beliefs to See Success
22 Sep 2025
Contributed by Lukas
What if the only thing standing between you and success is what you believe about yourself? Wouldn't you shift that belief so that you and success wer...
10 Books to Read to Level Up Your Life and Money
15 Sep 2025
Contributed by Lukas
There is so much information out there, and sometimes, you have to be willing to seek it. When it comes to my life and money, I'm always seeking out e...
How Mastering Self-Discipline Has Helped Me Reach New Levels
08 Sep 2025
Contributed by Lukas
I've accomplished a lot in my life and while there is still more I want to do, and by no means do I think I'm perfect, I do feel like I've mastered se...
Think Like an Executive with Coach Latesha Byrd
01 Sep 2025
Contributed by Lukas
Women are running businesses, households, finances, relationships and careers. That alone makes us leaders. Combine all we have to do in our personal ...
6 Productive Ways to Manage Your Money in 10 Minutes a Day
25 Aug 2025
Contributed by Lukas
With all the things we have going on in our lives, it can be hard to find the time to be productive. And while I'm a firm believer in "good things tak...
5 Ways to Overcome Analysis Paralysis and Start Taking Action
18 Aug 2025
Contributed by Lukas
Have you ever wanted to do something but didn't know what step to take first, so you start researching? Before you know it, research leads to too mu...
Behind-the-Scenes of the CGS Team Retreat
11 Aug 2025
Contributed by Lukas
I started City Girl Savings back in 2015, while I didn't go-full time with running the business until 2021, I've had women working for me long before ...
Pursuing Productivity with Non-Profit CEO and CGS Client Tiffany Tate
04 Aug 2025
Contributed by Lukas
Is it just me, or does life almost seem to feel like one big balancing act? Between work, school, kids, families, partners, relationships, businesses,...
Mind Over Money: How a Healthy Mindset Fuels Financial Success
28 Jul 2025
Contributed by Lukas
Part of my success in life has been attributed to seeing what I want and believing it's possible for me. Having a vision of what I want, where I wan...
5 Credit Habits to Cultivate a Strong Financial Foundation
21 Jul 2025
Contributed by Lukas
As someone who has been in and out of debt multiple times, but now actively maintains an 800+ credit score, I can honestly say that credit plays a hug...
2025 Mid-Year Personal and Business Goals Check In
14 Jul 2025
Contributed by Lukas
I can't quite believe it, but we've reached the halfway point of another year. 2025 has been a whirlwind, and I know I'm not the only one who feels th...
How Women Can Build Healthier Habits with Fitness Coach Michael Williams
07 Jul 2025
Contributed by Lukas
As I've gotten older, I've seen and felt the importance of maintaining a healthy, active lifestyle. Not only do you feel better in the present, but yo...
5 Ways to Reset Your Money Goals for the Rest of the Year
30 Jun 2025
Contributed by Lukas
Are you on track with your money goals for this year? If you're listening to this episode in real-time, then we're wrapping up the first half of the y...
Fighting Summer FOMO: 5 Hacks that Keep Me on Track with My Budget and Goals
23 Jun 2025
Contributed by Lukas
There's no denying that Summer brings the "let's be OUTSIDE" energy! The sun is usually shining, the pool is calling our names, and the days are longe...
Why Summer Is the Perfect Time to Reevaluate Your Spending Habits
16 Jun 2025
Contributed by Lukas
Who doesn't love summer vibes?! Remember the days when summer meant no school and nothing to do? Oh, how I miss those times! I used to live my best li...
6 Ways to Set Financial Boundaries and Stick to Them
09 Jun 2025
Contributed by Lukas
Here's the thing: we all need boundaries. In our health, work, relationships, and finances…we need boundaries. Boundaries are there to protect your ...
Fostering a Healthy Relationship with Your Body with Dr. Lisa Folden
02 Jun 2025
Contributed by Lukas
I've officially made it to my mid-30s and can honestly say that my body no longer functions like it did when I was in my early 20s. Back then, I could...
Daily Routines That Set You Up for Life and Money Success
26 May 2025
Contributed by Lukas
I'm a Virgo, so I thrive on routines and structure. I know that isn't the case for everyone, but I do know that routines and structure with money can ...
5 Ways Budgeting Can Be the Key to Living the Life You've Always Wanted
19 May 2025
Contributed by Lukas
If I had to choose just one financial tool to improve my situation, hands down, it would be a budget. The course of my life changed with a budget near...
Finding Peace in Your Finances: 5 Steps to Eliminate Money Anxiety
12 May 2025
Contributed by Lukas
Did you know that 40 million U.S. adults suffer from anxiety disorders? That's about 19% of the population and whether you are included in that statis...
Creating a Life You Love with Entrepreneur and Comedy Writer Catie Hogan
05 May 2025
Contributed by Lukas
Here's the thing. We only have this one life here on earth. And since our time is so limited, it should be filled with things that bring us true happi...
7 Ways to Appreciate What You Have and Attract Abundance
28 Apr 2025
Contributed by Lukas
Have you ever been intentional with consistent gratitude? Meaning, every day you acknowledge the things you're grateful for, for an extended period of...
Money Mindset Makeover: How to Start Thinking Like a Wealth Builder
21 Apr 2025
Contributed by Lukas
The one thing you need, more than anything else, to change your finances, or your life, for the better is the right mindset. Your mindset makes all th...
5 Budgeting Myths Millennial Women Need to Stop Believing
14 Apr 2025
Contributed by Lukas
In my over-a-decade of experience with budgeting, for myself and helping others, I've come across a myriad of reasons, excuses, fears and inaccurate r...
Personal Finance Planning for Women with Mabel of Girls on the Money
07 Apr 2025
Contributed by Lukas
Long gone are the days where we put our financial wellbeing into someone else's hands. Not only do most financial advisors prefer working with individ...
Rewind: Financial Education versus Financial Experiences
31 Mar 2025
Contributed by Lukas
In this week's City Girl Savings podcast episode, and the final of our rewind series, we're rewinding to an episode recorded just last year – Financ...
Rewind: Why You Need to Pay to Get Better with Money
24 Mar 2025
Contributed by Lukas
In this week's City Girl Savings podcast episode, we're rewinding to another more seasoned episode, recorded in the second year of this podcast – Wh...
Rewind: 9 Ways to Manifest More Money into Your Life
17 Mar 2025
Contributed by Lukas
In this week's City Girl Savings podcast episode, we're rewinding to a more seasoned episode, recorded in the second year of this podcast – 9 Ways t...
Rewind: How to Stop Holding Yourself Back with Money
10 Mar 2025
Contributed by Lukas
In this week's City Girl Savings podcast episode, we're rewinding to an episode in the early stages of this podcast – How to Stop Holding Yourself B...
Rewind: How I Curbed My Desire to Spend
03 Mar 2025
Contributed by Lukas
In this week's City Girl Savings Podcast episode, the first of our rewind series, we're rewinding to one of my first episodes of the podcast – How I...
7 Ways to Be More Mindful with Your Money
24 Feb 2025
Contributed by Lukas
When I first start working with my money coaching clients, I set the expectation that the first month of our budgeting and tracking together is more a...
How to Start Thinking Long-Term with Money
17 Feb 2025
Contributed by Lukas
Do you constantly find yourself saying "I'm only young once" or "I'll figure out how to make more money later" or any other combination of short-term,...
5 Toxic Money Habits to Break ASAP
10 Feb 2025
Contributed by Lukas
When it comes to your money, certain habits and behaviors can negatively impact your bottom line. In financial terms, your "bottom line" essentially m...
Plan, Prepare and Organize Your Finances with Alaina Fingal
03 Feb 2025
Contributed by Lukas
When it comes to your finances, organization is everything. In fact, organization is everything in EVERY area of your life! An organized life helps yo...
6 Ways to Make Your Money Work Better for You
27 Jan 2025
Contributed by Lukas
If you're using money to the detriment of your situation, it's doing more harm than good…no matter how exciting it feels in the moment. While I trul...
My Best Tips for Setting and Achieving Goals
20 Jan 2025
Contributed by Lukas
Can I share a "fun fact" about myself with you? I've been setting goals since I was a child. Obviously, at the time, I didn't really know they were go...
How I'm Stepping into the Next Best Version of Me
13 Jan 2025
Contributed by Lukas
One thing you probably know about me by now is that I'm always trying to improve. I'm always working towards new goals, new levels and being better th...
Building and Protecting Your Wealth with Brittney Castro
06 Jan 2025
Contributed by Lukas
There is nothing wrong with wanting to be a wealthy individual. I REPEAT: There is nothing wrong with wanting to be a wealthy individual. The more wea...
10 Years in Business: Growth, Lessons and More
30 Dec 2024
Contributed by Lukas
If I think back to 10 years ago today, I was literally days away from launching City Girl Savings! I had come up with the idea for City Girl Savings n...
5 Empowering Reasons to Prioritize Your Money Next Year
23 Dec 2024
Contributed by Lukas
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...
My Personal and Business Goals for 2025
16 Dec 2024
Contributed by Lukas
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 ...
6 Ways a Money Coach Can Turn Your Life Around
09 Dec 2024
Contributed by Lukas
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...
Navigating Life and Money After Divorce with Attorney Ashley Nicole Green
02 Dec 2024
Contributed by Lukas
I don't think anyone goes into a marriage thinking it could eventually end. However, life happens. Sometimes, things don't work out as we hope or plan...
7 Things I'm Grateful For in My Life
25 Nov 2024
Contributed by Lukas
I don't know about you, but the end of the year always puts me in a state of gratitude and reflection. Gratitude for all that has happened in the ye...
Money Systems to Set Up Before the Year Ends
18 Nov 2024
Contributed by Lukas
If you're listening to this episode when it's released, we're about six weeks away from the new year. I love everything about this time – wrapping u...
5 Times I Pushed Past My Comfort Zone and Reached New Levels
11 Nov 2024
Contributed by Lukas
Great things happen on the other side of our comfort zones. I've talked about this before on the podcast and I believe it wholeheartedly. Over the cou...
Money and Sustainable Living with Author Kara Perez
04 Nov 2024
Contributed by Lukas
Overconsumption, consumerism, and materialism – all things our society tends to put on a pedestal. Not only does this cause people to overextend the...
6 Reasons Not to Go into Debt During the Holidays
28 Oct 2024
Contributed by Lukas
If you're anything like old Raya, the holidays can put a hurting on your budget. Between Christmas gifts, personal gifts, stocking stuffers and sales ...
Making the Mindset Shift from Spender to Saver
21 Oct 2024
Contributed by Lukas
If you're new to the City Girl Savings community, then I need you to know that while I may be a finance coach and the founder of City Girl Savings, I ...
5 Budget Adjustments to Make in the Fall
14 Oct 2024
Contributed by Lukas
Fall is my favorite season! The weather is cooling down, pumpkin spice lattes are flowing, and the holidays are around the corner! There are so many w...
The Rise of Financial Coaching with Nicole from Arise Financial
07 Oct 2024
Contributed by Lukas
I've been a finance coach since 2016 and since then, I've seen a huge increase in the number of financial coaches offering services. This is a great t...
6 Habits and Routines That Help Me Manage My Time
30 Sep 2024
Contributed by Lukas
One thing I pride myself on is my ability to manage my time and get things done. I've always been the type of person who does what she says she's goin...
Why the FIRE Movement is Too Extreme for Me
23 Sep 2024
Contributed by Lukas
Financial Independence, Retire Early (also known as FIRE) is a movement devoted to extreme saving and investing in the present so that a person can re...
5 Things You Can Do to Give Yourself More Time Back in the Day
16 Sep 2024
Contributed by Lukas
Is it just me, or does it feel like the older we get, the less time we seem to have? Like the time we do have just flies by in the blink of an eye. I ...
My Travel Bucket List and Destination Experiences
09 Sep 2024
Contributed by Lukas
If you know me, then you know I love to travel. Long ago, when I was forced to identify my life's priorities, I came to the realization that travel an...
Building a Wardrobe on a Budget with LA Stylist Emily Burnette
02 Sep 2024
Contributed by Lukas
There is absolutely a way to be stylish on a budget. Raya in her 20s would've said "you're wrong". My past self didn't care about a budget when trying...
How Managing My Money Has Boosted My Confidence
26 Aug 2024
Contributed by Lukas
I've been budgeting and managing my money for a long time. I've learned so much about myself along the way, and finally getting into a rhythm with my ...
6 Money Fears Hurting Your Success
19 Aug 2024
Contributed by Lukas
In simple terms, fear is the response to perceived physical or emotional danger. Fear is your brain's way of recognizing a threat and prompting you to...
5 Money Principles Everyone Should Follow
12 Aug 2024
Contributed by Lukas
Money runs our lives. I don't mean that in a bad way, but in a matter-of-fact way. We need money to survive. We need money to enjoy our lives. Everyth...
Mastering Your Money with Credit with Christina Roman of Experian
05 Aug 2024
Contributed by Lukas
Credit, when managed the right way, can help anyone take control of their money. Leveraging credit can give you access to cash, save you money, and he...
The Pros and Cons of Renting Out Properties
29 Jul 2024
Contributed by Lukas
The rise of real estate investing in social media has been a popular topic of conversation…and for good reason. There are a lot of amazing things th...
5 Fashion Statement Pieces I Want to Budget For
22 Jul 2024
Contributed by Lukas
Where are my fashion girlies at?! This one's for you! 15 years ago, I didn't budget or plan for anything. I would buy a new outfit every week, in prep...
The 6 Things I Monitor in My Money Situation
15 Jul 2024
Contributed by Lukas
Over the years of budgeting and managing my money, I've come across a few key indicators of growth in my situation. Now, I make it a point to monitor ...
2024 Mid-Year Personal and Business Goals Check In
08 Jul 2024
Contributed by Lukas
There was a point in my life where I would set big goals and not check-in on them. I would keep them top of mind but only assess my progress once the ...
Buying Your First Rental Property with Antonio Cucciniello
01 Jul 2024
Contributed by Lukas
Depending on where you are in your financial situation, buying your first rental property (or any property for that matter) may seem light years away....
7 Bad Money Habits Keeping You Broke
24 Jun 2024
Contributed by Lukas
No one actually wants to live paycheck to paycheck, but they also don't want to stop the habits that are keeping them in that vicious cycle. When it c...
How to Use Credit Cards to Fund Your Vacations
17 Jun 2024
Contributed by Lukas
Have you heard of the term "travel hacking"? If not, you're not alone. I was introduced to the concept of travel hacking over two years ago by a...
5 Ways to Take Your Savings Strategy Up a Notch
10 Jun 2024
Contributed by Lukas
While saving money just to save is better than not saving any money at all, you could be missing out on opportunities to maximize your savings efforts...
Budgeting Multiple Six Figures with CGS Client Rachel
03 Jun 2024
Contributed by Lukas
While making a lot of money may seem like the answer to your problems, if you're not managing it well, you won't have anything to show for it. Just as...
Simplify Your Money Situation in 6 Steps
27 May 2024
Contributed by Lukas
As hard as it may be for you to believe, money doesn't have to be complicated. Sure, there are complexities with anyone's money situation, but there a...
6 Tips to Help You Organize Your Finances
20 May 2024
Contributed by Lukas
There's nothing like an organized life. I'm talking about an organized home, an organized office, organized finances, and overall organization as a pa...
5 Life Lessons I Learned from My Mom
13 May 2024
Contributed by Lukas
Good or bad, we learn so much from our parents. Whether we end up being just like them or the opposite, there's no doubt that our parental interaction...
Motherhood and Money with Sahirenys Pierce of Poised
06 May 2024
Contributed by Lukas
Managing finances for a single person is hard enough, so you can imagine how managing finances for a household is an even bigger feat! While I'm curre...
Financial Wellness Check: 10 Things to Have in Place
29 Apr 2024
Contributed by Lukas
According to a MarketWatch report, about 49% of Americans are "concerned, anxious or fearful about their current financial wellbeing". For a money coa...
5 Reasons Not to Blame Yourself for Past Money Mistakes
22 Apr 2024
Contributed by Lukas
No one is perfect with money. Let me say that again for the folks in the back: no one is perfect with money! We all make mistakes in finances and in l...
Financial Education versus Financial Experiences
15 Apr 2024
Contributed by Lukas
My degree is in finance, but it wasn't until I had learned from terrible money experiences that things started to improve. Seriously, from 18-21, I wa...
How I Paid Off My Dream Car (Lexus RX350)
08 Apr 2024
Contributed by Lukas
I paid off my dream car! OMG! It was one of my goals for 2024 and I got it done first thing. Mostly because I was so close to being done with the loan...
Focusing on Your Finances with Aunt Kara
01 Apr 2024
Contributed by Lukas
April is Financial Literacy month, and what better way to kick off this month than by putting all the focus on your finances! Whether you're just dipp...
How I Grew My Business While Working Full Time in Corporate
25 Mar 2024
Contributed by Lukas
City Girl Savings launched January 1st 2015, but I didn't end up going full-time until May of 2021. That's nearly 6 and a half years where I was worki...
5 Smart Ways to Leverage Extra Money
18 Mar 2024
Contributed by Lukas
You were blessed with extra money – how exciting! Maybe it was an unexpected bonus, commission check or tax refund. However the extra money came you...
6 Signs You're Ready to Start Investing
11 Mar 2024
Contributed by Lukas
There's no denying that investing is one of the best ways to build true wealth. You can save money your entire life, but nothing beats the power of co...
Mindset Shifts to Level Up Your Career with Eliana Goldstein
04 Mar 2024
Contributed by Lukas
If I'm being honest, working my way up the corporate ladder was exciting and a major confidence boost. If I didn't feel that City Girl Savings was my ...
Intentional Spending Ideas to Feel Fulfilled
26 Feb 2024
Contributed by Lukas
Money doesn't buy happiness. I firmly believe that. But, I also believe that money buys you options…and having the option is what breeds happiness. ...
7 Reasons to Start Journaling and Prompts to Get You Started
19 Feb 2024
Contributed by Lukas
I started consistently journaling back in 2018. The benefits that have come over time through consistent journaling are truly amazing. I eventually wa...
How I Protect My Peace and Why It's So Important
12 Feb 2024
Contributed by Lukas
As I've gotten older, I realize there's nothing more important than my peace…and protecting it at all costs. I used to spend time with people who th...
How to Heal Your Past and Unlock Your Potential with Asia Hilario
05 Feb 2024
Contributed by Lukas
One thing I've learned over time is that ignoring your past traumatic experiences and running from the feelings gets you nowhere. Acknowledging your i...
Money Moves to Start Implementing Now
29 Jan 2024
Contributed by Lukas
The time is now to build the life of your dreams! We're living in a time where women are making more, out-earning their partners, investing for the lo...