Beyond The Budget

A podcast about all things personal finance, money behaviors, wise spending, debt-free living, building wealth, and leaving a legacy that matters.

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Episodes

5 days ago

šŸŽ™ļø Beyond the Budget ā€“ Episode 7: Crushing Debt ā€“ Strategies to Pay It Off for Good
Duration: 10ā€“12 minutesHost: Greg, Legacy Financial Coaching
šŸ’„ Episode Overview
Debt doesn't just impact your walletā€”it impacts your freedom, your peace of mind, and your future. In this episode of Beyond the Budget, weā€™re diving deep into two of the most powerful debt payoff strategies: the Debt Snowball and the Debt Avalanche.
Youā€™ll learn how each one works, which one may be best for your personality and situation, and how to get startedā€”because the sooner you begin, the sooner youā€™ll be free.
šŸ”‘ What Youā€™ll Learn
āœ… Why paying off debt is about more than mathāœ… How the Debt Snowball can build momentum through quick winsāœ… How the Debt Avalanche saves the most money over timeāœ… Which method is right for youāœ… Why behaviorā€”not numbersā€”is the key to winning with money
šŸ“Š Debt Payoff Methods Compared
Debt Snowballā€“ Pay off smallest balances firstā€“ Builds motivation with quick winsā€“ Ideal if you need to feel progress early on
Debt Avalancheā€“ Pay off highest interest debts firstā€“ Saves more in interest over timeā€“ Best for those who stay motivated by the numbers
šŸ” Bottom Line: Choose the one youā€™ll stick with consistentlyā€”because winning with money is 80% behavior and only 20% head knowledge.
šŸ“Œ Resources & Links
šŸ’” Free & Premium Budgeting Tool: EveryDollar App
šŸ“… Schedule Your Free Coaching Session: https://calendly.com/legacyfinancialcoach/no-cost-first-sessionĀ 
šŸ“– Article Mentioned: CBS News ā€“ 61% of Americans Live Paycheck to Paycheck
šŸ“£ Call to Action
āœ… Pick a methodā€”Snowball or Avalancheā€”and start today.āœ… Build a monthly budget to create margin.āœ… Book a no-cost consultation if you need guidance on how to begin.
Next week, weā€™re talking income increasesā€”side hustles, raises, and business ideasā€”to help you accelerate your journey toward financial peace.
šŸ’¬ If this episode helped you, please subscribe, leave a review, and share it with someone whoā€™s ready to crush their debt once and for all.
šŸŽ™ļø See you next time on Beyond the Budget!
Ā 
Be Free
Greg
Ā 
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6 - Emergency Funds 101

Saturday Mar 22, 2025

Saturday Mar 22, 2025

šŸŽ™ļø Beyond the Budget ā€“ Episode 6: Emergency Funds 101
Duration: 10ā€“12 minutesHost: Greg, Legacy Financial Coaching
šŸ’„ Episode Overview
Life happensā€”cars break down, medical bills show up uninvited, and your A/C might go out right in the middle of summer. In this episode, weā€™re talking all about emergency fundsā€”what they are, why they matter, how much to save, and where to keep yours.
Whether youā€™re just starting your financial journey or well on your way, an emergency fund is your safety net. Donā€™t wait until disaster strikes to get prepared.
šŸ”‘ What Youā€™ll Learn
āœ… What qualifies as a true emergencyāœ… How much you should save (starter fund vs. fully funded)āœ… Where to park your emergency savingsāœ… How to decide when to actually use your emergency fundāœ… The 3 key questions to ask before touching your emergency stash
šŸ› ļø Practical Steps
Start with $1,000 ā€“ your ā€œstarter fundā€ to keep you out of debt during emergencies.
Build up to 3ā€“6 months of living expenses depending on your situation.
Keep it accessible but separate ā€“ a high-yield savings account is your best bet.
Donā€™t confuse it with other savings goals ā€“ true emergencies only!
šŸ“Œ Ask Yourself Before Using Your Emergency Fund:
Is it unexpected?
Is it necessary?
Is it urgent?
If the answer to all 3 is yes, youā€™ve got a green light.
šŸ“² Resources & Links
šŸŽÆ EveryDollar Budgeting App ā€“ Free and premium options availableGet $10 Off EveryDollar Premium
šŸ“ˆ Want personalized help building your emergency fund or crafting a debt payoff plan?Connect with me at https://calendly.com/legacyfinancialcoach/no-cost-first-sessionĀ 
Nearly 60% of Americans Can't Cover a $1000 Emergency
šŸ Final Thoughts
Whether youā€™re setting aside your first $100 or youā€™re ready to tackle a fully funded emergency reserve, the most important step is to start now. Your future self will thank you.
Next week, weā€™re diving into debt payoff strategiesā€”so if youā€™ve been feeling stuck, overwhelmed, or unsure how to tackle your balances, you wonā€™t want to miss it.
šŸ“£ Donā€™t forget to subscribe, leave a review, and share this episode with a friend who needs to hear it.
šŸŽ™ļø See you next time on Beyond the Budget!
Be Free
Greg
Ā 
Follow Me Here:
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Website: https://www.legacyfinancialcoach.com/Ā 

5 - Fuel for Your Plan!

Saturday Feb 15, 2025

Saturday Feb 15, 2025

Beyond the Budget ā€“ Episode 5: Fuel for Your Plan
šŸŽ™ļø Host: Greg, Your Legacy Coach
ā±ļø Duration: 10-12 minutes
Episode Overview
In todayā€™s episode, weā€™re talking about the fuel that drives your financial planā€”setting financial goals. Without clear goals, your budget is just numbers on a page. But with goals? It becomes a powerful tool to help you achieve the life you want.
Did you know that people who set clear financial goals are 10 times more likely to succeed? šŸš€ If youā€™ve ever felt like financial planning is overwhelming, this episode will give you practical steps to set, break down, and achieve your financial goals.
What You'll Learn:
āœ… Why people resist setting financial goals (and why that mindset is holding you back)āœ… How goal-setting reduces financial stress and increases motivationāœ… The SMART Goals framework for effective financial planningāœ… How to break big financial goals into actionable stepsāœ… Real-life examples of people achieving financial freedom through goal setting
Key Takeaways:
šŸ“Œ "A goal properly set is halfway reached." ā€“ Zig ZiglaršŸ“Š 59% of Americans canā€™t cover a $1,000 emergency expenseā€”but small financial goals can change thatšŸ’° A goal-driven budget gives you MORE freedom, not less!šŸ”¹ The SMART Goals formula: Specific, Measurable, Achievable, Relevant, Time-boundšŸ“– Story Time: How setting an emergency fund goal has helped over 100 Financial Peace University students take their first step toward financial freedom
Action Step:
Write down one SMART financial goal today. Just one! Then, share it with a trusted friend, spouse, or accountability partner. Accountability is the key to success!
Resources Mentioned:
šŸ“Š Bankrate Emergency Savings Study ā†’ Read MorešŸ“ˆ CNBC Financial Stress Survey ā†’ Read MorešŸ“– 92% Don't Achieve Goals. Learn What the Other 7% Do. ā†’ Learn MorešŸ“² Need help creating your financial plan? Schedule a free strategy session with me! Click Here
Next Episode: Building Your Emergency Fund
How much do you really need? How do you start? Iā€™ll break it all down in next weekā€™s episode. Subscribe now so you donā€™t miss it!
šŸŽ§ Enjoyed this episode? Subscribe, leave a review, and share it with someone who needs financial freedom!
šŸ’” Be Free. ā€“ Greg, Your Legacy Coach
#BeyondTheBudget #MoneyManagement #FinancialFreedom #LegacyFinancialCoaching
Ā 
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Website: https://www.legacyfinancialcoach.com/

4 - Where Did My Money Go?

Saturday Feb 01, 2025

Saturday Feb 01, 2025

Episode #4 ā€“ Where Did My Money Go?
Welcome back to Beyond the Budget by Legacy Financial Coaching! In this episode, weā€™re diving into the foundation of any strong financial plan: taking control of your money. If you've ever felt like you're stuck in a cycle of financial emergencies, wondering where your money went at the end of the month, or struggling to make progress, this episode is for you.
Iā€™ll walk you through:āœ… How to create a simple, effective plan for your financesāœ… The key steps to organizing your income and expensesāœ… Common mistakes that keep people stuckā€”and how to avoid themāœ… Why tracking your money is the ā€œsecret sauceā€ to financial success
Plus, Iā€™ll share a real-life success story of a couple who transformed their financial situation and avoided debt simply by being intentional with their money.
šŸ’” Challenge for this week: Take 20 minutes to map out your finances. You donā€™t need fancy toolsā€”just a pen and paper will do!
šŸ”— Resources mentioned:
EveryDollar App ā€“ Get $10 off the premium version
Need personalized help? Book a free consultation
šŸŽ§ Listen now and start taking control of your finances today!
And if this episode helped you, be sure to share it with a friend and leave a reviewā€”it helps others find the show. See you next week!
#BeyondTheBudget #MoneyManagement #FinancialFreedom #LegacyFinancialCoaching
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Website: https://www.legacyfinancialcoach.com/
Ā 

Saturday Jan 18, 2025

Are you ready to take control of your finances and create a roadmap to financial freedom? Our latest episode of [Podcast Name] is LIVE, and itā€™s all about The Importance of a Financial Plan!Ā 
In this episode, we cover:- What a financial plan really is (and why you need one).- How having a plan can reduce stress and keep you focused on your goals.- A real-life success story of how a simple plan transformed a familyā€™s finances.- Actionable steps to start creating YOUR financial plan today.
Your financial goals are closer than you thinkā€”let this episode guide you toward achieving them!
If you found value in this episode, like and subscribe, leave a positive review and share it with a friend whoā€™s ready to level up their finances!
#Podcast #FinancialFreedom #LegacyFinancialCoaching #MoneyMatters #Budgeting #NewEpisode #FinancialGoals
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https://www.instagram.com/legacyfinancialcoach
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Schedule a No-Cost Initial Strategy Session here: https://app.paperbell.com/checkout/packages/109047
Website: https://www.legacyfinancialcoach.com/

2. Importance of Why

Sunday Jan 12, 2025

Sunday Jan 12, 2025

In this episode, weā€™ll explore why your ā€˜Whyā€™ is the key to staying motivated, how to discover yours, and how to keep it front and center as you work toward financial freedom.
Be sure to like, subscribe and share to help expand the reach of the Beyond the Budget podcast.Ā 
Follow Legacy Financial Coaching for:āœ”ļø Practical budgeting and savings tipsāœ”ļø Encouragement to crush your financial goalsāœ”ļø Easy-to-understand guidance on building wealthāœ”ļø Real-life stories to inspire your journeyāœ”ļø Exclusive resources and tools to keep you on track
Your financial future starts today. Let's make it count! šŸš€šŸ‘‰ Follow now and join the community of goal-getters turning their finances around!
#FinancialFreedom #MoneyMindset #LegacyBuilding #BudgetBetter
https://www.facebook.com/1legacyfinancialcoach
https://www.instagram.com/legacyfinancialcoach
https://x.com/1legacycoach
https://www.youtube.com/@legacyfinancialcoach
Schedule a No-Cost Initial Strategy Session here: https://app.paperbell.com/checkout/packages/109047
Website: https://www.legacyfinancialcoach.com/
Ā 

1. The Journey Begins!

Friday Jan 03, 2025

Friday Jan 03, 2025

Welcome to the first episode of Beyond the Budget! Join Greg Carroll as he shares his journey, the mission of Legacy Financial Coaching, and practical steps to achieve financial freedom. Discover how to manage money Godā€™s way and build a lasting legacy. Tune in for inspiring stories and actionable advice to help you become a better steward of your finances! If you'd like to schedule a no-cost initial consultation to find out of coaching is right for you, click here.Ā 
Spread the word by following me on my social media channels:
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Be Free, Greg

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