Episodes

5 days ago
5 days ago
šļø Beyond the Budget ā Episode 7: Crushing Debt ā Strategies to Pay It Off for Good
Duration: 10ā12 minutesHost: Greg, Legacy Financial Coaching
š„ Episode Overview
Debt doesn't just impact your walletāit impacts your freedom, your peace of mind, and your future. In this episode of Beyond the Budget, weāre diving deep into two of the most powerful debt payoff strategies: the Debt Snowball and the Debt Avalanche.
Youāll learn how each one works, which one may be best for your personality and situation, and how to get startedābecause the sooner you begin, the sooner youāll be free.
š What Youāll Learn
ā
Why paying off debt is about more than mathā
How the Debt Snowball can build momentum through quick winsā
How the Debt Avalanche saves the most money over timeā
Which method is right for youā
Why behaviorānot numbersāis the key to winning with money
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
š Bottom Line: Choose the one youāll stick with consistentlyābecause winning with money is 80% behavior and only 20% head knowledge.
š Resources & Links
š” Free & Premium Budgeting Tool: EveryDollar App
š
Schedule Your Free Coaching Session: https://calendly.com/legacyfinancialcoach/no-cost-first-sessionĀ
š Article Mentioned: CBS News ā 61% of Americans Live Paycheck to Paycheck
š£ Call to Action
ā
Pick a methodāSnowball or Avalancheāand start today.ā
Build a monthly budget to create margin.ā
Book a no-cost consultation if you need guidance on how to begin.
Next week, weāre talking income increasesāside hustles, raises, and business ideasāto help you accelerate your journey toward financial peace.
š¬ If this episode helped you, please subscribe, leave a review, and share it with someone whoās ready to crush their debt once and for all.
šļø See you next time on Beyond the Budget!
Ā
Be Free
Greg
Ā
Follow Me Here:
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Website: https://www.legacyfinancialcoach.com/Ā

Saturday Mar 22, 2025
Saturday Mar 22, 2025
šļø Beyond the Budget ā Episode 6: Emergency Funds 101
Duration: 10ā12 minutesHost: Greg, Legacy Financial Coaching
š„ Episode Overview
Life happensācars break down, medical bills show up uninvited, and your A/C might go out right in the middle of summer. In this episode, weāre talking all about emergency fundsāwhat they are, why they matter, how much to save, and where to keep yours.
Whether youāre just starting your financial journey or well on your way, an emergency fund is your safety net. Donāt wait until disaster strikes to get prepared.
š What Youāll Learn
ā
What qualifies as a true emergencyā
How much you should save (starter fund vs. fully funded)ā
Where to park your emergency savingsā
How to decide when to actually use your emergency fundā
The 3 key questions to ask before touching your emergency stash
š ļø Practical Steps
Start with $1,000 ā your āstarter fundā to keep you out of debt during emergencies.
Build up to 3ā6 months of living expenses depending on your situation.
Keep it accessible but separate ā a high-yield savings account is your best bet.
Donāt confuse it with other savings goals ā true emergencies only!
š Ask Yourself Before Using Your Emergency Fund:
Is it unexpected?
Is it necessary?
Is it urgent?
If the answer to all 3 is yes, youāve got a green light.
š² Resources & Links
šÆ EveryDollar Budgeting App ā Free and premium options availableGet $10 Off EveryDollar Premium
š 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
š Final Thoughts
Whether youāre setting aside your first $100 or youāre ready to tackle a fully funded emergency reserve, the most important step is to start now. Your future self will thank you.
Next week, weāre diving into debt payoff strategiesāso if youāve been feeling stuck, overwhelmed, or unsure how to tackle your balances, you wonāt want to miss it.
š£ Donāt forget to subscribe, leave a review, and share this episode with a friend who needs to hear it.
šļø 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

Saturday Feb 15, 2025
Saturday Feb 15, 2025
Beyond the Budget ā Episode 5: Fuel for Your Plan
šļø Host: Greg, Your Legacy Coach
ā±ļø Duration: 10-12 minutes
Episode Overview
In todayās episode, weāre talking about the fuel that drives your financial planāsetting 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? š If youāve 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:
ā
Why people resist setting financial goals (and why that mindset is holding you back)ā
How goal-setting reduces financial stress and increases motivationā
The SMART Goals framework for effective financial planningā
How to break big financial goals into actionable stepsā
Real-life examples of people achieving financial freedom through goal setting
Key Takeaways:
š "A goal properly set is halfway reached." ā Zig Ziglarš 59% of Americans canāt cover a $1,000 emergency expenseābut small financial goals can change thatš° A goal-driven budget gives you MORE freedom, not less!š¹ The SMART Goals formula: Specific, Measurable, Achievable, Relevant, Time-boundš 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:
š Bankrate Emergency Savings Study ā Read Moreš CNBC Financial Stress Survey ā Read Moreš 92% Don't Achieve Goals. Learn What the Other 7% Do. ā Learn Moreš² 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? Iāll break it all down in next weekās episode. Subscribe now so you donāt miss it!
š§ Enjoyed this episode? Subscribe, leave a review, and share it with someone who needs financial freedom!
š” Be Free. ā Greg, Your Legacy Coach
#BeyondTheBudget #MoneyManagement #FinancialFreedom #LegacyFinancialCoaching
Ā
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Website: https://www.legacyfinancialcoach.com/

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, weāre 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.
Iāll walk you through:ā
How to create a simple, effective plan for your financesā
The key steps to organizing your income and expensesā
Common mistakes that keep people stuckāand how to avoid themā
Why tracking your money is the āsecret sauceā to financial success
Plus, Iāll share a real-life success story of a couple who transformed their financial situation and avoided debt simply by being intentional with their money.
š” Challenge for this week: Take 20 minutes to map out your finances. You donāt need fancy toolsājust a pen and paper will do!
š Resources mentioned:
EveryDollar App ā Get $10 off the premium version
Need personalized help? Book a free consultation
š§ 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 reviewāit 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
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 itās 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 familyās finances.- Actionable steps to start creating YOUR financial plan today.
Your financial goals are closer than you thinkālet 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 whoās ready to level up their finances!
#Podcast #FinancialFreedom #LegacyFinancialCoaching #MoneyMatters #Budgeting #NewEpisode #FinancialGoals
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Schedule a No-Cost Initial Strategy Session here: https://app.paperbell.com/checkout/packages/109047
Website: https://www.legacyfinancialcoach.com/

Sunday Jan 12, 2025
Sunday Jan 12, 2025
In this episode, weāll explore why your āWhyā 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:āļø Practical budgeting and savings tipsāļø Encouragement to crush your financial goalsāļø Easy-to-understand guidance on building wealthāļø Real-life stories to inspire your journeyāļø Exclusive resources and tools to keep you on track
Your financial future starts today. Let's make it count! šš Follow now and join the community of goal-getters turning their finances around!
#FinancialFreedom #MoneyMindset #LegacyBuilding #BudgetBetter
https://www.facebook.com/1legacyfinancialcoach
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Schedule a No-Cost Initial Strategy Session here: https://app.paperbell.com/checkout/packages/109047
Website: https://www.legacyfinancialcoach.com/
Ā

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 Godās 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