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Miko Love is an Accredited Financial Counselor and founder of The Budget Mom, LLC, a blog, YouTube channel, and hub for people to improve their financial lives through budgeting. Her claim to fame came from a low point after finding herself divorced and a newly single mom. Miko got busy putting together a financial plan and paid off over $77,000 in 8 months and growing a thriving business and community helping others better their lives too.

In this episode we talk about:

• How money was talked about when Miko was a kid
• Why monthly budgeting didn’t work for her
• Getting into a motorcycle accident and finding out she was pregnant 2 weeks after
• The “Come to Jesus moment” Miko had after having her son
• Why side hustling was important for paying down debt
• Doing a no-clothes binge for a year and why that was impactful for Miko’s personal and financial life
• How she hopes to further her debt-free business
• Her current goal of buying a home in cash

Resources

Miko’s Website

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#MoneyWin

Kate– “Just made my last car payment!I AM 100% DEBT-FREE for the first time as an adult!!!” #Moneywin

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About Our Guest

Ryan Inman is a fee-only advisor specializing in helping physicians and residents navigate student loans, residency, and becoming high income earners without the lifestyle inflation. Ryan graduated from the University of San Diego (USD) with a BA in Business Administration, an MA in Accounting and Financial Management, and an MA in Business Administration. He is host of Financial Residency podcast and works with clients at PhysicianWealthServices.com

In this episode we talk about:

• Why Ryan chose working with physicians as his niche
• Going against the grain with family norms
• Unique financial problems that physicians face
• Strategies to consider for reducing medical school debt
• How lifestyle creep affects physicians and other high income earners
• Tips for staying level headed when adapting to new levels of income
• Keeping perspective while budgeting

Resources

Listen in to Financial Residency Podcast

Learn more about working with Ryan

#MoneyWin

Priscilla- “Hi Whitney, I just wanted to say THANK YOU so much. Thanks to you and all your insights, yesterday I paid off my third credit card!! So far this year I have paid off $16,000 in debt!!! I can’t even believe it! All ur tips on side hustles and working ur ass off and staying focused on the end goal has surely paid off. I used the snowball effect to pay my debts off starting with the smallest CC at $4000, then my last two were $6,000 each. I’ve been Uber Eats driving, selling homemade crackers and hummus and also just sticking to my budget to the letter … and boy has it paid off!!! I have one last loan of $15,000 to go and if I continue to hustle like I have been, it will be paid off by the end of the year?!?! I have been carrying around these debts for so many years and it has kept me trapped in a lacklustre job and life, I cannot wait to be free of it all so I can forward with my life!! Anywhoooo, I’m so happy I discovered you in January bc it has been life changing!! Not only in becoming debt free but also changed my mindset about money. I mean, I use to get CC’s and loans based on whether I could afford the repayments?!? 🤷🏼‍♀️🤷🏼‍♀️🤦🏽‍♀️🤦🏽‍♀️🤦🏽‍♀️ I didn’t care that I would be paying thousands in interest on each …. Anywhoooo, like they say, you live and you learn and I have definitely learnt my lesson!! Thanks again Whitney 🥳” #moneywin

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Ashley Patrick is a Ramsey Solutions Master Financial Coach and owner of BudgetsMadeEasy.com. She helps families eliminate debt using simple strategies so they can stress less and live the life they want. She started her blog after paying off $45,000 in debt in 17 months. She worked as a police officer until leaving her stressful job to stay at home with her three kids.

In this episode we talk about why taking a 401k loan can be dangerous, the first step Ashely took to pay off the debt she had from a home reno, how she stayed motivated while paying down debt, tips for people who don’t want to feel like they are sacrificing everything while getting rid of debt, prioritization strategies, and her career in law enforcement and handling mental health.

Resources

Ashley’s Website

#MoneyWin

Claire– “I did it!!! I have been following this podcast for 2 years now and using it as inspiration to pay off debt. I’m officially debt free!” #moneywin