January 2, 2025 • 11 mins
In this episode of the Money and Career Mastery podcast, abundance and legacy coach Laura Sexton introduces a new era for the show, focusing on transitioning from overwhelmed to ownership in 2025. Laura shares insights on smart money moves, including building an emergency fund, paying down debt, and maximizing employer benefits. She also emphasizes the importance of leveraging technology for budgeting, investing wisely, and tapping into your network for financial and career growth. Tune in for practical tips and strategies to gain financial freedom, career clarity, and build a lasting legacy.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Laura (00:02):
hello and welcome to money and career mastery from
overwhelmed to ownership.
I'm Laura Sexton, your abundanceand legacy coach here to help
you navigate the world of money,debt payoff, and career growth
with confidence and clarity.
In this podcast, we'll tacklethe financial and career
challenges, holding you back,optimize your income and build
(00:22):
the freedom that comes with trueownership.
If you're ready to break freefrom overwhelm, create a budget
that aligns with your values anddesign a legacy that empowers
future generations.
You're in the right place.
Hello accelerators and welcometo the money and career mastery
podcast.
We are going to be talking aboutwhat it looks like to go from
(00:44):
overwhelmed to ownership for therest of the year.
We're going to talk quicklyabout the beginning of this new
era of the podcast.
But then I'm going to get intosmart money moves for you in
2025.
This is all about a fresh startfor you.
And so we're going to talk about2025, what it means for the
podcast and what it means foryou.
This past year on the podcasthas been absolutely amazing, and
(01:09):
we've talked about all kinds ofthings.
We have talked about sinkingfunds, which was the 1st episode
of 2024.
We have talked about a lot ofdifferent books as well that I
have read that have been greatfor learning and growing.
The Psychology of Money,""DieWith Zero." There's so many, and
I plan on having a lot more thisyear as we move into the career
(01:33):
space, as well as just moneyspace, we have gone on a
journey.
From scarcity to abundance, fromoverwhelmed to in control.
And that is what we are going tobe talking about this year.
This last year, I have hadlessons that I have shared with
you from a Justin Timberlakeconcert from 7 Eleven, from the
(01:55):
Declaration of Independence.
We have talked about financialresilience and financial
independence and financialintrospection.
And if you don't know whatintrospection is, you should
take a long, hard look atyourself.
Yes, it is one of my favoritejokes.
We have been all about legacybuilding and nothing about that
(02:16):
is going to change.
This year in 2025, we're goingto go from overwhelmed to
ownership in our money, in ourcareer.
And in our mindset, we're goingto talk about what it means to
get all of these pieces underour control.
When we own our decisions andour habits, we can conquer
(02:40):
anything.
And when we have money in thebank, we have real freedom.
And when we have ownership ofour homes, and ownership of our
jobs, we get to be solely incharge.
So I am shifting from accelerateyour legacy to the money and
career mastery podcast.
(03:03):
And I'm so excited that you werealong on this journey with me.
There is a new name to thispodcast, but the mission remains
the same.
We are working on financialfreedom, career clarity, and
legacy building.
In 2025, we are going to focuson topics like debt payoff,
(03:25):
optimizing income, careergrowth, and legacy creation.
There are going to be some newthings that we haven't had
before.
We're going to do some miniseries.
We're going to have interactiveresources.
I'm going to bring on more guestexperts than ever before.
But this episode isn't justabout the new podcast.
This episode is also about you.
(03:45):
So let's get into it, guys.
What are some smart money movesthat you can be making in 2025?
There are some practical ways toutilize your money and we're
going to do it effectively.
That's going to start withmaking sure you have an
emergency fund by controllingwhat you can control.
We can make most emergenciesfeel like an inconvenience.
(04:09):
Last month, my husband was goingto work.
He leaves for work before thesun comes up.
Usually, he leaves before fiveo'clock in the morning and I got
a call from him at 515.
I was like, well, that's reallyweird.
And he called me and said, Hey,I'm on the side of the road.
I've blown a tire.
I need to call AAA.
I just wanted to let you know.
(04:30):
He, changed the spare, but thespare was low.
So he had to call AAA for help.
And it was just one of thosethings where I was so worried
about him.
I was like, if somethinghappened to him, he's a very,
very skilled driver.
He's been through many differentcourses.
And so he can drive aroundanything.
And I was confused.
(04:50):
I said, well, what happened?
He said, there are about eightor nine cars on the side of the
road.
I called CHP, California HighwayPatrol, and asked them to come
clear the road, clear whateverthis thing is.
And apparently whatever it was,it took out about 10 different
cars.
Tow truck guy was feeling goodthat day, but the people on the
side of the road were not.
(05:12):
And when he took it to thedealership and they said 640, To
get four new tires.
I said, okay.
We're at a place in our lifewhere an emergency, what would
have been devastating to usbefore, is now just an
inconvenience.
(05:32):
This is the power of ownership,friends.
This is where we're going.
So you need to have an emergencyfund.
This needs to be something thatyou have as a goal for yourself
in 2025.
Maybe 2025 is the year forinvesting for you.
Are you ready to start puttingmoney into the market and have
it work for you?
The returns last year wereinsane.
(05:53):
There was something going onwhere interest rates were going
up, but the market was too.
And I don't expect it to be thatway ongoing.
There's always fluctuations inthe market.
It always goes up, it alwaysgoes down, but it always keeps
going up.
Maybe this is your year to getinto investing, but before you
get into investing, I want youto make sure that you have paid
(06:14):
down all of your debt.
Make sure that there's nothingholding you back, nothing that
is taking control of you andtells you what you can and
cannot do with your money.
Get your debt paid off in 2025.
Be debt free.
Take a hundred percent ownershipof the income that is coming in.
Do not share it with the banks.
(06:35):
It is your money.
Another really great thing thatyou can do this year is go ahead
and maximize the resources thatyou have at your job.
You have employee benefits thatyou need to dig into and see
what they have for you.
My husband's company pays formembership, not only for him,
but for myself as well.
(06:56):
Is there something like that atyour company?
Does your company pay for afinancial coach?
Do you have financial wellnessbenefits?
If not, you might want to reachout to me and let's figure out
how we can get that as anemployee benefit at your
company.
Working with a financial coachis something that a lot of
companies would like to offer totheir employees, but they just
Don't know that financialwellness is a thing and it is.
(07:18):
So utilize all the benefits thatyour employer has for you.
That's not just your 401k, whichI would love for you to be
investing in.
That's also your health benefitsthat could be any kind of other
wellness benefit as well.
See what they have to offer andutilize it.
Pay attention to tax advantagedprograms.
(07:38):
If you do not work with a taxprofessional, this may be the
year for you where you want tolearn about what other tax
advantages are right for you.
Look into community programs aswell.
Are there resources around youthat you can cut down some of
your spending, give yourselfsome extra margin because you're
able to use a community programinstead of a private program.
(08:02):
This year we are going to workon optimizing both our time and
our money.
There are tools and technologyaround that are here to help you
grow your money without taking awhole lot of time.
I recently had a conversationwith a gentleman that was
spending two hours a week on hisbudget.
And it was because he washandwriting everything from his
(08:27):
bank ledger and thenimplementing it into a budgeting
software.
There's so many apps that youcan use that will put these
things in for you automatically.
Some of them will categorizethem for you like YNAB.
I highly recommend doing thecategorizing yourself,
especially in the beginning ofyour financial journey.
But for right now, you arewelcome to utilize these tools
(08:52):
to serve you.
Now, look, AI is wonderful.
I have made a plan for thispodcast for 2025, and I made it
mostly with chat GPT.
We've had conversations and partof me is like, are the robots
coming to take over?
And the other part of merealizes that I cannot be the
guy standing on the side of theroad yelling at cars because the
(09:14):
horses need a job.
Horse and buggy time has gone.
The AI tools are here to help,so go ahead and utilize them for
the things that they are goodfor.
Realize there are things thatthey are not good for.
They are not human interaction.
It is not a human connection oneto one.
They are not going to be able todo that.
They may be able to simulate it,but they're not going to be able
(09:35):
to give you the things that youneed.
You have to be around people.
This is your year to be aroundpeople.
That's not in my notes, butthat's for somebody.
You have to be around people.
Go ahead and utilize thetechnology that's in front of
you.
Get a budgeting app, learn theautomations.
You got this.
The next optimizing tip toolthat I have for you is to tap
(09:57):
into your network for financialadvice, job opportunities, and
accountability.
I am here to give you all thefinancial advice.
I'm here to help you on yourcareer growth, and I am here to
help you stay accountable to thethings that you say that you
want most.
But there are people around youthat can do these things for you
as well.
This is the year to take controlof the things that are most
(10:18):
important to you.
If you have someone in yournetwork that's so good at money
that you don't need to come tome because you have that person
on your list, go to them.
They're there to help you.
All right, Accelerators, I wouldlove to invite you to subscribe
to the podcast, leave a reviewand share it with your friends,
but also know that if you needhelp making that budget that we
(10:41):
talked about, I have the BetterBudget Bootcamp ready and
available for you this year.
It's 27, will take you 15minutes a day for five days.
And you will have a budget basedon what your family values.
Coming up on the show.
I'm going to start doingcoaching sessions live.
Yes you can get free coaching.
So take advantage of thatprogram.
(11:02):
If you would like to have a freecoaching session with me here on
the podcast, all you have to dois reach out to me.
Hello at accelerate your legacy.
com.
Go out and make a difference.
thank you for spending time withus today on Money and Career
Mastery from Overwhelm toOwnership.
Remember, your legacy isn't justabout financial freedom.
(11:22):
It's about living with purpose,taking action, and building a
foundation that lasts forgenerations.
Don't just listen, implementwhat you've learned and share it
with someone who could use afinancial or career
breakthrough.
If you found value in today'sepisode, help us grow by rating,
reviewing, and sharing thepodcast.
I'll be back next week with morestrategies to help you master
(11:44):
your money and career.
Until then take ownership ofyour future and build your
legacy with intention.
hello and welcome to money and career mastery from
overwhelmed to ownership.
I'm Laura Sexton, your abundanceand legacy coach here to help
you navigate the world of money,debt payoff, and career growth
with confidence and clarity.
In this podcast, we'll tacklethe financial and career
challenges, holding you back,optimize your income and build
(00:22):
the freedom that comes with trueownership.
If you're ready to break freefrom overwhelm, create a budget
that aligns with your values anddesign a legacy that empowers
future generations.
You're in the right place.
Hello accelerators and welcometo the money and career mastery
podcast.
We are going to be talking aboutwhat it looks like to go from
(00:44):
overwhelmed to ownership for therest of the year.
We're going to talk quicklyabout the beginning of this new
era of the podcast.
But then I'm going to get intosmart money moves for you in
2025.
This is all about a fresh startfor you.
And so we're going to talk about2025, what it means for the
podcast and what it means foryou.
This past year on the podcasthas been absolutely amazing, and
(01:09):
we've talked about all kinds ofthings.
We have talked about sinkingfunds, which was the 1st episode
of 2024.
We have talked about a lot ofdifferent books as well that I
have read that have been greatfor learning and growing.
The Psychology of Money,""DieWith Zero." There's so many, and
I plan on having a lot more thisyear as we move into the career
(01:33):
space, as well as just moneyspace, we have gone on a
journey.
From scarcity to abundance, fromoverwhelmed to in control.
And that is what we are going tobe talking about this year.
This last year, I have hadlessons that I have shared with
you from a Justin Timberlakeconcert from 7 Eleven, from the
(01:55):
Declaration of Independence.
We have talked about financialresilience and financial
independence and financialintrospection.
And if you don't know whatintrospection is, you should
take a long, hard look atyourself.
Yes, it is one of my favoritejokes.
We have been all about legacybuilding and nothing about that
(02:16):
is going to change.
This year in 2025, we're goingto go from overwhelmed to
ownership in our money, in ourcareer.
And in our mindset, we're goingto talk about what it means to
get all of these pieces underour control.
When we own our decisions andour habits, we can conquer
(02:40):
anything.
And when we have money in thebank, we have real freedom.
And when we have ownership ofour homes, and ownership of our
jobs, we get to be solely incharge.
So I am shifting from accelerateyour legacy to the money and
career mastery podcast.
(03:03):
And I'm so excited that you werealong on this journey with me.
There is a new name to thispodcast, but the mission remains
the same.
We are working on financialfreedom, career clarity, and
legacy building.
In 2025, we are going to focuson topics like debt payoff,
(03:25):
optimizing income, careergrowth, and legacy creation.
There are going to be some newthings that we haven't had
before.
We're going to do some miniseries.
We're going to have interactiveresources.
I'm going to bring on more guestexperts than ever before.
But this episode isn't justabout the new podcast.
This episode is also about you.
(03:45):
So let's get into it, guys.
What are some smart money movesthat you can be making in 2025?
There are some practical ways toutilize your money and we're
going to do it effectively.
That's going to start withmaking sure you have an
emergency fund by controllingwhat you can control.
We can make most emergenciesfeel like an inconvenience.
(04:09):
Last month, my husband was goingto work.
He leaves for work before thesun comes up.
Usually, he leaves before fiveo'clock in the morning and I got
a call from him at 515.
I was like, well, that's reallyweird.
And he called me and said, Hey,I'm on the side of the road.
I've blown a tire.
I need to call AAA.
I just wanted to let you know.
(04:30):
He, changed the spare, but thespare was low.
So he had to call AAA for help.
And it was just one of thosethings where I was so worried
about him.
I was like, if somethinghappened to him, he's a very,
very skilled driver.
He's been through many differentcourses.
And so he can drive aroundanything.
And I was confused.
(04:50):
I said, well, what happened?
He said, there are about eightor nine cars on the side of the
road.
I called CHP, California HighwayPatrol, and asked them to come
clear the road, clear whateverthis thing is.
And apparently whatever it was,it took out about 10 different
cars.
Tow truck guy was feeling goodthat day, but the people on the
side of the road were not.
(05:12):
And when he took it to thedealership and they said 640, To
get four new tires.
I said, okay.
We're at a place in our lifewhere an emergency, what would
have been devastating to usbefore, is now just an
inconvenience.
(05:32):
This is the power of ownership,friends.
This is where we're going.
So you need to have an emergencyfund.
This needs to be something thatyou have as a goal for yourself
in 2025.
Maybe 2025 is the year forinvesting for you.
Are you ready to start puttingmoney into the market and have
it work for you?
The returns last year wereinsane.
(05:53):
There was something going onwhere interest rates were going
up, but the market was too.
And I don't expect it to be thatway ongoing.
There's always fluctuations inthe market.
It always goes up, it alwaysgoes down, but it always keeps
going up.
Maybe this is your year to getinto investing, but before you
get into investing, I want youto make sure that you have paid
(06:14):
down all of your debt.
Make sure that there's nothingholding you back, nothing that
is taking control of you andtells you what you can and
cannot do with your money.
Get your debt paid off in 2025.
Be debt free.
Take a hundred percent ownershipof the income that is coming in.
Do not share it with the banks.
(06:35):
It is your money.
Another really great thing thatyou can do this year is go ahead
and maximize the resources thatyou have at your job.
You have employee benefits thatyou need to dig into and see
what they have for you.
My husband's company pays formembership, not only for him,
but for myself as well.
(06:56):
Is there something like that atyour company?
Does your company pay for afinancial coach?
Do you have financial wellnessbenefits?
If not, you might want to reachout to me and let's figure out
how we can get that as anemployee benefit at your
company.
Working with a financial coachis something that a lot of
companies would like to offer totheir employees, but they just
Don't know that financialwellness is a thing and it is.
(07:18):
So utilize all the benefits thatyour employer has for you.
That's not just your 401k, whichI would love for you to be
investing in.
That's also your health benefitsthat could be any kind of other
wellness benefit as well.
See what they have to offer andutilize it.
Pay attention to tax advantagedprograms.
(07:38):
If you do not work with a taxprofessional, this may be the
year for you where you want tolearn about what other tax
advantages are right for you.
Look into community programs aswell.
Are there resources around youthat you can cut down some of
your spending, give yourselfsome extra margin because you're
able to use a community programinstead of a private program.
(08:02):
This year we are going to workon optimizing both our time and
our money.
There are tools and technologyaround that are here to help you
grow your money without taking awhole lot of time.
I recently had a conversationwith a gentleman that was
spending two hours a week on hisbudget.
And it was because he washandwriting everything from his
(08:27):
bank ledger and thenimplementing it into a budgeting
software.
There's so many apps that youcan use that will put these
things in for you automatically.
Some of them will categorizethem for you like YNAB.
I highly recommend doing thecategorizing yourself,
especially in the beginning ofyour financial journey.
But for right now, you arewelcome to utilize these tools
(08:52):
to serve you.
Now, look, AI is wonderful.
I have made a plan for thispodcast for 2025, and I made it
mostly with chat GPT.
We've had conversations and partof me is like, are the robots
coming to take over?
And the other part of merealizes that I cannot be the
guy standing on the side of theroad yelling at cars because the
(09:14):
horses need a job.
Horse and buggy time has gone.
The AI tools are here to help,so go ahead and utilize them for
the things that they are goodfor.
Realize there are things thatthey are not good for.
They are not human interaction.
It is not a human connection oneto one.
They are not going to be able todo that.
They may be able to simulate it,but they're not going to be able
(09:35):
to give you the things that youneed.
You have to be around people.
This is your year to be aroundpeople.
That's not in my notes, butthat's for somebody.
You have to be around people.
Go ahead and utilize thetechnology that's in front of
you.
Get a budgeting app, learn theautomations.
You got this.
The next optimizing tip toolthat I have for you is to tap
(09:57):
into your network for financialadvice, job opportunities, and
accountability.
I am here to give you all thefinancial advice.
I'm here to help you on yourcareer growth, and I am here to
help you stay accountable to thethings that you say that you
want most.
But there are people around youthat can do these things for you
as well.
This is the year to take controlof the things that are most
(10:18):
important to you.
If you have someone in yournetwork that's so good at money
that you don't need to come tome because you have that person
on your list, go to them.
They're there to help you.
All right, Accelerators, I wouldlove to invite you to subscribe
to the podcast, leave a reviewand share it with your friends,
but also know that if you needhelp making that budget that we
(10:41):
talked about, I have the BetterBudget Bootcamp ready and
available for you this year.
It's 27, will take you 15minutes a day for five days.
And you will have a budget basedon what your family values.
Coming up on the show.
I'm going to start doingcoaching sessions live.
Yes you can get free coaching.
So take advantage of thatprogram.
(11:02):
If you would like to have a freecoaching session with me here on
the podcast, all you have to dois reach out to me.
Hello at accelerate your legacy.
com.
Go out and make a difference.
thank you for spending time withus today on Money and Career
Mastery from Overwhelm toOwnership.
Remember, your legacy isn't justabout financial freedom.
(11:22):
It's about living with purpose,taking action, and building a
foundation that lasts forgenerations.
Don't just listen, implementwhat you've learned and share it
with someone who could use afinancial or career
breakthrough.
If you found value in today'sepisode, help us grow by rating,
reviewing, and sharing thepodcast.
I'll be back next week with morestrategies to help you master
(11:44):
your money and career.
Until then take ownership ofyour future and build your
legacy with intention.
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