Duration: 10–12 minutes Host: Greg, Legacy Financial Coaching

Debt doesn't just impact your wallet—it impacts your freedom, your peace of mind, and your future. In this episode of Beyond the Budget, we’re diving deep into two of the most powerful debt payoff strategies: the Debt Snowball and the Debt Avalanche.

You’ll learn how each one works, which one may be best for your personality and situation, and how to get started—because the sooner you begin, the sooner you’ll be free.

✅ Why paying off debt is about more than math ✅ How the Debt Snowball can build momentum through quick wins ✅ How the Debt Avalanche saves the most money over time ✅ Which method is right for you ✅ Why behavior—not numbers—is the key to winning with money

Debt Snowball – Pay off smallest balances first – Builds motivation with quick wins – Ideal if you need to feel progress early on

Debt Avalanche – Pay off highest interest debts first – Saves more in interest over time – Best for those who stay motivated by the numbers

🔁 Bottom Line: Choose the one you’ll stick with consistently—because winning with money is 80% behavior and only 20% head knowledge.

• 💡 Free & Premium Budgeting Tool: EveryDollar App

• 📅 Schedule Your Free Coaching Session: https://calendly.com/legacyfinancialcoach/no-cost-first-session

• 📖 Article Mentioned: CBS News – 61% of Americans Live Paycheck to Paycheck

✅ Pick a method—Snowball or Avalanche—and start today. ✅ Build a monthly budget to create margin. ✅ Book a no-cost consultation if you need guidance on how to begin.

Next week, we’re talking income increases—side hustles, raises, and business ideas—to help you accelerate your journey toward financial peace.

💬 If this episode helped you, please subscribe, leave a review, and share it with someone who’s ready to crush their debt once and for all.

🎙️ See you next time on Beyond the Budget!

Be Free

Greg

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Duration: 10–12 minutes Host: Greg, Legacy Financial Coaching

Life happens—cars break down, medical bills show up uninvited, and your A/C might go out right in the middle of summer. In this episode, we’re talking all about emergency funds—what they are, why they matter, how much to save, and where to keep yours.

Whether you’re just starting your financial journey or well on your way, an emergency fund is your safety net. Don’t wait until disaster strikes to get prepared.

✅ What qualifies as a true emergency ✅ How much you should save (starter fund vs. fully funded) ✅ Where to park your emergency savings ✅ How to decide when to actually use your emergency fund ✅ The 3 key questions to ask before touching your emergency stash

1. Start with $1,000 – your “starter fund” to keep you out of debt during emergencies.

2. Build up to 3–6 months of living expenses depending on your situation.

3. Keep it accessible but separate – a high-yield savings account is your best bet.

4. Don’t confuse it with other savings goals – true emergencies only!

• Is it unexpected?

• Is it necessary?

• Is it urgent?

If the answer to all 3 is yes, you’ve got a green light.

• 🎯 EveryDollar Budgeting App – Free and premium options available Get $10 Off EveryDollar Premium

• 📈 Want personalized help building your emergency fund or crafting a debt payoff plan? Connect with me at https://calendly.com/legacyfinancialcoach/no-cost-first-session

• Nearly 60% of Americans Can't Cover a $1000 Emergency

Whether you’re setting aside your first $100 or you’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, we’re diving into debt payoff strategies—so if you’ve been feeling stuck, overwhelmed, or unsure how to tackle your balances, you won’t want to miss it.

📣 Don’t forget to subscribe, leave a review, and share this episode with a friend who needs to hear it.

🎙️ See you next time on Beyond the Budget!

Be Free

Greg

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Website: https://www.legacyfinancialcoach.com/

🎙️ Host: Greg, Your Legacy Coach

⏱️ Duration: 10-12 minutes

In today’s episode, we’re talking about the fuel that drives your financial plan—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? 🚀 If you’ve ever felt like financial planning is overwhelming, this episode will give you practical steps to set, break down, and achieve your financial goals.

✅ Why people resist setting financial goals (and why that mindset is holding you back) ✅ How goal-setting reduces financial stress and increases motivation ✅ The SMART Goals framework for effective financial planning ✅ How to break big financial goals into actionable steps ✅ Real-life examples of people achieving financial freedom through goal setting

📌 "A goal properly set is halfway reached." – Zig Ziglar 📊 59% of Americans can’t cover a $1,000 emergency expense—but small financial goals can change that 💰 A goal-driven budget gives you MORE freedom, not less! 🔹 The SMART Goals formula: Specific, Measurable, Achievable, Relevant, Time-bound 📖 Story Time: How setting an emergency fund goal has helped over 100 Financial Peace University students take their first step toward financial freedom

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!

📊 Bankrate Emergency Savings Study → Read More 📈 CNBC Financial Stress Survey → Read More 📖 92% Don't Achieve Goals. Learn What the Other 7% Do. → Learn More 📲 Need help creating your financial plan? Schedule a free strategy session with me! Click Here

How much do you really need? How do you start? I’ll break it all down in next week’s episode. Subscribe now so you don’t miss it!

🎧 Enjoyed this episode? Subscribe, leave a review, and share it with someone who needs financial freedom!

💡 Be Free. – Greg, Your Legacy Coach

#BeyondTheBudget #MoneyManagement #FinancialFreedom #LegacyFinancialCoaching

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Episode #4 – Where Did My Money Go?

Welcome back to Beyond the Budget by Legacy Financial Coaching! In this episode, we’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.

I’ll walk you through: ✅ How to create a simple, effective plan for your finances ✅ The key steps to organizing your income and expenses ✅ Common mistakes that keep people stuck—and how to avoid them ✅ Why tracking your money is the “secret sauce” to financial success

Plus, I’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.

💡 Challenge for this week: Take 20 minutes to map out your finances. You don’t need fancy tools—just a pen and paper will do!

🔗 Resources mentioned:

• EveryDollar App – Get $10 off the premium version
• Need personalized help? Book a free consultation

🎧 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 review—it helps others find the show. See you next week!

#BeyondTheBudget #MoneyManagement #FinancialFreedom #LegacyFinancialCoaching

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Website: https://www.legacyfinancialcoach.com/

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 it’s all about The Importance of a Financial Plan!

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 family’s finances. - Actionable steps to start creating YOUR financial plan today.

Your financial goals are closer than you think—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 who’s 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/

In this episode, we’ll explore why your ‘Why’ 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.

Follow Legacy Financial Coaching for: ✔️ Practical budgeting and savings tips ✔️ Encouragement to crush your financial goals ✔️ Easy-to-understand guidance on building wealth ✔️ Real-life stories to inspire your journey ✔️ Exclusive resources and tools to keep you on track

Your financial future starts today. Let's make it count! 🚀 👉 Follow now and join the community of goal-getters turning their finances around!

#FinancialFreedom #MoneyMindset #LegacyBuilding #BudgetBetter

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Schedule a No-Cost Initial Strategy Session here: https://app.paperbell.com/checkout/packages/109047

Website: https://www.legacyfinancialcoach.com/

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 God’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.

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Be Free, Greg