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EmpowerYou Financial

EmpowerYou Financial

By Eva Palacios
Welcome To The EmpowerYou Financial with Eva Palacios!

The purpose of this podcast is to add value to listeners by offering financial education and entertainment. Eva Palacios is a Credit Boss and spent 20+ years in Credit and Financial Education. Eva wants to share the wealth of information she learned through her experiences -- information that we weren't taught in school and may not have learned growing up.

Eva wants to see everyone win and be empowered to live life on their own terms!
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100. Live Life On Your Own Terms
Come celebrate our 100th episode of the EmpowerYou Financial Podcast! Listen in as Eva welcomes four amazing Lions to share all their wins over the last year of being in the Lions Club. In their stories you can hear how they have been able to follow the game plan Eva set for their personal finances and personal credit and live out the EmpowerYou Financial tagline, "live life on your own terms." Listener Perks: Access our FREE Facebook Group, Live Life On Your Own Terms by EmpowerYou Financial Be a part of The EmpowerYou Community Join The Lions Club
01:50:20
July 26, 2022
99. Supporting Our Kids
How do we best support our kids when it comes to money and finances? Whether our kids are younger or older, all of our kids tend to need some type of support financially at several points in their life. But how do we best support them? Do we give them what they need simply because they need it or do we make it a life lesson and try "teach our kids to fish?" Listen in as Eva shares her approach to supporting her kids so they can live life on their own terms...  Listener Perks: Access our FREE Facebook Group, Live Life On Your Own Terms by EmpowerYou Financial Be a part of The EmpowerYou Community Join The Lions Club
01:07:23
July 19, 2022
98. It's Called Leverage
While many of us understand the functionality of a credit card, a financial tool that allows you to pay now and pay later, but not many of us understand the advantages a credit card can provide in the form of leverage. Leverage can be defined as using debt (borrowed capital) in order to undertake an investment. The goal would be to multiply the potential returns from the investment while, at the same time, leverage would also multiply the potential downside risk in case the investment does not pan out. In layman's terms, you use other people's money to grow your money and just in case the investment doesn't work out, you aren't out all of your own money. Listen in as Eva breaks down leverage and how she uses credit cards to her ultimate advantage... Listener Perks: Access our FREE Facebook Group, Live Life On Your Own Terms by EmpowerYou Financial Be a part of The EmpowerYou Community Join The Lions Club
51:28
July 12, 2022
Financial Freedom Friday| Network Marketing Secrets
Financial Freedom Friday| Network Marketing Secrets Listener Perks: Access our FREE Facebook Group, Live Life On Your Own Terms by EmpowerYou Financial Be a part of The EmpowerYou Community Join The Lions Club
03:35
July 08, 2022
97. Bankruptcy Is A Tool
With inflation rising, wages relatively stagnant, and a recession looming. Some people may soon be accepting the reality that they may not earn enough money to cover all of their expenses each month. When this is a persistent reality, the option of bankruptcy can feel like the best solution. Listen in as Eva breaks down what bankruptcy is and how to best recover from it... Listener Perks:   Access our FREE Facebook Group, Live Life On Your Own Terms by EmpowerYou Financial Be a part of The EmpowerYou Community Join The Lions Club
54:28
July 05, 2022
Financial Freedom Friday| Income Producing Activities
Financial Freedom Friday| Income Producing Activities Listener Perks:   Access our FREE Facebook Group, Live Life On Your Own Terms by EmpowerYou Financial  Be a part of The EmpowerYou Community  Join The Lions Club
02:54
July 01, 2022
96. Supply and Demand
While many of us have heard of the car shortage, not many of us truly understand how the car shortage has impacted the cost of new and used cars. In this market, car dealerships have most of the leverage and can charge a premium on new and used cars, especially those cars that were already in high demand prior to the change in the market. So how do you win in this market, despite it being harder than ever to purchase a car? Listen in as Eva shares her strategies for winning in the car game in this current market and hear from a current Lion as she shares her recent amazing car purchasing experience using Eva's advice... Listener Perks:   Access our FREE Facebook Group, Live Life On Your Own Terms by EmpowerYou Financial Be a part of The EmpowerYou Community Join The Lions Club
01:24:01
June 28, 2022
Financial Freedom Friday| Speaking things into existence
Financial Freedom Friday | Speaking things into existence Listener Perks:  Access our FREE Facebook Group, Live Life On Your Own Terms by EmpowerYou Financial
01:58
June 24, 2022
95. Recession Looming
With a recession theoretically around the corner, how do we best prepare ourselves? Should we stock up on stationaries and save all of our cash? Should we alter our investment strategy and lower our risk tolerance? Or, should we look for opportunities and do our best to thrive despite whatever the economy is doing? Listen in as Eva shares what she has done during economic downturns and what she plans to do during this looming recession... Listener Perks:   Access our FREE Facebook Group, Live Life On Your Own Terms by EmpowerYou Financial
01:11:11
June 21, 2022
Financial Freedom Friday | Throwing Down To Level Up
Financial Freedom Friday | Throwing Down To Level Up Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
02:33
June 17, 2022
94. Business Credit 101
Are you unsure of where to start when it comes to business credit? Or, do you have some business credit but need more and keep getting denied but don't understand why? How many of us are aware of what the banks may be looking for as they review our applications for business credit? Do you know all the do's and don'ts? Listen in as Eva breaks down how to best prepare your business for building lending relationships with the banks... Listener Perks:   Access our FREE Facebook Group, EmpowerYou Financial
56:32
June 14, 2022
Financial Freedom Friday | Tough Times Don't Last
Financial Freedom Friday | Tough Times Don't Last Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
02:08
June 10, 2022
93. The Power of Prayer
The bible says that, "...the effective, fervent prayer of a righteous man avails much." While many of us have heard this scripture before, few of us routinely tap into its power. As we go through the ups and downs of life, sometimes we get so wrapped up in trying to survive and work towards our goals that we forget to consistently check-in with God and we unintentionally underestimate the power of prayer. Listen in as Eva shares her belief in the power of prayer and why she has made prayer a cornerstone of the EmpowerYou Community and Lions Club... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
01:13:13
June 07, 2022
Financial Freedom Friday | Creative Financing for purchasing a home
Financial Freedom Friday | Creative Financing for purchasing a home Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
02:05
June 03, 2022
92. Preparing For The Thing
Everyday that we wake up we are blessed with the opportunity to work towards our dreams and goals. No matter how big or how small our steps, we have the ability to make progress. To that end, while most of us understand that Rome wasn't built in a day, we often underestimate the daily work thats required to build something so significant. Too often we take this daily gift for granted. Listen in as Eva shares the importance of doing all the necessary things to properly prepare and work towards all our financial dreams and goals... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
01:05:43
May 31, 2022
Financial Freedom Friday | What is Financial Freedom
Financial Freedom Friday | What is Financial Freedom Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program    Access our FREE Facebook Group, EmpowerYou Financial
02:26
May 27, 2022
91. Time To Buy?
Some say the housing prices will stabilize and stay flat; some say the housing prices will drop. Some say these prices are the new normal while others say this price increase can't continue. All of these conversations are happening while the interest rates continue to stay relatively high. So, with all of this going on and it being increasingly more difficult to purchase a home because of the banks, how do we know when is the right time to buy a house? Listen in as Eva shares her thoughts on buying a home in this current market... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
55:36
May 24, 2022
Financial Freedom Friday | Exploding Business Credit
Financial Freedom Friday | Exploding Business Credit Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
02:41
May 20, 2022
90. Conquering Our Fears Part 2
As a continuation from last week's episode titled, Conquering Our Fears, Eva brings on two Lions Club members that also attended the Phenomenal Life Conference at Hotel Xcaret in Cancun, Mexico. Listen in as these two special quests share their experiences with conquering their fears...  Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
01:32:13
May 17, 2022
Financial Freedom Friday | The Power of Business Credit
Financial Freedom Friday | The Power of Business Credit Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
02:36
May 13, 2022
89. Conquering Our Fears
F.E.A.R., False Evidence Appearing Real. How often do we limit ourselves because of our fears? Fear is an unpleasant emotion caused by the belief that someone or something is dangerous and likely to cause pain. And, if allowed, this fear can cripple us and stop us from experiencing life to the fullest. Whether it be a fear of heights, fear of rejection, fear of the unknown, fear of success, or fear of failure, all of these fears can stop us from moving forward. But, should this be the case? It is amazing how a simple a change in perspective can shift your beliefs around what is possible and help you overcome your fears. Listen in as Eva and Charles reflect on all the events of the week and lessons learned coming back from their visit to Hotel Xcaret in Cancun, Mexico... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
59:06
May 10, 2022
Financial Freedom Friday | Playing The Credit Card Game
Financial Freedom Friday | Playing The Credit Card Game Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
01:25
May 06, 2022
88. The Community & The Club
If you have been paying attention lately you would know that we at EmpowerYou Financial have been going through some transitions and changes. These changes are all positive because they are a result of our community growing more and more. We now have three ways for people to connect with us and join the community or better yet, the club. Listen in as Eva breaks down the three different levels we have and how we are able to meet you where you are and help you reach the next level in your personal finances and personal credit... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial 
50:52
May 03, 2022
Financial Freedom Friday | House Hacking
Financial Freedom Friday | House Hacking Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
02:32
April 29, 2022
87. Dealing With Old Debts
According to Urban.org, "Most American adults—227 million, or 89 percent—have a credit file. Using a random sample of deidentified, consumer-level records from a major credit bureau, we estimate that in 2019, 30 percent of them, or about 68 million US adults, had debt in collections reported in their credit files." And our guess is that this percentage increased as a result of the pandemic. To that end, while this may not be a topic that most people talk about, the reality is collection accounts impact quite a few of us everyday folk. So, what's the best way to handle the harsh reality of collections on your credit report? Do we ignore it, dispute it, or settle it? With all credit gurus online it's hard know what's best. Listen in as Eva shares her approach to dealing with old debts and why she believes her approach is the best approach for her clients... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
59:01
April 26, 2022
Financial Freedom Friday | How To Get Free Flights
Financial Freedom Friday | How To Get Free Flights Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
02:18
April 22, 2022
86. Choose Investments Wisely
Every day we are faced with different choices around how we should best spend our money. Beyond the necessities of life like food and shelter, if we are savvy we are constantly looking for opportunities to invest in things that make us more money. But with so many things being volatile like the stock market, crypto, the housing market, etc. how do we know what is a good investment and what is not? How do we know when to jump in and when to hold out? Listen in as Eva shares her process and rationale for making big decisions around large investments... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
01:05:39
April 19, 2022
85. Get In The Room
"The Room Where It Happens" is a song from the hit Broadway musical Hamilton, which is based on the life of Alexander Hamilton. The song's writer and composer, Lin-Manuel Miranda, explained, "'The Room Where It Happens' [is one] of the best songs I've ever written." The song outlines a secret dinner between Hamilton, Thomas Jefferson, and James Madison who agree upon an unprecedented political compromise, which still impacts us today. Aaron Burr, the narrator of this story bemoans being on the outside looking in and begs to be in the room where all the big decisions are being made. So what does this have to do with EmpowerYou? Well, Eva often talks about being with the right people and the power of networking. Oftentimes, the only way to reap the benefits of networking and leveraging relationships with the right people is to be in the same room as them when they are making their moves. Listen in as Eva shares her experience of being in a room filled with Lions Club members from our Dallas meetup... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
56:07
April 12, 2022
84. The Power Of Community
So often when we are on the journey to level up ourselves personally and professionally we come across individuals that may not understand why we are working so hard to change. They may say things that feel like attempts to slow us down and discourage us. They may even project their own fears and insecurities on us under the guise of showing concern or looking out for us. While these things may be will intended, they often leave us feeling alone in our pursuit of a better tomorrow. However, while it may feel like we are all alone, we often are not. We just have not found our community yet. Listen in as Eva reflects on the highlights of the recent NorCal Lions Club meetup and what having a strong EmpowerYou community has meant to her and other Lions...  Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
01:00:28
April 05, 2022
83. Keepin' It Real (Estate)
Television and social media are fascinating platforms. If you are not careful, television can have you thinking it only takes 60 minutes or less to cook a gourmet meal, restore a vintage car, or fix and flip restate. And what we often don't see in the highlight reels of social media when folks quickly show you their wins, are the hours, days, weeks, and months of ups and downs, set backs, challenges, hurdles, and disappointments they had to go through to get to the finish line. And why won't they share these things with you beyond a short mention? Well, truthfully, it's just not that sexy. Who's want to sign up for something when part of the process of winning is enduring a good measure of suffering? Would people still think it's worth it? Listen in as Eva shares some of her ups and downs from her experience being a real estate investor and hear why she continues to encourage her Lions to get on the ownership side of the real estate game... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
01:05:25
March 29, 2022
82. Hundred Dollar Pillows
Eva recently conducted a poll on her social media platforms, asking folks what is the best thing they have spent money on? The answers ranged from education and personal development to equipment for businesses, real estate, and experiences. There were so many responses and so many examples of great investments. However, hindsight is 20/20. Did we all truly know that the investment would be a good one before we purchased? Because if we are being honest, many of us invest in similar things but get varying results. So what's the difference? Listen in as Eva shares her strategy to making sure she gets the most out of what she chooses to spend her money on... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
39:56
March 22, 2022
81. Don't Hate The Player, Hate The Game
With gas prices, housing, and the cost of all types of things soaring, many of us are feeling the pressure to conserve and hoard up just in case things make a turn for the worst. It's natural to want to protect what we have, especially when it feels like we don't have an infinite supply of what we have. However, is that the best approach? Sometimes it's not just about spending less but managing how we spend our money. Listen in as Eva shares how she approaches spending during these times and why she always focuses on how she is manages her money and not just how much she spends... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
55:23
March 15, 2022
80. When God Speaks...Listen
How often are we rewarding ourselves for our hard work? How are often are we putting ourselves in position to grow either by earning and paying for a seat at the table? Or better yet, how often are we hearing God speak to us but not following his voice? These are the things discussed in this week's podcast. Listen in as Eva and Charles share their experiences while on separate back to back vacations in the Dominican Republic and Mexico...  Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
47:14
March 08, 2022
79. It Takes Money To Make Money
Making changes in your personal finances and personal credit can be difficult at times. Especially when you have grown up learning how to do things a certain way or you've taught yourself certain habits because it has helped you survive. You've learn how to make ends meet and although your finances and credit aren't where you ultimately want it to be, you are still holding it down for you and your family. We get it. But here's the thing, the things that got you here, won't be the things that get you there. Oftentimes in order for us to get to the next level in our personal finances and personal credit, we have to do things we have not done before and we have to be willing to invest in ourselves (even when it may seem impossible) to level up. Listen in as Eva shares why she believes it takes money to make money... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
53:55
February 22, 2022
78. Success Loves Speed
When all the stars align and you get this gut feeling that you've stumbled upon a really great idea, how long does it take for you to make a decision to move forward? Do you need a few minutes, a few hours, a few days, or a few months? What are things that make you hesitant and stop you from jumping quickly? We have found that success loves speed and while it's always good to think through your next move, you have to recognize when a good opportunity prevents itself and how quickly you should jump on it. Listen in as Eva shares her approach to decision making and how making quick decisions has contributed to her success... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
46:38
February 16, 2022
77. I Need Me A Porsche!
While still on a high from the Lions Club SoCal meetup, Eva reflects on all the mental shifts many of the Lions are experiencing as they matriculate through the Lions Club program. From huge financial gains to increased confidence and stronger postures, Lions are winning in many different areas and its starts with a new approach towards their personal finances and personal credit. Listen in as Eva shares why she believes that mastering your finances allows you to master everything else in life and why a shift in mindset may lead to her purchasing a new car soon...  Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
47:20
February 08, 2022
76. The Seat Was Heated
In this special edition of the podcast, Eva and Charles host the show in front of a live audience. The audience consisted of Lions Club members that attended the Lions Club's first official meetup located on site in Southern California. If there was one lesson learned from the SoCal trip it was that being exposed to the lifestyle the rich and wealth enjoy can help you appreciate the finer things in life and want to strive for more. The truth is, the more you interact with people that have financial freedom, the more you value and respect them and envision yourself in the same position. Listen in as Eva shares her experiences rubbing shoulders with the rich and wealthy and how those interactions have driven her... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
51:53
February 02, 2022
75. For The Joy Set Before You
If you are considering entrepreneurship because it seems like entrepreneurs are having all the fun, you might want to also consider how much hard work goes into creating the lifestyle you believe you are seeing on social media. Many folks will share the all the benefits and rewards of being your own boss, without including all the challenges and disappointments one may face along the journey. Listen in as Eva shares her ups and downs of entrepreneurship and why she continues to stick with it despite the persistent set backs she faces time after time...  Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
50:07
January 25, 2022
74. Worth The Experience
There are two good ways to spend extra funds according to Eva: either invest in assets or invest in experiences. While many of us understand what an asset is, something that provides a current, future, or potential economic benefit, not many of us understand what is meant by investing in experiences. Do you think there is a real difference between first class and coach, between a meal at a Michelin star restaurant and a chain restaurant, or between sitting near the front and sitting near the back at a concert? We can tell you the difference isn't just price but in having experiences that will last a lifetime. Listen in as Eva shares some her most memorable experiences and why she believes investing in experiences is well worth it... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
51:57
January 18, 2022
73. Free Flights Anyone?
If you were given the opportunity to fly for free anywhere in the US or select places internationally, where would you go? How often would you go? These are some of the things that people who have mastered the art of flying for free think to themselves. Did you know that Eva and her family have not paid for an airline ticket in over three years and sometimes they travel as often as once or twice a month during their peak seasons. Want to know how she makes that happen? Listen in as Eva shares her secrets to traveling for free and how you can do it too... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
45:04
January 11, 2022
72. What Is Financial Freedom?
What is your definition of financial freedom? Financial freedom is often a goal for many people looking to improve their personal finances and personal credit, but, how do you define it? While the exact definition is likely relative based on one's circumstances, we believe we can all agree to a general definition that fits most people. Listen in as Eva shares her definition of financial freedom and why she believes that once financial freedom is experienced, it should last forever... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
51:56
January 04, 2022
71. Reflect Then Move Forward
As the year 2021 wraps up, many of us will take the opportunity to reflect on the past year and acknowledge our ups and downs and wins and losses. Looking back at how far we have come over a period of time can be a good reminder of the the hard work we have put in and a reminder of how much work we still have to go. No matter the journey, it is important to celebrate every success along the way and believe that each day provides us an opportunity to get closer to our goals. Listen in as Eva shares her progress towards her 2021 goals and the new goals she is setting for 2022...  Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program   Access our FREE Facebook Group, EmpowerYou Financial
50:39
December 28, 2021
70. Lions Club 2.0
It's a been a full year since Eva started the Lions Club back in December 2020. With 150 Lions Club members and countless success stories, Eva reflects on the first year of the Lions Club and what's up next for 2022. Listen in as Eva shares what the Lions Club community has meant to her, how she's made the Lions Club even better, and the details around how you can join the Lions Club in 2022... Listener Perks:   Join the Lions Club, EmpowerYou Financial Literacy Program                                                                        Access our FREE Facebook Group, EmpowerYou Financial
53:46
December 21, 2021
69. Tough Times Don't Last
Personal finances can be hard and the grind to not only make ends meet but also grow beyond our current situation can be difficult at times. We experience ups and downs -- times when it seems like everything financially is going well and times when we aren't sure if we are going to make it. Adulting is real and the truth is, personal finances and personal credit weren’t taught in school. So what do we do when times get tough? Simply put, we keep going. Listen in as Eva shares how she manages the ups and downs and hear from another amazing Lion and how he continues to stay encouraged despite the challenges of life... Listener Perks:   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                             Access our FREE Facebook Group, EmpowerYou Financial
58:35
December 14, 2021
68. Creative Financing
Is owning real estate for everyone? Maybe or maybe not, depending on your goals and your circumstances. But let's ask that question a different way. Can everyone own real estate? Well, the answer to that question from the perspective of our Credit Coach, Eva, is yes. Unfortunately, many of us just don't know how close or how far we are when it comes to owning real estate. Listen in as Eva breaks down exactly what is needed to get into the real estate game and we bring back a special guest from last week to share expert advice on the lending process and how 'creative financing' works in real estate... Listener Perks:                                              Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                               Access our FREE Facebook Group, EmpowerYou Financial
56:34
December 07, 2021
67. House Hacking
Statistically speaking, in the US, roughly 42% of Blacks and 47% of Latinos are homeowners. That's less than half. So there's no wonder why depending on the where you grew up, home ownership may not have been at the top of your list of life achievements. Many of us did not grow up fully understanding all the benefits of owning our own home. From taxes to equity, there are so many folks that have literally leveraged their home to finance many important things in the their life. Listen in as Eva shares why she so strongly believes in home ownership and hear the story of how one of Eva's youngest Lions connected with another amazing Lion to house hack and purchase his first home... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards      Access our FREE Facebook Group, EmpowerYou Financial
01:25:45
November 30, 2021
66. Exploding Your Business Credit
For many business owners, building business credit can be an enigma. How do you properly go about obtaining business credit? How does my personal credit relate to my business credit? And, to what extent does my personal credit impact my ability to get business credit? These are questions that have clear answers although this information may feel elusive at times. Listen in as Eva shares how she strategically gained over $100K in business credit in less than 12 months and another amazing story from one of Eva's Lions around how he gained over $100K business credit in the same amount of time... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards      Access our FREE Facebook Group, EmpowerYou Financial
01:00:14
November 23, 2021
65. Playing The Credit Card Game
Have you ever had the experience of applying for a credit card and holding your breath because you didn't know whether or not you would be approved or denied? And if you were approved, what the limit would be? Many of us have had these experiences. The experience of getting approved for a limit far less or far more than we anticipated. Or, getting denied and being shocked and confused as to why. So, why is that? Why don't we have enough information to know with a high level of certainty how things will turn out if we decide to apply for a credit card? The truth is, we just don't know how to play the game. Listen in as Eva shares her insights on the credit card game and what you can do to be successful at playing it...  Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards      Access our FREE Facebook Group, EmpowerYou Financial
46:50
November 16, 2021
64. Timing Is Everything
When it comes to your personal credit and personal finances, knowing when to make certain moves is just as important as knowing what specific moves to make. Timing can be everything in many respects. We are not talking about timing the housing market or stock market, we are talking about speeding or up and slowing down your movement based on your individual situation, your goals, and your strategic game plan. Listen in as Eva shares how she approaches making the right moves at the right time and an inspiring story from another one of Eva's amazing Lions...  Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards      Access our FREE Facebook Group, EmpowerYou Financial
01:24:02
November 09, 2021
63. Speak Those Things
Do you believe the way you speak about money directly impacts your experience with money? Do you believe they are connected? For example, is it safe to say that a rich person and a poor person speak differently about money? One likely speaks from a place of abundance and the other likely speaks from a place of scarcity. These seem like obvious conclusions. However, what if the rich person became rich by speaking abundance and the poor person remained poor by speaking scarcity? What if speaking those things that are not as though they are and then following those words up with strategic action was all you needed to turn things around financially? Listen in as Eva shares her feeling around speaking positively when it comes to money and listen to the updated story from another one of her amazing Lions...  Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards      Access our FREE Facebook Group, EmpowerYou Financial
01:14:40
November 02, 2021
62. Coaches Are Needed
What is a coach by definition? There are so many people with the title "coach" sometimes the lines get blurred around what they do and don't do and how effective they are in their role. To that end, by definition, a coach is someone that will teach, train, and instruct you towards a goal. So, when it comes to Eva, The Credit Coach, she is focused on teaching, training, and instructing you on how to improve your personal finances and personal credit so you can live life on your own terms. Listen in as Eva breaks down what she does as a Credit Coach and hear from one of her amazing Lions as she shares her experience of being coached by Eva... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards      Access our FREE Facebook Group, EmpowerYou Financial
01:02:46
October 26, 2021
61. Eva Returns
After several weeks out, Eva's is back to give an update. Listen in as Eva shares some unfortunate news that will forever impact her life and the life of her three boys...   Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards      Access our FREE Facebook Group, EmpowerYou Financial
26:40
October 19, 2021
Financial Freedom Friday | Know Your Superpower
Financial Freedom Friday | Know Your Superpower Listener Perks:  Register for Eva's Credit Game Plan Webinar             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                       Access our FREE Facebook Group, EmpowerYou Financial
02:55
September 24, 2021
Financial Freedom Friday | Benefits of Building Business Credit
Financial Freedom Friday | Benefits of Building Business Credit Listener Perks:  Register for Eva's Credit Game Plan Webinar             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                       Access our FREE Facebook Group, EmpowerYou Financial
03:28
September 17, 2021
Financial Freedom Friday | Home Buying Hacks: For The Self-Employed
Financial Freedom Friday | Home Buying Hacks: For The Self-Employed Listener Perks:  Register for Eva's Credit Game Plan Webinar             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                       Access our FREE Facebook Group, EmpowerYou Financial
04:06
September 10, 2021
Financial Freedom Friday | Timeshare Hustle
Financial Freedom Friday | Timeshare Hustle Listener Perks:  Register for Eva's Credit Game Plan Webinar             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                       Access our FREE Facebook Group, EmpowerYou Financial
04:07
September 03, 2021
60. *Quick Update*
This episode is short and sweet y'all. Unfortunately, Eva is under the weather and was not able to join us this week. With that said, we will be back next week with more content and more value! Listen in as Charles shares an update on Eva and what you all can look forward to from EmpowerYou Financial... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards      Access our FREE Facebook Group, EmpowerYou Financial
07:58
August 31, 2021
Financial Freedom Friday | You Deserve It
Financial Freedom Friday | You Deserve It Listener Perks:  Register for Eva's Credit Game Plan Webinar           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                     Access our FREE Facebook Group, EmpowerYou Financial
03:01
August 27, 2021
59. Income Producing Activities
We have all heard the phrase time is money. And, if this statement is true then money is also time and wasting time is equal to wasting money. Sometimes this concept of time versus money is hard to understand because we traditionally see time and money as a trade-off. When we work a 9:00 to 5:00 we trade our time for money. However, are we really trading time for money or is it time for time? Or, better yet, are we trading a little money for us for big money for our employer? Listen in as Eva shares her approach to time and why she does not spend time doing anything that does not make her money and why she is so adamant about not wasting time/money... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards      Access our FREE Facebook Group, EmpowerYou Financial
46:46
August 24, 2021
Financial Freedom Friday | Mindset Shift
Financial Freedom Friday | Mindset Shift Listener Perks:  Register for Eva's Credit Game Plan Webinar           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                     Access our FREE Facebook Group, EmpowerYou Financial
03:06
August 20, 2021
58. You Don't Know What You Don't Know
As many us embark on this journey of adding additional streams of income and starting new businesses, we often encounter new lessons and new experiences that we did not anticipate. Whether it be realizing all the opportunities available to us within our reach that once seemed so far away or being exposed to strategies and methodologies for success that we could never have thought of on our own. This journey is an ever-growing path of uncovering old truths and discovering new ways to run your business and get it to the next level. Listen in as Eva shares her perspective on why we don't know what we don't know about business and what she is doing to help people be more informed of everything available to them... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards      Access our FREE Facebook Group, EmpowerYou Financial
45:57
August 17, 2021
Financial Freedom Friday | Quality Of Life
Financial Freedom Friday | Quality Of Life Listener Perks:  Register for Eva's Credit Game Plan Webinar           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                     Access our FREE Facebook Group, EmpowerYou Financial
04:09
August 13, 2021
57. Network Marketing Secrets
If the global pandemic has taught us anything it's that multiple streams of income is no longer a 'nice to have' but a 'need to have'. One additional income opportunity many people hope to add to their households often comes from network marketing. Whether it be selling health and wellness products or cellular service or energy for home, network marketing companies have been around forever and are not going anywhere anytime soon. With that said, while many have tried to start their own business through these network marketing opportunities, not many are successful. Listen in as Eva shares her strategy and approach that has not only made her successful in one network marketing company but in three... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                                 Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                           To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                       Access our FREE Facebook Group, EmpowerYou Financial
01:12:08
August 10, 2021
Financial Freedom Friday | Give To Get
Financial Freedom Friday | Give To Get Listener Perks:  Register for Eva's Credit Game Plan Webinar           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                     Access our FREE Facebook Group, EmpowerYou Financial
02:26
August 06, 2021
56. Eva Bought A Car!
Depending on which city you are in, having a reliable vehicle to get you around each day can be extremely important. Especially, when you have a family and kids and everyone with their own daily and weekly obligations for school, work, practice, etc. Not to mention that outside of our homes, our vehicle can be one of the largest purchases we make as adults. With all of that in mind, listen in to how Eva approached buying a new vehicle for her family after an unforeseen event caused her free Mercedes SUV to be taken away... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                               Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                       Access our FREE Facebook Group, EmpowerYou Financial
01:01:39
August 03, 2021
Financial Freedom Friday | Fastest Route
Financial Freedom Friday | Fastest Route Listener Perks:  Register for Eva's Credit Game Plan Webinar         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                   Access our FREE Facebook Group, EmpowerYou Financial
02:06
July 30, 2021
55. Throwing Down To Level Up
Starting your own business can come with a slew of challenges financially, emotionally, and physically. According to data from the U.S. Bureau of Labor Statistics, about 20% of U.S. small businesses fail within the first year. By the end of their fifth year, roughly 50% have faltered. Why is that? Many business owners go into business with a clear vision of their dream outcome. Yet, when the clear vision starts to get muddied, it becomes more and more difficult to see a path forward especially when the path forward requires more time and money. Listen in as Eva shares her approach towards starting a business and why she believes consistently and strategically investing in your business and yourself will yield the best results... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
57:10
July 27, 2021
Financial Freedom Friday | Faithful Over A Few
Financial Freedom Friday | Faithful Over A Few Listener Perks:  Register for Eva's Credit Game Plan Webinar         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                   Access our FREE Facebook Group, EmpowerYou Financial
02:06
July 23, 2021
54. The Power Of Business Credit
Properly establishing your business along with leveraging the power of business credit can be a huge wealth building tool. However, many of us have not been exposed to all the advantages business credit can give you. Imagine being able to tap into resources that will allow you to not only start your business but also make investments that could accelerate the growth of your business or support your business when things are slow. Listen in as Eva shares how to get started with business credit and how you can leverage business credit to level up... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                       Access our FREE Facebook Group, EmpowerYou Financial
46:28
July 20, 2021
Financial Freedom Friday | Love On Your People
Financial Freedom Friday | Love On Your People Listener Perks:  Register for Eva's Credit Game Plan Webinar         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                   Access our FREE Facebook Group, EmpowerYou Financial
02:26
July 16, 2021
53. Want vs. Belief
Want, by definition, is the desire to possess or do something -- similar to a wish. Belief on the other hand is an acceptance that a statement is true or that something exists -- similar to faith. So what's the difference and why does that matter when it comes to personal finance and personal credit? Well, many of us 'want' to do better financially. We want a house, car, vacations, and savings. We want our kids to have more than what we had and we want to leave a legacy. But, how many of us believe this will actually happen? And, how many of us believe this so much that we are willing take the action and make it a reality. Listen in as Eva shares why she believes 'belief is everything' and is the foundation to improving your personal finances and personal credit and living life on your own terms... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
54:52
July 13, 2021
Financial Freedom Friday | Building A Relationship With Your Bank
Financial Freedom Friday | Building A Relationship With Your Bank Listener Perks:  Register for Eva's Credit Game Plan Webinar         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                   Access our FREE Facebook Group, EmpowerYou Financial
03:40
July 09, 2021
52. You're Approved!
Have you ever applied for a credit card and crossed your fingers and held your breathe because you were not sure whether or not you would be approved? Have you ever applied confidently because you thought you knew the outcome, only to get denied for that credit card leaving you confused and frustrated? You are not alone. Many of us are not aware of exactly what the banks are looking for and what specific criteria they want applicants to meet. But, it doesn't always have to be that way. Listen in as Eva breaks down how she able to predict with almost certainty whether or not folks in her coaching program will get approved or denied for a credit card whenever they apply... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                       Access our FREE Facebook Group, EmpowerYou Financial
01:05:12
July 06, 2021
Financial Freedom Friday | Spending Wisely
Financial Freedom Friday | Spending Wisely Listener Perks:  Register for Eva's Credit Game Plan Webinar         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                   Access our FREE Facebook Group, EmpowerYou Financial
04:09
July 02, 2021
51. Fight Club
As we work hard to improve our personal credit and personal finances we are bound to face challenges along the way. No matter how good of people we are, there will still be times when our application will be denied for reasons that are not consistent with what we expected. So what do we do when that happens? Do we just accept the results that are given to us? Or, do we keep on trying? Sometimes it seems like everything is going against us but we believe we can still win as long as we keep fighting. Listen in as Eva shares her stories on how she has had to fight for what she believes she deserves and encourages others to do the same... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
45:37
June 29, 2021
Financial Freedom Friday | Getting Comfortable With Being Uncomfortable
Financial Freedom Friday | Getting Comfortable With Being Uncomfortable Listener Perks:  Register for Eva's Credit Game Plan Webinar       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                 Access our FREE Facebook Group, EmpowerYou Financial
03:31
June 25, 2021
50. Is Entrepreneurship For Everybody?
To be or not to be an entrepreneur is a question on a lot of people's minds as we come out of the global pandemic and try to adapt to our new normal. Do you have the patience, faith, grit, and discipline required to make your dreams a reality? Do you know what it truly takes each day to create and sustain a profitable business? While it may seem like a trendy thing to do, is entrepreneurship really for everyone? Or, is it possible to get the same benefits you believe entrepreneurship will yield by utilizing a different approach or strategy? Listen in as Eva shares her experience with entrepreneurship and why she encourages people to create their own freedom, through entrepreneurship or not, so they can live life on their own terms... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
01:12:44
June 22, 2021
Financial Freedom Friday | Who Are The Right People?
Financial Freedom Friday | Who Are The Right People? Listener Perks:  Register for Eva's Credit Game Plan Webinar       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                 Access our FREE Facebook Group, EmpowerYou Financial
03:18
June 18, 2021
49. Play To Your Strengths
Have you heard the phrase 'jack of all trades but a master at none'? Too often many of us think the best way to level up is to do everything ourselves. At times, doing everything ourselves feels like the only option because we either feel like we can't afford to pay someone for help, paying someone else would be a waste of money, or we don't trust that anyone can do it as well as we can. While all those things seem like good reasons, all of those reasons likely don't outweigh the benefit of saving time, stress, and ultimately money by letting other people do the things they are good at, while you focus on doing the things that you are good at. Listen in as Eva shares her thoughts around playing to your strengths and leveraging the strengths of others... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                 Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                           To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                       Access our FREE Facebook Group, EmpowerYou Financial
39:34
June 15, 2021
Financial Freedom Friday | Priorities
Financial Freedom Friday | Priorities Listener Perks:  Register for Eva's Credit Game Plan Webinar       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                 Access our FREE Facebook Group, EmpowerYou Financial
02:48
June 11, 2021
48. You Deserve It
For some people, struggling to walk through the door of opportunity is less about the door being open and more about whether or not we feel invited. Some of us are stuck on the outside looking in because we are waiting on permission. We want to be inside, we want more for ourselves but we aren't sure if we are deserving. Whether it be because of how we were raised or the stories we have told ourselves, some of us can't see that the thing we want so badly is literally right in front of us -- we just have to grab it. As we continue to improve our personal finances and personal credit, we need to let go of limiting beliefs about ourselves and get everything that belongs to us because... we deserve it. Listen in as Eva and two amazing Lions, Jessica and Jiggy, share their stories of how they were introduced to money and finances and how their understanding has evolved into where they are now... Listener Perks:  Register for Eva's Credit Game Plan Webinar                               Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
01:16:50
June 08, 2021
Financial Freedom Friday | Building Business Credit
Financial Freedom Friday | Building Business Credit Listener Perks:  Register for Eva's Credit Game Plan Webinar       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                 Access our FREE Facebook Group, EmpowerYou Financial
02:20
June 04, 2021
47. Mindset Shift
How do you feel about having a large sum of money in a savings account? Does it make you proud, happy, or frustrated? Most people would definitely not say frustrated. However, when you consider the fact that the bank gives you a very small percentage of interest in your savings account while other investment vehicles pay considerably more in interest, it makes you wonder (and possibly frustrated). Think about it, if the money sitting in an account can earn 6% interest vs 0.05%, most people would much rather the 6%. However, that 6% option is not always readily available to everyday people. We would have to look for it. It is this type of mindset shift around money that are necessary along the journey of improving our personal finances and personal credit. Listen in as Eva shares why a mindset shift is so needed and why having the right mindset is a required wealth building tool... Listener Perks:  Register for Eva's Credit Game Plan Webinar                                 Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                           To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
01:01:04
June 01, 2021
Financial Freedom Friday | 800+ Club
Financial Freedom Friday | 800+ Club Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
02:19
May 28, 2021
46. How To Win At The Car Game
Whether it be purchasing or refinancing, there's a strategic way to win at the car game. Often times we just think about whether or not we can afford the payment and feel that affording the payment each month means that we are winning. However, there is so much more to consider like: negotiating the vehicle to its lowest cost, locking in the lowest interest with the best terms, and making payments in a strategic way that minimizes the amount of total interest paid. Additionally, when it's time to refinance, being strategic around when to refinance to either increase your monthly cashflow or to once again minimize the amount of total interest paid while paying off the vehicle. Listen in as Eva shares her ways to win at the car game and how she leverages these wins to level up in other areas... Listener Perks:  Register for Eva's Credit Game Plan Webinar                               Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
01:00:14
May 25, 2021
Financial Freedom Friday | Be Your Own Stimulus
Financial Freedom Friday | Be Your Own Stimulus Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
02:54
May 21, 2021
45. The Power Of Networking
Many folks underestimate the power of their personal and professional networks. As we wake each day and just live our lives, we often don't truly think about who we are hanging around and how those relationships impact us. There's a saying that goes, "Tell me with whom you associate, and I will tell you who you are." So, if you are looking to level up, you need to hang out with people who are doing what you want to do and living how you want to live. Listen in as two guests, Nakisha and Clara, from our Lions Club share their stories of how they met Eva and how the relationship they have built with her has impacted their lives. Eva also shares why she believes so strongly in the power of networking... Listener Perks:  Register for Eva's Credit Game Plan Webinar                             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                       Access our FREE Facebook Group, EmpowerYou Financial
01:09:52
May 18, 2021
Financial Freedom Friday | Creating A Living Trust
Financial Freedom Friday | Creating A Living Trust Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
03:32
May 14, 2021
44. Living On Purpose
When good things happen to you, do you believe it was just a random occurrence, a stroke of luck, or an intentional string of choices and actions? Too often, when we look at our personal credit, we bury our head in the sand and hope that one day our credit score will just magically change. Since we may not fully understand how or why our score got to be where it is, we believe that this random score may also randomly increase. But, that can't be further from the truth. Listen in as two guests, Lucy and Enedina, from our Lions Club share their stories of being intentional with their credit and finances and why Eva believes we have to do things on purpose to see the changes we are looking for... Listener Perks:  Register for Eva's Credit Game Plan Webinar                           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                     Access our FREE Facebook Group, EmpowerYou Financial
01:12:35
May 11, 2021
Financial Freedom Friday | Leaving A Legacy
Financial Freedom Friday | Leaving A Legacy Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
03:43
May 07, 2021
43. Give To Get
So many of us desire to get to the next level but are reluctant to do what is necessary to get there. Too often we see the things we want but once we learn of the sacrifices it is going to take to get there, we are hesitant and oftentimes we give up. Why is that? The principle of you reap what you sow is not just something for those who read the bible, it's a universal principle that speaks to the way we get the things we want out of life. In order for us to have the fruit of the land, we have to plant the seeds. In order for the seeds to grow, we have to nurture the plants and do the work necessary to one day reap the eventual harvest. This process is the same whether we want to improve our health, relationships, or finances. We have to be willing to sacrifice, give, and put in the work to get the things we desire. Listen in as Eva shares her perspective on giving in order to get...  Listener Perks:  Register for Eva's Credit Game Plan Webinar                         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                   Access our FREE Facebook Group, EmpowerYou Financial
35:57
May 04, 2021
Financial Freedom Friday | Turning Everything Into An Investment
Financial Freedom Friday | Turning Everything Into An Investment Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
02:35
April 30, 2021
42. Quality Of Life
Many of us believe that our lives would be completely different if we only had a million dollars in the bank. While this may be true, a lot of us don't realize that the quality of life we believe we would have once we hit a million dollars, may be obtainable for far less money. For example, if all you needed was $5K to pay all of your bills and live comfortably each month, what would having $10K a month do for you and your family? That amount would be life changing because you would double what is already comfortable. Using this example, if you ever had $20K a month, it would likely feel like you had a million dollars because you would quadruple what you are accustomed to. But, $20K a month is only a quarter of a million dollars annually. So considering this, do you really need a million dollars? Or, are you just after a certain quality of life for you and your family regardless of how much money it takes to get there? Listen in as Eva shares her perspective on quality of life and why her goals aren't necessarily about having a certain amount of money... Listener Perks:  Register for Eva's Credit Game Plan Webinar                       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                                 Access our FREE Facebook Group, EmpowerYou Financial
37:31
April 27, 2021
Financial Freedom Friday | Fixing & Flipping Real Estate
Financial Freedom Friday | Fixing & Flipping Real Estate Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
03:15
April 23, 2021
41. Know Your Banks
How many of us truly have a relationship with the financial institution that we primarily bank with? Many of us don't even consider this a necessity. We deposit money in our accounts via direct deposit, ATM, or an app and spend our money accordingly with most of our transactions being made online, through an app, via a storefront, or writing checks. Rarely, do we actually need to go inside a branch to talk to anyone. But is this how we should view our relationship with our bank? At the end of the day, at some point, we all will want/need to borrow money and often times the relationships we have or don't have with the banks can either help or hurt our cause. Listen in as Eva shares her reason for having seven different accounts and how she leverages the relationships she has with the banks to continue to level up... Listener Perks:  Register for Eva's Credit Game Plan Webinar                     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                               Access our FREE Facebook Group, EmpowerYou Financial
52:26
April 20, 2021
Financial Freedom Friday | Be The Lender, Not The Borrower
Financial Freedom Friday | Be The Lender, Not The Borrower Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
02:38
April 16, 2021
40. Love On Your People
One of the most overlooked and least talked about wealth building strategies is leveraging the power of treating the people around you well. Whether we know it or not, the energy we put out is often the same energy we get in return. Although we aspire to quickly level up from our current situations, we cannot underestimate the power of the relationships and opportunities that currently exist at the level we are at. Listen in as Eva shares why she uses the phrase "Love On Your People" so often and why it is so important and foundational to the EmpowerYou brand... Listener Perks:  Register for Eva's Credit Game Plan Webinar                   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                             Access our FREE Facebook Group, EmpowerYou Financial
55:58
April 13, 2021
Financial Freedom Friday | Success Over Time, Not Overnight
Financial Freedom Friday | Success Over Time, Not Overnight Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
02:59
April 09, 2021
39. Faithful Over A Few
Along this journey of improving our personal finances and personal credit, it is common for us to feel frustrated with the current level we are on. We often see so many people leveling up on Facebook and Instagram -- buying the house or the car we want, taking the vacation we wish we were on, investing in real estate or stocks, or overall achieving the goals we may have set out for ourselves. But, how often do we stop and consider the fact that where we are may be exactly where we need to be? And, that in order for us to get to the next level, we must master the level that we are on. Listen in as Eva shares her story of how she strategically leveled up from her first $300 credit card to now having over $170K in available credit...  Listener Perks:  Register for Eva's Credit Game Plan Webinar                 Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                           To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                           Access our FREE Facebook Group, EmpowerYou Financial
53:47
April 06, 2021
Financial Freedom Friday | Planning Ahead
Financial Freedom Friday | Planning Ahead Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
03:25
April 02, 2021
38. Fastest Route
How do you determine the fastest route to your destination? Let's say you were driving, would you ask someone for directions? Would you use your experience and knowledge of the roads to plan your route? Would you get a map and eyeball your way based on what you are seeing on paper? Or, would get a GPS that could determine where you are relative to where you are going and outline your fastest route in the context of things like traffic, construction, accidents, etc.? Listen in as Eva shares why she believes in providing her clients with a GPS instead of generalized roadmap as she coaches them along the road to improving their personal credit and personal finance... Listener Perks:  Register for Eva's Credit Game Plan Webinar               Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                         Access our FREE Facebook Group, EmpowerYou Financial
41:47
March 30, 2021
Financial Freedom Friday | How To Effectively Use The Equity In Your Home
Financial Freedom Friday | How To Effectively Use The Equity In Your Home Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
03:34
March 26, 2021
37. Spending Wisely
Each month many of us are faced with the challenge of how to best spend our hard earned money. Some of us are able to make enough just to make ends meet while others may be fortunate enough to have something extra leftover. Regardless of where you are, we all have to think about how to best spend the money we have to first meet our basic needs and then to hopefully improve our situation for the better. Whether it be a consistent income stream or a one-time payment like a stimulus check, we all should take a moment to think about how we can best leverage what we have to eventually get what we want. We simply must be committed to spending our money wisely. Listen in as Eva shares her approach to spending wisely, what motivates her, and drives her to stay on track throughout the year... Listener Perks:  Register for Eva's Credit Game Plan Webinar             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                       Access our FREE Facebook Group, EmpowerYou Financial
52:38
March 23, 2021
Financial Freedom Friday | Identity Theft Prevention
Financial Freedom Friday | Identity Theft Prevention Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
04:24
March 19, 2021
36. Priorities
Whenever we make one thing more important than something else we are by definition prioritizing. As busy adults, each day we make decisions around which things make it to the top of our to-do list. Sometimes on the weekends or when we are off of work, we put resting and relaxing at the top of our list. But during the week, we may focus on getting ourselves to work on time while also making sure our kids go to school with their homework complete and we put off resting and relaxing until Saturday or Sunday. Whichever way your life is setup we all make decisions on what things are considered priorities and which are not. Believe or not, we make the same types of decisions when it comes to our personal finances and personal credit. Based on how our life is setup right now, some things you put at the top of our list, while other things you don't. Listen in as Eva shares her experiences with prioritizing and how establishing priorities for herself and her family led her to purchasing her first home with $82K down saved in under a year at the age of 23... Listener Perks:  Register for Eva's Credit Game Plan Webinar           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                     Access our FREE Facebook Group, EmpowerYou Financial
57:40
March 16, 2021
Financial Freedom Friday | Couples & Money
Financial Freedom Friday | Couples & Money Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
03:37
March 12, 2021
35. Comfortable With Being Uncomfortable
How do you approach situations that make you uncomfortable? Do you do whatever you can to avoid further discomfort? Or, do you lean into the discomfort and take it as a challenge? Obviously, not every uncomfortable situation should be viewed as a challenge. However, there are many times in life, especially as we seek to grow ourselves personally, professionally, and financially where we will experience discomfort and that discomfort often represents the pathway towards our success. Listen in as Eva shares her approach to overcoming discomfort and why she leans into discomfort and often chooses to be comfortable with being uncomfortable... Listener Perks:  Register for Eva's Credit Game Plan Webinar         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                   Access our FREE Facebook Group, EmpowerYou Financial
54:17
March 09, 2021
Financial Freedom Friday | Investing In Yourself
Financial Freedom Friday | Investing In Yourself Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
03:51
March 05, 2021
34. Who Are The Right People?
If you have you been listening to the podcast you have heard Eva say several times, "get with the right people." But, what does she mean by this? Who are these right people? And, how can you judge whether or not someone is the "right" person? As we seek to improve our personal finances and personal credit we have to take risks and trust people along the way in our journey of leveling up. Listen in as Eva shares her criteria for what she feels makes up the right people and what she has learned from trusting the wrong people... Listener Perks:  Register for Eva's Credit Game Plan Webinar       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                 Access our FREE Facebook Group, EmpowerYou Financial
48:59
March 02, 2021
Financial Freedom Friday | Rebuilding After A Hardship
Financial Freedom Friday | Rebuilding After A Hardship Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
04:03
February 26, 2021
33. Estate Planning
No manner who you are or how old you are, we all have an estate. Believe it or not, this is not something that is exclusive for the wealthy among us. By definition, an estate is the net worth of a person at any point in time alive or dead. It is the sum of a person's assets – legal rights, interests and entitlements to property of any kind – less all liabilities at that time. So, since we all have an estate, shouldn't we work to do what's right by it? Similar to our credit, we all have it, so why not use it and leverage it to benefit ourselves and our family? Listen in as Eva shares her experience with estate planning AND hear from our Special Guest Gina Leguria, Estate Planning Attorney, as she shares her experience and expertise around living trust, wills, probate, and power of attorney. Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
45:27
February 23, 2021
Financial Freedom Friday | Credit Report Inquiries
Financial Freedom Friday | Credit Report Inquiries Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                           To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                           Access our FREE Facebook Group, EmpowerYou Financial
03:58
February 19, 2021
32. Results Oriented
As we continuously seek to improve our personal finances and personal credit we have to be careful about which advise we take heed to along our journey. With so much information available right at our fingertips and marketers constantly vying for our attention, it is easy to fall prey to the shiny and flashy side of personal finance. Despite this, Eva encourages us to look at the results of what we are investing our time and money in. And, if the results are not there, we should cut our losses and move on. Listen in as Eva shares her experiences along with three special guests from our EmpowerYou Financial Community!  Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
59:38
February 16, 2021
Financial Freedom Friday | Investing In The Right Insurance
Financial Freedom Friday | Investing In The Right Insurance Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                         Access our FREE Facebook Group, EmpowerYou Financial
06:01
February 12, 2021
31. Where The Money Reside?
People that have access to lots of money often talk about how easy it is to obtain money once you know the rules of the game. For many people that struggle each month, this is a hard pill swallow. It is hard to imagine, especially for folks that feel they work as hard as they can, that money can just be created out of thin air, just from making different decisions than they normally make. As crazy as it sounds, it's actually true. There is an abundance of money out there, money is not scarce. Listen in as Eva discusses the mindset that allows her to access the money she needs whenever she needs it without worrying about money ever going away...    Listener Perks:  Register for Eva's Credit Game Plan Webinar             Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                   Access our FREE Facebook Group, EmpowerYou Financial
51:26
February 09, 2021
Financial Freedom Friday | Creating Multiple Streams of Income
Financial Freedom Friday | Creating Multiple Streams of Income Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                         Access our FREE Facebook Group, EmpowerYou Financial
05:16
February 05, 2021
30. Settling Debt
While America had a debt problem prior to COVID, the impact of the global pandemic has put many things related to debt into tailspin. Whether it be car loans or home loans, credit cards or store cards, many things have fallen behind during this unprecedented time in our history. To that end, with debt being so closely tied to everything we do, how do we properly settle the rising tide of debt as we attempt to get our personal finances and personal credit in order? Listen in as Eva shares her approach to settling debt while making sure you always win... Listener Perks:  Register for Eva's Credit Game Plan Webinar           Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                                 Access our FREE Facebook Group, EmpowerYou Financial
59:34
February 02, 2021
Financial Freedom Friday | Investing In Networks
Financial Freedom Friday | Investing In Networks Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                         Access our FREE Facebook Group, EmpowerYou Financial
07:04
January 29, 2021
29. When To Pivot
How many of us have financial commitments that make us feel good but may not be good for our overall finances? Whether it is something as small as a subscription service or a Starbucks habit or something large like a business venture or a loan of some type, how do we know when we should cut that expense off and count our losses? Listen in as Eva shares her advice on when to pivot from something that may not be giving us the return on investment that we deserve... Listener Perks:  Register for Eva's Credit Game Plan Webinar         Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                               Access our FREE Facebook Group, EmpowerYou Financial
57:43
January 26, 2021
Financial Freedom Friday | How To WIN...When Buying A Car
Financial Freedom Friday | How To WIN...When Buying A Car Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                         Access our FREE Facebook Group, EmpowerYou Financial
05:47
January 22, 2021
28. Leveraging A Refi
Leveraging the credit game often comes with the opportunity to change the terms of your loan, also known as refinancing. When done correctly, this strategic move can not only lower your monthly payment but also your interest rate which results in a lower amount of interest paid over time. This may not seem like a big deal but when you break down the math, a refinance can be a huge win for your personal finances. Listen in as Eva shares her experience with her recent refi and what ways she can leverage the refi to level up in several different ways... Listener Perks:  Register for Eva's Credit Game Plan Webinar       Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                             Access our FREE Facebook Group, EmpowerYou Financial
49:44
January 19, 2021
Financial Freedom Friday | Couples & Credit
Financial Freedom Friday | Couples & Credit Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                         Access our FREE Facebook Group, EmpowerYou Financial
03:12
January 15, 2021
27. Leaving A Legacy
How many of us are truly financially prepared for an unforeseen accident that renders us unable to work? Or, God forbid, an accident that takes us from our families too soon? What would happen to our loved ones and dependents? How would we provide if we are unable to work? With far too many folks relying on the generosity of others through a platform like GoFundMe, we realize that we must be better prepared for the unforeseen. Listen in as our special guest, Living Benefit and Infinite Banking Specialist, David Garcia shares his amazing story and how he has set up his family and himself for the unforeseen... Listener Perks:  Register for Eva's Credit Game Plan Webinar     Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                           To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                           Access our FREE Facebook Group, EmpowerYou Financial
54:34
January 12, 2021
Financial Freedom Friday | Raising Money Smart Kids
Financial Freedom Friday | Raising Money Smart Kids Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                       Access our FREE Facebook Group, EmpowerYou Financial
03:53
January 08, 2021
26. Delayed, Not Denied
Many of us enter the new year with excitement and expectation as the new year often represents new beginnings and a chance to start over. With 2020 being the crazy year that it was, 2021 in particular, could represent a step in the right direction for us collectively and us personally as we hopefully begin our recovery from the global pandemic. One way to mark this transition, out of the old and into the new, and to stay committed to our change is to create a resolution. Listen in as Eva shares her new year's resolutions for 2021 and how she has handled falling short with some of her 2020 goals... Listener Perks:  Register for Eva's Credit Game Plan Webinar   Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                         Access our FREE Facebook Group, EmpowerYou Financial
54:34
January 05, 2021
Financial Freedom Friday | Budgeting
Financial Freedom Friday | Budgeting Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                       Access our FREE Facebook Group, EmpowerYou Financial
02:53
January 01, 2021
25. Stimulus Check?
Many of us have heard the news of the second stimulus check coming our way. The amount of this stimulus check, by all accounts, is an insult to say the least in the context of anyone living within the United States. However, beyond of the frustration of such a disingenuous effort from the government, how do we as individuals protect ourselves and weather any financial storm? Is there any way we can create our own stimulus check and bail ourselves out should the need ever arise? Listen in as Eva shares how she is able to give herself her own stimulus check at anytime and how you can do the same... Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                       Access our FREE Facebook Group, EmpowerYou Financial
58:58
December 29, 2020
Financial Freedom Friday | Road To Home Ownership
Financial Freedom Friday | Road To Home Ownership Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                       Access our FREE Facebook Group, EmpowerYou Financial
04:45
December 25, 2020
24. Soft Pull, Hard Hit
There is a lot of misinformation floating around when it comes to credit report inquiries. Some inquiries are considered hard and some are considered soft. So, what's the difference and how do they each impact your credit score? And, is it true that not all hard inquiries are the same? Listen in as Eva breaks down the difference between a hard and soft credit report inquiry, dispels a few myths, and teaches us how to WIN regardless...  Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                     Access our FREE Facebook Group, EmpowerYou Financial
46:26
December 22, 2020
Financial Freedom Friday | Credit Card Rewards
Financial Freedom Friday | Credit Card Rewards Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                       Access our FREE Facebook Group, EmpowerYou Financial
02:41
December 18, 2020
23. Leveling Up
No matter where you are on the personal finance spectrum, there is always a next level to achieve. With that said, it may not always be clear how exactly to move up the staircase of financial freedom, especially with so many conflicting messages online coming from so many people. Despite this, what we do know is that leveling up takes a combination of recognizing where you truly are, having a clear and proven game plan that lays out how to achieve your financial goals, receiving support and coaching along the way, and lastly, executing that game plan. Listen in as Eva shares exactly how she plans to help others level up and achieve their personal finance goals in 2021... Listener Perks:  Register for Eva's Credit Game Plan Webinar Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                   Access our FREE Facebook Group, EmpowerYou Financial
37:37
December 15, 2020
Financial Freedom Friday | Pay The Professionals
Financial Freedom Friday | Pay The Professionals Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                     Access our FREE Facebook Group, EmpowerYou Financial
02:51
December 11, 2020
22. Other People's Money
What would you rather have, an 800 credit score or $100K in the bank? While these things may not be exactly equivalent, this question brings up an interesting conversation around leverage and strategy as we look at our personal finances. Could both things be leveraged in a way that allows folks to level up? Sure. But, which one is better? Listen in as Eva shares her answer to this question and why she believes in approaching personal finance in a similar way the wealthy do... Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                   Access our FREE Facebook Group, EmpowerYou Financial
48:04
December 08, 2020
Financial Freedom Friday | 700+ Club
Financial Freedom Friday | 700+ Club Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                 Access our FREE Facebook Group, EmpowerYou Financial
04:26
December 04, 2020
21. Emotional Spending
Emotional spending sometimes occurs when you buy something you may or may not need, as a result of feeling stressed out, bored, under-appreciated, unhappy, or any number of other emotions. In fact, we also spend emotionally when we are feeling happy and feel like celebrating. For example, what did you buy yourself the last time you got a raise, promotion, or bonus? Trust, there's nothing wrong with buying yourself or your loved ones nice things from time to time, as long as you can afford it and your finances are in order. However, if you're spending more than you'd like to on non-essentials and you are struggling to find the cash to pay the bills at the end of the month, learning to recognize and curb your emotional spending can be an important tool. Listen in as Eva shares her experiences with emotional spending and how to manage and work through this very real issue... Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                 To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                 Access our FREE Facebook Group, EmpowerYou Financial
39:42
December 01, 2020
Financial Freedom Friday | Credit Is King
Financial Freedom Friday | Credit Is King Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less                   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards                   Access our FREE Facebook Group, EmpowerYou Financial
04:10
November 27, 2020
20. Gratitude
In a special episode this week, Eva invites guests from the EmpowerYou community to listen in on a LIVE recording of the podcast. In the spirit of Thanksgiving, six awesome women joined the podcast as we talked about the attitude of gratitude and how being gracious positively impacts our personal finances. Listen in as Eva and our guests share the positive impact the EmpowerYou community has had on their lives...  Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less               To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards               Access our FREE Facebook Group, EmpowerYou Financial
57:31
November 24, 2020
19. What's An Investment Worth?
An investment by definition is the act or process of investing money for the purpose of profit or material result. But, is money the only type of investment worth making? Along this road of improving our personal finances there many types of investments we should be looking to make. Investing in individual people, your network, information, education, and your future, in addition to things like real estate, are all great investments that will often yield you more money. And, most importantly, more time. Listen in as Eva shares her definition of investing, all the ways she looks to invest, and what she believes is worth the investment...  Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less             To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards             Access our FREE Facebook Group, EmpowerYou Financial
01:02:37
November 17, 2020
18. Who Handles The Finances?
Personal finance is typically not something we are taught in grade school. Usually, the lessons we learn around personal finance are taught to us by our parents and we are often thrust into the role of being our own personal finance manager as adults after we starting earning a living. Naturally, it would seem that since we are making the money we should also be the ones managing it, right? But, how often do we stop and reflect on whether or not we are the best person for that role? Should it be our partner? Should we hire someone? Should we develop this skillset on our own? Listen in as Eva gives her advice on who is best equipped to handle our personal finances based on what comes natural to us... Listener Perks:  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less           To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards           Access our FREE Facebook Group, EmpowerYou Financial
37:25
November 10, 2020
17. J.O.B.
Are you currently employed and feel drawn towards entrepreneurship? Are you a current business owner but really feel like life would be much easier if you had a 9 to 5? No matter which category you fall in, we often believe that grass is greener on the other side. However, truth be told, how you earn an income does not matter as much as how you handle your personal finances. Listen in as Eva shares the pros and cons of being employed and being self-employed and how to win in the personal finance game no matter what... Listener Perks:    Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less         To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards         Access our FREE Facebook Group, EmpowerYou Financial
54:12
November 03, 2020
16. Upside Down
As much as we love our vehicles it is generally understood that cars are depreciating assets and not particularly great investments. However, even with that knowledge, we find ourselves stuck in a lease or finance contract because we need to find a way to get from A to B. With that said, despite these realities, is there still a way we can when at this car game? Do we always have to be "upside down", which means to owe the finance company more than the car is worth? Listen in as Eva shares her car buying experiences and how she manages to keep equity in her cars making them assets should she ever need to move on from her vehicles... Listener Perks: Apply to join Eva's Side Hustle Team     Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less       To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards       Access our FREE Facebook Group, EmpowerYou Financial
48:05
October 27, 2020
15. Vacation Vacation Vacation
A vacation by definition is 'an extended period of leisure and recreation, especially one spent away from home or in traveling'. Despite the limitations of COVID, it is important for us to still find time for ourselves and our families to get away and unplug. While some may prefer a 'staycation' and those certainly can be rewarding, we believe there also is great value in the collective experience of traveling for leisure and taking in all the wonderful things to come with visiting places that are outside of our hometown. Listen in as we share our vacation experiences and Eva's tips on how to best budget and plan for vacations... Listener Perks: Apply to join Eva's Side Hustle Team   Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less     To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards     Access our FREE Facebook Group, EmpowerYou Financial
59:48
October 20, 2020
14. FICO 10
Have you ever applied to purchase a car or home and was told by the lenders that your credit score was not what you believed it to be? Whether you are using Experian.com or Credit Karma, it sometimes feels like we as consumers are looking at a set of scores and the lenders are looking at something entirely different. Why is that? Listen in as Eva breaks down the different FICO Credit Scoring Models that exist with consumers and lenders and how to prepare yourself to win regardless of the FICO Credit Scoring Model being used.  Also, listen to Eva breakdown the latest credit scoring model, FICO 10, and how this credit scoring model will likely directly impact your credit score... Listener Perks: Apply to join Eva's Side Hustle Team Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards   Access our FREE Facebook Group, EmpowerYou Financial
44:20
October 13, 2020
13. Side Hustle
One lesson that many of us have learned from the global pandemic is that nothing is promised. Before March, who could have ever imagined a time where everyone, literally everyone, was told to stay home from work? In the beginning, many of us welcomed the time to stay home and relax. However, after days became weeks and weeks became months and our income started to become uncertain, many of us were faced with the hard truth of needing to figure out how to make ends meet despite COVID. Listen in to hear how Eva has survived the pandemic and why she believes so strongly in having multiple streams of income...  Plus, as a bonus, listen for a way to work alongside Eva and earn some extra income! Listener Perks: Apply to join Eva's Side Hustle Team  Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less   To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards   Access our FREE Facebook Group, EmpowerYou Financial
44:06
October 06, 2020
12. Couples & Credit
So, at what point should couples start discussing topics like personal finance and credit? And, once things get serious in the relationship, which accounts should be shared and which accounts should be separate? Are there best practices? Without approaching this topic the right way and being strategic, one could find themselves at a disadvantage if the relationship goes left. Listen in as Eva shares some surprising tips and tricks and reveals how she manages this topic within her household...   Listener Perks: Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards Join our FREE Facebook Group, EmpowerYou Financial
43:56
September 29, 2020
11. Rebuilding After Hardship
For many of us, the last six months have been challenging. Whether we were impacted directly or indirectly by COVID, we have all had to take a second look at our personal finances and credit. Some of us may have experienced setbacks and are actively rebuilding what may have been lost. To that end, how do you most effectively rebuild? We understand that rebuilding is sometimes a part of our journey of growing and getting stronger, but is there a way to works best when it comes to rebuilding our credit? Listen in as Eva breaks down the best way to bounce your credit back after going through hardship... Listener Perks: Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards Join our FREE Facebook Group, EmpowerYou Financial
48:06
September 22, 2020
10. Credit Card Rewards
The relationship with credit cards usually goes something like this -- you get something you want now in exchange for you paying for that thing you want plus interest later. That's how it typically works. But, did you know that there are situations where credit cards pay you? In other words, as a reward for using certain credit cards to make specific your purchases, credit card companies give you various forms of cash back.  These reward programs often result in free money that, if used correctly, can discount future purchases and improve your quality of life. Listen in as Eva shares her tips and tricks on how she maximizes credit card rewards and get credit cards to pay her... Listener Perks: Click here to schedule your Credit Game Plan session with Eva Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards Join our FREE Facebook Group, EmpowerYou Financial
45:30
September 15, 2020
09. Not All Credit Repair Is Created Equal
Credit repair services have been around as long as credit reports have been a thing. Although we are all collectively still working our way through the global pandemic, folks are still focused on improving and repairing their individual credit. But, what's the best way to go about it? With so many options of credit repair services and credit repair gurus online, how do we know who's really going to help us and who's just out for a money grab? Listen to Eva breakdown what things you should expect from a quality credit repair service and what red flags to look out for...
41:05
September 08, 2020
08. Lender Not The Borrower
Some of us have heard the biblical reference of it being better to lend than to borrow. The reason for lending being better may not be obvious to all but the advantages of being the lender are indisputable. The lenders in our society, such as banking and credit institutions, set the terms and in many ways directly impact the quality of life of those who they choose to lend to or those who they choose not to lend to. So, this begs the question, how do we, as regular folks, position ourselves to move from borrowing to lending? Is this transition possible? Listen in as Eva describes how she works hard to be on the right side of lending/borrowing dynamic...
41:33
September 01, 2020
07. Opportunity Cost
How often do we consider the trade-off of (our time vs our money) or (our money vs our experiences)? The concept of this trade-off that we knowingly and unknowingly participate in every day can actually be described in the economic term, opportunity cost. Opportunity Cost, by definition, is the benefit that is missed or given up when an individual chooses one alternative over another. It's kind of a fancy way of saying, the cost of the next best thing.  So what trade-offs are you making in your life as it relates your personal finance? Are you leveraging your time and money to best of your ability? Listen in as Eva discusses her trade-offs... 
54:23
August 25, 2020
06. To Budget Or Not To Budget
Whether you learned to do so or not, you would have a hard time putting away enough money to grow your wealth without establishing a budget. A budget, or 'spending plan' as Eva likes to call it, is just the process of creating a plan that allows you to determine in advance whether you will have enough money to do the things you need to do or would like to do. Truth be told, we all budget, some of us are just more intentional about it than others. Listen in as Eva shares her expert tips on creating a budget and how this plan has helped her grow her personal wealth...
39:04
August 18, 2020
05. Raising Money Smart Kids
When do you start talking to your kids about money? Where do you begin and what things should you share or not share? Those are the questions on the minds of a lot of parents, especially those parents that were not raised with a healthy financial education themselves. Listen as Eva shares her approach to raising money smart kids and what she advises other parents do to educate their children... 
38:44
August 13, 2020
04. You Could Pay More But Why?
Buying a car can be a fairly detailed process. But at its core, it involves identifying the car you want, securing financing, negotiating a price, and closing the deal by signing the paperwork. With that said, there is still so much to consider when purchasing a vehicle. Should you lease, finance, or pay cash? Every decision has it's own pros and cons, so how do you know which option is best for you? Well, it depends on a few things -- namely your credit. Listen to this episode to see if you can relate to our experiences!
43:35
August 11, 2020
03. Credit Matters
Credit impacts everything you do nowadays -- from purchasing the things we want and need like cars, homes, and furniture to applying for jobs. In many ways it is an inescapable measurement that we all at some point in our lives will be judged by. So the question is, since credit matters so much, how do we use credit to our advantages? And, what is life like when we are using credit poorly or not using it at all?
38:36
August 06, 2020
02. Road To Home Ownership
The road to home ownership has a lot of ups and downs. Questions like when and where to buy loom large as well as questions around how to even qualify for a home loan. Listen in as Eva shares her journey and the real-life sacrifices she made to save 20% down on her first home almost 20 years ago. She also shares the reasons why she continued to invest in real estate -- eventually purchasing multiple homes and investment properties.
48:38
August 04, 2020
01. Introducing Eva
This is the first official episode of EmpowerYou Financial with Eva Palacios! We are super excited to get this podcast started and we look forward to providing great content for our listeners! In this episode, we learn about Eva's backstory and what experiences have made her into the personal finance expert that she is today. This is just the beginning... Enjoy!  The EmpowerYou Financial Podcast is available on all other major platforms!
54:05
July 28, 2020